REGNIER GUY ETS
ActiveSummary
REGNIER GUY ETS has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €119,171 and a net result of -€1,842. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 95% of 7625 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability34▼-24
Solvency100=
Growth35=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
short-term debt: 0.4% and cash: 3.3% of total assets, and 0.4% of the assets are financed with debt.
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Signals
Five 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 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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
99.6%
Return on assets
-1.5%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 10-12-2025, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
49 d early
2023
1 d early
2022
29 d early
2021
2 d late
2020
18 d early
2019
19 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 18 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 2 January (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close30-09-2026 today31-01-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Turnover
€11,133▼ 45.4%
2023 · €20,377
EBIT margin
28.0%▲ 25.9pp
2023 · 2.1%
Net result
-€1,842
2024 · €1,246
Working capital
€118,846▼ 1.5%
2024 · €120,689
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€49,441▼ 22.4%€33,841▼ 31.6%€20,377▼ 39.8%€11,133▼ 45.4%
Operating result€5,787€2,044▼ 64.7%€427▼ 79.1%€3,121▲ 631%-€1,721
Net result€5,307within the sector's middle half€1,064below the sector's middle half▼ 80.0%-€320within the sector's middle half€1,246within the sector's middle half-€1,842below the sector's middle half
EBIT margin11.7%▲ 13.0pp6.0%▼ 5.7pp2.1%▼ 3.9pp28.0%▲ 25.9pp
Equity€119,024within the sector's middle half▲ 4.7%€120,088within the sector's middle half▲ 0.9%€119,768above the sector's middle half▼ 0.3%€121,014within the sector's middle half▲ 1.0%€119,171above the sector's middle half▼ 1.5%
Total assets€135,106below the sector's middle half▲ 9.3%€135,394below the sector's middle half▲ 0.2%€133,504within the sector's middle half▼ 1.4%€125,111below the sector's middle half▼ 6.3%€119,666within the sector's middle half▼ 4.4%
Debt€16,082▲ 62.2%€15,306▼ 4.8%€13,736▼ 10.3%€4,097▼ 70.2%€495▼ 87.9%
Working capital€116,864within the sector's middle half▲ 6.0%€117,978within the sector's middle half▲ 1.0%€118,429above the sector's middle half▲ 0.4%€120,689within the sector's middle half▲ 1.9%€118,846above the sector's middle half▼ 1.5%
Solvency88.1%above the sector's middle half▼ 3.9pp88.7%above the sector's middle half▲ 0.6pp89.7%above the sector's middle half▲ 1.0pp96.7%above the sector's middle half▲ 7.0pp99.6%above the sector's middle half▲ 2.9pp
Current ratio8.27above the sector's middle half▼ 3.858.71above the sector's middle half▲ 0.449.62above the sector's middle half▲ 0.9130.46above the sector's middle half▲ 20.84
Return on assets (ROA)3.9%within the sector's middle half▲ 4.9pp0.8%within the sector's middle half▼ 3.1pp-0.2%within the sector's middle half▼ 1.0pp1.0%within the sector's middle half▲ 1.2pp-1.5%below the sector's middle half▼ 2.5pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1,721 after €3,121 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €119,666
Fixed assets
€325 =
Current assets
€119,341 ▼ 4.4%
Equity and liabilities €119,666
Equity
€119,171 ▼ 1.5%
Debt
€495 ▼ 87.9%
Debt's share of the balance-sheet total falls from 3.3% to 0.4%. Equity and debt are lower.
Key figures and ratios
Debt to equity
0.00▼
2024 · 0.03
ROE
-1.5%▼
2024 · 1.0%
Debt ≤ 1 year
€495▼
2024 · €4,097
A ratio outside any meaningful range has been withheld (balance sheet total €119,666, equity €119,171).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.7%
went bankrupt
8.6%
stopped otherwise
90%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 12,321 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €49,441 | €33,841 | €20,377 | €11,133 | - | - |
| Non-recurring operating income76A | - | - | €29 | €1,130 | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €30,448 | €17,336 | €7,288 | €1,721 | ▼ 76.4% |
| Remuneration, social security and pensions62 | - | €857 | €714 | €384 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,328 | €51 | - | €292 | - | - |
| Other operating charges640/8 | - | €441 | €471 | €48 | - | - |
| Non-recurring operating charges66A | - | - | €1,458 | - | - | - |
| Gross operating margin9900 | €7,276 | €3,393 | €3,070 | €3,845 | -€1,721 | ▼ 145% |
| Operating profit (loss)9901 | €5,787 | €2,044 | €427 | €3,121 | -€1,721 | ▼ 155% |
| Recurring financial income75 | €14 | - | - | - | - | - |
| Financial charges65/66B | - | €783 | €747 | €1,624 | €121 | ▼ 92.5% |
| Recurring financial charges65 | €494 | €783 | €747 | €1,624 | €121 | ▼ 92.5% |
| Profit (loss) for the period before taxes9903 | €5,307 | €1,261 | -€320 | €1,497 | -€1,842 | ▼ 223% |
| Income taxes67/77 | - | €197 | - | €251 | - | - |
| Profit (loss) for the period9904 | €5,307 | €1,064 | -€320 | €1,246 | -€1,842 | ▼ 248% |
| Profit (loss) for the period to be appropriated9905 | €5,307 | €1,064 | -€320 | €1,246 | -€1,842 | ▼ 248% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €135,106 | €135,394 | €133,504 | €125,111 | €119,666 | ▼ 4.4% |
| Fixed assets21/28 | €2,160 | €2,110 | €1,339 | €325 | €325 | = |
| Tangible fixed assets22/27 | €1,334 | €1,284 | €513 | - | - | - |
| Land and buildings22 | - | €992 | €513 | - | - | - |
| Plant, machinery and equipment23 | - | €292 | - | - | - | - |
| Financial fixed assets28 | €826 | €826 | €826 | €325 | €325 | = |
| Current assets29/58 | €132,946 | €133,284 | €132,165 | €124,786 | €119,341 | ▼ 4.4% |
| Amounts receivable within one year40/41 | €132,197 | €132,730 | €131,946 | €124,786 | €115,383 | ▼ 7.5% |
| Trade receivables40 | - | €9,481 | €2,763 | €4,655 | €1,630 | ▼ 65.0% |
| Other amounts receivable41 | - | €123,249 | €129,183 | €120,131 | €113,753 | ▼ 5.3% |
| Cash at bank and in hand54/58 | - | - | - | - | €3,958 | - |
| Deferred charges and accrued income490/1 | - | €554 | €219 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €135,106 | €135,394 | €133,504 | €125,111 | €119,666 | ▼ 4.4% |
| Equity10/15 | €119,024 | €120,088 | €119,768 | €121,014 | €119,171 | ▼ 1.5% |
| Contributions10/11 | €6,205 | €6,205 | €6,205 | €6,205 | €6,205 | = |
| Capital10 | - | €6,205 | €6,205 | €6,205 | €6,205 | = |
| Issued capital100 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Uncalled capital101 | - | €12,395 | €12,395 | €12,395 | €12,395 | = |
| Reserves13 | €111,860 | €111,860 | €111,860 | €111,860 | €111,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Legal reserve130 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Tax-exempt reserves132 | - | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Distributable reserves133 | - | €108,000 | €108,000 | €108,000 | €108,000 | = |
| Profit (loss) carried forward14 | €959 | €2,023 | €1,703 | €2,949 | €1,106 | ▼ 62.5% |
| Amounts payable17/49 | €16,082 | €15,306 | €13,736 | €4,097 | €495 | ▼ 87.9% |
| Amounts payable within one year42/48 | €16,082 | €15,306 | €13,736 | €4,097 | €495 | ▼ 87.9% |
| Financial debts43 | - | €5,162 | €9,484 | €2,038 | - | - |
| Credit institutions430/8 | - | €5,162 | €9,484 | €2,038 | - | - |
| Trade debts44 | €11,645 | €9,910 | €4,224 | €1,809 | €495 | ▼ 72.6% |
| Suppliers440/4 | - | €9,910 | €4,224 | €1,809 | €495 | ▼ 72.6% |
| Taxes, remuneration and social security45 | - | €234 | €28 | €250 | - | - |
| Taxes450/3 | - | €234 | €28 | €250 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5,307 | €1,064 | -€320 | €1,246 | -€1,842 | ▼ 248% |
| + Depreciation and write-downs630 | €1,328 | €51 | - | €292 | - | - |
| Operating cash flow (approximation) | €6,635 | €1,115 | -€320 | €1,538 | -€1,842 | ▼ 220% |
| Investment in fixed assets (approximation) | - | -€1 | €771 | €722 | €0 | ▼ 100% |
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
2025
10-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Weakest financial yearnet -€1,842
Net result drops to -€1,842, the lowest in the series.
30-06
Financial
Liquidity times 8current ratio 241.09
Current ratio from 30.46 to 241.09; short-term debt falls from €4,097 to €495.
2024
13-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
30-06
Financial
Back to profitnet €1,246
Net result €1,246 after one loss-making year.
30-06
Financial
Liquidity triplescurrent ratio 30.46
Current ratio from 9.62 to 30.46; short-term debt falls from €13,736 to €4,097.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
02-02
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 2 days late
2021
30-06
Financial
Back to profitnet €5,307
Net result €5,307 after one loss-making year.
13-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-06
Financial
Liquidity doublescurrent ratio 12.12
Current ratio from 4.87 to 12.12; short-term debt falls from €28,363 to €9,916.
Show earlier events
19-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 19 days late
2019
10-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
21-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 21 days late
2017
24-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Couvin · 1 establishment unit since 1988
Ground area
1,115 m²
Building footprint
121 m²
Parcel 93053A0635/00L000, Wallonia. Linked by address, not a title deed.
1 establishment unit
REGNIER GUY ETS
since 19882.036.834.803
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93053A0635/00L000 | Wallonia | 1,115 m² | 1 · 121 m² | - |
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.
Similar companies · same sector, comparable size
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CORLUY
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TM CONSTRUCT
BE 0670.436.383
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D-BuildReal Estate
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Of 29,766 companies in sector 41001 we hold annual accounts for 16,055. 12,996 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 (pre-2019)
Founded01-04-1988
Fiscal year end30-06
Activities, NACEBEL 2025
41001General construction of residential buildings
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
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If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.