Guy Demarle
ActiveSummary
Guy Demarle has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €351k and a net result of €153k. Equity is shrinking by ~21.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 37% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▼-4
Solvency44=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity tight (current ratio 1.23 against 1.23 in 2024; short-term debt: 81% and cash: 18.5% of total assets), and 81% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
19%
Return on assets
8.3%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €351k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
21 d early
2023
37 d early
2022
35 d early
2021
31 d late
2020
29 d early
2019
17 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€153k▲ 44.6%
2024 · €106k
2018: €17k
2019: €-14k
2020: €-35k
2021: €7k
2022: €2k
2023: €30k
2024: €106k
2018 → 2025
Working capital
€350k▲ 77.6%
2024 · €197k
2018: €1.35M
2019: €1.34M
2020: €1.30M
2021: €1.31M
2022: €61k
2023: €91k
2024: €197k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.31M-€62k▼ 95.3%€92k▲ 49.4%€198k▲ 115%€351k▲ 77.3%
Operating result€-14k-€-16k▼ 16.0%€39k€142k▲ 265%€199k▲ 40.2%
Net result€7k-€2k▼ 69.3%€30k▲ 1,270%€106k▲ 247%€153k▲ 44.6%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 40% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.85M
Fixed assets
€838 =
Current assets
€1.85M ▲ 74.8%
Equity and liabilities €1.85M
Equity
€351k ▲ 77.3%
Debt
€1.50M ▲ 74.1%
Debt's share of the balance-sheet total falls from 81.3% to 81.0%. Equity and debt are higher.
Key figures and ratios
Current ratio
1.23▲
2024 · 1.23
Debt to equity
4.27▼
2024 · 4.35
ROE
43.6%▼
2024 · 53.5%
ROA
8.3%▼
2024 · 10.0%
Debt ≤ 1 year
€1.50M▲
2024 · €860k
Income taxes
€53k▲
2024 · €37k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.06M€1.85M▲
Fixed assets21/28€838€838=
Financial fixed assets28€838€838=
Current assets29/58€1.06M€1.85M▲
Amounts receivable within one year40/41€898k€1.50M▲
Trade receivables40€772k€1.38M▲
Other amounts receivable41€126k€120k▼
Cash at bank and in hand54/58€158k€342k▲
Deferred charges and accrued income490/1€1k€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.06M€1.85M▲
Equity10/15€198k€351k▲
Contributions10/11€19k€19k=
Reserves13€179k€332k▲
Distributable reserves133€179k€332k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€860k€1.50M▲
Amounts payable within one year42/48€860k€1.50M▲
Trade debts44€841k€1.43M▲
Suppliers440/4€841k€1.43M▲
Taxes, remuneration and social security45€20k€71k▲
Taxes450/3€20k€71k▲
Income statement
Code20242025
Non-recurring operating income76A€255€0▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-442€-788▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€143k€200k▲
Operating profit (loss)9901€142k€199k▲
Financial income75/76B€755€7k▲
Recurring financial income75€755€7k▲
Financial charges65/66B€325€487▲
Recurring financial charges65€325€487▲
Profit (loss) for the period before taxes9903€143k€206k▲
Income taxes67/77€37k€53k▲
Profit (loss) for the period9904€106k€153k▲
Profit (loss) for the period to be appropriated9905€106k€153k▲
Appropriation of the result
Profit (loss) to be appropriated9906€101k€153k▲
Profit (loss) brought forward from the previous period14P€-5k€0▲
Transfer to equity691/2€101k€153k▲
To other reserves6921€101k€153k▲
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €153k ▲44.6%
Operating result €199k, net result €153k, both a record.
31-12
Financial
Equity above €200kEq €351k ▲77.3%
5 profitable years in a row build equity to €351k.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €150kEq €198k ▲115%
4 profitable years in a row build equity to €198k.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €-35k
Net result drops to €-35k, the lowest in the series; recovery starts the following year.
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Show earlier events
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2002
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Robert Schumanplein 111040 BrusselGround area
808 m²
Building footprint
789 m²
Volume, LiDAR
20,529 m³
Parcel 21806F0362/00S003, Brussels · tallest building 35.3 m, ±10 floors. Linked by address, not a title deed.
1 establishment unit
Robert Schumanplein 11, 1040 Brussel
since 20022.099.047.831
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21806F0362/00S003 | Brussels | 808 m² | 1 · 789 m² | 35.3 m · 10 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 12,958 companies in sector 47120 we hold annual accounts for 2,190. 1,222 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-04-2002
Fiscal year end31-12
Activities, NACEBEL 2025
47120Other non-specialised retail sale
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.