AUGEM
ActiveSummary
AUGEM has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €305,967 and a net result of €29,714. Equity is growing by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 42% of 10519 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability72▲+18
Solvency55▲+4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19,000 at 30 days acceptable
Liquidity tight (current ratio 1.22 against 1.18 in 2024; short-term debt: 48.5% and cash: 13.9% of total assets), and 69.9% of the assets are financed with debt.
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Signals
Five 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
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
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
30.1%
Return on assets
2.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
92 d late
2023
31 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
68 d 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 45 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 31 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€29,714
2024 · -€928
Working capital
€107,949▲ 12.3%
2024 · €96,141
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€106,980€29,080▼ 72.8%€66,330▲ 128%€16,716▼ 74.8%€53,588▲ 221%
Net result€79,717within the sector's middle half€22,902within the sector's middle half▼ 71.3%€40,453within the sector's middle half▲ 76.6%-€928within the sector's middle half€29,714within the sector's middle half
Equity€213,826within the sector's middle half▲ 59.4%€236,729within the sector's middle half▲ 10.7%€277,181within the sector's middle half▲ 17.1%€276,253within the sector's middle half▼ 0.3%€305,967within the sector's middle half▲ 10.8%
Total assets€759,192within the sector's middle half▲ 32.4%€988,643within the sector's middle half▲ 30.2%€1.1mwithin the sector's middle half▲ 15.8%€1.1mwithin the sector's middle half▼ 7.9%€1.0mwithin the sector's middle half▼ 3.6%
Debt€545,366▲ 24.1%€751,914▲ 37.9%€867,757▲ 15.4%€777,745▼ 10.4%€709,634▼ 8.8%
Working capital€99,204within the sector's middle half▲ 141%€129,982within the sector's middle half▲ 31.0%€132,050within the sector's middle half▲ 1.6%€96,141within the sector's middle half▼ 27.2%€107,949within the sector's middle half▲ 12.3%
Solvency28.2%within the sector's middle half▲ 4.8pp23.9%within the sector's middle half▼ 4.2pp24.2%within the sector's middle half▲ 0.3pp26.2%within the sector's middle half▲ 2.0pp30.1%within the sector's middle half▲ 3.9pp
Current ratio1.23within the sector's middle half▲ 0.101.30within the sector's middle half▲ 0.071.23within the sector's middle half▼ 0.061.18within the sector's middle half▼ 0.051.22within the sector's middle half▲ 0.04
Return on assets (ROA)10.5%within the sector's middle half▲ 12.7pp2.3%within the sector's middle half▼ 8.2pp3.5%within the sector's middle half▲ 1.2pp-0.1%within the sector's middle half▼ 3.6pp2.9%within the sector's middle half▲ 3.0pp
Staff (FTE)7.1within the sector's middle half▼ 11.3%7.2within the sector's middle half▲ 1.4%7.3within the sector's middle half▲ 1.4%7.3within the sector's middle half=9.1above the sector's middle half▲ 24.7%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 221% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.0m
Fixed assets
€415,099 ▼ 3.6%
Current assets
€600,501 ▼ 3.7%
Equity and liabilities €1.0m
Equity
€305,967 ▲ 10.8%
Debt
€709,634 ▼ 8.8%
Debt's share of the balance-sheet total falls from 73.8% to 69.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€116,086▲
2024 · €73,702
Cash flow
€92,212▲
2024 · €56,058
Quick ratio
0.91▲
2024 · 0.91
Debt to equity
2.32▼
2024 · 2.82
ROE
9.7%▲
2024 · -0.3%
Interest coverage
8.50▲
2024 · 4.20
Debt ≤ 1 year
€492,552▼
2024 · €527,395
Debt > 1 year
€217,081▼
2024 · €250,349
Income taxes
€11,945▲
2024 · €2,359
Staff costs
€405,101▲
2024 · €338,268
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 10,905 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.6%
went bankrupt
4.0%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 10,905 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €280,048 | €282,322 | €314,287 | €338,268 | €405,101 | ▲ 19.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €35,998 | €45,297 | €56,825 | €56,986 | €62,498 | ▲ 9.7% |
| Other operating charges640/8 | €105,519 | €174,062 | €100,641 | €123,544 | €28,717 | ▼ 76.8% |
| Gross operating margin9900 | €528,545 | €530,760 | €538,084 | €535,513 | €549,903 | ▲ 2.7% |
| Operating profit (loss)9901 | €106,980 | €29,080 | €66,330 | €16,716 | €53,588 | ▲ 221% |
| Financial income75/76B | €859 | €305 | €313 | €2,275 | €1,736 | ▼ 23.7% |
| Recurring financial income75 | €859 | €305 | €313 | €2,275 | €1,736 | ▼ 23.7% |
| Financial charges65/66B | €6,551 | €6,482 | €17,067 | €17,561 | €13,665 | ▼ 22.2% |
| Recurring financial charges65 | €6,551 | €6,482 | €17,067 | €17,561 | €13,665 | ▼ 22.2% |
| Profit (loss) for the period before taxes9903 | €101,289 | €22,902 | €49,577 | €1,430 | €41,658 | ▲ 2,812% |
| Income taxes67/77 | €21,572 | - | €9,124 | €2,359 | €11,945 | ▲ 406% |
| Profit (loss) for the period9904 | €79,717 | €22,902 | €40,453 | -€928 | €29,714 | ▲ 3,301% |
| Profit (loss) for the period to be appropriated9905 | €79,717 | €22,902 | €40,453 | -€928 | €29,714 | ▲ 3,301% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €759,192 | €988,643 | €1.1m | €1.1m | €1.0m | ▼ 3.6% |
| Fixed assets21/28 | €222,583 | €420,115 | €442,704 | €430,462 | €415,099 | ▼ 3.6% |
| Tangible fixed assets22/27 | €220,546 | €418,078 | €440,428 | €427,893 | €412,823 | ▼ 3.5% |
| Land and buildings22 | €75,411 | €296,180 | €333,658 | €315,329 | €296,951 | ▼ 5.8% |
| Plant, machinery and equipment23 | €51,796 | €41,408 | €36,210 | €30,145 | €20,824 | ▼ 30.9% |
| Furniture and vehicles24 | €93,340 | €80,490 | €70,560 | €82,419 | €95,048 | ▲ 15.3% |
| Financial fixed assets28 | €2,037 | €2,037 | €2,276 | €2,569 | €2,276 | ▼ 11.4% |
| Current assets29/58 | €536,609 | €568,528 | €702,234 | €623,536 | €600,501 | ▼ 3.7% |
| Stocks and contracts in progress3 | €116,978 | €134,191 | €139,064 | €144,654 | €150,714 | ▲ 4.2% |
| Stocks30/36 | €116,978 | €134,191 | €139,064 | €144,654 | €150,714 | ▲ 4.2% |
| Amounts receivable within one year40/41 | €151,736 | €196,096 | €215,548 | €240,415 | €194,751 | ▼ 19.0% |
| Trade receivables40 | €143,877 | €165,147 | €204,397 | €227,699 | €184,516 | ▼ 19.0% |
| Other amounts receivable41 | €7,859 | €30,949 | €11,151 | €12,716 | €10,235 | ▼ 19.5% |
| Current investments50/53 | - | - | €98,870 | €101,201 | €102,466 | ▲ 1.2% |
| Cash at bank and in hand54/58 | €253,945 | €216,172 | €227,197 | €127,094 | €141,093 | ▲ 11.0% |
| Deferred charges and accrued income490/1 | €13,950 | €22,069 | €21,555 | €10,172 | €11,478 | ▲ 12.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €759,192 | €988,643 | €1.1m | €1.1m | €1.0m | ▼ 3.6% |
| Equity10/15 | €213,826 | €236,729 | €277,181 | €276,253 | €305,967 | ▲ 10.8% |
| Contributions10/11 | €96,000 | €96,000 | €96,000 | €96,000 | €96,000 | = |
| Reserves13 | €38,343 | €38,343 | €38,343 | €38,343 | €38,343 | = |
| Non-distributable reserves130/1 | €10,000 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Reserves not available under the articles1311 | €10,000 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Distributable reserves133 | €28,343 | €28,343 | €28,343 | €28,343 | €28,343 | = |
| Profit (loss) carried forward14 | €79,484 | €102,386 | €142,839 | €141,911 | €171,625 | ▲ 20.9% |
| Amounts payable17/49 | €545,366 | €751,914 | €867,757 | €777,745 | €709,634 | ▼ 8.8% |
| Amounts payable after more than one year17 | €107,961 | €313,368 | €297,573 | €250,349 | €217,081 | ▼ 13.3% |
| Financial debts170/4 | €107,961 | €313,368 | €297,573 | €250,349 | €217,081 | ▼ 13.3% |
| Amounts payable within one year42/48 | €437,405 | €438,546 | €570,185 | €527,395 | €492,552 | ▼ 6.6% |
| Current portion of amounts payable after more than one year42 | €43,713 | €42,086 | €70,445 | €61,699 | €53,528 | ▼ 13.2% |
| Trade debts44 | €348,361 | €372,185 | €470,398 | €426,635 | €390,272 | ▼ 8.5% |
| Suppliers440/4 | €348,361 | €372,185 | €470,398 | €426,635 | €390,272 | ▼ 8.5% |
| Taxes, remuneration and social security45 | €45,018 | €23,778 | €28,733 | €36,026 | €48,512 | ▲ 34.7% |
| Taxes450/3 | €21,438 | - | €14,267 | €19,006 | €17,574 | ▼ 7.5% |
| Remuneration and social security454/9 | €23,580 | €23,778 | €14,467 | €17,020 | €30,938 | ▲ 81.8% |
| Other amounts payable47/48 | €313 | €497 | €608 | €3,036 | €240 | ▼ 92.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €79,717 | €22,902 | €40,453 | -€928 | €29,714 | ▲ 3,301% |
| + Depreciation and write-downs630 | €35,998 | €45,297 | €56,825 | €56,986 | €62,498 | ▲ 9.7% |
| Operating cash flow (approximation) | €115,715 | €68,199 | €97,278 | €56,058 | €92,212 | ▲ 64.5% |
| Investment in fixed assets (approximation) | - | -€242,829 | -€79,415 | -€44,743 | -€47,136 | ▼ 5.3% |
| Change in cash | - | -€37,773 | €11,025 | -€100,103 | €13,999 | ▲ 114% |
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
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Back to profitnet €29,714
Net result €29,714 after one loss-making year.
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 92 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 31 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Back to profitnet €79,717
Net result €79,717 after one loss-making year.
31-12
Financial
Equity above €200,000Eq €213,826 ▲59.4%
Equity rises from €134,109 to €213,826.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet -€12,679
Net result drops to -€12,679, the lowest in the series; recovery starts the following year.
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 68 days late
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Gembloux · 1 establishment unit since 2009
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.
Campagne d'Enée 105030 Gembloux1 establishment unit
AUTO 5 GEMBLOUX
since 20092.179.564.165
Structure & network
Owners and holdings
1 ownerChain of control
- ASSISTANCE ET SYSTEMES
- AUGEM
Highest known parent: ASSISTANCE ET SYSTEMES. The sources do not say who stands above it.
Owners 1
-
80%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 2,445 companies in sector 47820 we hold annual accounts for 780. 533 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-06-2009
Fiscal year end31-12
Activities, NACEBEL 2025
47820Retail sale of motor vehicle parts and accessories
95316Washing and cleaning of motor vehicles
95319Other maintenance and repair of motor vehicles
52210Service activities incidental to land transportation
95314Bodywork repair (including spraying and painting)
Contact
Phone
0475/43.75.94Gembloux
Phone
081/61.28.50Gembloux
E-invoicing
Reachable via Peppol
Peppol ID
0208:0812708560
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.