SAINT GUIDON
ActiveSAINT GUIDON has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €193k and a net result of €8k. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 15% of 4830 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
71
/ 100
Healthy▲ +24 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability20▲+8
Solvency23▲+2
Growth78▲+11
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity tight (current ratio 1.12 against 1.09 in 2024), and 86.3% 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 46
Relative position
BE, all sectors
reference
Sector 46
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
13.7%
Return on assets
0.5%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 4830 sector peers (2025).
NBB · sector comparisonPosition among 4830 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-02-2026, 18 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
18 d late
2024
18 d late
2023
19 d late
2022
24 d late
2021
on the day
2020
5 d late
2019
28 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€1.37M▼ 11.0%
2024 · €1.54M
2019: €648k
2020: €551k
2021: €620k
2022: €597k
2023: €816k
2024: €1.54M
2019 → 2025
EBIT margin
0.7%▲ 1.0pp
2024 · -0.3%
2019: 1.2%
2020: 0.2%
2021: 0.8%
2022: 1.9%
2023: 1.8%
2024: -0.3%
2019 → 2025
Net result
€8k
2024 · €-7k
2019: €5k
2020: €-1k
2021: €4k
2022: €10k
2023: €18k
2024: €-7k
2019 → 2025
Working capital
€134k▲ 19.3%
2024 · €113k
2019: €52k
2020: €49k
2021: €59k
2022: €119k
2023: €89k
2024: €113k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€620k-€597k▼ 3.8%€816k▲ 36.8%€1.54M▲ 88.5%€1.37M▼ 11.0%
Equity€164k-€175k▲ 6.4%€192k▲ 10.1%€185k▼ 3.7%€193k▲ 4.0%
Operating result€5k-€11k▲ 133%€15k▲ 32.9%€-5k€9k
Net result€4k-€10k▲ 168%€18k▲ 69.0%€-7k€8k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €9k after a loss of €5k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.41M
Fixed assets
€142k▼ 16.5%
Current assets
€1.27M▼ 11.6%
Equity and liabilities €1.41M
Equity
€193k▲ 4.0%
Debt
€1.22M▼ 14.2%
The debt ratio falls from 88.5% to 86.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€37k▼
2024 · €40k
Cash flow
€36k▼
2024 · €38k
Solvency
13.7%▲
2024 · 11.5%
Current ratio
1.12▲
2024 · 1.09
Quick ratio
1.12▲
2024 · 1.09
Debt / equity
6.31▼
2024 · 7.66
ROE
3.9%▲
2024 · -3.8%
ROA
0.5%▲
2024 · -0.4%
Interest coverage
20.05▲
2024 · 18.78
Debt
€1.22M▼
2024 · €1.42M
Debt ≤ 1 year
€1.13M▼
2024 · €1.32M
Debt > 1 year
€84k▼
2024 · €98k
Income taxes
€114▲
2024 · €91
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€1.61M€1.41M▼
Fixed assets21/28€171k€142k▼
Tangible fixed assets22/27€171k€142k▼
Land and buildings22€171k€142k▼
Financial fixed assets28€62€62=
Current assets29/58€1.43M€1.27M▼
Amounts receivable within one year40/41€1.38M€1.18M▼
Trade receivables40€1.38M€1.18M▼
Other amounts receivable41€4k€394▼
Cash at bank and in hand54/58€54k€90k▲
Equity and liabilities
Total equity and liabilities10/49€1.61M€1.41M▼
Equity10/15€185k€193k▲
Contributions10/11€12k€12k=
Reserves13€83k€83k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€81k€81k=
Profit (loss) carried forward14€90k€97k▲
Amounts payable17/49€1.42M€1.22M▼
Amounts payable after more than one year17€98k€84k▼
Financial debts170/4€98k€84k▼
Amounts payable within one year42/48€1.32M€1.13M▼
Current portion of amounts payable after more than one year42€14k€14k=
Trade debts44€1.30M€1.12M▼
Suppliers440/4€1.30M€1.12M▼
Taxes, remuneration and social security45€738€91▼
Taxes450/3€738€91▼
Other amounts payable47/48€3k€3k=
Income statement
Code20242025
Turnover70€1.54M€1.37M▼
Non-recurring operating income76A-€537
Goods, raw materials, services and sundry goods60/61€1.50M€1.26M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€28k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€42k€40k▼
Operating profit (loss)9901€-5k€9k▲
Financial income75/76B€170€245▲
Recurring financial income75€170€245▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-7k€8k▲
Income taxes67/77€91€114▲
Profit (loss) for the period9904€-7k€8k▲
Profit (loss) for the period to be appropriated9905€-7k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€90k€97k▲
Profit (loss) brought forward from the previous period14P€97k€90k▼
The notes to these accounts (8 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
18-02
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 18 days late
2025
30-06
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
18-02
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 18 days late
2024
30-06
Financial
Weakest financial yearnet €-7k ▼140%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
19-02
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 19 days late
2023
30-06
Financial
Highest result since 2019net €18k ▲69%
Operating result €15k, net result €18k, both a record.
24-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 24 days late
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-06
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
05-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 5 days late
2020
28-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 28 days late
2019
01-02
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 1 day late
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Erquelinnes · 1 establishment unit since 1995
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 de Thuin 16560 ErquelinnesGround area
1,706 m²
Building footprint
143 m²
Volume, LiDAR
822 m³
Parcel 56035A0001/00F000, Wallonia · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Thuin 1, 6560 Erquelinnes
since 19952.071.249.809
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56035A0001/00F000 | Wallonia | 1,706 m² | 1 · 143 m² | 7.3 m · 2 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 siteErquelinnes2.071.249.809
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Of 949 companies in sector 46319 we hold annual accounts for 603. 416 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-03-1995
Fiscal year end30-06
Activities, NACEBEL
46319Wholesale of fruit and vegetables, excluding potatoes
51310
Sources
Crossroads Bank for EnterprisesNational Bank · 30 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.