POTAGER DES GUILLEMINS
ActivePOTAGER DES GUILLEMINS has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €97k and a net result of €8k. Equity is shrinking by ~19.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 60% of 10253 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35▼-19
Solvency71▼-3
Growth32=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.11 against 2.27 in 2024; short-term debt: 47.2% and cash: 1.3% of total assets), but 53.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 · 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
46.3%
Return on assets
3.6%
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 €97k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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
2025
26 d late
2024
95 d late
2023
35 d early
2022
38 d early
2021
39 d early
2020
61 d early
2019
32 d early
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€8k▼ 66.8%
2024 · €23k
2018: €35k
2019: €33k
2020: €80k
2021: €14k
2022: €-365
2023: €-26k
2024: €23k
2018 → 2025
Working capital
€111k▲ 8.4%
2024 · €102k
2018: €276k
2019: €282k
2020: €229k
2021: €239k
2022: €121k
2023: €87k
2024: €102k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€243k-€93k▼ 61.8%€67k▼ 28.1%€90k▲ 34.4%€97k▲ 8.5%
Operating result€32k-€15k▼ 52.7%€-8k€36k€26k▼ 27.3%
Net result€14k-€-365€-26k▼ 7,045%€23k€8k▼ 66.8%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €211k
Fixed assets
€248▼ 84.8%
Current assets
€210k▲ 15.2%
Equity and liabilities €211k
Equity
€97k▲ 8.5%
Debt
€113k▲ 19.9%
The debt ratio rises from 51.2% to 53.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€27k▼
2024 · €37k
Cash flow
€9k▼
2024 · €24k
Solvency
46.3%▼
2024 · 48.8%
Current ratio
2.11▼
2024 · 2.27
Quick ratio
1.54▲
2024 · 1.48
Debt / equity
1.16▲
2024 · 1.05
ROE
7.8%▼
2024 · 25.6%
ROA
3.6%▼
2024 · 12.5%
Interest coverage
1.46▼
2024 · 2.41
Debt
€113k▲
2024 · €94k
Debt ≤ 1 year
€99k▲
2024 · €80k
Debt > 1 year
€5k▼
2024 · €14k
Income taxes
€4k
Staff costs
€89k▼
2024 · €111k
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€184k€211k▲
Fixed assets21/28€2k€248▼
Tangible fixed assets22/27€2k€248▼
Plant, machinery and equipment23€643€233▼
Furniture and vehicles24€986€15▼
Current assets29/58€183k€210k▲
Stocks and contracts in progress3€63k€57k▼
Stocks30/36€63k€57k▼
Amounts receivable within one year40/41€111k€150k▲
Trade receivables40€4k€4k▼
Other amounts receivable41€107k€146k▲
Cash at bank and in hand54/58€8k€3k▼
Equity and liabilities
Total equity and liabilities10/49€184k€211k▲
Equity10/15€90k€97k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€82k€89k▲
Amounts payable17/49€94k€113k▲
Amounts payable after more than one year17€14k€5k▼
Financial debts170/4€14k€5k▼
Amounts payable within one year42/48€80k€99k▲
Current portion of amounts payable after more than one year42€9k€9k▲
Financial debts43-€5k
Credit institutions430/8-€5k
Trade debts44€37k€47k▲
Suppliers440/4€37k€47k▲
Taxes, remuneration and social security45€35k€34k▼
Taxes450/3€6k€6k▼
Remuneration and social security454/9€29k€28k▼
Other amounts payable47/48-€4k
Accrued charges and deferred income492/3-€8k
Income statement
Code20242025
Remuneration, social security and pensions62€111k€89k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€23k€56▼
Gross operating margin9900€170k€116k▼
Operating profit (loss)9901€36k€26k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€15k€19k▲
Recurring financial charges65€15k€19k▲
Profit (loss) for the period before taxes9903€23k€11k▼
Income taxes67/77-€4k
Profit (loss) for the period9904€23k€8k▼
Profit (loss) for the period to be appropriated9905€23k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€82k€89k▲
Profit (loss) brought forward from the previous period14P€59k€82k▲
Social balance
Average headcount (FTE)9087-4.8
The notes to these accounts (10 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
03-11
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 95 days late
2024
31-12
Financial
Back to profitnet €23k
Net result €23k after 2 loss-making years.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €-26k
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Liquidity doublescurrent ratio 4.44
Current ratio from 2.02 to 4.44; short-term debt falls from €223k to €70k.
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €80k ▲143%
Operating result €129k, net result €80k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 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, Blégny · 1 establishment unit since 1998
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.
Rue Entre-deux-Villes 124670 BlégnyGround area
318 m²
Building footprint
115 m²
Volume, LiDAR
915 m³
Parcel 62103B0484/00A005, Wallonia · tallest building 9.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Entre-deux-Villes 12, 4670 Blégny
since 19982.089.361.390
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62103B0484/00A005 | Wallonia | 318 m² | 1 · 115 m² | 9.1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBlégny2.089.361.390
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Of 10,529 companies in sector 47110 we hold annual accounts for 5,858. 4,656 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded09-10-1998
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
52112
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.