ACCESS AUTO
ActiveSummary
The computed 12-month bankruptcy probability of ACCESS AUTO is 1.8% (moderate). The 2024 annual accounts show negative equity (€-956k) and a net result of €-268k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 6537 sector peers (fiscal year 2024). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.45 against 0.45 in 2023; short-term debt: 129.8% and cash: 6.8% of total assets), and equity is negative.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · 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 2024Solvency, return and age of the figures
Solvency
-301.6%
Return on assets
-84.5%
Age of the figures
21 mo
raises risk · 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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-956k
raises risk · 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 31-10-2025, 92 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
92 d late
2023
8 d late
2022
12 d early
2021
30 d late
2020
16 d late
2019
2 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Is this a good employer? Staff, turnover and training against the sector.Employer check
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-268k▲ 1.5%
2023 · €-272k
Working capital
€-228k▲ 1.0%
2023 · €-230k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€-236k€27k€-280k€-239k▲ 14.5%€-219k▲ 8.3%
Net result€-260k€13k€-204k€-272k▼ 33.2%€-268k▲ 1.5%
Equity€-202k€-193k▲ 4.5%€-416k▼ 116%€-688k▼ 65.3%€-956k▼ 38.9%
Total assets€1.50M▼ 19.7%€770k▼ 48.6%€641k▼ 16.7%€361k▼ 43.7%€317k▼ 12.1%
Debt€1.69M▼ 5.8%€952k▼ 43.6%€1.06M▲ 11.0%€1.05M▼ 0.8%€1.27M▲ 21.4%
Working capital€-347k▼ 86.1%€-404k▼ 16.4%€58k€-230k€-228k▲ 1.0%
Staff (FTE)6.7▲ 24.1%6.2▼ 7.5%5.2▼ 16.1%4.6▼ 11.5%5.6▲ 21.7%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €219k in 2024 against €239k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €313k
Fixed assets
€129k ▼ 21.7%
Current assets
€184k ▼ 2.1%
Key figures and ratios
EBITDA
€-177k▲
2023 · €-194k
Cash flow
€-226k▲
2023 · €-226k
Solvency
-301.6%▼
2023 · -190.9%
Current ratio
0.45▼
2023 · 0.45
Quick ratio
0.29▼
2023 · 0.35
Debt to equity
-1.33▲
2023 · -1.52
ROA
-84.5%▼
2023 · -75.4%
Interest coverage
-3.74▲
2023 · -5.93
Debt ≤ 1 year
€411k▼
2023 · €418k
Debt > 1 year
€823k▲
2023 · €611k
Income taxes
€1k▲
2023 · €684
Staff costs
€321k▲
2023 · €272k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €4k | €5k | - | - |
| Remuneration, social security and pensions62 | - | €298k | €276k | €272k | €321k | ▲ 18.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €107k | €57k | €54k | €46k | €42k | ▼ 7.5% |
| Other operating charges640/8 | - | €50k | €12k | €12k | €10k | ▼ 13.8% |
| Non-recurring operating charges66A | - | €257 | €257 | €17k | €131 | ▼ 99.2% |
| Gross operating margin9900 | €190k | €431k | €63k | €107k | €154k | ▲ 44.8% |
| Operating profit (loss)9901 | €-236k | €27k | €-280k | €-239k | €-219k | ▲ 8.3% |
| Financial income75/76B | - | €20k | €109k | €765 | €119 | ▼ 84.4% |
| Recurring financial income75 | €6k | €20k | €32k | €765 | €119 | ▼ 84.4% |
| Non-recurring financial income76B | - | - | €77k | - | - | - |
| Financial charges65/66B | - | €34k | €33k | €33k | €47k | ▲ 45.3% |
| Recurring financial charges65 | €29k | €33k | €33k | €33k | €47k | ▲ 45.3% |
| Non-recurring financial charges66B | - | €920 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €-260k | €12k | €-204k | €-271k | €-267k | ▲ 1.7% |
| Transfer from deferred taxes780 | - | €2k | - | - | - | - |
| Income taxes67/77 | €401 | €905 | €356 | €684 | €1k | ▲ 46.3% |
| Profit (loss) for the period9904 | €-260k | €13k | €-204k | €-272k | €-268k | ▲ 1.5% |
| Profit (loss) for the period to be appropriated9905 | €-258k | €13k | €-204k | €-272k | €-268k | ▲ 1.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.50M | €770k | €641k | €361k | €317k | ▼ 12.1% |
| Formation expenses20 | €24k | €23k | €12k | €8k | €4k | ▼ 48.6% |
| Fixed assets21/28 | €890k | €333k | €205k | €165k | €129k | ▼ 21.7% |
| Intangible fixed assets21 | - | - | €288 | - | - | - |
| Tangible fixed assets22/27 | €798k | €259k | €205k | €165k | €129k | ▼ 21.7% |
| Plant, machinery and equipment23 | - | €211k | €181k | €154k | €122k | ▼ 20.8% |
| Furniture and vehicles24 | - | €48k | €19k | €7k | €4k | ▼ 36.3% |
| Other tangible fixed assets26 | - | - | €5k | €5k | €3k | ▼ 28.0% |
| Financial fixed assets28 | €93k | €75k | - | - | - | - |
| Current assets29/58 | €583k | €413k | €424k | €187k | €184k | ▼ 2.1% |
| Stocks and contracts in progress3 | €241k | €199k | €29k | €40k | €63k | ▲ 55.7% |
| Stocks30/36 | - | €199k | €29k | €40k | €63k | ▲ 55.7% |
| Amounts receivable within one year40/41 | €117k | €85k | €51k | €67k | €97k | ▲ 44.8% |
| Trade receivables40 | - | €85k | €42k | €67k | €97k | ▲ 44.8% |
| Other amounts receivable41 | - | - | €9k | - | - | - |
| Cash at bank and in hand54/58 | €187k | €103k | €339k | €77k | €22k | ▼ 71.7% |
| Deferred charges and accrued income490/1 | - | €26k | €4k | €4k | €2k | ▼ 38.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.50M | €770k | €641k | €361k | €317k | ▼ 12.1% |
| Equity10/15 | €-202k | €-193k | €-416k | €-688k | €-956k | ▼ 38.9% |
| Contributions10/11 | €400k | €400k | €400k | €400k | €400k | = |
| Capital10 | - | €400k | €400k | €400k | €400k | = |
| Issued capital100 | - | €400k | €400k | €400k | €400k | = |
| Reserves13 | €6k | €6k | €6k | €6k | €6k | = |
| Non-distributable reserves130/1 | - | €6k | €6k | €6k | €6k | = |
| Legal reserve130 | - | €6k | €6k | €6k | €6k | = |
| Profit (loss) carried forward14 | €-631k | €-618k | €-823k | €-1.09M | €-1.36M | ▼ 24.5% |
| Investment grants15 | - | €20k | - | - | - | - |
| Provisions and deferred taxes16 | €12k | €10k | - | - | - | - |
| Deferred taxes168 | - | €10k | - | - | - | - |
| Amounts payable17/49 | €1.69M | €952k | €1.06M | €1.05M | €1.27M | ▲ 21.4% |
| Amounts payable after more than one year17 | €738k | €114k | €682k | €611k | €823k | ▲ 34.6% |
| Financial debts170/4 | - | €114k | €93k | €72k | - | - |
| Other amounts payable178/9 | - | - | €589k | €539k | €823k | ▲ 52.6% |
| Amounts payable within one year42/48 | €930k | €816k | €366k | €418k | €411k | ▼ 1.5% |
| Current portion of amounts payable after more than one year42 | - | €20k | €21k | €21k | - | - |
| Financial debts43 | - | €108k | €109k | €104k | €2k | ▼ 98.5% |
| Credit institutions430/8 | - | €108k | €109k | €104k | €2k | ▼ 98.5% |
| Trade debts44 | €36k | €88k | €200k | €224k | €346k | ▲ 54.2% |
| Suppliers440/4 | - | €88k | €200k | €224k | €346k | ▲ 54.2% |
| Taxes, remuneration and social security45 | - | €63k | €35k | €51k | €52k | ▲ 1.9% |
| Taxes450/3 | - | €39k | €9k | €5k | €10k | ▲ 91.9% |
| Remuneration and social security454/9 | - | €24k | €26k | €45k | €41k | ▼ 8.9% |
| Other amounts payable47/48 | - | €537k | €1k | €17k | €12k | ▼ 30.7% |
| Accrued charges and deferred income492/3 | - | €22k | €9k | €20k | €39k | ▲ 92.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-260k | €13k | €-204k | €-272k | €-268k | ▲ 1.5% |
| + Depreciation and write-downs630 | €107k | €57k | €54k | €46k | €42k | ▼ 7.5% |
| Operating cash flow (approximation) | €-153k | €70k | €-150k | €-226k | €-226k | ▲ 0.4% |
| Investment in fixed assets (approximation) | - | €500k | €74k | €-6k | €-6k | ▼ 7.3% |
| Change in cash | - | €-84k | €236k | €-263k | €-55k | ▲ 79.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
28-07
State Gazette act
Appointment: Remon & Co (statutory auditor)Permanent representative: Christophe Remon · Mandate compensation4 facts ▸
State Gazette act
Appointment: Remon & Co (statutory auditor)
Permanent representative: Christophe Remon · Mandate compensation4 facts ▸
- General meeting, 26/06/2026
- Auditor appointment, Remon & Co (statutory auditor)
- Permanent representative, Christophe Remon
- Mandate compensation, Remon & Co
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 92 days late
2024
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 8 days late
2023
31-12
Financial
Weakest financial yearnet €-272k
Net result drops to €-272k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Liquidity doublescurrent ratio 1.16
Current ratio from 0.51 to 1.16; short-term debt falls from €816k to €366k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 16 days late
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
Show earlier events
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 20 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 14 acts read
About the unread acts
Of the 14 Belgian State Gazette acts we know for this company, 1 has been read. The other 13 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Namur · 2 establishment units since 2026
Ground area
3.8 ha
Building footprint
1.5 ha
Volume, LiDAR
111,297 m³
2 parcels, Wallonia · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Chemin de la Vieille-Cour 52, 1400 Nivelles
since 20262.393.200.925
Zoning de la Voie Cuivrée 1, 5503 Dinant
since 20262.393.201.519
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92095B0011/00M003 | Wallonia | 3.1 ha | 1 · 1.3 ha | 13.2 m · 3 fl. |
| 25099D0025/00G004 | Wallonia | 6,748 m² | 1 · 2,195 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Statutory auditor
1 auditor| REMON & COCurrent Statutory auditor · represented by Christophe Remon | 28-07-2026 → present |
Similar companies · same sector, comparable size
PELT CARS
BE 0750.922.728
Maasmechelen · Eq €60,156
AG AUTOS
BE 0736.665.114
Hannut · Eq €60,225
NEW CAR GABRIEL
BE 0875.868.329
Anderlecht · Eq €60,021
MDR-Mobility
BE 0793.636.182
Sint-Gillis-Waas · Eq €59,987
DP Automotive
BE 0888.496.145
Lummen · Eq €60,290
Of 10,665 companies in sector 47811 we hold annual accounts for 5,220. 3,421 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded06-06-2008
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
46711Wholesale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
46180Agents specialised in the wholesale of other particular products
95314Bodywork repair (including spraying and painting)
Scores and ratios are computed by Checked and are not a credit decision.