Summary
GUINEE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €871k and a net result of €51k. Equity is growing by ~14% per year across the filed fiscal years. Its solvency ranks better than 95% of 8023 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
48 d early
2023
47 d early
2022
45 d early
2021
44 d early
2020
50 d early
2019
28 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€871k▼ 5.6%
2024 · €923k
2018: €347k
2019: €450k
2020: €552k
2021: €542k
2022: €613k
2023: €760k
2024: €923k
2018 → 2025
Net result
€51k▼ 78.0%
2024 · €231k
2018: €62k
2019: €103k
2020: €102k
2021: €95k
2022: €146k
2023: €227k
2024: €231k
2018 → 2025
Total assets
€881k▼ 4.8%
2024 · €925k
2018: €377k
2019: €483k
2020: €588k
2021: €568k
2022: €641k
2023: €846k
2024: €925k
2018 → 2025
Solvency
98.9%▼ 0.9pp
2024 · 99.8%
2018: 92.1%
2019: 93.2%
2020: 93.8%
2021: 95.4%
2022: 95.6%
2023: 89.7%
2024: 99.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€542k-€613k▲ 13.1%€760k▲ 23.9%€923k▲ 21.6%€871k▼ 5.6%
Operating result€142k-€213k▲ 49.8%€321k▲ 50.7%€316k▼ 1.6%€-9k
Net result€95k-€146k▲ 53.0%€227k▲ 55.2%€231k▲ 2.1%€51k▼ 78.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9k after €316k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €881k
Fixed assets
€13k ▼ 18.3%
Current assets
€868k ▼ 4.5%
Equity and liabilities €881k
Equity
€871k ▼ 5.6%
Debt
€10k ▲ 404%
Debt's share of the balance-sheet total rises from 0.2% to 1.1%. Equity is lower and debt is higher.
Key figures and ratios
ROE
5.8%▼
2024 · 25.0%
ROA
5.8%▼
2024 · 25.0%
Debt ≤ 1 year
€10k▲
2024 · €2k
Income taxes
€5k▼
2024 · €105k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€925k€881k▼
Fixed assets21/28€16k€13k▼
Tangible fixed assets22/27€16k€13k▼
Furniture and vehicles24-€963
Other tangible fixed assets26€16k€12k▼
Current assets29/58€910k€868k▼
Amounts receivable within one year40/41€151k€26k▼
Other amounts receivable41€151k€26k▼
Current investments50/53€701k€695k▼
Cash at bank and in hand54/58€58k€147k▲
Equity and liabilities
Total equity and liabilities10/49€925k€881k▼
Equity10/15€923k€871k▼
Contributions10/11€20k€20k=
Reserves13€903k€851k▼
Distributable reserves133€903k€851k▼
Amounts payable17/49€2k€10k▲
Amounts payable within one year42/48€2k€10k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45-€8k
Taxes450/3-€8k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€118€120▲
Gross operating margin9900€320k€-5k▼
Operating profit (loss)9901€316k€-9k▼
Financial income75/76B€21k€66k▲
Recurring financial income75€21k€66k▲
Financial charges65/66B€419€245▼
Recurring financial charges65€419€245▼
Profit (loss) for the period before taxes9903€336k€56k▼
Income taxes67/77€105k€5k▼
Profit (loss) for the period9904€231k€51k▼
Profit (loss) for the period to be appropriated9905€231k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€231k€51k▼
Transfer from equity791/2€67k€103k▲
Transfer to equity691/2€231k€51k▼
To other reserves6921€231k€51k▼
Profit to be distributed694/7€67k€103k▲
Return on contributions (dividend)694€67k€103k▲
The notes to these accounts (5 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €51k ▼78%
Net result drops to €51k, the lowest in the series.
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €231k ▲2.1%
Net result €231k, the highest in the series.
31-12
Financial
Liquidity times 50current ratio 475.91
Current ratio from 9.53 to 475.91; short-term debt falls from €87k to €2k.
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €500kEq €552k ▲22.6%
3 profitable years in a row build equity to €552k.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Show earlier events
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2012
30-04
State Gazette act
General meeting · Capital increase
Capital · Legal-form conversion
Financial milestoneState Gazette actNBB 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, Kapellen · 1 establishment unit since 2011
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.
Sneppendreef 132950 KapellenGround area
5,962 m²
Building footprint
344 m²
Volume, LiDAR
2,274 m³
Parcel 11023I0180/00M040, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GUINEE
since 20112.204.048.648
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11023I0180/00M040 | Flanders | 5,961 m² | 1 · 344 m² | 11.0 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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
Similar companies · same sector, comparable size
MANAGEMENT A. MEYERS
BE 0877.900.181
Landen · Eq €871,496
SOS RETAIL
BE 0700.336.337
Nazareth-De Pinte · Eq €871,848
District01
BE 0479.639.957
Kontich · Eq €871,906
MANAR
BE 0736.510.706
Deinze · Eq €872,264
TONY JOSSA CONSULTING
BE 0899.481.196
Sint-Truiden · Eq €872,542
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 12,998 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
Founded27-10-2011
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.