GUZEL
ActiveSummary
The computed 12-month bankruptcy probability of GUZEL is 2.6% (moderate). The 2025 annual accounts show equity of €164k and a net result of €11k. Equity is growing by ~14.3% per year across the filed fiscal years. Its solvency ranks better than 59% of 13417 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability54▼-16
Solvency66▼-19
Growth59▼-19
Track record100
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.34 against 2.01 in 2024; short-term debt: 42.2% and cash: 19.1% of total assets), and 58.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
41.2%
Return on assets
2.7%
Age of the figures
9 mo
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
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 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
35 d early
2023
37 d late
2022
38 d early
2021
32 d early
2020
36 d early
2019
38 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€857k▲ 11.4%
2024 · €770k
EBIT margin
2.8%▼ 6.0pp
2024 · 8.8%
Net result
€11k▼ 76.5%
2024 · €46k
Working capital
€57k▼ 24.7%
2024 · €76k
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
Line20212022202320242025
Turnover€770k€857k▲ 11.4%
Operating result€42k€-27k€45k€67k▲ 50.6%€24k▼ 64.7%
Net result€42k€-30k€37k€46k▲ 22.0%€11k▼ 76.5%
EBIT margin8.8%2.8%▼ 6.0pp
Equity€121k▲ 52.9%€91k▼ 25.1%€128k▲ 41.4%€174k▲ 35.7%€164k▼ 5.9%
Total assets€264k▲ 11.0%€256k▼ 2.9%€355k▲ 38.3%€290k▼ 18.1%€397k▲ 36.6%
Debt€143k▼ 9.8%€166k▲ 15.8%€227k▲ 36.6%€117k▼ 48.5%€233k▲ 100.0%
Working capital€25k€-22k€20k€76k▲ 283%€57k▼ 24.7%
Staff (FTE)5.86.9▲ 19.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 65% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €397k
Fixed assets
€172k ▲ 23.9%
Current assets
€225k ▲ 48.2%
Equity and liabilities €397k
Equity
€164k ▼ 5.9%
Debt
€233k ▲ 100.0%
Debt's share of the balance-sheet total rises from 40.1% to 58.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€42k▼
2024 · €85k
Cash flow
€29k▼
2024 · €63k
Current ratio
1.34▼
2024 · 2.01
Quick ratio
0.91▼
2024 · 1.41
Debt to equity
1.42▲
2024 · 0.67
ROE
6.6%▼
2024 · 26.3%
ROA
2.7%▼
2024 · 15.8%
Interest coverage
4.71▲
2024 · -1358.33
Debt ≤ 1 year
€167k▲
2024 · €75k
Debt > 1 year
€66k▲
2024 · €41k
Income taxes
€4k▼
2024 · €22k
Staff costs
€191k▲
2024 · €166k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | €770k | €857k | ▲ 11.4% |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €582k | €628k | ▲ 8.0% |
| Remuneration, social security and pensions62 | €70k | €153k | €179k | €166k | €191k | ▲ 15.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16k | €17k | €17k | €17k | €18k | ▲ 5.8% |
| Other operating charges640/8 | €10k | €21k | €23k | €9k | €14k | ▲ 54.4% |
| Non-recurring operating charges66A | - | - | - | - | €4k | - |
| Gross operating margin9900 | €138k | €164k | €264k | €260k | €252k | ▼ 3.2% |
| Operating profit (loss)9901 | €42k | €-27k | €45k | €67k | €24k | ▼ 64.7% |
| Financial income75/76B | €362 | €864 | €60 | €0 | - | - |
| Recurring financial income75 | €362 | €864 | €60 | €0 | - | - |
| Financial charges65/66B | €1k | €4k | €4k | €-62 | €9k | ▲ 14,434% |
| Recurring financial charges65 | €1k | €4k | €4k | €-62 | €9k | ▲ 14,434% |
| Profit (loss) for the period before taxes9903 | €42k | €-30k | €40k | €67k | €15k | ▼ 78.0% |
| Income taxes67/77 | €-299 | - | €3k | €22k | €4k | ▼ 81.2% |
| Profit (loss) for the period9904 | €42k | €-30k | €37k | €46k | €11k | ▼ 76.5% |
| Profit (loss) for the period to be appropriated9905 | €42k | €-30k | €37k | €46k | €11k | ▼ 76.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €264k | €256k | €355k | €290k | €397k | ▲ 36.6% |
| Fixed assets21/28 | €162k | €171k | €156k | €139k | €172k | ▲ 23.9% |
| Intangible fixed assets21 | €21k | €18k | €15k | €12k | €9k | ▼ 25.0% |
| Tangible fixed assets22/27 | €140k | €152k | €140k | €126k | €162k | ▲ 28.8% |
| Land and buildings22 | €101k | €117k | €114k | €111k | €107k | ▼ 3.1% |
| Plant, machinery and equipment23 | €8k | €9k | €5k | €3k | €3k | ▲ 12.2% |
| Furniture and vehicles24 | €12k | €9k | €7k | €2k | €46k | ▲ 1,781% |
| Other tangible fixed assets26 | €19k | €17k | €14k | €10k | €6k | ▼ 41.5% |
| Financial fixed assets28 | €1k | €1k | €1k | €1k | €1k | = |
| Current assets29/58 | €102k | €85k | €198k | €151k | €225k | ▲ 48.2% |
| Stocks and contracts in progress3 | €4k | €9k | €47k | €45k | €72k | ▲ 59.8% |
| Stocks30/36 | €4k | €9k | €47k | €45k | €72k | ▲ 59.8% |
| Amounts receivable within one year40/41 | €25k | €54k | €93k | €32k | €77k | ▲ 142% |
| Trade receivables40 | €20k | €49k | €91k | €29k | €48k | ▲ 63.1% |
| Other amounts receivable41 | €5k | €5k | €2k | €2k | €28k | ▲ 1,266% |
| Cash at bank and in hand54/58 | €73k | €23k | €59k | €75k | €76k | ▲ 1.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €264k | €256k | €355k | €290k | €397k | ▲ 36.6% |
| Equity10/15 | €121k | €91k | €128k | €174k | €164k | ▼ 5.9% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Outside capital11 | €19k | - | - | - | - | - |
| Other1109/19 | €19k | - | - | - | - | - |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | - | - | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €101k | €70k | €108k | €153k | €143k | ▼ 6.7% |
| Amounts payable17/49 | €143k | €166k | €227k | €117k | €233k | ▲ 100.0% |
| Amounts payable after more than one year17 | €66k | €58k | €48k | €41k | €66k | ▲ 60.0% |
| Financial debts170/4 | €66k | €58k | €48k | €41k | €66k | ▲ 60.0% |
| Amounts payable within one year42/48 | €77k | €108k | €178k | €75k | €167k | ▲ 122% |
| Current portion of amounts payable after more than one year42 | €10k | €10k | €10k | €4k | €12k | ▲ 174% |
| Trade debts44 | €43k | €58k | €5k | €30k | €97k | ▲ 227% |
| Suppliers440/4 | €43k | €58k | €5k | €30k | €97k | ▲ 227% |
| Advances received on contracts in progress46 | - | €1k | €99k | - | - | - |
| Taxes, remuneration and social security45 | €13k | €33k | €59k | €37k | €47k | ▲ 25.5% |
| Taxes450/3 | €500 | €16k | €21k | €18k | €30k | ▲ 62.3% |
| Remuneration and social security454/9 | €13k | €17k | €39k | €19k | €17k | ▼ 9.9% |
| Other amounts payable47/48 | €11k | €5k | €4k | €4k | €11k | ▲ 189% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €42k | €-30k | €37k | €46k | €11k | ▼ 76.5% |
| + Depreciation and write-downs630 | €16k | €17k | €17k | €17k | €18k | ▲ 5.8% |
| Operating cash flow (approximation) | €58k | €-13k | €55k | €63k | €29k | ▼ 53.9% |
| Investment in fixed assets (approximation) | - | €-26k | €-2k | €0 | €-52k | ▼ 19,825,515% |
| Change in cash | - | €-50k | €36k | €16k | €1k | ▼ 93.0% |
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
Next filing, fiscal year 2026, expected by
2026
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €46k ▲22%
Operating result €67k, net result €46k, both a record.
31-12
Financial
Equity above €150kEq €174k ▲35.7%
2 profitable years in a row build equity to €174k.
06-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 37 days late
2023
31-12
Financial
Back to profitnet €37k
Net result €37k after one loss-making year.
31-12
Financial
Equity above €100kEq €128k ▲41.4%
Equity rises from €91k to €128k.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-30k
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €42k
Net result €42k after one loss-making year.
31-12
Financial
Equity above €100kEq €121k ▲52.9%
Equity rises from €79k to €121k.
Show earlier events
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
03-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 64 days late
2018
29-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
15-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 15 days late
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, Antwerpen · 4 establishment units since 2012
Ground area
1,697 m²
Building footprint
1,283 m²
Volume, LiDAR
10,377 m³
4 parcels, Flanders · tallest building 15.1 m, ±5 floors. Linked by address, not a title deed.
4 establishment units
Sportif
since 20122.205.658.749
De nieuwe spiegel
since 20142.229.992.287
Cafe Chivas
since 20192.295.778.182
'T Briljantje
since 20202.302.992.410
4 parcels
Flanders
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11383B0325/00G000 | Flanders | 796 m² | 1 · 755 m² | 11.4 m · 2 fl. |
| 11028A0144/00S009 | Flanders | 601 m² | 1 · 233 m² | 15.1 m · 5 fl. |
| 11007A0047/00B015 | Flanders | 205 m² | 1 · 200 m² | 9.4 m · 3 fl. |
| 11383B0338/00G000 | Flanders | 94 m² | 1 · 94 m² | 13.5 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
4 sitesAntwerpen2.205.658.749
Antwerpen2.229.992.287
Antwerpen2.295.778.182
Antwerpen2.302.992.410
Dual-learning approval
3 endedHulpkelner (so)
Hulpkelner (vwo)
Hulpkelner duaal (so)
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Of 14,006 companies in sector 56301 we hold annual accounts for 4,888. 3,304 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
Founded21-10-2011
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
Scores and ratios are computed by Checked and are not a credit decision.