A&C AUTOMOBILE

Active

Private limited companyfounded 20205 yrs activeAvenue de l'Union 25A, 4432 Ans, BelgiumKBO/BCE: BE 0755.907.142

The computed 12-month bankruptcy probability of A&C AUTOMOBILE is 2.2% (moderate). The 2024 annual accounts show equity of €28k and a net result of €7k. Equity is shrinking by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 36% of 26048 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

53 / 100

Fair

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

Axes · tick = 2023

Profitability74▲+42

Solvency42▼-5

Growth29=

Track record94

Bankruptcy probability, 12 months

2.2% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days only on tighter terms

Liquidity tight (current ratio 1.15 against 1.23 in 2023; short-term debt: 83.1% and cash: 29.6% of total assets), and 83.1% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

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 2024

Solvency, return and age of the figures

Solvency

16.9%

Return on assets

4.3%

Age of the figures

21 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Growing equity

Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.

NBB · annual accounts 2024

Equity per financial year

21222324

2021 to 2024 · latest year €28k

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-10-2025, 91 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 4 filings

Deviation from the deadline

2025

not confirmed

2024

91 d late

2023

30 d late

2022

17 d late

2021

25 d late

← before the deadline after the 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 2024, micro schema

Turnover

€659k▼ 0.2%

2022 · €660k

2021: €704k 2022: €660k

2021 → 2023

EBIT margin

0.0%▲ 3.7pp

2022 · -3.7%

2021: 4.7% 2022: -3.7%

2021 → 2023

Net result

€7k

2023 · €-1k

2021: €27k 2022: €-25k 2023: €-1k

2021 → 2024

Working capital

€21k▲ 22.7%

2023 · €17k

2021: €45k 2022: €18k 2023: €17k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Turnover€704k-€660k▼ 6.3%€659k▼ 0.2%

Equity€47k-€22k▼ 53.0%€21k▼ 6.1%€28k▲ 33.9%

Operating result€33k-€-25k€-169▲ 99.3%€8k

Net result€27k-€-25k€-1k▲ 94.6%€7k

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

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2024: €8k after a loss of €169 in 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €166k

95.9%

Fixed assets €7k▲ 87.1%

Current assets €159k▲ 70.9%

Equity and liabilities €166k

16.9%

83.1%

Equity €28k▲ 33.9%

Debt €138k▲ 81.8%

The debt ratio rises from 78.4% to 83.1%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€9k▲

2023 · €2k

Cash flow

€8k▲

2023 · €407

Solvency

16.9%▼

2023 · 21.6%

Current ratio

1.15▼

2023 · 1.23

Quick ratio

0.56▲

2023 · 0.49

Debt / equity

4.93▲

2023 · 3.63

ROE

25.3%▲

2023 · -6.5%

ROA

4.3%▲

2023 · -1.4%

Interest coverage

7.58▲

2023 · 2.54

Debt

€138k▲

2023 · €76k

Debt ≤ 1 year

€138k▲

2023 · €76k

Income taxes

€207▼

2023 · €559

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€97k€166k▲

Fixed assets21/28€4k€7k▲

Tangible fixed assets22/27€2k€2k▲

Plant, machinery and equipment23€0€0=

Furniture and vehicles24€2k€2k▲

Financial fixed assets28€2k€5k▲

Current assets29/58€93k€159k▲

Stocks and contracts in progress3€56k€81k▲

Stocks30/36€56k€81k▲

Amounts receivable within one year40/41€21k€29k▲

Trade receivables40€9k€20k▲

Other amounts receivable41€12k€9k▼

Cash at bank and in hand54/58€15k€49k▲

Deferred charges and accrued income490/1€876€0▼

Equity and liabilities

Total equity and liabilities10/49€97k€166k▲

Equity10/15€21k€28k▲

Contributions10/11€20k€20k=

Profit (loss) carried forward14€878€8k▲

Amounts payable17/49€76k€138k▲

Amounts payable within one year42/48€76k€138k▲

Trade debts44€14k€51k▲

Suppliers440/4€14k€51k▲

Taxes, remuneration and social security45€3k€5k▲

Taxes450/3€1k€5k▲

Remuneration and social security454/9€1k€537▼

Other amounts payable47/48€60k€82k▲

Income statement Code20232024

Turnover70€659k-

Goods, raw materials, services and sundry goods60/61€659k-

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€713▼

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€0

Other operating charges640/8€1k€241▼

Gross operating margin9900€3k€9k▲

Operating profit (loss)9901€-169€8k▲

Financial income75/76B€2€13▲

Recurring financial income75€2€13▲

Financial charges65/66B€626€1k▲

Recurring financial charges65€626€1k▲

Profit (loss) for the period before taxes9903€-793€7k▲

Income taxes67/77€559€207▼

Profit (loss) for the period9904€-1k€7k▲

Profit (loss) for the period to be appropriated9905€-1k€7k▲

Appropriation of the result

Profit (loss) to be appropriated9906€878€8k▲

Profit (loss) brought forward from the previous period14P€2k€878▼

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 2Filings 4

2025

30-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 91 days late

2024

31-12

Financial Back to profitnet €7k

Net result €7k after 2 loss-making years.

30-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 30 days late

2023

17-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 17 days late

2022

31-12

Financial Weakest financial yearnet €-25k ▼192%

Net result drops to €-25k, the lowest in the series; recovery starts the following year.

25-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 25 days late

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, Ans · 1 establishment unit since 2020

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.

Avenue de l'Union 25A4432 Ans

Ground area

7,445 m²

Building footprint

348 m²

Volume, LiDAR

1,464 m³

Parcel 62001B0453/02Y000, Wallonia · tallest building 6.5 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

A&C AUTOMOBILE

NACE 45113

since 20202.308.863.977

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62001B0453/02Y000	Wallonia	7,445 m²	1 · 348 m²	6.5 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

Roadworx Classic Car Services

BE 0892.736.728

Antwerpen · Eq €28k

EUROPEAN 4 X 4 CENTRUM LOCATION

Of 10,674 companies in sector 47811 we hold annual accounts for 5,223. 2,932 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded08-10-2020

Fiscal year end31-12

Activities, NACEBEL

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

Sources

Crossroads Bank for EnterprisesNational Bank · 4 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.