AUTO BUJAR
ActiveSummary
The computed 12-month bankruptcy probability of AUTO BUJAR is 2.1% (moderate). The 2025 annual accounts show equity of €117,866 and a net result of €43,841. Equity is growing by ~35.1% per year across the filed fiscal years. Its solvency ranks better than 68% of 18973 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
What stands out
Overview
0 of 5 deeds readAccounts 112 d earlyTurnover not published (abridged schema)
Why 63- Limited track record- Higher-failure-rate sector- Multiple establishment units- Higher-failure-rate region+ Annual accounts: healthy financial profileLatest accounts filed on timeShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability94▼-6
Solvency80▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity ample (current ratio 2.04 against 1.62 in 2024; short-term debt: 44.8% and cash: 6% of total assets), and 44.8% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
55.2%
Return on assets
20.5%
Age of the figures
9 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 10-04-2026, 112 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
112 d early
2024
67 d early
2023
90 d early
2022
170 d early
2021
48 d early
2020
109 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 63 days before 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 3 May (4 of the last 5 filed years within 41 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Equity above €100,000Eq €117,866 ▲25.4%
- Annual accounts filedfiscal year 2024 · micro…
Financials
Fiscal year 2025Total assets €213,627Profit €43,841Solvency 55.2%Liquidity 2.04
Total assets
€213,627▲ 21.3%
2020 - 2025
Net result
€43,841▼ 1.6%
2020 - 2025
Equity
€117,866▲ 25.4%
2020 - 2025
Solvency
55.2%▲ 1.8pp
2020 - 2025
Financials · fiscal year 2025, micro schema
Trend over the years
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
Operating result€56,087€28,280▼ 49.6%€43,393▲ 53.4%€68,881▲ 58.7%€68,896=
Net result€50,024above the sector's middle half€21,176above the sector's middle half▼ 57.7%€29,658above the sector's middle half▲ 40.1%€44,546above the sector's middle half▲ 50.2%€43,841above the sector's middle half▼ 1.6%
Equity€41,044within the sector's middle half€49,821within the sector's middle half▲ 21.4%€79,478within the sector's middle half▲ 59.5%€94,025within the sector's middle half▲ 18.3%€117,866within the sector's middle half▲ 25.4%
Total assets€69,433within the sector's middle half▲ 191%€118,177within the sector's middle half▲ 70.2%€106,211within the sector's middle half▼ 10.1%€176,128within the sector's middle half▲ 65.8%€213,627within the sector's middle half▲ 21.3%
Debt€28,389▼ 13.5%€68,356▲ 141%€26,733▼ 60.9%€82,103▲ 207%€95,762▲ 16.6%
Working capital€39,932within the sector's middle half€22,487within the sector's middle half▼ 43.7%€77,203within the sector's middle half▲ 243%€51,257within the sector's middle half▼ 33.6%€99,378above the sector's middle half▲ 93.9%
Solvency59.1%within the sector's middle half▲ 96.8pp42.2%within the sector's middle half▼ 17.0pp74.8%above the sector's middle half▲ 32.7pp53.4%within the sector's middle half▼ 21.4pp55.2%within the sector's middle half▲ 1.8pp
Current ratio2.41within the sector's middle half▲ 1.681.36within the sector's middle half▼ 1.053.98above the sector's middle half▲ 2.621.62within the sector's middle half▼ 2.352.04within the sector's middle half▲ 0.41
Return on assets (ROA)72.0%above the sector's middle half▲ 161.7pp17.9%above the sector's middle half▼ 54.1pp27.9%above the sector's middle half▲ 10.0pp25.3%above the sector's middle half▼ 2.6pp20.5%above the sector's middle half▼ 4.8pp
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.
Turnover and EBIT margin not published: the micro schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 0% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €213,627
Fixed assets
€18,488 ▼ 56.8%
Current assets
€195,140 ▲ 46.3%
Equity and liabilities €213,627
Equity
€117,866 ▲ 25.4%
Debt
€95,762 ▲ 16.6%
Debt's share of the balance-sheet total falls from 46.6% to 44.8%. Equity and debt are higher.
Key figures and ratios
Key figures and ratios
EBITDA
€74,457=
2024 · €74,445
Cash flow
€49,402▼
2024 · €50,110
Quick ratio
0.52▲
2024 · 0.36
Debt to equity
0.81▼
2024 · 0.87
ROE
37.2%▼
2024 · 47.4%
Interest coverage
38.90▼
2024 · 92.86
Debt ≤ 1 year
€95,762▲
2024 · €82,103
Income taxes
€25,726▲
2024 · €23,635
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
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: 2.1% 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 497,341 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 26,975 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.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €157 | €6,637 | €1,588 | €5,564 | €5,561 | ▼ 0.1% |
| Other operating charges640/8 | €1,089 | €2,978 | €6,820 | €7,066 | €11,272 | ▲ 59.5% |
| Gross operating margin9900 | €57,333 | €37,895 | €51,800 | €81,511 | €85,729 | ▲ 5.2% |
| Operating profit (loss)9901 | €56,087 | €28,280 | €43,393 | €68,881 | €68,896 | = |
| Financial income75/76B | €20 | €21 | €323 | €102 | €2,585 | ▲ 2,436% |
| Recurring financial income75 | €20 | €21 | €323 | €102 | €2,585 | ▲ 2,436% |
| Financial charges65/66B | €583 | €825 | €736 | €802 | €1,914 | ▲ 139% |
| Recurring financial charges65 | €583 | €825 | €736 | €802 | €1,914 | ▲ 139% |
| Profit (loss) for the period before taxes9903 | €55,524 | €27,476 | €42,980 | €68,181 | €69,567 | ▲ 2.0% |
| Income taxes67/77 | €5,500 | €6,300 | €13,322 | €23,635 | €25,726 | ▲ 8.8% |
| Profit (loss) for the period9904 | €50,024 | €21,176 | €29,658 | €44,546 | €43,841 | ▼ 1.6% |
| Profit (loss) for the period to be appropriated9905 | €50,024 | €21,176 | €29,658 | €44,546 | €43,841 | ▼ 1.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €69,433 | €118,177 | €106,211 | €176,128 | €213,627 | ▲ 21.3% |
| Fixed assets21/28 | €1,112 | €32,439 | €3,075 | €42,768 | €18,488 | ▼ 56.8% |
| Tangible fixed assets22/27 | €974 | €32,301 | €2,937 | €42,630 | €18,350 | ▼ 57.0% |
| Furniture and vehicles24 | €974 | €29,926 | €1,062 | €18,851 | - | - |
| Other tangible fixed assets26 | - | €2,375 | €1,875 | €23,779 | €18,350 | ▼ 22.8% |
| Financial fixed assets28 | €138 | €138 | €138 | €138 | €138 | = |
| Current assets29/58 | €68,321 | €85,738 | €103,136 | €133,361 | €195,140 | ▲ 46.3% |
| Stocks and contracts in progress3 | €41,819 | €60,770 | €84,181 | €104,152 | €145,794 | ▲ 40.0% |
| Stocks30/36 | €41,819 | €60,770 | €84,181 | €104,152 | €145,794 | ▲ 40.0% |
| Amounts receivable within one year40/41 | €15,974 | €5,013 | €6,958 | €14,227 | €19,015 | ▲ 33.7% |
| Trade receivables40 | €15,974 | €5,013 | €6,958 | - | €19,015 | - |
| Other amounts receivable41 | - | - | - | €14,227 | - | - |
| Cash at bank and in hand54/58 | €10,068 | €17,734 | €10,986 | €13,307 | €12,759 | ▼ 4.1% |
| Deferred charges and accrued income490/1 | €460 | €2,221 | €1,011 | €1,675 | €17,571 | ▲ 949% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €69,433 | €118,177 | €106,211 | €176,128 | €213,627 | ▲ 21.3% |
| Equity10/15 | €41,044 | €49,821 | €79,478 | €94,025 | €117,866 | ▲ 25.4% |
| Contributions10/11 | €12,400 | €1 | €1 | €1 | €1 | = |
| Outside capital11 | €12,400 | - | - | - | - | - |
| Other1109/19 | €12,400 | - | - | - | - | - |
| Reserves13 | - | - | €29,000 | €73,000 | €116,500 | ▲ 59.6% |
| Distributable reserves133 | - | - | €29,000 | €73,000 | €116,500 | ▲ 59.6% |
| Profit (loss) carried forward14 | €28,644 | €49,820 | €50,477 | €21,024 | €1,365 | ▼ 93.5% |
| Amounts payable17/49 | €28,389 | €68,356 | €26,733 | €82,103 | €95,762 | ▲ 16.6% |
| Amounts payable after more than one year17 | - | €5,037 | - | - | - | - |
| Financial debts170/4 | - | €5,037 | - | - | - | - |
| Amounts payable within one year42/48 | €28,389 | €63,250 | €25,933 | €82,103 | €95,762 | ▲ 16.6% |
| Current portion of amounts payable after more than one year42 | - | €9,999 | €5,037 | - | - | - |
| Financial debts43 | - | - | - | - | €5,138 | - |
| Credit institutions430/8 | - | - | - | - | €5,138 | - |
| Trade debts44 | €13,313 | €1,115 | €8,264 | €5,016 | €3,828 | ▼ 23.7% |
| Suppliers440/4 | €13,313 | €1,115 | €8,264 | €5,016 | €3,828 | ▼ 23.7% |
| Advances received on contracts in progress46 | - | €1,000 | - | €29,399 | - | - |
| Taxes, remuneration and social security45 | €5,655 | €7,790 | €5,842 | €17,689 | €22,302 | ▲ 26.1% |
| Taxes450/3 | €5,655 | €7,790 | €5,842 | €17,689 | €22,302 | ▲ 26.1% |
| Other amounts payable47/48 | €9,421 | €43,346 | €6,790 | €30,000 | €64,494 | ▲ 115% |
| Accrued charges and deferred income492/3 | - | €69 | €800 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €50,024 | €21,176 | €29,658 | €44,546 | €43,841 | ▼ 1.6% |
| + Depreciation and write-downs630 | €157 | €6,637 | €1,588 | €5,564 | €5,561 | ▼ 0.1% |
| Operating cash flow (approximation) | €50,181 | €27,813 | €31,245 | €50,110 | €49,402 | ▼ 1.4% |
| Investment in fixed assets (approximation) | - | -€37,964 | €27,776 | -€45,257 | €18,719 | ▲ 141% |
| Change in cash | - | €7,666 | -€6,748 | €2,321 | -€547 | ▼ 124% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector, comparable size
EUROPEAN BIZNESS CAR'S
BE 0448.493.851
Sint-Jans-Molenbeek · Eq €117,858
LG CARS
BE 0757.920.188
Lievegem · Eq €117,917
OTZER
BE 0433.232.682
Lubbeek · Eq €117,723
RAES DAMME
BE 0431.447.288
Damme · Eq €117,655
DDF-MOTORS
BE 0455.297.115
Brugge · Eq €118,093
Of 10,654 companies in this sector we hold annual accounts for 5,227. 3,676 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
10 eventsLatest 10-04-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100,000Eq €117,866 ▲25.4%
5 profitable years in a row build equity to €117,866.
25-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 3.98
Current ratio from 1.36 to 3.98; short-term debt falls from €63,250 to €25,933.
11-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €50,024
Net result €50,024 after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 2.41
Current ratio from 0.73 to 2.41; short-term debt falls from €32,827 to €28,389.
17-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 109 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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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Company details
Private limited company · founded 30-04-2019Year ends 31-12Peppol reachable2 sites
Register details
Identification
Legal formPrivate limited company
Founded30-04-2019
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0725877724
Also
9925:BE0725877724
Registered
02-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Wavre · 2 establishment units since 2019
Ground area
974 m²
Building footprint
132 m²
Volume, LiDAR
1,145 m³
2 parcels, Wallonia · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
AUTO BUJAR
since 2019unit no. 2.288.716.780
AUTO BUJAR
since 2020unit no. 2.303.617.267
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25006C0300/00F000 | Wallonia | 796 m² | 1 · 64 m² | 10.1 m · 3 fl. |
| 25055A0051/00B002 | Wallonia | 178 m² | 1 · 68 m² | 10.8 m · 3 fl. |
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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