GUST & LEONIE

Active

Private limited companyfounded 201313 yrs activeKerkstraat 121, 2870 Puurs-Sint-Amands, BelgiumKBO/BCE: BE 0536.662.891

Summary

GUST & LEONIE has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-95k) and a net result of €-9k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

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Checked score

Score 2025

26 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability10▼-54

Solvency0=

Growth24=

Track record100

Bankruptcy probability, 12 months

1.2% Low

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.57 against 0.64 in 2024; short-term debt: 173.9% and cash: 0.4% of total assets), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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 2025

Solvency, return and age of the figures

Solvency

-73.9%

Return on assets

-6.7%

Age of the figures

9 mo

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Negative equity

The 2025 annual accounts show negative equity and a net loss.

NBB · annual accounts 2025

Equity per financial year

1819202122232425

2018 to 2025 · latest year €-95k

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-09-2026, 49 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 filings

Deviation from the deadline

2025

49 d late

2024

50 d late

2023

71 d late

2022

92 d late

2021

18 d early

2020

9 d early

2019

17 d late

← before the deadline after the deadline →

Checked, nothing found (2)

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 months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Turnover

€1.63M▲ 19.5%

2020 · €1.37M

2018: €2.06M 2019: €1.55M 2020: €1.37M

2018 → 2021

EBIT margin

-5.6%▼ 5.8pp

2020 · 0.1%

2018: 1.4% 2019: 2.2% 2020: 0.1%

2018 → 2021

Net result

€-9k

2024 · €6k

2018: €6k 2019: €8k 2020: €-11k 2021: €-109k 2022: €-50k 2023: €3k 2024: €6k

2018 → 2025

Working capital

€-95k▼ 8.1%

2024 · €-88k

2018: €14k 2019: €40k 2020: €26k 2021: €-84k 2022: €-128k 2023: €-96k 2024: €-88k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Turnover€1.63M-

Equity€-46k-€-95k▼ 109%€-92k▲ 3.1%€-87k▲ 6.1%€-95k▼ 10.0%

Operating result€-92k-€-6k▲ 93.5%€-106k▼ 1,661%€8k€-8k

Net result€-109k-€-50k▲ 54.2%€3k€6k▲ 88.2%€-9k

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €8k after €8k in 2024.

Key figures and ratios

2025 value · change against 2024

EBITDA

€-7k▼

2024 · €9k

Cash flow

€-7k▼

2024 · €7k

Solvency

-73.9%▼

2024 · -54.8%

Current ratio

0.57▼

2024 · 0.64

Quick ratio

0.00▼

2024 · 0.04

Debt to equity

-2.35▲

2024 · -2.83

ROA

-6.7%▼

2024 · 3.6%

Interest coverage

-32.32▼

2024 · 4.90

Debt

€225k▼

2024 · €245k

Debt ≤ 1 year

€225k▼

2024 · €245k

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 · 34 lines

Balance sheet Code20242025

Assets

Total assets20/58€158k€129k▼

Fixed assets21/28€2k-

Tangible fixed assets22/27€2k-

Plant, machinery and equipment23€2k-

Current assets29/58€157k€129k▼

Stocks and contracts in progress3€148k€129k▼

Stocks30/36€148k€129k▼

Amounts receivable within one year40/41€8k-

Other amounts receivable41€8k-

Cash at bank and in hand54/58€347€495▲

Equity and liabilities

Total equity and liabilities10/49€158k€129k▼

Equity10/15€-87k€-95k▼

Contributions10/11€6k€6k=

Reserves13€2k€2k=

Distributable reserves133€2k€2k=

Profit (loss) carried forward14€-95k€-103k▼

Amounts payable17/49€245k€225k▼

Amounts payable within one year42/48€245k€225k▼

Trade debts44€281€310▲

Suppliers440/4€281€310▲

Taxes, remuneration and social security45€35k€39k▲

Taxes450/3€35k€39k▲

Other amounts payable47/48€210k€186k▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼

Other operating charges640/8€1k€1k▼

Gross operating margin9900€10k€-6k▼

Operating profit (loss)9901€8k€-8k▼

Financial charges65/66B€2k€214▼

Recurring financial charges65€2k€214▼

Profit (loss) for the period before taxes9903€6k€-9k▼

Profit (loss) for the period9904€6k€-9k▼

Profit (loss) for the period to be appropriated9905€6k€-9k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-95k€-103k▼

Profit (loss) brought forward from the previous period14P€-100k€-95k▲

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 13Financial 3Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

18-09

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema · 49 days late

2025

19-09

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema · 50 days late

2024

10-10

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema · 71 days late

2023

31-12

Financial Back to profitnet €3k

Net result €3k after 3 loss-making years.

31-10

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema · 92 days late

2022

13-07

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

2021

31-12

Financial Weakest financial yearnet €-109k

Net result drops to €-109k, the lowest in the series; recovery starts the following year.

22-07

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema

2020

17-08

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema · 17 days late

2019

31-12

Financial Highest result since 2018net €8k ▲22.5%

Operating result €34k, net result €8k, both a record.

31-12

NBB filing Annual accounts filed

fiscal year 2018 · abbreviated schema · 153 days late

2018

10-12

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 132 days late

2017

31-08

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 31 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, Puurs-Sint-Amands · 1 establishment unit since 2013

establishment The establishment unit on the map

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.

Kerkstraat 1212870 Puurs-Sint-Amands

Ground area

407 m²

Building footprint

111 m²

Volume, LiDAR

497 m³

Parcel 12032B0009/00V000, Flanders · tallest building 8.9 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

Gust & Leonie

Kerkstraat 121, 2870 Puurs-Sint-AmandsRenting and leasing of cars and light motor vehicles

since 20132.221.172.316

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
12032B0009/00V000	Flanders	407 m²	1 · 111 m²	8.9 m · 1 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.

Similar companies · same sector, comparable size

Maldegem · Eq €47,881

Lessines · Eq €48,077

GARAGE BEAUFORT

BE 0437.300.348

Liège · Eq €48,137

Of 10,671 companies in sector 47811 we hold annual accounts for 5,222. 3,297 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

Founded08-07-2013

Fiscal year end31-12

Activities, NACEBEL 2025

47811Retail sale of cars and light vans (up to 3.5 tonnes)

47812Retail trade

95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)

49330On-demand passenger transport by chauffeured vehicle

77110Renting and leasing of cars and light motor vehicles

77210Renting and leasing of sports and recreation goods

Sources

Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.