Active BE 0477.270.385Private limited company

Guy Demarle

Robert Schumanplein 11 ·1040 Brussel, Belgium· 24 yrs active

Sector: Overige niet-gespecialiseerde detailhandel (47120)

Conclusion Checked

The computed 12-month bankruptcy probability of Guy Demarle is 1.1% (low). The 2024 annual accounts show equity of €198k and a net result of €106k. Equity is shrinking by ~17.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2025. Its solvency ranks better than 52% of 866 sector peers (fiscal year 2024). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Key figures

Equity	€198k
Net result	€106k
Better than sector	52%
Active	24 yrs

Snowflake analysis 5 of 5 axes measured · computed by Checked

71 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 68

Profitability 100

Solvency 29

Growth 58

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

1.1% Low

0%0,5%1,5%4%10%≥25%

Higher-failure-rate region +Higher-failure-rate sector +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 2002, 24 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2024 · computed

68 / 100 Healthy

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview10 NBB filings

Annual accounts filed on 10-07-2025 with the NBB · fiscal year 2024 · volledig

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining At this pace, equity would indicatively turn negative around fiscal year 2025, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	18.7%	17.3%	better than 52% of 866 sector peers
Net result	€106k	€14k	better than 80% of 867 sector peers
Equity	€198k	€100k	better than 63% of 868 sector peers
Gross operating margin	€143k	€213k	better than 39% of 794 sector peers
Employees (FTE)	0.0	5.6	better than 5% of 634 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€-14k

+76.4% 18-24

Net profit

€106k

+247.5% 18-24

Cash flow

€7k

- 18-24

Total assets

€1.06M

+74.4% 18-24

Equity

€198k

+115.0% 18-24

Working capital

€197k

+116.0% 18-24

Employees (FTE)

0

-100.0% 18-24

Staff costs

€0

-100.0% 18-24

Income taxes

€37k

+400.2% 18-24

Dividends

€0

-100.0% 18-24

Debt

€860k

+67.1% 18-24

Debt ≤ 1y

€860k

+67.1% 18-24

Current ratio

1.23

+4.4% 18-24

Quick ratio

1.23

+4.4% 18-24

Solvency

18.7%

+23.3% 18-24

Debt / equity

4.35

-22.2% 18-24

ROE

53.5%

+61.6% 18-24

ROA

10.0%

+99.3% 18-24

Interest coverage

-1.18

- 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	volledig
Revenue	-
EBITDA	-
Net profit	€106k
Cash flow	-
Staff costs	-
Income taxes	€37k
Dividends	-
Total assets	€1.06M
Equity	€198k
Debt	€860k
of which ≤ 1y	€860k
of which > 1y	-
Working capital	€197k
Employees (FTE)	0.0

Ratios (computed)

	2024
Current ratio	1.23
Quick ratio	1.23
Working capital ratio	18.6%
Solvency	18.7%
Debt / equity	4.35
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	10.0%
ROE	53.5%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €838 · 0.1% Current assets €1.06M · 99.9%

Equity & liabilities

Equity €198k · 18.7% Debt €860k · 81.3%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.06M
Fixed assets	21/28	€838
Financial fixed assets	28	€838
Current assets	29/58	€1.06M
Amounts receivable within one year	40/41	€898k
Cash & bank	54/58	€158k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.06M
Equity	10/15	€198k
Contributions / capital	10/11	€19k
Reserves	13	€179k
Accumulated profits (losses)	14	€0
Amounts payable	17/49	€860k
Amounts payable within one year	42/48	€860k
Trade debts payable within one year	44	€841k
Income statement
Gross operating margin	9900	€143k
Operating result	9901	€142k
Financial income	75	€755
Financial charges	65	€325
Result before taxes	9903	€143k
Income taxes	67/77	€37k
Net result for the period	9904	€106k
Result to be appropriated	9905	€106k

You are seeing the latest fiscal year only. 4 prior years (figures + ratios) are in a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Overige niet-gespecialiseerde detailhandel(47120)
Legal form	Private limited company(610)
Incorporation	15-04-2002
Status	Active
Postal code	1040

Establishment units 1 location

Robert Schumanplein 11, 1040 Brussel

kleinhandel in allerlei producten per postorder; de goederen worden naar de koper gezonden, nadat deze zijn keuze heeft gemaakt aan de hand van advertenties, al dan niet gespecialiseerde catalogi,show

since 20022.099.047.831

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21806F0362/00S003	Brussels	808 m²	1 · 789 m²	35.3 m · 10 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 10 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

10-07-2025