AUTO CLK
ActiveThe computed 12-month bankruptcy probability of AUTO CLK is 1.7% (moderate). The 2025 annual accounts show equity of €137k and a net result of €1k. Equity is growing by ~31.7% per year across the filed fiscal years. Its solvency ranks better than 32% of 17987 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability5▼-95
Solvency14▼-19
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days only on tighter terms
Liquidity short (current ratio 0.72 against 1.38 in 2024), and 87% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
13%
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
21 d late
2023
30 d late
2022
30 d late
2021
30 d late
2020
31 d late
2019
7 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€137k▲ 0.9%
2024 · €136k
2018: €6k
2019: €12k
2020: €34k
2021: €47k
2022: €60k
2023: €76k
2024: €136k
2018 → 2025
Total assets
€1.06M▲ 53.9%
2024 · €688k
2018: €53k
2019: €72k
2020: €151k
2021: €164k
2022: €173k
2023: €616k
2024: €688k
2018 → 2025
Net result
€1k▼ 97.9%
2024 · €60k
2018: €8k
2019: €6k
2020: €22k
2021: €14k
2022: €12k
2023: €16k
2024: €60k
2018 → 2025
Working capital
€-196k
2024 · €121k
2018: €5k
2019: €11k
2020: €33k
2021: €45k
2022: €49k
2023: €65k
2024: €121k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€47k-€60k▲ 26.1%€76k▲ 27.1%€136k▲ 78.7%€137k▲ 0.9%
Operating result€21k-€30k▲ 39.6%€17k▼ 44.1%€111k▲ 565%€14k▼ 87.1%
Net result€14k-€12k▼ 10.4%€16k▲ 31.3%€60k▲ 269%€1k▼ 97.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 87% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.06M
Fixed assets
€546k▲ 119%
Current assets
€512k▲ 16.9%
Equity and liabilities €1.06M
Equity
€137k▲ 0.9%
Debt
€921k▲ 67.0%
The debt ratio rises from 80.3% to 87.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€27k▼
2024 · €122k
Cash flow
€14k▼
2024 · €71k
Solvency
13.0%▼
2024 · 19.7%
Current ratio
0.72▼
2024 · 1.38
Quick ratio
0.13▼
2024 · 0.26
Debt / equity
6.72▲
2024 · 4.06
ROE
0.9%▼
2024 · 44.0%
ROA
0.1%▼
2024 · 8.7%
Interest coverage
2.32▼
2024 · 4.35
Debt
€921k▲
2024 · €552k
Debt ≤ 1 year
€709k▲
2024 · €317k
Debt > 1 year
€212k▼
2024 · €235k
Income taxes
€1k▼
2024 · €23k
Staff costs
€228▼
2024 · €308
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€688k€1.06M▲
Fixed assets21/28€249k€546k▲
Tangible fixed assets22/27€247k€544k▲
Land and buildings22€245k€543k▲
Plant, machinery and equipment23€895€587▼
Furniture and vehicles24€898€487▼
Financial fixed assets28€3k€3k=
Current assets29/58€438k€512k▲
Stocks and contracts in progress3€357k€419k▲
Stocks30/36€357k€419k▲
Amounts receivable within one year40/41€6k€49k▲
Trade receivables40€6k€49k▲
Cash at bank and in hand54/58€75k€43k▼
Deferred charges and accrued income490/1-€792
Equity and liabilities
Total equity and liabilities10/49€688k€1.06M▲
Equity10/15€136k€137k▲
Contributions10/11€7k€7k=
Reserves13€699€699=
Non-distributable reserves130/1€699€699=
Reserves not available under the articles1311€699€699=
Profit (loss) carried forward14€129k€130k▲
Amounts payable17/49€552k€921k▲
Amounts payable after more than one year17€235k€212k▼
Financial debts170/4€235k€212k▼
Amounts payable within one year42/48€317k€709k▲
Current portion of amounts payable after more than one year42€22k€23k▲
Financial debts43-€307k
Credit institutions430/8-€307k
Trade debts44€29k€66k▲
Suppliers440/4€29k€66k▲
Taxes, remuneration and social security45€37k€31k▼
Taxes450/3€35k€29k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€230k€282k▲
Accrued charges and deferred income492/3-€532
Income statement
Code20242025
Remuneration, social security and pensions62€308€228▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€13k▲
Other operating charges640/8€2k€40k▲
Gross operating margin9900€125k€68k▼
Operating profit (loss)9901€111k€14k▼
Financial income75/76B€228€0▼
Recurring financial income75€228€0▼
Financial charges65/66B€28k€12k▼
Recurring financial charges65€28k€12k▼
Profit (loss) for the period before taxes9903€83k€3k▼
Income taxes67/77€23k€1k▼
Profit (loss) for the period9904€60k€1k▼
Profit (loss) for the period to be appropriated9905€60k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€129k€130k▲
Profit (loss) brought forward from the previous period14P€69k€129k▲
The notes to these accounts (7 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €1k ▼97.9%
Net result drops to €1k, the lowest in the series.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Highest result since 2018net €60k ▲269%
Operating result €111k, net result €60k, both a record.
31-12
Financial
Equity above €100kEq €136k ▲78.7%
7 profitable years in a row build equity to €136k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 days late
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 3 days late
2017
18-07
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.
Directors · office · real estate
Directors
3 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, Schaarbeek · 2 establishment units since 2015
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.
Chazallaan 271030 SchaarbeekGround area
288 m²
Building footprint
289 m²
Volume, LiDAR
2,876 m³
2 parcels, Brussels, Flanders · tallest building 19.0 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
AUTO CLK
since 20152.245.072.126
Molenstraat 110, 3078 Kortenberg
since 20222.336.081.286
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21904B0527/00L002 | Brussels | 146 m² | 1 · 146 m² | 19.0 m · 5 fl. |
| 24026A0371/00R000 | Flanders | 141 m² | 1 · 143 m² | 9.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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ETN. RAEDSCHELDERS in vereffening
BE 0420.891.710
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DEGRANDE M
BE 0756.675.917
Deerlijk · Eq €137k
Garage Blauwe Poort
BE 0417.113.856
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BA-GROUP & CO
BE 0779.919.491
Hasselt · Eq €137k
Of 10,620 companies in sector 47811 we hold annual accounts for 5,193. 3,682 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-08-2015
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
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)
45310
45402
46720Wholesale of motor vehicle parts and accessories
47830Retail sale of motorcycles and motorcycle parts and accessories
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.