AUTO BMA
ActiveSummary
The computed 12-month bankruptcy probability of AUTO BMA is 1.5% (moderate). The 2024 annual accounts show equity of €329,859 and a net result of €15,643. Equity is growing by ~26.4% per year across the filed fiscal years. Its solvency ranks better than 72% of 15872 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
The figures in the accounts for fiscal year 2024 give a score of 59 on their own. A confirmed filing finding caps the score. Each of these causes sets the same score on its own. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability45▼-20
Solvency92▲+16
Growth68▼-17
Track record94
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €19,000 at 30 days only on tighter terms
Liquidity ample (current ratio 2.83 against 1.94 in 2023; short-term debt: 33.2% and cash: 1.2% of total assets), and 33.2% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-02-2026, 185 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
185 d late
2023
29 d late
2022
1 d late
2021
17 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 50 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
€2.7m▼ 25.7%
2022 · €3.7m
EBIT margin
2.8%▼ 4.1pp
2022 · 7.0%
Net result
€15,643▼ 73.8%
2023 · €59,613
Working capital
€299,962▲ 5.1%
2023 · €285,405
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale 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
Line2021202220232024
Turnover€708,389-€3.7m▲ 417%€2.7m▼ 25.7%
Operating result€67,059-€254,961▲ 280%€77,424▼ 69.6%€19,727▼ 74.5%
Net result€53,851above the sector's middle half-€196,752above the sector's middle half▲ 265%€59,613above the sector's middle half▼ 69.7%€15,643within the sector's middle half▼ 73.8%
EBIT margin9.5%-7.0%▼ 2.5pp2.8%▼ 4.1pp
Equity€57,851within the sector's middle half-€254,603above the sector's middle half▲ 340%€314,216above the sector's middle half▲ 23.4%€329,859above the sector's middle half▲ 5.0%
Total assets€289,259within the sector's middle half-€1.0mabove the sector's middle half▲ 252%€619,027above the sector's middle half▼ 39.2%€494,029above the sector's middle half▼ 20.2%
Debt€231,408-€764,206▲ 230%€304,811▼ 60.1%€164,171▼ 46.1%
Working capital€49,177within the sector's middle half-€227,791above the sector's middle half▲ 363%€285,405above the sector's middle half▲ 25.3%€299,962above the sector's middle half▲ 5.1%
Solvency20.0%within the sector's middle half-25.0%within the sector's middle half▲ 5.0pp50.8%within the sector's middle half▲ 25.8pp66.8%within the sector's middle half▲ 16.0pp
Current ratio1.21within the sector's middle half-1.30within the sector's middle half▲ 0.091.94within the sector's middle half▲ 0.642.83within the sector's middle half▲ 0.89
Return on assets (ROA)18.6%above the sector's middle half-19.3%above the sector's middle half▲ 0.7pp9.6%within the sector's middle half▼ 9.7pp3.2%within the sector's middle half▼ 6.5pp
Staff (FTE)1-1.1▲ 10.0%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 75% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €494,029
Fixed assets
€29,896 ▲ 3.8%
Current assets
€464,133 ▼ 21.4%
Equity and liabilities €494,029
Equity
€329,859 ▲ 5.0%
Debt
€164,171 ▼ 46.1%
Debt's share of the balance-sheet total falls from 49.2% to 33.2%. Equity is higher and debt is lower.
Key figures and ratios
Quick ratio
1.22▲
2023 · 0.02
Debt to equity
0.50▼
2023 · 0.97
ROE
4.7%▼
2023 · 19.0%
Debt ≤ 1 year
€164,171▼
2023 · €304,811
Income taxes
€3,911▼
2023 · €16,318
Staff costs
€6,406▼
2023 · €38,994
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,639 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 95% are still going.
- Small
- 5 to 10 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.4%
went bankrupt
3.6%
stopped otherwise
95%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.5% 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 497,662 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 1,639 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 | Change |
|---|---|---|---|---|---|
| Turnover70 | €708,389 | €3.7m | €2.7m | - | - |
| Goods, raw materials, services and sundry goods60/61 | €630,398 | €3.4m | €2.6m | - | - |
| Remuneration, social security and pensions62 | €9,308 | €30,602 | €38,994 | €6,406 | ▼ 83.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,495 | €3,897 | €8,042 | - | - |
| Other operating charges640/8 | €130 | €3,517 | €3,795 | €1,873 | ▼ 50.6% |
| Non-recurring operating charges66A | - | - | €500 | - | - |
| Gross operating margin9900 | €77,991 | €292,976 | €128,755 | €28,006 | ▼ 78.2% |
| Operating profit (loss)9901 | €67,059 | €254,961 | €77,424 | €19,727 | ▼ 74.5% |
| Financial income75/76B | - | - | €1 | - | - |
| Recurring financial income75 | - | - | €1 | - | - |
| Financial charges65/66B | €354 | €1,127 | €1,494 | €174 | ▼ 88.4% |
| Recurring financial charges65 | €354 | €1,127 | €1,494 | €174 | ▼ 88.4% |
| Profit (loss) for the period before taxes9903 | €66,705 | €253,834 | €75,931 | €19,553 | ▼ 74.2% |
| Income taxes67/77 | €12,854 | €57,081 | €16,318 | €3,911 | ▼ 76.0% |
| Profit (loss) for the period9904 | €53,851 | €196,752 | €59,613 | €15,643 | ▼ 73.8% |
| Profit (loss) for the period to be appropriated9905 | €53,851 | €196,752 | €59,613 | €15,643 | ▼ 73.8% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €289,259 | €1.0m | €619,027 | €494,029 | ▼ 20.2% |
| Fixed assets21/28 | €8,674 | €26,812 | €28,811 | €29,896 | ▲ 3.8% |
| Tangible fixed assets22/27 | €8,246 | €26,384 | €28,383 | €29,469 | ▲ 3.8% |
| Plant, machinery and equipment23 | €5,712 | €6,017 | €4,373 | €4,373 | = |
| Furniture and vehicles24 | €2,534 | €6,268 | €3,187 | €4,272 | ▲ 34.1% |
| Other tangible fixed assets26 | - | €14,100 | €20,824 | €20,824 | = |
| Financial fixed assets28 | €427 | €427 | €427 | €427 | = |
| Current assets29/58 | €280,585 | €991,997 | €590,217 | €464,133 | ▼ 21.4% |
| Stocks and contracts in progress3 | €193,616 | €706,505 | €582,717 | €263,349 | ▼ 54.8% |
| Stocks30/36 | €193,616 | €706,505 | €582,717 | €263,349 | ▼ 54.8% |
| Amounts receivable within one year40/41 | €30,712 | - | €4,546 | €195,082 | ▲ 4,192% |
| Trade receivables40 | €30,712 | - | €1,014 | €171,126 | ▲ 16,770% |
| Other amounts receivable41 | - | - | €3,531 | €23,957 | ▲ 578% |
| Cash at bank and in hand54/58 | €56,257 | €285,493 | €2,954 | €5,702 | ▲ 93.0% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €289,259 | €1.0m | €619,027 | €494,029 | ▼ 20.2% |
| Equity10/15 | €57,851 | €254,603 | €314,216 | €329,859 | ▲ 5.0% |
| Contributions10/11 | €4,000 | €4,000 | €4,000 | €4,000 | = |
| Outside capital11 | - | - | - | €4,000 | - |
| Other1109/19 | - | - | - | €4,000 | - |
| Profit (loss) carried forward14 | €53,851 | €250,603 | €310,216 | €325,859 | ▲ 5.0% |
| Amounts payable17/49 | €231,408 | €764,206 | €304,811 | €164,171 | ▼ 46.1% |
| Amounts payable within one year42/48 | €231,408 | €764,206 | €304,811 | €164,171 | ▼ 46.1% |
| Trade debts44 | €3,810 | €31,179 | €13,358 | €47,998 | ▲ 259% |
| Suppliers440/4 | €3,810 | €31,179 | €13,358 | €47,998 | ▲ 259% |
| Advances received on contracts in progress46 | €10,055 | €8,160 | €31,193 | - | - |
| Taxes, remuneration and social security45 | €15,574 | €86,746 | €88,288 | €74,836 | ▼ 15.2% |
| Taxes450/3 | €14,738 | €84,707 | €84,799 | €68,347 | ▼ 19.4% |
| Remuneration and social security454/9 | €836 | €2,039 | €3,488 | €6,488 | ▲ 86.0% |
| Other amounts payable47/48 | €201,969 | €638,121 | €171,972 | €41,337 | ▼ 76.0% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €53,851 | €196,752 | €59,613 | €15,643 | ▼ 73.8% |
| + Depreciation and write-downs630 | €1,495 | €3,897 | €8,042 | - | - |
| Operating cash flow (approximation) | €55,346 | €200,649 | €67,654 | €15,643 | ▼ 76.9% |
| Investment in fixed assets (approximation) | - | -€22,035 | -€10,040 | -€1,086 | ▲ 89.2% |
| Change in cash | - | €229,236 | -€282,538 | €2,748 | ▲ 101% |
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
2026
01-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 185 days late
2024
31-12
Financial
Weakest financial yearnet €15,643 ▼73.8%
Net result drops to €15,643, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
31-12
Financial
Highest result since 2021net €196,752 ▲265%
Operating result €254,961, net result €196,752, both a record.
31-12
Financial
Equity above €200,000Eq €254,603 ▲340%
2 profitable years in a row build equity to €254,603.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Kortenberg · 1 establishment unit since 2021
Ground area
1,872 m²
Building footprint
241 m²
Volume, LiDAR
1,108 m³
Parcel 24025F0395/00F000, Flanders · tallest building 6.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
AUTO BMA
since 20212.315.726.233
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24025F0395/00F000 | Flanders | 1,872 m² | 1 · 241 m² | 6.9 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 2,129 companies in sector 46711 we hold annual accounts for 1,130. 713 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
Founded06-04-2021
Fiscal year end31-12
Activities, NACEBEL 2025
46711Wholesale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0766398186
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.