AUTO 32 PLUS
ActiveSummary
AUTO 32 PLUS has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €118,565 and a net result of €24,422. Equity is growing by ~23.5% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability78▼-12
Solvency100=
Growth60▼-3
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 at 30 days acceptable
Liquidity ample (current ratio 7.1 against 3.26 in 2024; short-term debt: 11.7% and cash: 37.3% of total assets), and 11.7% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-09-2026, 60 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
60 d late
2024
16 d early
2023
23 d early
2022
88 d late
2021
61 d late
2020
107 d late
2019
118 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 56 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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 29 September (4 of the last 5 filed years within 76 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
€472,580▼ 16.6%
2024 · €566,418
EBIT margin
5.6%▼ 5.1pp
2024 · 10.6%
Net result
€24,422▼ 55.9%
2024 · €55,390
Working capital
€95,648▲ 23.1%
2024 · €77,703
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€501,639▲ 10.8%€534,726▲ 6.6%€526,139▼ 1.6%€566,418▲ 7.7%€472,580▼ 16.6%
Operating result€9,923▼ 51.4%-€2,594€24,507€60,217▲ 146%€26,259▼ 56.4%
Net result€8,262within the sector's middle half▼ 42.6%-€14,362below the sector's middle half€21,499above the sector's middle half€55,390above the sector's middle half▲ 158%€24,422▼ 55.9%
EBIT margin2.0%▼ 2.5pp-0.5%▼ 2.5pp4.7%▲ 5.1pp10.6%▲ 6.0pp5.6%▼ 5.1pp
Equity€48,616below the sector's middle half▲ 20.5%€34,254within the sector's middle half▼ 29.5%€55,753within the sector's middle half▲ 62.8%€111,143within the sector's middle half▲ 99.3%€118,565▲ 6.7%
Total assets€98,856below the sector's middle half▼ 13.1%€127,822within the sector's middle half▲ 29.3%€101,610within the sector's middle half▼ 20.5%€145,457within the sector's middle half▲ 43.2%€134,251▼ 7.7%
Debt€50,240▼ 31.5%€93,568▲ 86.2%€45,857▼ 51.0%€34,314▼ 25.2%€15,685▼ 54.3%
Working capital€47,439within the sector's middle half▲ 20.3%€33,289within the sector's middle half▼ 29.8%€10,910within the sector's middle half▼ 67.2%€77,703within the sector's middle half▲ 612%€95,648▲ 23.1%
Solvency49.2%within the sector's middle half▲ 13.7pp26.8%within the sector's middle half▼ 22.4pp54.9%within the sector's middle half▲ 28.1pp76.4%above the sector's middle half▲ 21.5pp88.3%▲ 11.9pp
Current ratio1.94within the sector's middle half▲ 0.411.36within the sector's middle half▼ 0.591.24within the sector's middle half▼ 0.123.26above the sector's middle half▲ 2.037.10▲ 3.83
Return on assets (ROA)8.4%within the sector's middle half▼ 4.3pp-11.2%below the sector's middle half▼ 19.6pp21.2%above the sector's middle half▲ 32.4pp38.1%above the sector's middle half▲ 16.9pp18.2%▼ 19.9pp
Staff (FTE)
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 falls in 2025; 2025 is 56% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €134,251
Fixed assets
€22,918 ▼ 31.5%
Current assets
€111,333 ▼ 0.6%
Equity and liabilities €134,251
Equity
€118,565 ▲ 6.7%
Debt
€15,685 ▼ 54.3%
Debt's share of the balance-sheet total falls from 23.6% to 11.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€37,384▼
2024 · €71,621
Cash flow
€35,547▼
2024 · €66,793
Quick ratio
4.21▲
2024 · 1.92
Debt to equity
0.13▼
2024 · 0.31
ROE
20.6%▼
2024 · 49.8%
Interest coverage
39.35▼
2024 · 65.16
Debt ≤ 1 year
€15,685▼
2024 · €34,314
Income taxes
€887▼
2024 · €4,159
Staff costs
€1,662
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,371 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.5%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 31,371 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 |
|---|---|---|---|---|---|---|
| Turnover70 | €501,639 | €534,726 | €526,139 | €566,418 | €472,580 | ▼ 16.6% |
| Non-recurring operating income76A | €2,271 | €1,688 | - | €4,000 | €4,000 | = |
| Goods, raw materials, services and sundry goods60/61 | €460,061 | €500,596 | €483,551 | €497,487 | €437,173 | ▼ 12.1% |
| Remuneration, social security and pensions62 | €32,220 | €37,941 | €1,818 | - | €1,662 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,308 | €279 | €11,165 | €11,403 | €11,124 | ▼ 2.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €0 | - | - | - | - | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | €0 | - | - | - | - | - |
| Other operating charges640/8 | €188 | €193 | €5,098 | €1,311 | €361 | ▼ 72.5% |
| Operating charges capitalised as restructuring costs649 | €0 | - | - | - | - | - |
| Non-recurring operating charges66A | €210 | - | - | - | - | - |
| Gross operating margin9900 | €43,848 | €35,819 | €42,588 | €72,932 | €39,407 | ▼ 46.0% |
| Operating profit (loss)9901 | €9,923 | -€2,594 | €24,507 | €60,217 | €26,259 | ▼ 56.4% |
| Financial income75/76B | - | - | €200 | €431 | - | - |
| Recurring financial income75 | - | - | €200 | €431 | - | - |
| Financial charges65/66B | €1,660 | €10,228 | €1,212 | €1,099 | €950 | ▼ 13.6% |
| Recurring financial charges65 | €1,660 | €10,228 | €1,212 | €1,099 | €950 | ▼ 13.6% |
| Profit (loss) for the period before taxes9903 | €8,262 | -€12,823 | €23,495 | €59,550 | €25,309 | ▼ 57.5% |
| Income taxes67/77 | - | €1,539 | €1,996 | €4,159 | €887 | ▼ 78.7% |
| Profit (loss) for the period9904 | €8,262 | -€14,362 | €21,499 | €55,390 | €24,422 | ▼ 55.9% |
| Profit (loss) for the period to be appropriated9905 | €8,262 | -€14,362 | €21,499 | €55,390 | €24,422 | ▼ 55.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €98,856 | €127,822 | €101,610 | €145,457 | €134,251 | ▼ 7.7% |
| Formation expenses20 | €0 | - | - | - | - | - |
| Fixed assets21/28 | €1,177 | €965 | €44,844 | €33,440 | €22,918 | ▼ 31.5% |
| Tangible fixed assets22/27 | €1,177 | €898 | €44,777 | €33,373 | €22,851 | ▼ 31.5% |
| Furniture and vehicles24 | €1,177 | €898 | €44,777 | €33,373 | €22,851 | ▼ 31.5% |
| Financial fixed assets28 | - | €67 | €67 | €67 | €67 | = |
| Current assets29/58 | €97,679 | €126,858 | €56,766 | €112,017 | €111,333 | ▼ 0.6% |
| Amounts receivable after more than one year29 | €0 | - | - | - | - | - |
| Trade receivables290 | €0 | - | - | - | - | - |
| Other amounts receivable291 | €0 | - | - | - | - | - |
| Stocks and contracts in progress3 | €61,555 | €63,421 | €47,401 | €46,295 | €45,293 | ▼ 2.2% |
| Stocks30/36 | €61,555 | €63,421 | €47,401 | €46,295 | €45,293 | ▼ 2.2% |
| Contracts in progress37 | €0 | - | - | - | - | - |
| Amounts receivable within one year40/41 | €6,882 | €41,107 | €6,279 | €10,194 | €15,845 | ▲ 55.4% |
| Trade receivables40 | €0 | - | - | €1,289 | €2,940 | ▲ 128% |
| Other amounts receivable41 | €6,882 | €41,107 | €6,279 | €8,905 | €12,905 | ▲ 44.9% |
| Current investments50/53 | €0 | - | - | - | - | - |
| Cash at bank and in hand54/58 | €28,213 | €22,330 | €3,087 | €55,527 | €50,075 | ▼ 9.8% |
| Deferred charges and accrued income490/1 | €1,029 | - | - | - | €120 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €98,856 | €127,822 | €101,610 | €145,457 | €134,251 | ▼ 7.7% |
| Equity10/15 | €48,616 | €34,254 | €55,753 | €111,143 | €118,565 | ▲ 6.7% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Capital10 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Issued capital100 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Legal reserve130 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Profit (loss) carried forward14 | €28,165 | €13,803 | €35,302 | €90,692 | €98,114 | ▲ 8.2% |
| Amounts payable17/49 | €50,240 | €93,568 | €45,857 | €34,314 | €15,685 | ▼ 54.3% |
| Amounts payable within one year42/48 | €50,240 | €93,568 | €45,857 | €34,314 | €15,685 | ▼ 54.3% |
| Financial debts43 | €1,911 | €11,969 | - | - | - | - |
| Credit institutions430/8 | €1,911 | €6,930 | - | - | - | - |
| Other loans439 | - | €5,039 | - | - | - | - |
| Trade debts44 | €23,367 | €59,855 | €15,173 | €5,654 | €4,398 | ▼ 22.2% |
| Suppliers440/4 | €23,367 | €59,855 | €15,173 | €5,654 | €4,398 | ▼ 22.2% |
| Taxes, remuneration and social security45 | €24,963 | €21,744 | €30,683 | €28,660 | €11,287 | ▼ 60.6% |
| Taxes450/3 | €24,503 | €21,744 | €30,683 | €28,660 | €11,287 | ▼ 60.6% |
| Remuneration and social security454/9 | €459 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,262 | -€14,362 | €21,499 | €55,390 | €24,422 | ▼ 55.9% |
| + Depreciation and write-downs630 | €1,308 | €279 | €11,165 | €11,403 | €11,124 | ▼ 2.4% |
| Operating cash flow (approximation) | €9,570 | -€14,083 | €32,664 | €66,793 | €35,547 | ▼ 46.8% |
| Investment in fixed assets (approximation) | - | -€67 | -€55,044 | €0 | -€602 | - |
| Change in cash | - | -€5,883 | -€19,243 | €52,440 | -€5,452 | ▼ 110% |
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
29-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 60 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 7.10
Current ratio from 3.26 to 7.10; short-term debt falls from €34,314 to €15,685.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €55,390 ▲158%
Operating result €60,217, net result €55,390, both a record.
31-12
Financial
Liquidity triplescurrent ratio 3.26
Current ratio from 1.24 to 3.26; short-term debt falls from €45,857 to €34,314.
31-12
Financial
Equity above €100,000Eq €111,143 ▲99.3%
2 profitable years in a row build equity to €111,143.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €21,499
Net result €21,499 after one loss-making year.
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 88 days late
2022
31-12
Financial
Weakest financial yearnet -€14,362
Net result drops to -€14,362, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 61 days late
2021
15-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 107 days late
Show earlier events
2020
31-12
Financial
Back to profitnet €14,385
Net result €14,385 after 2 loss-making years.
26-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 118 days late
2019
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 53 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Sint-Jans-Molenbeek · 1 establishment unit since 1997
Ground area
350 m²
Building footprint
213 m²
Volume, LiDAR
1,947 m³
2 parcels, Brussels · tallest building 12.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Heyvaertstraat 76, 1070 Anderlecht
since 19972.083.759.344
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21523B0946/00V004 | Brussels | 218 m² | 1 · 213 m² | 12.6 m · 3 fl. |
| 21304B0150/00D019 | Brussels | 132 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.
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Of 2,445 companies in sector 47820 we hold annual accounts for 780. 599 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 (pre-2019)
Founded11-09-1997
Fiscal year end31-12
Activities, NACEBEL 2025
47820Retail sale of motor vehicle parts and accessories
E-invoicing
Reachable via Peppol
Peppol ID
0208:0461409204
Registered
07-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.