Point-Guard
ActiveSummary
Point-Guard has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €560k and a net result of €105k. Equity is growing by ~25.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+7
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 37.09 against 11.23 in 2024; short-term debt: 2.5% and cash: 49.9% of total assets), and 2.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
97.3%
Return on assets
18.3%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 09-03-2026, 52 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
52 d early
2024
30 d early
2023
on the day
2022
11 d early
2021
5 d early
2020
on the day
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€560k▲ 23.1%
2024 · €455k
2018: €34k
2019: €138k
2020: €184k
2021: €248k
2022: €327k
2023: €405k
2024: €455k
2018 → 2025
Total assets
€576k▲ 15.9%
2024 · €497k
2018: €70k
2019: €198k
2020: €202k
2021: €275k
2022: €335k
2023: €434k
2024: €497k
2018 → 2025
Net result
€105k▲ 60.3%
2024 · €66k
2018: €20k
2019: €106k
2020: €46k
2021: €64k
2022: €79k
2023: €78k
2024: €66k
2018 → 2025
Working capital
€527k▲ 27.2%
2024 · €414k
2018: €14k
2019: €120k
2020: €176k
2021: €246k
2022: €311k
2023: €391k
2024: €414k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€248k-€327k▲ 31.9%€405k▲ 24.0%€455k▲ 12.3%€560k▲ 23.1%
Operating result€90k-€109k▲ 20.6%€106k▼ 2.4%€84k▼ 20.9%€99k▲ 18.1%
Net result€64k-€79k▲ 24.3%€78k▼ 1.0%€66k▼ 16.3%€105k▲ 60.3%
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 2025; 2025 is 18% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €576k
Fixed assets
€34k ▼ 18.5%
Current assets
€541k ▲ 19.1%
Equity and liabilities €576k
Equity
€560k ▲ 23.1%
Debt
€15k ▼ 63.2%
Debt's share of the balance-sheet total falls from 8.3% to 2.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€107k▲
2024 · €89k
Cash flow
€113k▲
2024 · €71k
Current ratio
37.09▲
2024 · 11.23
Debt to equity
0.03▼
2024 · 0.09
ROE
18.8%▲
2024 · 14.4%
ROA
18.3%▲
2024 · 13.2%
Interest coverage
221.27▲
2024 · 90.50
Debt ≤ 1 year
€15k▼
2024 · €40k
Income taxes
€18k▼
2024 · €25k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€497k€576k▲
Fixed assets21/28€42k€34k▼
Tangible fixed assets22/27€42k€34k▼
Land and buildings22€32k€29k▼
Plant, machinery and equipment23€300€39▼
Furniture and vehicles24€10k€5k▼
Current assets29/58€455k€541k▲
Amounts receivable within one year40/41€17k€20k▲
Trade receivables40€0-
Other amounts receivable41€17k€20k▲
Current investments50/53€197k€233k▲
Cash at bank and in hand54/58€239k€288k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€497k€576k▲
Equity10/15€455k€560k▲
Contributions10/11€19k€19k=
Reserves13€437k€542k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€437k€542k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€41k€15k▼
Amounts payable within one year42/48€40k€15k▼
Trade debts44€573€648▲
Suppliers440/4€573€648▲
Taxes, remuneration and social security45€9k€4k▼
Taxes450/3€9k€4k▼
Other amounts payable47/48€31k€10k▼
Accrued charges and deferred income492/3€976€672▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€7k▲
Other operating charges640/8€6k€2k▼
Non-recurring operating charges66A-€388
Gross operating margin9900€95k€109k▲
Operating profit (loss)9901€84k€99k▲
Financial income75/76B€7k€24k▲
Recurring financial income75€7k€24k▲
Financial charges65/66B€985€482▼
Recurring financial charges65€985€482▼
Profit (loss) for the period before taxes9903€90k€123k▲
Income taxes67/77€25k€18k▼
Profit (loss) for the period9904€66k€105k▲
Profit (loss) for the period to be appropriated9905€66k€105k▲
Appropriation of the result
Profit (loss) to be appropriated9906€66k€105k▲
Transfer from equity791/2€28k€0▼
Transfer to equity691/2€66k€105k▲
To other reserves6921€66k€105k▲
Profit to be distributed694/7€28k€0▼
Return on contributions (dividend)694€28k€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
09-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Liquidity triplescurrent ratio 37.09
Current ratio from 11.23 to 37.09; short-term debt falls from €40k to €15k.
30-09
Financial
Equity above €500kEq €560k ▲23.1%
8 profitable years in a row build equity to €560k.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Liquidity quadruplescurrent ratio 41.44
Current ratio from 10.47 to 41.44; short-term debt falls from €26k to €8k.
25-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €200kEq €248k ▲34.5%
4 profitable years in a row build equity to €248k.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Liquidity quadruplescurrent ratio 11.77
Current ratio from 3.00 to 11.77; short-term debt falls from €60k to €16k.
30-09
Financial
Equity above €150kEq €184k ▲33.3%
3 profitable years in a row build equity to €184k.
Show earlier events
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Highest result since 2018net €106k ▲419%
Operating result €155k, net result €106k, both a record.
30-09
Financial
Liquidity doublescurrent ratio 3.00
Current ratio from 1.43 to 3.00.
30-09
Financial
Equity above €100kEq €138k ▲303%
2 profitable years in a row build equity to €138k.
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro 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, Watermaal-Bosvoorde · 1 establishment unit since 2017
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.
Berkenlaan 31170 Watermaal-BosvoordeGround area
93 m²
Building footprint
93 m²
Volume, LiDAR
795 m³
Parcel 21017D0373/00T003, Brussels · tallest building 12.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Point-Guard
since 20172.262.155.608
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21017D0373/00T003 | Brussels | 92 m² | 1 · 92 m² | 12.7 m · 3 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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TRIWASTE
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VDR PROJECTS
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LGMS CONSULT
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JACOS MANAGEMENT & CONSULTING
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 33,696 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
Founded13-02-2017
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:eric.goeyvaerts@gmail.com
Phone:0476/27.50.49