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ANDRE AUTOMOTIVE

Active
Public limited companyfounded 2002active for 24 yearsNerviërsstraat 93, 1730 Asse, BelgiumKBO/BCE: BE 0477.562.870
Summary

ANDRE AUTOMOTIVE has been active since 2002 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7.4m and a net result of €602,242. Equity is growing by about 15% per year across the filed financial years. Its solvency ranks better than 36% of 4,921 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Activity
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811
#9 company by total assets in Asse, Wholesale and retail trade sector2 sites
Size
€73.4mturnover 2025
Staff
32.5 FTE
Equity
€7.4m
Profit
€602,242
Financial health
91 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Structure
Parent
IM INVEST · 100%
  • FP INVEST nvDirector · permanent representative Heymans Micheline
  • IM INVEST bvManaging director
Accounts 7 days early1 of 12 deeds read
Why 91raises riskSector: Retail trade (NACE 47)lowers riskSize: turnover €73.4m, 32.5 FTE, total assets €30.2mFounded in 2002Liquidity: current ratio 1.54, cash €4.5mShow the evidence

Checked score

Score 2025
91 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 40% of its sector peers (NACE 47, small)
Financial strength · tick = 2024
Average
Solvency 50=
equity 24.7% of total assets
Liquidity 35+5
short-term debt 63.9% · cash 14.8%
Profitability 52-7
return on assets 2.0%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (3,692 companies, NACE 47, small)
Last 24 months 11-2024: 0.4% 12-2024: 0.4%● unchanged vs 11-2024 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.4%● unchanged vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.4%● unchanged vs 05-2025 07-2025: 0.5%▲ +0.1 percentage points vs 06-2025highest value 08-2025: 0.1%▼ -0.4 percentage points vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.2%▲ +0.1 percentage points vs 06-2026 08-2026: 0.1%▼ -0.1 percentage points vs 07-2026lowest value 09-2026: 0.1%● unchanged vs 08-2026lowest value 10-2026: 0.1%● unchanged vs 09-2026lowest value
Credit of up to €650,000 on 30-day terms is acceptable
Liquidity ample (current ratio 1.54, compared with 1.59 in 2024; short-term debt: 63.9% and cash: 14.8% of total assets), but 75.3% of the assets are financed with debt.
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, small): better than 42% on solvency, 37% on liquidity, 34% on profitability and 45% on growth.

The bankruptcy probability was computed on 10-10-2026 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

Five signals.
lowers riskraises riskneutral
lowers risk · Size: turnover €73.4m, 32.5 FTE, total assets €30.2m
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
lowers risk · Founded in 2002
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
raises risk · Sector: Retail trade (NACE 47)
KBO
lowers risk · Liquidity: current ratio 1.54, cash €4.5m
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
7 days early
2024
3 days early
2023
25 days early
2022
34 days early
2021
31 days late
2020
31 days late
2019
89 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 12 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 (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 24 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
11-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · full…
  2. Resignation: Heymans Micheline (non-statutory director)Appointment: FP INVEST nv (non-statutory…
  3. Annual accounts filedfinancial year 2024 · full…

Key points

  • Positive: Among the best 7% on equitysector median €451,516 · 4,922 companies €7.4m View
  • Board changedlatest change 01-04-2026 · 2 in office 2 joined · 1 left View
  • Positive: 8 profitable years in a rowprofit 2025: €602,242 8 years View
  • Controlled by IM INVEST 100% View
  • Caution: Result fell in 2025from €959,163 to €602,242 ▼ 37.2% View
  • Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View

By topic

Financials

Financial year
2025
Turnover
€73.4m
Profit
€602,242
Solvency
24.7%
Turnover▼ 5.7%
Net result
20182025
Go to Financials

Board & ownership

Board
2 members
Parent
IM INVEST · 100%
  • FP INVEST nvDirector
  • IM INVEST bvManaging director
Go to Board & ownership

Timeline

Events
28
Since
2003
Next accounts
by 31-07-2027
  1. 06-07-2024Annual accounts filed
  2. 31-12-2023Highest result from 2018 to 2025
  3. 31-12-2023Equity above €5m
Go to Timeline

Company details

Sites
2
Legal form
Public limited company
Activity
Retail sale of cars and light vans (up…NACE 47811
Founded
21-05-2002
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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