Guilliams Jo
ActiveGuilliams Jo has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €178k and a net result of €10k. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 42% of 7719 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+47
Solvency63▲+6
Growth32=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.39 against 1.23 in 2024; short-term debt: 43.2% and cash: 4.1% of total assets), and 62.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
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
37.7%
Return on assets
2.2%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
17 d early
2023
8 d early
2022
13 d early
2021
31 d late
2020
30 d late
2019
2 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€178k▲ 6.3%
2024 · €167k
2018: €198k
2019: €93k
2020: €127k
2021: €145k
2022: €192k
2023: €199k
2024: €167k
2018 → 2025
Total assets
€471k▼ 9.2%
2024 · €519k
2018: €730k
2019: €648k
2020: €564k
2021: €717k
2022: €738k
2023: €599k
2024: €519k
2018 → 2025
Net result
€10k
2024 · €-32k
2018: €25k
2019: €-104k
2020: €34k
2021: €18k
2022: €47k
2023: €7k
2024: €-32k
2018 → 2025
Working capital
€80k▲ 52.4%
2024 · €52k
2018: €113k
2019: €3k
2020: €33k
2021: €38k
2022: €83k
2023: €82k
2024: €52k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€145k-€192k▲ 32.7%€199k▲ 3.6%€167k▼ 16.1%€178k▲ 6.3%
Operating result€27k-€68k▲ 154%€22k▼ 67.8%€-26k€19k
Net result€18k-€47k▲ 165%€7k▼ 85.5%€-32k€10k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €19k after a loss of €26k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €471k
Fixed assets
€188k▼ 20.9%
Current assets
€283k▲ 0.6%
Equity and liabilities €471k
Equity
€178k▲ 6.3%
Debt
€293k▼ 16.6%
The debt ratio falls from 67.8% to 62.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€70k▲
2024 · €20k
Cash flow
€61k▲
2024 · €14k
Solvency
37.7%▲
2024 · 32.2%
Current ratio
1.39▲
2024 · 1.23
Quick ratio
1.00▲
2024 · 0.86
Debt / equity
1.65▼
2024 · 2.10
ROE
5.9%▲
2024 · -19.2%
ROA
2.2%▲
2024 · -6.2%
Interest coverage
9.86▲
2024 · 1.64
Debt
€293k▼
2024 · €352k
Debt ≤ 1 year
€203k▼
2024 · €229k
Debt > 1 year
€88k▼
2024 · €122k
Income taxes
€2k▲
2024 · €757
Staff costs
€111k▼
2024 · €243k
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€519k€471k▼
Fixed assets21/28€237k€188k▼
Tangible fixed assets22/27€237k€188k▼
Land and buildings22€145k€128k▼
Plant, machinery and equipment23€36k€25k▼
Furniture and vehicles24€56k€34k▼
Current assets29/58€281k€283k▲
Stocks and contracts in progress3€85k€80k▼
Stocks30/36€85k€80k▼
Amounts receivable within one year40/41€172k€171k▼
Trade receivables40€132k€96k▼
Other amounts receivable41€40k€76k▲
Cash at bank and in hand54/58€25k€20k▼
Deferred charges and accrued income490/1€0€13k▲
Equity and liabilities
Total equity and liabilities10/49€519k€471k▼
Equity10/15€167k€178k▲
Contributions10/11€19k€19k=
Reserves13€149k€159k▲
Tax-exempt reserves132€460€460=
Distributable reserves133€148k€159k▲
Amounts payable17/49€352k€293k▼
Amounts payable after more than one year17€122k€88k▼
Financial debts170/4€122k€88k▼
Amounts payable within one year42/48€229k€203k▼
Current portion of amounts payable after more than one year42€60k€35k▼
Financial debts43€65k€55k▼
Credit institutions430/8€65k€55k▼
Trade debts44€68k€67k▼
Suppliers440/4€68k€67k▼
Taxes, remuneration and social security45€15k€19k▲
Taxes450/3€2k€6▼
Remuneration and social security454/9€13k€19k▲
Other amounts payable47/48€20k€27k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Non-recurring operating income76A-€21k
Remuneration, social security and pensions62€243k€111k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€51k▲
Other operating charges640/8€4k€6k▲
Gross operating margin9900€267k€187k▼
Operating profit (loss)9901€-26k€19k▲
Financial income75/76B€7k€67▼
Recurring financial income75€7k€67▼
Financial charges65/66B€12k€7k▼
Recurring financial charges65€12k€7k▼
Profit (loss) for the period before taxes9903€-31k€12k▲
Income taxes67/77€757€2k▲
Profit (loss) for the period9904€-32k€10k▲
Profit (loss) for the period to be appropriated9905€-32k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-32k€10k▲
Transfer from equity791/2€32k€0▼
Transfer to equity691/2€0€10k▲
To other reserves6921€0€10k▲
Social balance
Average headcount (FTE)90873.41.9▼
The notes to these accounts (22 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €47k ▲165%
Operating result €68k, net result €47k, both a record.
31-12
Financial
Equity above €150kEq €192k ▲32.7%
3 profitable years in a row build equity to €192k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
31-12
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
31-12
Financial
Equity above €100kEq €127k ▲36.1%
Equity rises from €93k to €127k.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €-104k ▼520%
Net result drops to €-104k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
02-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 2 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, Gingelom · 2 establishment units since 2004
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.
Truierstraat 103891 GingelomGround area
2,909 m²
Building footprint
336 m²
Volume, LiDAR
1,617 m³
2 parcels, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Guilliams Jo
since 20042.137.863.271
Bredenakkerstraat 6, 3891 Gingelom
since 20122.214.136.549
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71039A0650/00V000 | Flanders | 1,522 m² | 1 · 187 m² | 8.9 m · 2 fl. |
| 71039A0690/00F000 | Flanders | 1,387 m² | 1 · 149 m² | 5.6 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 to 2025 · 4 entries · 1,356 EUR awarded · 1,355 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,000 EUR | 1,000 EUR |
| 2024 | 1 | 75 EUR | 115 EUR |
| 2023 | 1 | 41 EUR | 0 EUR |
| 2022 | 1 | 240 EUR | 240 EUR |
Schemes
Premie kwalificerend werkplekleren
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
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Of 22,821 companies in sector 43211 we hold annual accounts for 10,326. 8,424 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-06-2004
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
45310
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.