Active BE 0761.930.743Private limited company

A.B CAR

Rue Notre-Dame(BIN) 16 ·7130 Binche, Belgium· 5 yrs active

Sector: Retail trade (47811)

Conclusion Checked

The file of A.B CAR contains 2 historical bankruptcy publications, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is 7.1% (elevated). The 2022 annual accounts show negative equity (€-17k) and a net result of €-11k. Its solvency ranks better than 5% of 721 sector peers (fiscal year 2022).

Based on the State Gazette, CBE and 1 annual account.

Key figures

Equity	€-17k
Net result	€-11k
Better than sector	5%
Active	5 yrs

Snowflake analysis 5 axes · computed by Checked

44 / 100

Fragile profile, watch health in particular.

Health 20

Profitability 50

Solvency 34

Growth 50

Stability 64

Bankruptcy probability (12 mo) Checked model v1 · free

7.1% Elevated

0%0,5%1,5%4%10%≥25%

Annual accounts: weaker financial profile +Young company +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

20 / 100

Moderate risk

Components

· 2 historical bankruptcy publications (+20)

Trust signals 1 signals

Prior bankruptcy

Earlier bankruptcy on record in the Belgian State Gazette, no current open procedure.

Administrative Flags 0 events

No administrative flags

Health barometer FY 2022 · computed

20 / 100 Critical

050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Financial overview1 NBB filings

Annual accounts filed on 09-12-2023 with the NBB · fiscal year 2022 · volledig

Sector comparison

Fiscal year 2022 · NACE 47, Retail trade · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	-68.9%	20.4%	better than 5% of 721 sector peers
Net result	€-11k	€10k	better than 28% of 718 sector peers
Equity	€-17k	€84k	better than 15% of 722 sector peers
Gross operating margin	€-6k	€152k	better than 8% of 636 sector peers
Total assets	€24k	€609k	better than 7% of 722 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Highlight YoY changes (±10%)

Fiscal year	2022
Revenue	€105k
EBITDA	-
Net profit	€-11k
Cash flow	-
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€24k
Equity	€-17k
Debt	€41k
of which ≤ 1y	€40k
of which > 1y	€691
Working capital	€-19k
Employees (FTE)	-

Ratios (computed)

	2022
Current ratio	0.52
Quick ratio	0.30
Working capital ratio	-80.3%
Solvency	-68.9%
Debt / equity	-2.45
Long-term debt ratio	-0.04
Interest coverage	-
Gross margin	-9.8%
Net margin	-10.3%
ROA	-44.6%
ROE	64.7%
EBITDA margin	-
Days sales outstanding	6d
Days payable outstanding	25d
Inventory turnover	13.38
Days inventory (DSI)	27d

Balance-sheet composition 2022

Assets

Fixed assets €3k · 14.2% Current assets €21k · 85.8%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2022
Balance sheet, Assets
TOTAL ASSETS	20/58	€24k
Fixed assets	21/28	€3k
Financial fixed assets	28	€3k
Current assets	29/58	€21k
Stocks & contracts in progress	3	€9k
Amounts receivable within one year	40/41	€2k
Cash & bank	54/58	€11k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€24k
Equity	10/15	€-17k
Accumulated profits (losses)	14	€-17k
Amounts payable	17/49	€41k
Amounts payable after one year	17	€691
Amounts payable within one year	42/48	€40k
Trade debts payable within one year	44	€8k
Income statement
Turnover	70	€105k
Gross operating margin	9900	€-6k
Operating result	9901	€-10k
Financial charges	65	€550
Result before taxes	9903	€-11k
Net result for the period	9904	€-11k
Result to be appropriated	9905	€-11k

Ratios computed by Checked.

Directors & mandates1 person

Role	Name	Tenure	Source
Curator	STEPHANE GUCHEZ RUE DU PARC 49, 6000 CHAR- LEROI- . Date provisoire de cessation de paiement : 22/01/2024	22-01-2024 → present	Belgian State Gazette

Legal Structure

NACE primary	Retail trade(47811)
Legal form	Private limited company(610)
Incorporation	22-01-2021
Status	Active
Postal code	7130
First BS signal	31-01-2024
Latest BS signal	29-03-2024

Company structure, linked entities1 linked entities

Mandates

Establishment units 1 location

A.B CAR

Rue Notre-Dame(BIN) 16, 7130 BincheGroothandel in auto's en lichte bestelwagens (= 3,5 ton)

since 20212.313.851.757

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
56011B0274/00_000	Wallonia	45 m²	1 · 38 m²	13.2 m · 4 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 4 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2024

05-08-2024

State Gazette act Capital & shares

29-03-2024

Bankruptcy Bankruptcy reversal

Tribunal de l’entreprise du Hainaut, division Charleroi · A.B CAR (SRL) RUE PAUL JANSON(ST) 108, 6182 SOUVRET. déclarée le 22 janvier 2024 · event 25-03-2024

31-01-2024

Bankruptcy Opening

Tribunal de l’entreprise du Hainaut, division Charleroi · A.B CAR (SRL) RUE PAUL JANSON(ST) 108, 6182 SOUVRET · event 22-01-2024

2023

09-12-2023

NBB filing Annual accounts filed

fiscal year 2022 · volledig

Lifecycle & Insolvency Signals 2 events

29-03-2024

Bankruptcy Bankruptcy reversal

Date: 25-03-2024 · Tribunal de l’entreprise du Hainaut, division Charleroi · A.B CAR (SRL) RUE PAUL JANSON(ST) 108, 6182 SOUVRET. déclarée le 22 janvier 2024 · Publications in State Gazette ↗

31-01-2024

Bankruptcy Opening

Date: 22-01-2024 · Tribunal de l’entreprise du Hainaut, division Charleroi · A.B CAR (SRL) RUE PAUL JANSON(ST) 108, 6182 SOUVRET · Publications in State Gazette ↗

Time machine, BS events + macro context 2021, 2026

Macro context

2020-Q2/Q3 COVID lockdown

2022 energy crisis

2023-2024 ECB rate hikes

Legend

Bankruptcy

Interim / reorg

KBO event

Belgisch Staatsblad, acts 1 acts

Capital history · 1

05-08-2024

Capital change

All acts · 1 updated 2 years ago

2024

05-08-2024 All shares are now held by a single shareholder Capital & shares

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

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Company registry (CBE) Crossroads Bank

Activities

Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)45113Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811

Primary activity highlighted.

Names & trade names

Legal nameFR

A.B CAR

Registered office

Rue Notre-Dame(BIN) 16

7130 Binche, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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