Summary
GUYCAU is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €175,510 and a net result of €43,196. Equity is shrinking by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 74% of 9866 sector peers (fiscal year 2024). The company has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-07-2025, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
3 d early
2023
9 d early
2022
30 d late
2021
31 d late
2020
30 d late
2019
30 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 8 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
In the rankings
#10 oldest company in Dendermonde, Finance and insurance sector
Equity
€175,510▲ 1.9%
2023 · €172,314
Net result
€43,196▲ 0.7%
2023 · €42,877
Total assets
€225,886▼ 1.2%
2023 · €228,544
Solvency
77.7%▲ 2.3pp
2023 · 75.4%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€60,261▲ 24.0%€59,949▼ 0.5%€65,072▲ 8.5%€57,542▼ 11.6%€57,638▲ 0.2%
Net result€45,189▲ 42.5%€44,620▼ 1.3%€48,535▲ 8.8%€42,877▼ 11.7%€43,196▲ 0.7%
Equity€251,282▲ 21.9%€195,902▼ 22.0%€179,437▼ 8.4%€172,314▼ 4.0%€175,510▲ 1.9%
Total assets€268,193▲ 0.4%€296,237▲ 10.5%€250,951▼ 15.3%€228,544▼ 8.9%€225,886▼ 1.2%
Debt€16,911▼ 72.3%€100,335▲ 493%€71,513▼ 28.7%€56,229▼ 21.4%€50,376▼ 10.4%
Working capital€75,845▲ 207%€26,290▼ 65.3%€15,651▼ 40.5%€14,353▼ 8.3%€31,125▲ 117%
Solvency93.7%▲ 16.5pp66.1%▼ 27.6pp71.5%▲ 5.4pp75.4%▲ 3.9pp77.7%▲ 2.3pp
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 0% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €225,886
Fixed assets
€152,136 ▼ 3.7%
Current assets
€73,751 ▲ 4.5%
Equity and liabilities €225,886
Equity
€175,510 ▲ 1.9%
Debt
€50,376 ▼ 10.4%
Debt's share of the balance-sheet total falls from 24.6% to 22.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
24.6%▼
2023 · 24.9%
ROA
19.1%▲
2023 · 18.8%
Debt ≤ 1 year
€42,626▼
2023 · €56,229
Income taxes
€14,399▼
2023 · €14,626
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,825 | €5,825 | €5,825 | €5,825 | €5,825 | = |
| Other operating charges640/8 | - | €8,592 | €9,125 | €9,616 | €9,980 | ▲ 3.8% |
| Gross operating margin9900 | €74,566 | €74,367 | €80,023 | €72,983 | €73,443 | ▲ 0.6% |
| Operating profit (loss)9901 | €60,261 | €59,949 | €65,072 | €57,542 | €57,638 | ▲ 0.2% |
| Financial charges65/66B | - | €37 | €112 | €39 | €44 | ▲ 11.5% |
| Recurring financial charges65 | €30 | €37 | €112 | €39 | €44 | ▲ 11.5% |
| Profit (loss) for the period before taxes9903 | €60,231 | €59,913 | €64,960 | €57,503 | €57,595 | ▲ 0.2% |
| Income taxes67/77 | €15,042 | €15,293 | €16,425 | €14,626 | €14,399 | ▼ 1.6% |
| Profit (loss) for the period9904 | €45,189 | €44,620 | €48,535 | €42,877 | €43,196 | ▲ 0.7% |
| Profit (loss) for the period to be appropriated9905 | €45,189 | €44,620 | €48,535 | €42,877 | €43,196 | ▲ 0.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €268,193 | €296,237 | €250,951 | €228,544 | €225,886 | ▼ 1.2% |
| Fixed assets21/28 | €175,438 | €169,612 | €163,787 | €157,961 | €152,136 | ▼ 3.7% |
| Tangible fixed assets22/27 | €175,438 | €169,612 | €163,787 | €157,961 | €152,136 | ▼ 3.7% |
| Land and buildings22 | - | €169,612 | €163,787 | €157,961 | €152,136 | ▼ 3.7% |
| Current assets29/58 | €92,755 | €126,625 | €87,164 | €70,583 | €73,751 | ▲ 4.5% |
| Amounts receivable within one year40/41 | - | - | - | €60,000 | €27,888 | ▼ 53.5% |
| Other amounts receivable41 | - | - | - | €60,000 | €27,888 | ▼ 53.5% |
| Cash at bank and in hand54/58 | €92,755 | €119,243 | €79,814 | €10,583 | €45,863 | ▲ 333% |
| Deferred charges and accrued income490/1 | - | €7,382 | €7,350 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €268,193 | €296,237 | €250,951 | €228,544 | €225,886 | ▼ 1.2% |
| Equity10/15 | €251,282 | €195,902 | €179,437 | €172,314 | €175,510 | ▲ 1.9% |
| Contributions10/11 | - | €24,789 | €24,789 | €24,789 | €24,789 | = |
| Reserves13 | €223,099 | €171,099 | €154,099 | €147,099 | €150,000 | ▲ 2.0% |
| Non-distributable reserves130/1 | - | €3,099 | €3,099 | - | - | - |
| Reserves not available under the articles1311 | - | €3,099 | €3,099 | - | - | - |
| Distributable reserves133 | - | €168,000 | €151,000 | €147,099 | €150,000 | ▲ 2.0% |
| Profit (loss) carried forward14 | €3,394 | €14 | €549 | €426 | €721 | ▲ 69.1% |
| Amounts payable17/49 | €16,911 | €100,335 | €71,513 | €56,229 | €50,376 | ▼ 10.4% |
| Amounts payable within one year42/48 | €16,911 | €100,335 | €71,513 | €56,229 | €42,626 | ▼ 24.2% |
| Trade debts44 | €16,869 | - | €4,795 | €2,178 | - | - |
| Suppliers440/4 | - | - | €4,795 | €2,178 | - | - |
| Taxes, remuneration and social security45 | - | €335 | €1,718 | €4,051 | €2,626 | ▼ 35.2% |
| Taxes450/3 | - | €335 | €1,718 | €4,051 | €2,626 | ▼ 35.2% |
| Other amounts payable47/48 | - | €100,000 | €65,000 | €50,000 | €40,000 | ▼ 20.0% |
| Accrued charges and deferred income492/3 | - | - | - | - | €7,750 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €45,189 | €44,620 | €48,535 | €42,877 | €43,196 | ▲ 0.7% |
| + Depreciation and write-downs630 | €5,825 | €5,825 | €5,825 | €5,825 | €5,825 | = |
| Operating cash flow (approximation) | €51,015 | €50,446 | €54,361 | €48,702 | €49,021 | ▲ 0.7% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €26,488 | -€39,429 | -€69,231 | €35,280 | ▲ 151% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Highest result since 2018net €48,535 ▲8.8%
Operating result €65,072, net result €48,535, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Liquidity quadruplescurrent ratio 5.48
Current ratio from 1.41 to 5.48; short-term debt falls from €61,004 to €16,911.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200,000Eq €206,093 ▲18.2%
2 profitable years in a row build equity to €206,093.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
29-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Dendermonde · 1 establishment unit since 1998
Ground area
2,151 m²
Building footprint
221 m²
Volume, LiDAR
1,467 m³
Parcel 42021D0331/00L000, Flanders · tallest building 12.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Gasthuisstraat (STG) 83, 9200 Dendermonde
since 19982.087.249.958
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42021D0331/00L000 | Flanders | 2,151 m² | 1 · 221 m² | 12.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 ownerChain of control
- SEVENCOTEN
- GUYCAU
Highest known parent: SEVENCOTEN. The sources do not say who stands above it.
Owners 1
- SEVENCOTENparentSourceaccounts SEVENCOTEN 2024100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 13,461 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-03-1998
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
68121Development of residential building projects
68122Development of non-residential building projects
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0462817088
Registered
27-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.