PARFUMERIES GUTMANN
ActivePARFUMERIES GUTMANN has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74k and a net result of €-16k. Equity is shrinking by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 26% of 10242 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
17
/ 100
Critical▼ -44 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-19
Solvency26▼-6
Growth50=
Stability100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.16 against 1.25 in 2024), and 83.7% 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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
16.3%
Return on assets
-3.5%
Age of the figures
19 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 · Filed after the deadline
The financial year that closed on 31-01-2025 was due by 31-08-2025 and was filed on 23-09-2025, 23 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2026
not confirmed
2025
23 d late
2024
24 d late
2023
26 d late
2022
27 d late
2021
49 d late
2020
29 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Turnover
€1.47M▲ 15.9%
2021 · €1.27M
2021: €1.27M
2021 → 2024
EBIT margin
0.8%=
2021 · 0.8%
2021: 0.8%
2021 → 2024
Net result
€-16k
2024 · €4k
2019: €8k
2020: €-22k
2021: €4k
2022: €3k
2023: €-34k
2024: €4k
2019 → 2025
Working capital
€58k▼ 24.0%
2024 · €77k
2019: €102k
2020: €98k
2021: €90k
2022: €130k
2023: €68k
2024: €77k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.27M-€1.47M
Equity€116k-€119k▲ 2.7%€85k▼ 28.8%€89k▲ 4.6%€74k▼ 17.5%
Operating result€10k-€9k▼ 6.4%€-30k€12k€-9k
Net result€4k-€3k▼ 26.3%€-34k€4k€-16k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9k after €12k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €450k
Fixed assets
€37k▼ 26.3%
Current assets
€412k▲ 8.9%
Equity and liabilities €450k
Equity
€74k▼ 17.5%
Debt
€376k▲ 10.6%
The debt ratio rises from 79.3% to 83.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€5k▼
2024 · €27k
Cash flow
€-2k▼
2024 · €19k
Solvency
16.3%▼
2024 · 20.7%
Current ratio
1.16▼
2024 · 1.25
Quick ratio
0.22▼
2024 · 0.26
Debt / equity
5.12▲
2024 · 3.82
ROE
-21.1%▼
2024 · 4.4%
ROA
-3.5%▼
2024 · 0.9%
Interest coverage
0.89▼
2024 · 4.16
Debt
€376k▲
2024 · €340k
Debt ≤ 1 year
€354k▲
2024 · €302k
Debt > 1 year
€547▼
2024 · €12k
Income taxes
€1k▲
2024 · €1k
Staff costs
€275k▲
2024 · €265k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€429k€450k▲
Fixed assets21/28€51k€37k▼
Intangible fixed assets21€6k€3k▼
Tangible fixed assets22/27€44k€35k▼
Plant, machinery and equipment23€25k€21k▼
Furniture and vehicles24€19k€13k▼
Current assets29/58€379k€412k▲
Stocks and contracts in progress3€302k€336k▲
Stocks30/36€302k€336k▲
Amounts receivable within one year40/41€35k€43k▲
Trade receivables40€1k€1k▲
Other amounts receivable41€33k€41k▲
Cash at bank and in hand54/58€28k€26k▼
Deferred charges and accrued income490/1€14k€9k▼
Equity and liabilities
Total equity and liabilities10/49€429k€450k▲
Equity10/15€89k€74k▼
Contributions10/11€12k€12k=
Reserves13€121k€121k=
Distributable reserves133€121k€121k=
Profit (loss) carried forward14€-45k€-60k▼
Amounts payable17/49€340k€376k▲
Amounts payable after more than one year17€12k€547▼
Financial debts170/4€12k€547▼
Amounts payable within one year42/48€302k€354k▲
Current portion of amounts payable after more than one year42€13k€11k▼
Financial debts43€20k€40k▲
Credit institutions430/8€20k-
Other loans439-€40k
Trade debts44€169k€197k▲
Suppliers440/4€169k€197k▲
Taxes, remuneration and social security45€48k€47k▼
Taxes450/3€5k€3k▼
Remuneration and social security454/9€44k€44k▲
Other amounts payable47/48€51k€59k▲
Accrued charges and deferred income492/3€27k€22k▼
Income statement
Code20242025
Turnover70€1.47M-
Goods, raw materials, services and sundry goods60/61€1.17M-
Remuneration, social security and pensions62€265k€275k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€14k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€294k€282k▼
Operating profit (loss)9901€12k€-9k▼
Financial income75/76B€33€263▲
Recurring financial income75€33€263▲
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€5k€-14k▼
Income taxes67/77€1k€1k▲
Profit (loss) for the period9904€4k€-16k▼
Profit (loss) for the period to be appropriated9905€4k€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-45k€-60k▼
Profit (loss) brought forward from the previous period14P€-49k€-45k▲
Social balance
Average headcount (FTE)90875.45.4=
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 23 days late
2024
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 24 days late
31-01
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
2023
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 26 days late
31-01
Financial
Weakest financial yearnet €-34k ▼1190%
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 27 days late
2021
19-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 49 days late
31-01
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 29 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 30 days late
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 25 days late
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 25 days late
2016
22-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 22 days late
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, Kortrijk · 2 establishment units since 2014
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.
Doorniksestraat(Kor) 298500 KortrijkGround area
291 m²
Building footprint
291 m²
Volume, LiDAR
3,791 m³
2 parcels, Flanders · tallest building 18.7 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Parfumeries Gutmann
since 20142.233.660.768
Parfumeries Gutmann
since 20142.236.968.072
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34040C1052/00M000 | Flanders | 185 m² | 1 · 184 m² | 18.7 m · 5 fl. |
| 34353H0307/00_000 | Flanders | 106 m² | 1 · 106 m² | 13.5 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
ELEGANCE
BE 0453.642.967
Herentals · Eq €74k
AN SANO
BE 0762.873.920
Elsene · Eq €73k
MTI Boutique
BE 0757.688.279
Ukkel · Eq €74k
MASYBELLE
BE 0836.237.889
Verviers · Eq €74k
PETROL
BE 0472.009.621
Jette · Eq €73k
Of 2,058 companies in sector 47750 we hold annual accounts for 510. 384 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-07-2014
Fiscal year end31-01
Activities, NACEBEL
47750Retail sale of cosmetics and toilet articles
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.