GUANTIMA
ActiveGUANTIMA has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €332k and a net result of €84k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 58% of 16932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth58▼-20
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.0 against 3.75 in 2024), and 33% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
67%
Return on assets
17%
Age of the figures
8 mo
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
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 22-04-2026, 100 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
100 d early
2024
15 d early
2023
40 d early
2022
111 d early
2021
83 d early
2020
61 d early
2019
81 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€332k▼ 16.8%
2024 · €399k
2018: €361k
2019: €361k
2020: €339k
2021: €419k
2022: €355k
2023: €368k
2024: €399k
2018 → 2025
Total assets
€496k▲ 3.6%
2024 · €479k
2018: €366k
2019: €366k
2020: €416k
2021: €430k
2022: €366k
2023: €438k
2024: €479k
2018 → 2025
Net result
€84k▼ 13.3%
2024 · €97k
2018: €36k
2019: €66k
2020: €72k
2021: €80k
2022: €66k
2023: €70k
2024: €97k
2018 → 2025
Working capital
€163k▼ 25.7%
2024 · €220k
2018: €325k
2019: €329k
2020: €338k
2021: €417k
2022: €354k
2023: €365k
2024: €220k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€419k-€355k▼ 15.3%€368k▲ 3.8%€399k▲ 8.5%€332k▼ 16.8%
Operating result€108k-€88k▼ 18.1%€91k▲ 3.9%€129k▲ 41.1%€113k▼ 12.4%
Net result€80k-€66k▼ 17.3%€70k▲ 5.8%€97k▲ 39.4%€84k▼ 13.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €496k
Fixed assets
€169k▼ 5.9%
Current assets
€327k▲ 9.2%
Equity and liabilities €496k
Equity
€332k▼ 16.8%
Debt
€164k▲ 105%
The debt ratio rises from 16.7% to 33.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€121k▼
2024 · €135k
Cash flow
€92k▼
2024 · €103k
Solvency
67.0%▼
2024 · 83.3%
Current ratio
2.00▼
2024 · 3.75
Quick ratio
2.00▼
2024 · 3.75
Debt / equity
0.49▲
2024 · 0.20
ROE
25.4%▲
2024 · 24.4%
ROA
17.0%▼
2024 · 20.3%
Interest coverage
1505.34▼
2024 · 2013.70
Debt
€164k▲
2024 · €80k
Debt ≤ 1 year
€164k▲
2024 · €80k
Income taxes
€34k▼
2024 · €40k
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€479k€496k▲
Fixed assets21/28€179k€169k▼
Tangible fixed assets22/27€30k€22k▼
Furniture and vehicles24€29k€21k▼
Other tangible fixed assets26€975€835▼
Financial fixed assets28€150k€147k▼
Current assets29/58€300k€327k▲
Amounts receivable within one year40/41€18k€44k▲
Trade receivables40€17k€36k▲
Other amounts receivable41€1k€8k▲
Current investments50/53€175k€250k▲
Cash at bank and in hand54/58€105k€32k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€479k€496k▲
Equity10/15€399k€332k▼
Contributions10/11€12k€12k=
Reserves13€387k€320k▼
Distributable reserves133€387k€320k▼
Amounts payable17/49€80k€164k▲
Amounts payable within one year42/48€80k€164k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€12k€10k▼
Taxes450/3€12k€10k▼
Other amounts payable47/48€67k€152k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€138k€122k▼
Operating profit (loss)9901€129k€113k▼
Financial income75/76B€8k€5k▼
Recurring financial income75€8k€5k▼
Financial charges65/66B€67€80▲
Recurring financial charges65€67€80▲
Profit (loss) for the period before taxes9903€137k€118k▼
Income taxes67/77€40k€34k▼
Profit (loss) for the period9904€97k€84k▼
Profit (loss) for the period to be appropriated9905€97k€84k▼
Appropriation of the result
Profit (loss) to be appropriated9906€97k€84k▼
Transfer from equity791/2€66k€151k▲
Transfer to equity691/2€97k€84k▼
To other reserves6921€97k€84k▼
Profit to be distributed694/7€66k€151k▲
Return on contributions (dividend)694€66k€151k▲
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
22-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €97k ▲39.4%
Operating result €129k, net result €97k, both a record.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity times 7current ratio 37.10
Current ratio from 5.38 to 37.10; short-term debt falls from €77k to €12k.
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
11-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Oostende · 1 establishment unit since 2010
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.
Vlaanderenstraat 788400 OostendeGround area
258 m²
Building footprint
220 m²
Volume, LiDAR
5,489 m³
Parcel 35013A1596/00K035, Flanders · tallest building 36.1 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Guantima
since 20102.185.302.904
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35013A1596/00K035 | Flanders | 258 m² | 1 · 220 m² | 36.1 m · 8 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 795 EUR awarded · 795 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 795 EUR | 795 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,884 companies in sector 62200 we hold annual accounts for 18,321. 13,399 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-01-2010
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.