Checked.be
Active
BE 0747.822.983Private limited company
GUY JUNIOR CV
Zandstraat 8 ·2460 Kasterlee, Belgium· 6 yrs active
Sector: Plumbing work
(43221)
Conclusion
The computed 12-month bankruptcy probability of GUY JUNIOR CV is 3.1% (moderate). The 2025 annual accounts show negative equity (€-16k) and a net result of €-42k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 2906 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €-16k |
| Net result | €-42k |
| Better than sector | 5% |
| Active | 6 yrs |
Financial profile
55
/ 100
Mixed profile: strong on profitability, weaker on health.
All 5 axes are computed from data Checked has read.
Health
7
Profitability
100
Solvency
35
Growth
32
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
7
/ 100
Critical
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
No credit
negative equity or figures too weak
Score history
43
2022
43
2023
15
2024
7
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 0.59 (< 1.0)
-10
Quick ratio
Quick ratio 0.58 (< 0.6)
-5
Equity
Negative equity
-25
Profitability
ROE 258% (≥ 10%)
+10
Interest coverage
Interest coverage -11.2× (< 1.5×)
-10
Profit trend
Net profit down YoY
-3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 30-07-2026 with the NBB · fiscal year 2025 · micro schema
Sector comparison
Fiscal year 2025 · NACE 43, Specialised construction activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -9.3% | 43.3% | |
| Net result | €-42k | €13k | |
| Equity | €-16k | €44k | |
| Gross operating margin | €-22k | €39k | |
| Total assets | €173k | €115k |
€-24k
-
22-25
€-42k
-456.7%
22-25
€-20k
-
22-25
€173k
-30.9%
22-25
€-16k
-
22-25
€-70k
+55.5%
22-25
€235
-33.0%
22-25
€189k
-15.9%
22-25
€168k
-10.0%
22-25
€21k
-45.1%
22-25
0.59
+265.7%
22-25
0.58
+260.8%
22-25
-9.3%
-
22-25
-11.76
-
22-25
258.3%
-
22-25
-24.0%
-705.1%
22-25
-11.18
-
22-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Deposit | micro schema | abbreviated schema | abbreviated schema | abbreviated schema |
| Revenue | - | - | - | - |
| EBITDA | €-24k | €8k | €20k | €9k |
| Net profit | €-42k | €-7k | €5k | €10k |
| Cash flow | €-20k | €12k | €22k | €11k |
| Staff costs | - | - | - | - |
| Income taxes | €235 | €350 | €2k | €5k |
| Dividends | - | - | - | - |
| Total assets | €173k | €250k | €275k | €200k |
| Equity | €-16k | €25k | €33k | €28k |
| Debt | €189k | €225k | €242k | €172k |
| of which ≤ 1y | €168k | €187k | €188k | €172k |
| of which > 1y | €21k | €37k | €54k | - |
| Working capital | €-70k | €-157k | €-146k | €-145k |
| Employees (FTE) | - | - | - | - |
Note: these years are not on the same basis. The filed schemas differ (micro schema, abbreviated schema), so the columns are not directly comparable.
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 0.59 | 0.16 | 0.23 | 0.16 |
| Quick ratio | 0.58 | 0.16 | 0.23 | 0.16 |
| Working capital ratio | -40.4% | -62.9% | -53.0% | -72.4% |
| Solvency | -9.3% | 10.2% | 12.0% | 13.8% |
| Debt / equity | -11.76 | 8.83 | 7.35 | 6.26 |
| Long-term debt ratio | -1.28 | 1.47 | 1.63 | - |
| Interest coverage | -11.18 | 2.94 | 7.51 | 51.58 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | -24.0% | -3.0% | 2.0% | 5.1% |
| ROE | 258.3% | -29.3% | 16.4% | 36.9% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (25 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €173k | €250k | €275k | €200k |
| Fixed assets | 21/28 | €74k | €220k | €232k | €172k |
| Tangible fixed assets | 22/27 | €74k | €59k | €78k | €3k |
| Financial fixed assets | 28 | €0 | €161k | €154k | €170k |
| Current assets | 29/58 | €99k | €30k | €42k | €28k |
| Stocks & contracts in progress | 3 | €1k | - | - | - |
| Amounts receivable within one year | 40/41 | €18k | €9k | €9k | €11k |
| Cash & bank | 54/58 | €79k | €17k | €29k | €12k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €173k | €250k | €275k | €200k |
| Equity | 10/15 | €-16k | €25k | €33k | €28k |
| Contributions / capital | 10/11 | €1k | €1k | €1k | €1k |
| Reserves | 13 | €27k | €27k | €27k | €27k |
| Accumulated profits (losses) | 14 | €-44k | €-2k | €5k | - |
| Amounts payable | 17/49 | €189k | €225k | €242k | €172k |
| Amounts payable after one year | 17 | €21k | €37k | €54k | - |
| Amounts payable within one year | 42/48 | €168k | €187k | €188k | €172k |
| Trade debts payable within one year | 44 | €5k | €1k | €1k | €2k |
| Income statement | |||||
| Gross operating margin | 9900 | €-22k | €9k | €21k | €9k |
| Operating result | 9901 | €-45k | €-11k | €3k | €8k |
| Financial income | 75 | €6k | €7k | €7k | €7k |
| Financial charges | 65 | €2k | €3k | €3k | €177 |
| Result before taxes | 9903 | €-41k | €-7k | €8k | €15k |
| Income taxes | 67/77 | €235 | €350 | €2k | €5k |
| Net result for the period | 9904 | €-42k | €-7k | €5k | €10k |
| Result to be appropriated | 9905 | €-42k | €-7k | €5k | €10k |
Legal Structure
| NACE primary | Plumbing work(43221) |
| Legal form | Private limited company(610) |
| Incorporation | 03-06-2020 |
| Status | Active |
| Postal code | 2460 |
Establishment units
GUY JUNIOR CV
since 20202.303.388.130
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13018F0366/00V000 | Flanders | 1,008 m² | 1 · 141 m² | 6.9 m · 1 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
20-04
State Gazette act
Open capture
Act object · Notarial deed · Purpose change · Power of attorney · Ann SCHAEKEN
2025
31-12
Financial
Weakest financial yearnet €-42k
Net result drops to €-42k, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 26 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2020
05-06
State Gazette act
Incorporation
oprichting
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Belgisch Staatsblad, acts
All acts · 2
updated 4 months ago
2026
20-04-2026 Act object · Notarial deed · Purpose change · Power of attorney
- Publication: 2026-04-20 · GUY JUNIOR CV
- Filing: 2026-04-16 · GUY JUNIOR CV
- Act object: DOEL · GUY JUNIOR CV
- Notarial deed: 2026-04-07 · GUY JUNIOR CV
- Purpose change: new_purpose: De vennootschap heeft tot voorwerp, zowel in België als in het buitenland, voor eigen rekening, voor rekening van derden of in samenwerking met derden: • het uitvoeren van alle werken inzake sanitair, loodgieterij en centrale verwarming; • de installatie, herstelling, het onderhoud en de vervanging van sanitaire installaties, verwarmingsinstallaties, boilers, warmtepompen, radiatoren en leidingen; • de installatie en het onderhoud van gasinstallaties, waterleidingen en afvoersystemen; ventilatie-, klimaatregelings- en airconditioningsinstallaties; het opsporen van lekken, ontstoppen van leidingen en alle aanverwante herstellingswerken; de aankoop, verkoop, invoer, uitvoer en plaatsing van materialen en toestellen die verband houden met sanitair, verwarming en HVAC-installaties; renovatie- en verbouwingswerken die verband houden met bovenvermelde activiteiten. Voormelde opsomming is niet op beperkende wijze aangegeven. Op algemene wijze mag zij allerhande commerciële, industriële, financiële, roerende en onroerende verrichtingen uitvoeren, welke rechtstreeks of onrechtstreeks verband houden met haar voorwerp. De vennootschap mag op welke wijze ook betrokken zijn in zaken, ondernemingen of vennootschappen die hetzelfde, een soortgelijk, een gelijkaardig of samenhangend voorwerp hebben, dat van aard is de ontwikkeling van haar vennootschap te bevorderen, haar grondstoffen kan verschaffen of haar producten gemakkelijker kan verdelen. · GUY JUNIOR CV
- Power of attorney: scope: uitvoering van de genomen beslissingen omtrent de voorgaande agendapunten, granted_to: bestuursorgaan · GUY JUNIOR CV
- Power of attorney: scope: opmaken van een gecoördineerde tekst van statuten en tot neerlegging ervan op de griffie van de bevoegde ondernemingsrechtbank, granted_to: Ann SCHAEKEN · Ann SCHAEKEN
Summary:
Act object · Notarial deed · Purpose change · Power of attorneyNotary:
Ann SCHAEKEN
Technical details
{
"facts": [
{
"type": "publication",
"quote": "Bijlagen bij het Belgisch Staatsblad - 20/04/2026 - Annexes du Moniteur belge",
"value": "2026-04-20",
"object": null,
"subject": "e1"
},
{
"type": "filing",
"quote": "Neergelegd 16-04-2026",
"value": "2026-04-16",
"object": null,
"subject": "e1"
},
{
"type": "act_object",
"quote": "Onderwerp akte : DOEL",
"value": "DOEL",
"object": null,
"subject": "e1"
},
{
"type": "notarial_deed",
"quote": "Er blijkt uit een akte, verleden voor Meester Ann SCHAEKEN, notaris met standplaats te Herentals. op datum van 7 april 2026",
"value": "2026-04-07",
"object": "e2",
"subject": "e1"
},
{
"type": "purpose_change",
"quote": "om het voorwerp van de vennootschap volledig te wijzigen door schrapping van het huidig voorwerp en vervanging van het desbetreffend artikel van de statuten met volgende nieuwe tekst: De vennootschap heeft tot voorwerp...",
"value": {
"new_purpose": "De vennootschap heeft tot voorwerp, zowel in Belgi\u00EB als in het buitenland, voor eigen rekening, voor rekening van derden of in samenwerking met derden: \u2022 het uitvoeren van alle werken inzake sanitair, loodgieterij en centrale verwarming; \u2022 de installatie, herstelling, het onderhoud en de vervanging van sanitaire installaties, verwarmingsinstallaties, boilers, warmtepompen, radiatoren en leidingen; \u2022 de installatie en het onderhoud van gasinstallaties, waterleidingen en afvoersystemen; ventilatie-, klimaatregelings- en airconditioningsinstallaties; het opsporen van lekken, ontstoppen van leidingen en alle aanverwante herstellingswerken; de aankoop, verkoop, invoer, uitvoer en plaatsing van materialen en toestellen die verband houden met sanitair, verwarming en HVAC-installaties; renovatie- en verbouwingswerken die verband houden met bovenvermelde activiteiten. Voormelde opsomming is niet op beperkende wijze aangegeven. Op algemene wijze mag zij allerhande commerci\u00EBle, industri\u00EBle, financi\u00EBle, roerende en onroerende verrichtingen uitvoeren, welke rechtstreeks of onrechtstreeks verband houden met haar voorwerp. De vennootschap mag op welke wijze ook betrokken zijn in zaken, ondernemingen of vennootschappen die hetzelfde, een soortgelijk, een gelijkaardig of samenhangend voorwerp hebben, dat van aard is de ontwikkeling van haar vennootschap te bevorderen, haar grondstoffen kan verschaffen of haar producten gemakkelijker kan verdelen."
},
"object": null,
"subject": "e1"
},
{
"type": "power_of_attorney",
"quote": "alle machten werd verleend aan het bestuursorgaan voor de uitvoering van de genomen beslissingen omtrent de voorgaande agendapunten",
"value": {
"scope": "uitvoering van de genomen beslissingen omtrent de voorgaande agendapunten",
"granted_to": "bestuursorgaan"
},
"object": null,
"subject": "e1"
},
{
"type": "power_of_attorney",
"quote": "en aan ondergetekende notaris voor het opmaken van een geco\u00F6rdineerde tekst van statuten en tot neerlegging ervan op de griffie van de bevoegde ondernemingsrechtbank.",
"value": {
"scope": "opmaken van een geco\u00F6rdineerde tekst van statuten en tot neerlegging ervan op de griffie van de bevoegde ondernemingsrechtbank",
"granted_to": "Ann SCHAEKEN"
},
"object": "e1",
"subject": "e2"
}
],
"act_meta": {
"model_id": 40,
"extractor": "open-capture-27b-v3",
"ocr_chars": 3412,
"truncated": false,
"needs_verify": true
},
"entities": [
{
"id": "e1",
"kbo": "0747.822.983",
"kind": "company",
"name": "GUY JUNIOR CV",
"attrs": {
"vat": "BE0747822983",
"seat": "Zandstraat 8, 2460 Kasterlee",
"legal_form": "Besloten Vennootschap"
}
},
{
"id": "e2",
"kbo": null,
"kind": "person",
"name": "Ann SCHAEKEN",
"attrs": {
"role": "notaris",
"location": "Herentals"
}
}
]
}2020
05-06-2020 Incorporation of a new BV
Summary:
oprichting
Technical details
{
"kind": "oprichting",
"seat": "2460 Kasterlee, Zandstraat 8",
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"founders": [
{
"org": null,
"kind": "natural_person",
"person": {
"dob": "1978-06-27",
"name": "VAN HEMELEN Guy",
"niss": null,
"address": "2460 Kasterlee, Zandstraat 8"
},
"share_class": "A",
"partner_role": null,
"holder_org_kbo": null,
"holder_org_name": null,
"contribution_type": "cash",
"amount_paid_in_eur": 1000,
"holder_person_name": "VAN HEMELEN Guy",
"is_subscriber_only": false,
"n_shares_subscribed": 100,
"amount_subscribed_eur": 1000,
"is_anonymous_silent_partner": false
}
],
"capital_eur": 1000,
"subject_company": {
"kbo": "0747.822.983",
"name_full": "GUY JUNIOR CV",
"legal_form": "BV"
},
"initial_directors": [],
"incorporation_date": "2020-06-02",
"post_incorporation_mandates": []
}Credit advice
Company registry (CBE)
Activities
Plumbing work43221Holdings64200Activities of holding companies64210Installation of electric heating, air conditioning, cooling and ventilation43222Other specialised construction activities43990Wholesale trade46647Wholesale trade46842Other business support services82990
Names & trade names
| Legal nameNL | GUY JUNIOR CV |
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