AS AUTO
ActiveAS AUTO has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €570k and a net result of €2k. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 43% of 379 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
64
/ 100
Healthy▼ -5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability2▼-46
Solvency66▲+3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 1.51 against 1.48 in 2024), but 64.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Sector 47
higher
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
35.1%
Return on assets
0.1%
Age of the figures
8 mo
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
38 d early
2023
37 d early
2022
37 d early
2021
30 d late
2020
31 d late
2019
34 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€2k▼ 96.4%
2024 · €55k
2018: €-11k
2019: €7k
2020: €13k
2021: €165k
2022: €6k
2023: €29k
2024: €55k
2018 → 2025
Working capital
€525k▲ 1.0%
2024 · €520k
2018: €236k
2019: €247k
2020: €298k
2021: €409k
2022: €438k
2023: €472k
2024: €520k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€479k-€485k▲ 1.3%€514k▲ 5.9%€568k▲ 10.7%€570k▲ 0.3%
Operating result€222k-€28k▼ 87.5%€69k▲ 151%€102k▲ 46.8%€28k▼ 72.8%
Net result€165k-€6k▼ 96.3%€29k▲ 369%€55k▲ 91.3%€2k▼ 96.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 73% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.62M
Fixed assets
€71k▼ 28.6%
Current assets
€1.55M▼ 3.6%
Equity and liabilities €1.62M
Equity
€570k▲ 0.3%
Debt
€1.05M▼ 7.8%
The debt ratio falls from 66.8% to 64.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€61k▼
2024 · €136k
Cash flow
€35k▼
2024 · €89k
Solvency
35.1%▲
2024 · 33.2%
Current ratio
1.51▲
2024 · 1.48
Quick ratio
0.08▲
2024 · 0.07
Debt / equity
1.85▼
2024 · 2.01
ROE
0.3%▼
2024 · 9.6%
ROA
0.1%▼
2024 · 3.2%
Interest coverage
2.45▼
2024 · 4.17
Debt
€1.05M▼
2024 · €1.14M
Debt ≤ 1 year
€1.03M▼
2024 · €1.09M
Debt > 1 year
€20k▼
2024 · €44k
Income taxes
€3k▼
2024 · €18k
Staff costs
€243k▼
2024 · €260k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.71M€1.62M▼
Fixed assets21/28€99k€71k▼
Intangible fixed assets21€431€0▼
Tangible fixed assets22/27€98k€70k▼
Plant, machinery and equipment23€37k€30k▼
Furniture and vehicles24€21k€9k▼
Other tangible fixed assets26€40k€32k▼
Financial fixed assets28€185€185=
Current assets29/58€1.61M€1.55M▼
Stocks and contracts in progress3€1.53M€1.47M▼
Stocks30/36€1.53M€1.47M▼
Amounts receivable within one year40/41€58k€64k▲
Trade receivables40€58k€64k▲
Cash at bank and in hand54/58€21k€8k▼
Deferred charges and accrued income490/1€2k€6k▲
Equity and liabilities
Total equity and liabilities10/49€1.71M€1.62M▼
Equity10/15€568k€570k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€36k€36k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€30k€30k=
Profit (loss) carried forward14€471k€473k▲
Amounts payable17/49€1.14M€1.05M▼
Amounts payable after more than one year17€44k€20k▼
Financial debts170/4€44k€20k▼
Amounts payable within one year42/48€1.09M€1.03M▼
Current portion of amounts payable after more than one year42€25k€24k▼
Financial debts43€500k€400k▼
Credit institutions430/8€500k€400k▼
Trade debts44€355k€427k▲
Suppliers440/4€355k€427k▲
Taxes, remuneration and social security45€122k€144k▲
Taxes450/3€110k€130k▲
Remuneration and social security454/9€12k€13k▲
Other amounts payable47/48€89k€32k▼
Accrued charges and deferred income492/3€7k€5k▼
Income statement
Code20242025
Remuneration, social security and pensions62€260k€243k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€33k▼
Other operating charges640/8€10k€11k▲
Non-recurring operating charges66A-€24k
Gross operating margin9900€406k€339k▼
Operating profit (loss)9901€102k€28k▼
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€33k€25k▼
Recurring financial charges65€33k€25k▼
Profit (loss) for the period before taxes9903€72k€5k▼
Income taxes67/77€18k€3k▼
Profit (loss) for the period9904€55k€2k▼
Profit (loss) for the period to be appropriated9905€55k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€471k€473k▲
Profit (loss) brought forward from the previous period14P€416k€471k▲
Social balance
Average headcount (FTE)90874.54.0▼
The notes to these accounts (22 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-09
State Gazette act
Merger · Accounting effectMerger · Accounting effect · Corporate purpose12 facts ▸
State Gazette act
Merger · Accounting effect
Merger · Accounting effect · Corporate purpose12 facts ▸
- Merger, 1 action de la SRL AS INVESTMENT contre 6,59 actions nouvelles de la S.A. AS AUTO
- Accounting effect, 2026-01-01
- Corporate purpose, La société a pour objet: -la réparation de véhicules automobiles... [long list of activities including auto repair, trade, construction, etc.]
- Corporate purpose, La société a pour objet, tant en Belgique qu'à l'étranger, pour son compte, toutes activités et opérations d'une société d'investissement et de holding, en ce c…
- Shareholding, 99,67%
- Shareholding, 0,33%
- Shareholding, 100%
- Shareholding, 100%
- Merger, 1ère fusion, fait l'objet d'un 1er projet de fusion, réunion de toutes les actions en une seule main
- Notary, Welkenraedt
- Auditor fees, 5000 € (+ TVA)
- Capital increase, €602.758,26
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €500kEq €514k ▲5.9%
5 profitable years in a row build equity to €514k.
24-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
31-12
Financial
Highest result since 2018net €165k ▲1160%
Operating result €222k, net result €165k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 34 days late
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Lontzen · 3 establishment units since 2003
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.
Rue de Tivoli 274710 LontzenGround area
1.2 ha
Building footprint
1,422 m²
Volume, LiDAR
7,342 m³
3 parcels, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
3 establishment units
Rue de Tivoli 27, 4710 Lontzen
since 20032.131.607.860
AS AUTO
since 20092.179.255.349
AS AUTO
since 20192.295.599.624
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63048G0059/00T000 | Wallonia | 8,669 m² | 1 · 636 m² | 7.8 m · 2 fl. |
| 63048E0314/00G002 | Wallonia | 1,956 m² | 1 · 653 m² | 5.3 m · 2 fl. |
| 63048D0327/00G002 | Wallonia | 1,429 m² | 1 · 133 m² | 7.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Acquisitions and mergers
1 transactionTook over:AS INVESTMENT
Capital and shareholders
Similar companies · same sector, comparable size
Etablissements Pierard frères
BE 0414.117.249
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Boel Invest
BE 0466.726.683
Sint-Niklaas · Eq €569k
COCQUYT Guido
BE 0439.782.162
Damme · Eq €569k
DENYS
BE 0468.858.606
Tielt · Eq €572k
JUJENIO
BE 0876.987.886
Ukkel · Eq €568k
Of 10,620 companies in sector 47811 we hold annual accounts for 5,193. 3,363 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded09-04-2003
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50103
50200
45112
45194
46180Agents specialised in the wholesale of other particular products
46496Wholesale trade
46713Wholesale trade
47640Retail sale of games and toys
47650Retail trade
50102
50104
51476
52489
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.