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ABO AUTOMOBILE

Active
Private limited companyfounded 2014active for 12 yearsBroekstraat 114, 1082 Sint-Agatha-Berchem, Belgium36 active companies are registered at this addressKBO/BCE: BE 0547.772.460
Summary

The computed 12-month bankruptcy probability of ABO AUTOMOBILE is 3.9% (moderate). The 2024 annual accounts show equity of €117,295 and a net result of €16,831. Equity is growing by about 23% per year across the filed financial years. Its solvency ranks better than 23% of 6,488 sector peers (NACE 47, financial year 2024). The company has been active since 2014 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811
2 sites
Size
€1.0mtotal assets 2024
Staff
1 FTE
Equity
€117,295
Profit
€16,831
Financial health
48 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
3.9%
Structure
Accounts 80 days overdue2 of 5 deeds read
Why 48raises riskFigures for financial year 2024 (filed 20-09-2025)1 financial year not filed after the legal deadline; latest accounts 51 days late; 3 of the last 3 latelowers riskSize: 1 FTE, total assets €1.0mFounded in 2014Show the evidence

Checked score

Score 2024
48 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 35% of its sector peers (NACE 47, micro)
Financial strength · tick = 2023
Weak
Solvency 37=
equity 11.5% of total assets
Liquidity 4+2
short-term debt 88.5% · cash 2.0%
Profitability 71-7
return on assets 1.7%
Bankruptcy probability, 12 months
3.9% Moderate
0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,224 companies, NACE 47, micro)
Last 24 months 11-2024: 3.7% 12-2024: 4.5%▲ +0.8 percentage points vs 11-2024 01-2025: 6.4%▲ +1.9 percentage points vs 12-2024highest value 02-2025: 4.6%▼ -1.8 percentage points vs 01-2025 03-2025: 4.6%● unchanged vs 02-2025 04-2025: 4.5%▼ -0.1 percentage points vs 03-2025 05-2025: 4.5%● unchanged vs 04-2025 06-2025: 4.4%▼ -0.1 percentage points vs 05-2025 07-2025: 4.3%▼ -0.1 percentage points vs 06-2025 08-2025: 5.0%▲ +0.7 percentage points vs 07-2025 09-2025: 5.6%▲ +0.6 percentage points vs 08-2025 10-2025: 1.5%▼ -4.1 percentage points vs 09-2025 11-2025: 1.5%● unchanged vs 10-2025 12-2025: 1.3%▼ -0.2 percentage points vs 11-2025 01-2026: 1.3%● unchanged vs 12-2025 02-2026: 1.3%● unchanged vs 01-2026 03-2026: 1.3%● unchanged vs 02-2026lowest value 04-2026: 1.3%● unchanged vs 03-2026 05-2026: 1.5%▲ +0.2 percentage points vs 04-2026 06-2026: 1.7%▲ +0.2 percentage points vs 05-2026 07-2026: 1.8%▲ +0.1 percentage points vs 06-2026 08-2026: 2.5%▲ +0.7 percentage points vs 07-2026 09-2026: 2.8%▲ +0.3 percentage points vs 08-2026 10-2026: 3.9%▲ +1.1 percentage points vs 09-2026
Credit of up to €5,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity tight (current ratio 1.1, compared with 1.07 in 2023, below the usual 1.5; short-term debt: 88.5% and cash: 2% of total assets), and 88.5% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 28% on solvency, 6% on liquidity, 53% on profitability and 54% on growth.

The bankruptcy probability was computed on 18-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Seven signals.
lowers riskraises riskneutral
raises risk · Figures for financial year 2024 (filed 20-09-2025)
NBB · annual accounts
lowers risk · Size: 1 FTE, total assets €1.0m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · 1 financial year not filed after the legal deadline; latest accounts 51 days late; 3 of the last 3 late
NBB · filings
lowers risk · Founded in 2014
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 6488 sector peers (2024).
NBB · sector comparison
Position among 6488 sector peers
Solvency
better than 23%
← weakest strongest →
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 80 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline19-10-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-09-2025, 51 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
not filed
2024
51 days late
2023
171 days late
2022
101 days late
2021
147 days late
2020
107 days late
2019
124 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 117 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. MiscellaneousRegistered-office move · Director in…
  2. Appointment: OVAKIMYAN Spartak (director)Gazette deed
  3. Annual accounts filedfinancial year 2024 · full…

Key points

  • Caution: Accounts not fileddeadline was 31-07-2026 80 days late View
  • Positive: 7 profitable years in a rowprofit 2024: €16,831 7 years View
  • One director decidessole director in office 1 View

By topic

Financials

Financial year
2024
Total assets
€1.0m
Profit
€16,831
Solvency
11.5%
Total assets▲ 12.7%
Net result
20182024
Go to Financials

Timeline

Events
15
Since
2015
  1. 18-01-2025Annual accounts filed
  2. 31-12-2023Highest result from 2018 to 2024
  3. 31-12-2023Equity above €100,000
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Retail sale of cars and light vans (up…NACE 47811
Founded
07-03-2014
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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