ACCESS AUTO

Active Public limited companyfounded 2008active for 18 yearsRue des Pieds d'Alouette 39, 5100 NamurKBO/BCE: BE 0898.413.604 subsidiary of

ACCESS AUTO

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Overview

Lifetime

17 annual accounts with figures on one time axis

Compare with

peak €773,719 (2012)

€40,868▼ 73.5%

lowest -€387,589 (2025)

-€387,589▼ €119,834

peak €546,170 (2012)

-€1.3m▼ €387,589

€1.6m▲ 26.8%

peak 11.3 FTE (2013)

4.8 FTE▼ 14.3%

Board7 names since 2016

1 director

Owners3 names in the annual accounts

100% and 1 other

Documentsfilings and deeds

30-09-202661 days late

2025abbreviated format

Gross margin from €154,444 to €40,868Loss of €387,589Staff from 5.6 FTE to 4.8 FTERegistered office moved from Naninne to Namur 20-03Equity from -€956,218 to -€1.3mDebts from €1.3m to €1.6m

Key points

from the 2025 annual accounts

Equity

-€1.3m

Debts exceed assets in financial year 2025.

Losses

-€1.1m in four years

Every financial year from 2022 to 2025 closed with a loss. 2025 was the heaviest.

Debts

€1.6m 596% of the balance sheet

Financial debts 1%Suppliers 31%Taxes and wages 4%Other 64%

€9,059 of the debts are secured on the company's own assets. In 2022 that was €222,832.

Staff

4.8 FTE from 11.3 in 2013

Between 2013 and 2025, 58% of the full-time equivalents disappeared.

Filings

17 annual accounts 61 days

Latest accounts filed late: after the legal deadline.

Position in the sector

-496.3%

Lower solvency than 95% of companies in retail trade. Sector median 36.6% · 12,862 companies.

Checked score

Bankruptcy probability within 12 months

Financial strength

Score breakdown

Comparable companies, two years later

In July 2024, 6,909 companies had the same profile as ACCESS AUTO has now. Each dot stands for 18 companies, two years later.

85.4%

were still trading

8.1%

stopped another way

5.8%

went bankrupt

Micro
10 to 20 years old
negative equity
a loss of 10% of the balance sheet or more

Another 0.7% stopped without a precise date, possibly only after those two years.

Test of the method

The method was tested on the 497,331 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group	Expected	Actual
1	0.2%	0.2%
2	0.3%	0.5%
3	0.5%	0.6%
4	0.7%	0.8%
5	0.9%	0.9%
6	1.3%	1.5%
7	1.6%	1.8%
8	1.8%	1.8%
9	2.9%	3.1%
10	5.6%	6.1%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 6,909 companies, not a prediction for ACCESS AUTO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Board and ownership

Director, , since 20-05-2022

Auditor,

100%equity €9.4m (2025) · annual accounts 2025
consolidatesannual accounts 2025

Board & ownership

Recent changes

03-08-2026

2 establishments registered Nivelles and Dinant

28-07-2026

Appointment: (statutory auditor) General meeting of 26-06-2026 · Gazette deed

12-05-2026

Registered in the Peppol Directory Reachable for e-invoices through 0208:0898413604

20-03-2025

Registered office moved from Naninne to Namur New registered office: Rue des Pieds d'Alouette 39 à 5100 Namur (Naninne) · Previous registered office: RUE DES PIEDS D'ALOUETTE 12, 5100 NANINNE · General meeting of 17-02-2025 · Gazette deed

All 35 events

Comparable companies

same main activity, similar in size and age

Company
ACCESS AUTO Namur	€270,743	€40,868	-496.3%	4.8
H-Point Steenokkerzeel	€183,046	€49,706	35.2%	3
AUTOMAK Woluwe-Saint-Lambert	€323,074	€85,319	17.7%	3
GARAGE DU STAIN Sombreffe	€279,506	€158,981	-102.4%	4.8
B_StreetZone Meerhout	€348,572	€37,463	23.4%	1.7
AUTOBUDGETS Anzegem	€382,426	€164,364	21.1%	4.4
MIROUX CARS Estaimpuis	€677,603	€30,496	30.9%	2.5

These companies have the same main activity as ACCESS AUTO: retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811). They are comparable in size and age: total assets between €183,000 and €678,000, founded between 1994 and 2010.

Official details

Source: KBO

Status: Active since 06-06-2008Normal situation
Registered office: 54 active companies are registered at this address3 started in the 12 months before. Source: KBO register, as of 11 November 2026.
Activity: Retail sale of cars and light vans (up to 3.5 tonnes)NACE 47811and 5 others
Joint committees: 112Garages
: 200Auxiliary committee for white-collar workers · annual accounts 2025
Establishment units: 2.393.200.9251400 Nivelles, since 03-08-2026
: 2.393.201.5195503 Dinant, since 03-08-2026
Financial year end: 31 December
Peppol: Reachable since 12-05-2026

Company details

Annual accounts 2025

: €40,868▼ 73.5%
: ≈ €280,000estimated
: €387,589▲ 44.8%
: -€1.3m▼ 40.5%
: €270,743▼ 14.6%
Employeeson 31-12-2025: 6=
Filing: Filed on 30-09-2026

Financials

Companies linked to ACCESS AUTO

Parent and group

Insights on ACCESS AUTO

ACCESS AUTO files the abbreviated format. That format states no turnover. The gross margin fell from €617,679 in 2009 to €40,868 in 2025.

holds all the shares.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

abbreviated format, filed on 30-09-2026, 61 days late

€40,868

▼ 73.5%

-€333,780

▼ €114,350

-€387,589

▼ €119,834

-€1.4m

▼ €1.2m

-496.3%

▼ 194.7 percentage points

0.11

▼ 0.33

The turnover shown is an estimate from the gross margin.

Turnover ≈ €280,000. Estimated: probably between €140,000 and €930,000.

Balance sheet

balance sheet total €270,743 on 31-12-2025

What the company ownsHow it is paid for

in €m

in euro

Position in the sector

Compare with sector

-496.3%

Lower than 95% of 12,862 companies in 2025.

0.11

Lower than 95% of 12,652 companies in 2025.

-143.2%

Lower than 95% of 12,725 companies in 2025.

ACCESS AUTO Middle half of the sector 80% of the sector Abbreviated accounts in retail trade (NACE 47)

Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter · Staff: middle half

Staff

€68,214

Staff costs divided by the average number of full-time equivalents.

level

people who joined people who left

In 2025, 2 people joined and 2 left.

Filed annual accounts

as filed with the National Bank, click a year to choose it

Line	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Balance sheet: assets
`20/58`	270,743	317,050	360,626	640,806	769,590	1.5m	1.9m	1.9m	2.2m	2.3m	2.9m	3.2m	3.5m	4.0m	3.4m	3.4m	3.2m
`20`	776	4,084	7,947	12,171	23,444	23,886	-	-	-	-	-	-	-	609	2,071	3,533	4,995
`21/28`	94,108	129,414	165,211	204,864	333,370	890,304	1.0m	1.1m	1.2m	1.3m	1.4m	1.5m	1.6m	1.7m	1.8m	1.9m	1.4m
`21`	-	-	-	288	-	-	24,667	31,201	7,958	10,611	-	-	-	-	-	-	-
`22/27`	94,048	129,414	165,211	204,576	258,774	797,604	895,739	960,475	1.1m	1.2m	1.3m	1.4m	1.5m	1.7m	1.7m	1.8m	1.3m
`22`	-	-	-	-	-	186,083	203,083	220,083	237,083	254,083	271,083	288,083	305,083	326,250	353,250	380,250	407,250
`23`	89,667	121,621	153,583	181,284	210,702	606,002	692,504	737,393	836,849	901,278	971,997	1.0m	1.1m	1.2m	1.2m	1.2m	748,953
`24`	2,335	4,448	6,985	18,745	48,071	5,519	152	2,999	7,172	11,876	17,979	29,206	76,961	111,845	79,820	83,192	30,253
`26`	2,046	3,344	4,643	4,547	-	-	-	-	-	-	-	-	-	-	-	-	-
`28`	60	-	-	-	74,597	92,700	92,500	92,500	92,500	92,500	92,500	92,500	92,500	92,500	92,500	92,500	92,500
`29/58`	175,859	183,552	187,468	423,771	412,776	583,074	851,417	807,130	1.0m	983,834	1.5m	1.7m	1.8m	2.2m	1.5m	1.5m	1.7m
`3`	72,523	62,795	40,333	29,496	198,897	241,194	272,432	374,793	426,242	665,591	1.1m	1.1m	1.3m	1.4m	1.0m	1.2m	1.1m
`30/36`	72,523	62,795	40,333	29,496	198,897	241,194	272,432	374,793	426,242	665,591	1.1m	1.1m	1.3m	1.4m	1.0m	1.2m	1.1m
`40/41`	68,704	96,926	66,960	51,292	85,225	116,826	357,265	219,924	426,345	252,146	233,759	411,623	334,827	648,054	388,645	162,813	187,319
`40`	68,704	96,926	66,960	42,452	85,225	116,826	357,265	219,924	426,345	252,146	190,257	331,150	334,811	648,054	388,501	162,530	187,159
`41`	-	-	-	8,840	-	-	-	-	-	-	43,502	80,472	16	-	144	282	160
`54/58`	34,632	21,662	76,646	339,278	103,070	186,896	174,974	160,034	158,788	27,792	158,829	121,756	205,462	148,881	123,013	95,083	370,762
`490/1`	-	2,168	3,529	3,705	25,583	38,158	46,747	52,379	38,272	38,306	73,170	34,374	10,208	1,717	15,844	-	109,296
Balance sheet: equity and liabilities
`10/49`	270,743	317,050	360,626	640,806	769,590	1.5m	1.9m	1.9m	2.2m	2.3m	2.9m	3.2m	3.5m	4.0m	3.4m	3.4m	3.2m
`10/15`	-1.3m	-956,218	-688,463	-416,494	-192,726	-201,864	60,135	37,601	76,144	170,662	458,954	540,098	545,594	546,170	503,843	481,709	482,536
`10/11`	400,000	400,000	400,000	400,000	400,000	400,000	400,000	400,000	400,000	400,000	400,000	400,000	400,000	400,000	400,000	400,000	400,000
`10`	400,000	400,000	400,000	400,000	400,000	-	-	-	-	-	-	-	-	-	-	-	-
`100`	400,000	400,000	400,000	400,000	400,000	400,000	400,000	400,000	400,000	400,000	400,000	400,000	400,000	400,000	400,000	400,000	400,000
`13`	6,074	6,074	6,074	6,074	6,074	6,074	6,074	4,754	4,754	4,754	4,754	4,754	4,754	4,589	2,279	979	827
`130/1`	6,074	6,074	6,074	6,074	6,074	6,074	-	-	-	-	-	-	-	-	-	-	-
`130`	6,074	6,074	6,074	6,074	6,074	6,074	6,074	4,754	4,754	4,754	4,754	4,754	4,754	4,589	2,279	979	827
`14`	-1.7m	-1.4m	-1.1m	-822,568	-618,379	-631,385	-373,253	-398,335	-363,659	-273,008	11,415	88,692	90,321	87,194	43,309	18,608	15,719
`15`	-	-	-	-	19,580	23,447	27,315	31,182	35,050	38,917	42,785	46,652	50,519	54,387	58,254	62,122	65,989
`16`	-	-	-	-	10,082	12,074	14,065	16,057	18,048	20,039	22,031	24,022	26,014	28,005	29,997	89,138	91,429
`160/5`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	57,150	57,450
`168`	-	-	-	-	10,082	12,074	14,065	16,057	18,048	20,039	22,031	24,022	26,014	28,005	29,997	31,988	33,979
`17/49`	1.6m	1.3m	1.0m	1.1m	952,234	1.7m	1.8m	1.8m	2.1m	2.1m	2.4m	2.6m	2.9m	3.4m	2.8m	2.8m	2.6m
`17`	-	822,714	611,097	682,367	113,930	737,935	737,935	845,190	1.1m	1.1m	982,375	1.2m	1.3m	1.5m	1.6m	1.5m	1.3m
`170/4`	-	-	72,067	93,337	113,930	737,935	737,935	845,190	1.1m	1.1m	982,375	1.2m	1.3m	1.5m	1.6m	1.5m	1.3m
`178/9`	-	822,714	539,030	589,030	-	-	-	-	-	-	-	-	-	-	-	-	-
`42/48`	1.6m	411,404	417,648	366,128	816,287	929,641	1.0m	992,394	1.1m	995,497	1.5m	1.5m	1.6m	1.9m	1.2m	1.3m	1.3m
`42`	-	-	21,269	20,593	19,939	85,086	119,853	87,178	12,088	14,980	153,029	111,278	141,410	125,273	135,527	119,931	105,319
`43`	9,059	1,511	103,836	108,902	108,051	300,000	300,000	350,000	350,000	400,000	400,000	400,000	400,000	400,000	300,000	300,000	150,000
`430/8`	9,059	1,511	103,836	108,902	108,051	300,000	300,000	350,000	350,000	400,000	400,000	400,000	400,000	400,000	300,000	300,000	150,000
`44`	504,204	346,196	224,463	200,326	88,133	35,680	53,498	48,982	135,486	105,315	43,967	17,850	26,670	76,122	67,529	147,719	224,695
`440/4`	504,204	346,196	224,463	200,326	88,133	35,680	53,498	48,982	135,486	105,315	43,967	17,850	26,670	76,122	67,529	147,719	224,695
`46`	-	-	-	-	-	-	-	-	-	-	-	2,137	2,137	2,137	-	-	-
`45`	61,178	51,630	50,671	35,053	63,068	23,495	71,978	49,802	71,491	53,371	75,637	113,718	103,199	104,558	140,030	138,848	95,468
`450/3`	9,800	10,400	5,420	8,605	38,883	16,613	49,622	31,698	27,659	24,840	42,105	72,454	56,615	63,188	105,182	109,949	67,667
`454/9`	51,378	41,231	45,251	26,448	24,185	6,883	22,356	18,104	43,832	28,531	33,532	41,265	46,584	41,371	34,848	28,899	27,801
`47/48`	988,828	12,067	17,409	1,252	537,097	485,380	492,339	456,432	490,339	421,831	785,895	810,002	879,147	1.2m	583,668	593,797	746,848
`492/3`	51,280	39,150	20,343	8,805	22,017	19,477	14,519	65	65	-	-	-	-	11,079	15,253	-	8,167
Income statement
`76A`	-	-	4,612	4,391	-	-	623	1,669	1,844	-	2,137	36	-	6,709	26,670	-	109,245
`9900`	40,868	154,444	106,690	63,009	431,234	190,228	414,133	358,034	423,295	236,321	545,647	626,447	687,798	773,719	674,198	623,785	617,679
`62`	327,425	321,371	271,614	276,390	297,625	220,331	250,103	231,757	345,756	334,782	436,712	414,532	439,246	407,558	406,129	337,378	205,080
`630`	38,674	42,190	45,610	54,024	56,704	107,198	84,217	107,957	110,847	110,496	119,126	129,778	154,453	176,175	177,811	174,442	202,887
`631/4`	-	-	-	-	-	-	-	-	-	-	-	865	-	-	-	-	-
`635/8`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-30,480	-300	57,450
`640/8`	8,433	10,182	11,806	12,472	49,871	59,979	25,465	30,104	28,789	19,170	22,799	28,685	28,065	28,882	8,742	14,316	19,987
`66A`	115	131	17,056	257	257	38,731	-	552	294	-	430	-	450	390	265	120	-
`9901`	-333,780	-219,429	-239,395	-280,134	26,777	-236,011	54,348	-12,335	-62,097	-228,127	-32,990	52,587	66,035	161,103	111,996	97,950	132,275
`75/76B`	120	119	765	109,061	19,508	5,745	5,517	8,702	7,999	5,866	6,175	6,218	7,353	6,173	4,844	4,984	7,713
`75`	120	119	765	31,900	19,508	5,745	5,517	8,702	6,154	5,866	6,175	6,218	7,353	6,173	4,844	4,984	7,713
`76B`	-	-	-	77,160	-	-	-	-	1,844	-	-	-	-	-	-	-	-
`65/66B`	53,034	47,445	32,655	32,758	34,366	29,455	35,034	33,635	37,942	63,543	54,145	62,418	71,638	103,465	119,071	101,764	198,707
`65`	53,034	47,445	32,655	32,758	33,446	29,455	35,034	33,635	37,649	63,543	54,145	62,418	71,638	103,465	119,071	101,764	198,707
`66B`	-	-	-	-	920	-	-	-	294	-	-	-	-	-	-	-	-
`9903`	-386,694	-266,755	-271,285	-203,832	11,919	-259,722	24,831	-37,268	-92,041	-285,804	-79,253	-3,576	1,299	70,131	24,174	1,050	50,526
`780`	-	-	-	-	1,991	-	-	-	-	-	-	-	-	-	-	-	-
`67/77`	895	1,000	684	356	905	401	421	-601	602	611	16	43	-	25,927	164	-	-
`9904`	-387,589	-267,755	-271,969	-204,188	13,005	-260,123	24,410	-36,667	-92,642	-284,424	-77,277	-1,628	3,291	46,195	26,001	3,041	16,546
`789`	-	-	-	-	-	1,991	1,991	1,991	1,991	-	-	-	-	-	-	-	-
`9905`	-387,589	-267,755	-271,969	-204,188	13,005	-258,131	26,401	-34,675	-90,651	-284,424	-77,277	-1,628	3,291	46,195	26,001	3,041	16,546
Appropriation of the result
`9906`	-1.7m	-1.4m	-1.1m	-822,568	-618,379	-631,385	-371,933	-398,335	-363,659	-273,008	11,415	88,692	90,485	89,504	44,609	18,760	16,546
`14P`	-1.4m	-1.1m	-822,568	-618,379	-631,385	-	-	-	-	-	-	-	-	-	-	-	-
`691/2`	-	-	-	-	-	-	1,320	-	-	-	-	-	165	2,310	1,300	152	827
`691`	-	-	-	-	-	-	1,320	-	-	-	-	-	-	-	-	-	-
`6920`	-	-	-	-	-	-	-	-	-	-	-	-	165	2,310	1,300	152	827
Social balance sheet
`9087`	4.8	5.6	4.6	5.2	6.2	6.7	5.4	6.2	9.6	8.8	10.2	10.5	11.3	11.2	10.3	9.5	7.4
Hours worked`1013`	7,781	8,801	7,386	8,594	9,445	7,248	9,256	8,753	13,933	13,237	16,829	17,715	19,111	19,309	18,045	16,200	12,625
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The notes to these accounts have 14 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 30-09-2026.

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Filings

each dot is a set of accounts, on the day it reached the National Bank

2025 annual accounts filed 61 days after the deadline. Filed on 30 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00543714.

Financial year	Type	Filed	Reference	Document
31-12-2025	abbreviated format	30-09-2026	2026-00543714	PDF
31-12-2024	full format	31-10-2025	2025-00561992	PDF
31-12-2023	full format	08-08-2024	2024-00341063	PDF
31-12-2022	full format	19-07-2023	2023-00259277	PDF
31-12-2021	full format	30-08-2022	2022-20399072	PDF
31-12-2020	full format	16-08-2021	2021-48800474	PDF
31-12-2019	full format	29-07-2020	2020-36900548	PDF
31-12-2018	full format	12-07-2019	2019-32500278	PDF
31-12-2017	full format	20-06-2018	2018-21400273	PDF
31-12-2016	full format	20-08-2017	2017-44900387	PDF
31-12-2015	full format	31-08-2016	2016-55900490	PDF
31-12-2014	full format	18-08-2015	2015-43900064	PDF
31-12-2013	full format	01-09-2014	2014-56000474	PDF
31-12-2012	full format	20-06-2013	2013-19700358	PDF
31-12-2011	full format	26-06-2012	2012-22100172	PDF
31-12-2010	full format	26-05-2011	2011-12800384	PDF
31-12-2009	full format	03-06-2010	2010-14800465	PDF

Key figures and ratios

per financial year, computed from the annual accounts

2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
-295,105	-177,240	-193,785	-226,110	83,481	-128,813	138,565	95,622	48,749	-117,631	86,137	182,365	220,488	337,278	289,807	272,392	335,162
-348,915	-225,565	-226,359	-150,165	69,709	-152,925	108,627	71,291	18,204	-173,927	41,849	128,149	157,744	222,370	203,812	177,483	219,434
60	2,530	26,591	22,472	84,633	31,112	12,947	41,820	12,496	17,722	22,943	12,700	34,918	100,480	104,293	674,442	1.6m
12,970	-54,984	-262,632	236,208	-83,826	11,922	14,939	1,246	130,997	-131,037	37,074	-83,706	56,581	25,869	27,930	-275,679	-
-1.4m	-227,852	-230,181	57,643	-403,511	-346,567	-186,252	-185,264	-9,757	-11,663	88,634	245,221	281,624	345,665	304,595	153,576	410,942
-496.3%	-301.6%	-190.9%	-65.0%	-25.0%	-13.5%	3.2%	2.0%	3.4%	7.5%	15.7%	17.0%	15.8%	13.7%	14.9%	14.3%	15.3%
0.11	0.45	0.45	1.16	0.51	0.63	0.82	0.81	0.99	0.99	1.06	1.17	1.18	1.18	1.25	1.12	1.31
0.07	0.29	0.35	1.08	0.26	0.37	0.56	0.44	0.59	0.32	0.32	0.39	0.35	0.42	0.43	0.20	0.50
-	-	-	-	-	-	29.77	48.87	28.09	12.16	5.32	4.84	5.30	6.23	5.63	5.82	5.37
-	-	-	-	-	-	40.6%	-97.5%	-121.7%	-166.7%	-16.8%	-0.3%	0.6%	8.5%	5.2%	0.6%	3.4%
-143.2%	-84.5%	-75.4%	-31.9%	1.7%	-17.4%	1.3%	-1.9%	-4.1%	-12.6%	-2.6%	-0.1%	0.1%	1.2%	0.8%	0.1%	0.5%
-5.56	-3.74	-5.93	-6.90	2.50	-	-	-	-	-	-	-	-	-	-	-	-

EBIT margin: not included in this filing.

Debt to equity is not shown because equity is negative. Debt divided by negative equity means nothing.

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Social balance sheet

Item	31-12-2025	31-12-2024	31-12-2023	31-12-2022	31-12-2021
Employees at the balance-sheet date	6	6	6	5	8
full-time	4	4	4	3	5
part-time	2	2	2	2	3
in full-time equivalents	5	5	5	4	6.2
	4.8	5.6	4.6	5.2	6.2
On a permanent contract	6	6	5	4	7
Joined	2	3	1	0	1
Left	2	3	0	3	1
Training hours	-	1,265	1,709	1,201	261

Source: social balance sheet in the 2021 to 2025 annual accounts

Securities and guarantees

on own assets and for others

Item	2025	2024	2023	2022	2021
Debts secured on the company's own assets	€9,059	€1,511	€197,173	€222,832	-
Mortgages, amount registered	€650,000	€650,000	€650,000	€650,000	-
	€635,000	€635,000	€635,000	€635,000	-
	€500,000	€500,000	€500,000	€500,000	-

Source: notes to the 2021 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)

Investments

fixed assets acquired

Item	2025	2024	2023	2022	2021
Tangible fixed assets	-	€2,530	€26,591	€22,472	€84,633
Financial fixed assets	€60	-	-	-	-
	€38,674	€42,190	€45,610	€54,024	€56,704

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Public contracts

1 award · 2023

23LS378

buyer: Ministerie van DefensieRepair and maintenance servicesawarded 17-10-2023€511,2004 tendersTED 265760-2025

Source: TED (Tenders Electronic Daily), Publications Office of the European Union. The values are as the buyer published them. For a framework agreement, the value is a ceiling.

Insights on ACCESS AUTO

The operating result for 2025 is a loss of €333,780, larger than the loss of €219,429 in 2024. It is the lowest result since 2009.

Equity is negative. Debt (€1.6m) exceeds the balance-sheet total (€270,743).

Board & ownership

Board

1 director, 1 auditor, last change in July 2026

Deed of 28-07-2026Appointment: (statutory auditor)General meeting of 26-06-2026

Sole director, permanent representative

since 20-05-2022

earlier director, until 27-05-2022

also on the board of 5 other companies

listed in the 2025 annual accounts, filed on 30-09-2026

Statutory auditor, permanent representative

appointed by deed of 28-07-2026 3-year term from 2026

Signing authority: “Article 19. : Représentation Tous les actes qui engagent la société, en justice ou devant une juridiction ou instance administrative et dans…”
deed of 27-05-2022

Permanent representatives 1

Permanent representative, for

appointed by deed of 27-05-2022

Office holders in the KBO →

Mandates through the years

7 names, the dashed line is today

Sole director

Statutory auditor

Director

Managing director

Director

BoardEarlierRest of the termmandate already running before its first mentionend not dated

Mandates as a list

- Director, from before 31-12-2021 to 27-05-2022
- Managing director, appointed by deed of 23-05-2022, ended, last mentioned on 23-05-2022
- Sole director, appointed by deed of 27-05-2022, still in office
- Statutory auditor, appointed by deed of 28-07-2026, still in office
- Statutory auditor, from 16-12-2022 to 28-07-2026
- Director, appointed by deed of 23-05-2022, until 27-05-2022
- Director, appointed by deed of 13-02-2019, until 09-05-2022
- Managing director, until 31-12-2018
- Managing director, appointed by deed of 13-02-2019, until 09-05-2022
- Director, until 20-12-2016

See the board, name and registered office on a given date →

Control

Parent

Equity €9.4m

Profit €3.6m in 2025 (profit €2.4m in 2024)

100%

This company

ACCESS AUTO

Equity -€1.3m

Loss €387,589 in 2025

Further up the chain 100% consolidates

and 1 other shareholder

Capital

Capital: €400,000
Shares: 400
Contribution per share: €1,000
Equity per share: -€3,360 in 2025
Source: deed of 27-05-2022

Owners through the years

as the annual accounts name them

100%

consolidates

20%

20% until 2014

Owners as a list

Source: shareholder structure in its own accounts, parent in its own accounts, lists of holdings in the owners' accounts

Articles of association

deed of 27-05-2022 (in French)

Annual meeting: Third Friday of May at 18:00
Liquidation rule: “Assemblée générale autrement majorité voix, toutes opérations prévues loi”

Shareholders

2 owners

parent
Equity €9.4m Profit of €3.6m in 2025 (profit of €2.4m in 2024)
Sourceown accounts 2025accounts 2025

100%
consolidating parent
Sourceparent in own accounts 2025

consolidates

Network & group

Group

has 7 direct subsidiaries (2025 accounts), the bar shows equity in euros

Parent7 holdings, 1 country 2025 accounts

Belgium 7 Equity Result

BE ACCESS AUTO -€1.3m result -€387,589
BE €1.9m result €773,819
BE €1.7m result €492,838
BE €711,868 result €520,080
BE €118,949 result -€456
BE 51% €101,494 result -€11,669
BE - result €119,635

Source: list of holdings in the 2025 accounts of . Holdings that file themselves stand with their latest accounts, the others with the amounts of that list, in their own currency.

Part of the group

Earlier ties

via , at ACCESS AUTO until 2022 · Sole director · deed of 28-09-2022 founded in 2018 · negative equity (2025)	0.9 FTE (2025)
via , at ACCESS AUTO until 2022 · Director · deed of 02-05-2022 founded in 2022 · negative equity (2025)	total assets €27,940 (2025)

Holdings through the years

2013 to 2021

Holdings through the years
Name	2013	2014	2015	2016	2017	2018	2019	2020	2021
2013 to 2020: 37% 2021: 30%	37%								30%

Source: list of holdings in its own accounts

Connections & network

8 connected companies

Depth

Shared directors

This company Company Director Shareholding +N: links not shown yet

Linked via shared directors

via · Managing director · deed of 14-02-2024

Founded in 2021 · turnover €5.6m (2025) · negative equity

via · Manager · deed of 28-03-2018

Founded in 1990 · 38 FTE (2025)

via · Director · deed of 03-05-2021

Founded in 2021 · 11 FTE (2025)

via · Sole director · deed of 27-05-2022

Founded in 1989 · 5 FTE (2025)

Show 4 more companies with a shared director

via · Manager · deed of 19-10-2018

Founded in 1981 · total assets €118,949 (2025)

via · Manager · deed of 14-01-2020

No longer active · 40 FTE (2024)

via · Director · deed of 14-08-2018

No longer active · 27 FTE (2020)

via , (at ACCESS AUTO until 2022) and (at ACCESS AUTO until 2022) · deeds of 27-05-2022 and 13-02-2019

No longer active · total assets €1.1m (2022)

Timeline

35 events since 2008

Board

Filings

Financial

Establishments

Address

2008201020122014201620182020202220242026

Deadline for the 2026 accounts: 31-07-2027

2026

30-09-2026

Annual accounts 2025 filed NBBabbreviated format · 61 days late

03-08-2026

2 establishments registered Nivelles and Dinant

28-07-2026

Appointment: (statutory auditor)General meeting of 26-06-20262 points ▸

General meeting, 26-06-2026
Auditor appointment, (statutory auditor)

Open the deed in the Belgian Official Gazette

12-05-2026

Registered in the Peppol Directory Reachable for e-invoices through 0208:0898413604

2025

31-12-2025

Weakest financial year net -€387,589 The net result drops to -€387,589, the lowest from 2009 to 2025.

31-10-2025

Annual accounts 2024 filed PDFfull format · 92 days late

20-03-2025

Registered office moved from Naninne to NamurNew registered office: Rue des Pieds d'Alouette 39 à 5100 Namur (Naninne) · Previous registered office: RUE DES PIEDS D'ALOUETTE 12, 5100 NANINNE · General meeting of 17-02-20252 points ▸

General meeting, 17-02-2025
Registered-office move, Rue des Pieds d'Alouette 39 à 5100 Namur (Naninne)
The deed holds 1 more point.

Open the deed in the Belgian Official Gazette

2024

08-08-2024

Annual accounts 2023 filed PDFfull format · 8 days late

14-02-2024

Permanent representatives: and Director discharge: · Director discharge: · General meeting of 30-01-20245 points ▸

General meeting, 30-01-2024
Permanent representative,
Permanent representative,
Director discharge,
Director discharge,
The deed holds 1 more point.

Open the deed in the Belgian Official Gazette

2023

19-07-2023

Annual accounts 2022 filed PDFfull format · 12 days before the deadline

13-02-2023

Appointment: (statutory auditor)Permanent representative: · General meeting of 16-12-20223 points ▸

General meeting, 16-12-2022
Auditor appointment, (statutory auditor)
Permanent representative,

Open the deed in the Belgian Official Gazette

2022

31-12-2022

Liquidity more than doubled current ratio 1.16 The current ratio rises from 0.51 to 1.16. Short-term debt falls from €816,287 to €366,128.

30-08-2022

Annual accounts 2021 filed PDFfull format · 30 days late

27-05-2022

Company renamed from ACCESS AUTO FRANCOIS to ACCESS AUTORegistered office moved from Namur to Naninne · New registered office: rue Pieds d’Alouette 12, 5100 Naninne · Previous registered office: rue des Pieds d'Alouette 12 à 5100 Namur (Naninne) · General meeting of 20-05-202212 points ▸

General meeting, 20-05-2022
Incorporation, 06-06-2008
Registered-office move, rue Pieds d’Alouette 12, 5100 Naninne
Name change, ACCESS AUTO
Capital, €400,000, 400 shares
Registered office clause, rue des Pieds d’Alouette 12, 5100 Naninne
Director resignation,
Director resignation,
Director discharge,
Director discharge,
Director appointment, (sole director)
Permanent representative,
The deed holds 4 more points.

Open the deed in the Belgian Official Gazette

23-05-2022

Registered office moved from Rochefort to NamurNew registered office: rue des Pieds d'Alouette 12 à 5100 Namur (Naninne) · Previous registered office: rue de Ciney 119, 5580 Rochefort · Resignations: (managing director) and (managing director) · General meeting of 09-05-202212 points ▸

General meeting, 09-05-2022
Director resignation, (managing director)
Director resignation, (managing director)
Director appointment,
Permanent representative,
Director appointment,
Board meeting, 09-05-2022
Director appointment, (managing director)
Registered-office move, rue des Pieds d'Alouette 12 à 5100 Namur (Naninne)
Director discharge,
Director discharge,
Power of attorney, Conseil d'administration
The deed holds 1 more point.

Open the deed in the Belgian Official Gazette

2021

31-12-2021

Back to profit net €13,005 The net result is €13,005, after one loss-making year.

16-08-2021

Annual accounts 2020 filed PDFfull format · 16 days late

2020

29-07-2020

Annual accounts 2019 filed PDFfull format · 2 days before the deadline

2019

31-12-2019

Back to profit net €24,410 The net result is €24,410, after 5 loss-making years.

12-07-2019

Annual accounts 2018 filed PDFfull format · 19 days before the deadline

13-02-2019

Change of role: , from managing director to directorAppointment: (managing director) · General meeting of 28-01-20194 points ▸

General meeting, 28-01-2019
Director resignation, (managing director)
Director appointment,
Director appointment, (managing director)

Open the deed in the Belgian Official Gazette

2018

16-08-2018

Registered office moved to RochefortNew registered office: 119 ROUTE DE CINEY à 5580 ROCHEFORT · General meeting of 16-07-20182 points ▸

General meeting, 16-07-2018
Registered-office move, 119 ROUTE DE CINEY à 5580 ROCHEFORT

Open the deed in the Belgian Official Gazette

20-06-2018

Annual accounts 2017 filed PDFfull format · 41 days before the deadline

2017

20-08-2017

Annual accounts 2016 filed PDFfull format · 20 days late

2016

20-12-2016

Resignation: (director)General meeting of 16-11-20162 points ▸

General meeting, 16-11-2016
Director resignation,

Open the deed in the Belgian Official Gazette

31-08-2016

Annual accounts 2015 filed PDFfull format · 31 days late

2015

18-08-2015

Annual accounts 2014 filed PDFfull format · 18 days late

2014

01-09-2014

Annual accounts 2013 filed PDFfull format · 32 days late

2013

20-06-2013

Annual accounts 2012 filed PDFfull format · 41 days before the deadline

2012

31-12-2012

Highest result from 2009 to 2025 net €46,195 ▲77.7% The operating result of €161,103 and the net result of €46,195 are both a record.

26-06-2012

Annual accounts 2011 filed PDFfull format · 35 days before the deadline

2011

31-12-2011

Equity above €500,000 equity €503,843 ▲4.6% Equity rises from €481,709 to €503,843.

26-05-2011

Annual accounts 2010 filed PDFfull format · 66 days before the deadline

2010

03-06-2010

Annual accounts 2009 filed PDFfull format · 58 days before the deadline

2008

06-06-2008

Incorporation PDFpublished on 18-06-2008

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official Gazette Filings with the National Bank

History

ACCESS AUTO was incorporated on 6 June 2008.¹ Since 2018 the registered office has moved 4 times, most recently to Namur in 2025.²³ In 2022 the company took the name ACCESS AUTO.⁴ Total assets fell from €1.9m in 2018 to €270,743 in 2025 and headcount from 6.2 to 4.8 full-time equivalents.⁵

Company details

Identity

Enterprise number: 0898.413.604
VAT number: BE 0898.413.604
Peppol ID: 0208:0898413604
Legal form: Public limited company
Status: Active, normal situation
Founded: 06-06-2008
Financial year: ends on 31 December
Annual meeting: Third Friday of May at 18:00
deed of 27-05-2022 (in French)
Peppol: Reachable since 12-05-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
Name: ACCESS AUTO in French
Former name: ACCESS AUTO FRANCOIS until the deed of 27-05-2022
Entity type: Legal entity

Activities

NACEBEL 2025

VAT activities

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

46180 Agents specialised in the wholesale of other particular products

46711 Wholesale of cars and light vans (up to 3.5 tonnes)

95311 General maintenance and repair of cars and light vans (up to 3.5 tonnes)

95314 Bodywork repair (including spraying and painting)

Social security (RSZ) activities

47820 Retail sale of motor vehicle parts and accessories main activity

Joint committees annual accounts 2025

JC 112 Garages

JC 200 Auxiliary committee for white-collar workers

Codes under NACEBEL 2008

VAT activities

45113 main activity

45111

45112

45201

45204

Social security (RSZ) activities

45320 main activity

Purpose: “Toutes les opérations relatives à l’exploitation de garages et la représentation de véhicules automobiles et notamment l’achat,la vente,la…”
15 activities
Toutes les opérations relatives à l’exploitation de garages et la représentation de véhicules automobiles et notamment l’achat,la vente,la location,l’échange,l’entretien et la réparation de véhicules automobiles neufs ou usagés,y compris les véhicules industriels et agricoles,caravanes,remorques,motocyclettes,cyclomoteurs,tondeuses à gazons et engins à propulsion mécanique,ainsi que tous équipements,pièces et accessoires qui s’y rapportent,l’achat et la vente de carburants,huiles,graisses,bardages,produits d’entretien,etc.
Toutes les opérations relatives à l’exploitation d’un centre d’exposition,de commercialisation et de mise à disposition,réelle ou virtuelle,de véhicules de tous types,en ce compris leur entretien,leur réparation et la mise à jour de leurs évolutions.
L’activité de carrosserie au sens le plus large,en ce compris le débosselage,le planage,le ponçage,le traitement des surfaces,peintures,le démontage d’équipements électrique,la remise en état du châssis et contrôles sur banc de mesure dans le respect des normes constructeur et plus généralement la remise en forme,le remplacement d’éléments endommagés,tous travaux de finition,de modifications de carrosserie,de peinture,ainsi que tous travaux de sellerie à l’intérieur de l’habitacle.
La préparation de véhicules et le développement de solutions pour l’automobile,notamment dans le secteur informatique ou de la mobilité,en ce compris les réglages électroniques et électromécaniques
Le commerce en gros ou en détail de véhicules à moteur y compris de véhicules de seconde main,de pièces détachées et accessoires de véhicules à moteur,de carburants et de lubrifiants,huiles industrielles et produits gras
Le service de dépannage
L’intermédiation commerciale dans les domaines énoncés ci-avant
Toutes les opérations relatives à la vente,l’achat,la location,la mise en valeur et la gestion de tous les biens meubles et immeubles
Toutes les opérations de crédit et de financement,sous quelque forme que ce soit
Organiser tous évènement et manifestations liées à l’automobile ou aux véhicules à moteur ou poser tous actes susceptibles de concourir à l’image de marque de la société dans le secteur de l’automobile
L’exercice de fonctions ou de mandats,notamment comme administrateur,gérant,liquidateur ou autre,au sein de toute personne morale,établissement ou entité juridique,quelle qu’en soit la qualification,en qualité d’organe ou non,sans exception
La prise de participation directe ou indirecte,sous quelque forme que ce soit,dans toutes structures,sociétés,associations,établissements existants ou à créer,ayant des activités industrielles,financières,en ce compris,le cas échéant,immobilières,ainsi que la gestion et la valorisation de ces participations,notamment par la stimulation,le développement,le soutien,l’accompagnement,la planification et la coordination du développement de ces entités
L’inscription,l’acquisition temporaire ou non,la protection,le développement et la promotion de tous droits intellectuels,de toutes marques,logos,processus,réseaux,licences ou brevets,quelle qu’en soit la qualification
La participation au marché immobilier par tout contrat ou engagement unilatéral ou droits démembrés,tel l'achat,l'échange,l’urbanisation,le lotissement,la promotion,la vente,la prise en location et en sous-location,la concession ainsi que la cession en location et en sous-location,le tout avec ou sans option d'achat,en pleine propriété ou non,la construction,la rénovation,l'exploitation et l'entretien de biens immobiliers (maisons,appartements,bureaux,magasins,fonds de commerce,terrains,…)
Faire,tant pour elle-même que pour compte de tiers,tous actes et opérations (financières,commerciales,industrielles,mobilières ou immobilières) se rattachant directement ou indirectement en tout ou en partie à son objet ou pouvant en amener le développement ou en faciliter la réalisation,notamment prêter,emprunter,hypothéquer,acquérir ou céder tous brevets,patentes,licences,marques;s'intéresser par voie d'apport,de cession,de souscription,de participation,de fusion,d'achat d'actions ou autres valeurs,ou par toutes autres voies dans toutes sociétés,entreprises ou associations existantes ou à créer,dont l'objet est identique,analogue,similaire ou connexe à tout ou partie de celui de la présente société,exercer l’administration d'autres sociétés
deed of 27-05-2022 (in French)

Registered office and establishments

2 establishments

1 of 2 establishments on the map

Establishment	Since	Unit number
Rue des Pieds d'Alouette 39 registered office 5100 Namur
Chemin de la Vieille-Cour 52 1400 Nivelles	03-08-2026	2.393.200.925
Zoning de la Voie Cuivrée 1 5503 Dinant	03-08-2026	2.393.201.519

2 former offices

Rue Des Pieds d'Alouette 12, 5100 Naninne until 17-02-2025 · deed of 20-03-2025
rue de Ciney 119, 5580 Rochefort until 09-05-2022 · deed of 23-05-2022

Buildings and parcels at the addresses

Ground area: 3.8 ha
Buildings: 1.5 ha
Volume, LiDAR: 126,909 m³
Tallest building: 13.2 m

Buildings to scale, each on its own parcel

registered office establishment 1 of 2 establishment units on the map

Parcels

Cadastral parcel	Area	Buildings	Height / floors
92095B0011/00M003	3.1 ha	1 · 1.3 ha	13.2 m · 3
25099D0025/00G004	6,748 m²	1 · 2,195 m²	9.2 m · 2

Overview

Lifetime

Key points

Equity

Losses

Debts

Staff

Filings

Position in the sector

Checked score

Score breakdown

Comparable companies, two years later

Credit verdict

Signals

Board and ownership

Recent changes

Comparable companies

Official details

Annual accounts 2025

Companies linked to ACCESS AUTO

Parent and group

Insights on ACCESS AUTO

Financials

Annual accounts 2025

Balance sheet

Change in equityin €m

Change in cashin euro

Position in the sector

Solvency-496.3%

Current ratio0.11

Return on assets-143.2%

Staff

Staff cost per FTE€68,214

Joined and leftlevel

Filed annual accounts

Filings

Key figures and ratios

Social balance sheet

Securities and guarantees

Investments

Public contracts

Insights on ACCESS AUTO

Board & ownership

Board

Mandates through the years

Control

Capital

Owners through the years

Articles of association

Shareholders

Owners 2

Network & group

Group

Belgium 7 Equity Result

Earlier ties

Holdings through the years

Connections & network

Timeline

Timeline

History

Company details

Identity

Activities

Registered office and establishments

Buildings and parcels at the addresses

Location

Parcels

in €m

in euro

-496.3%

0.11

-143.2%

€68,214

level