AUTO - DELTA
ActiveSummary
AUTO - DELTA has been active since 1979 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €-3k. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 63% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability25▼-16
Solvency74▼-2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.93 against 2.0 in 2024; short-term debt: 50.8% and cash: 76.6% of total assets), but 50.8% of the assets are financed with debt.
Credit check for your own amount and term
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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
49.2%
Return on assets
-5.2%
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 29-08-2026, 29 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
29 d late
2024
29 d late
2023
30 d late
2022
80 d late
2021
31 d late
2020
31 d late
2019
2 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€29k▼ 9.5%
2024 · €32k
2018: €23klowest in 8 years
2019: €25k▲ +7.9% vs 2018
2020: €34k▲ +35.1% vs 2019
2021: €38k▲ +13.5% vs 2020highest in 8 years
2022: €33k▼ -14.3% vs 2021
2023: €32k▼ -3.1% vs 2022
2024: €32k▲ +2.8% vs 2023
2025: €29k▼ -9.5% vs 2024
2018 → 2025
Total assets
€60k▼ 6.7%
2024 · €64k
2018: €52klowest in 8 years
2019: €66k▲ +27.1% vs 2018
2020: €71k▲ +7.1% vs 2019
2021: €75k▲ +6.0% vs 2020highest in 8 years
2022: €70k▼ -7.0% vs 2021
2023: €61k▼ -13.0% vs 2022
2024: €64k▲ +5.5% vs 2023
2025: €60k▼ -6.7% vs 2024
2018 → 2025
Net result
€-3k
2024 · €880
2018: €-673
2019: €2k▲ +369% vs 2018
2020: €9k▲ +380% vs 2019highest in 8 years
2021: €5k▼ -47.8% vs 2020
2022: €-5k▼ -220% vs 2021lowest in 8 years
2023: €-1k▲ +81.4% vs 2022
2024: €880▲ +187% vs 2023
2025: €-3k▼ -453% vs 2024
2018 → 2025
Working capital
€28k▼ 9.9%
2024 · €31k
2018: €22klowest in 8 years
2019: €24k▲ +8.3% vs 2018
2020: €32k▲ +36.7% vs 2019
2021: €37k▲ +14.0% vs 2020highest in 8 years
2022: €31k▼ -14.7% vs 2021
2023: €30k▼ -3.2% vs 2022
2024: €31k▲ +2.9% vs 2023
2025: €28k▼ -9.9% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€38k-€33k▼ 14.3%€32k▼ 3.1%€32k▲ 2.8%€29k▼ 9.5%
2021: €38khighest in 5 years
2022: €33k▼ -14.3% vs 2021
2023: €32k▼ -3.1% vs 2022
2024: €32k▲ +2.8% vs 2023
2025: €29k▼ -9.5% vs 2024lowest in 5 years
Operating result€5k-€-4k€-814▲ 80.6%€1k€-3k
2021: €5khighest in 5 years
2022: €-4k▼ -188% vs 2021lowest in 5 years
2023: €-814▲ +80.6% vs 2022
2024: €1k▲ +232% vs 2023
2025: €-3k▼ -362% vs 2024
Net result€5k-€-5k€-1k▲ 81.4%€880€-3k
2021: €5khighest in 5 years
2022: €-5k▼ -220% vs 2021lowest in 5 years
2023: €-1k▲ +81.4% vs 2022
2024: €880▲ +187% vs 2023
2025: €-3k▼ -453% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €1k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60k
Fixed assets
€1k =
Current assets
€59k ▼ 6.8%
Equity and liabilities €60k
Equity
€29k ▼ 9.5%
Debt
€30k ▼ 3.7%
Debt's share of the balance-sheet total rises from 49.2% to 50.8%. Equity and debt are lower.
Key figures and ratios
Current ratio
1.93▼
2024 · 2.00
Quick ratio
1.72▲
2024 · 1.62
Debt to equity
1.03▲
2024 · 0.97
ROE
-10.6%▼
2024 · 2.7%
ROA
-5.2%▼
2024 · 1.4%
Debt ≤ 1 year
€30k▼
2024 · €31k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€64k€60k▼
Fixed assets21/28€1k€1k=
Financial fixed assets28€1k€1k=
Current assets29/58€63k€59k▼
Stocks and contracts in progress3€12k€7k▼
Stocks30/36€12k€7k▼
Amounts receivable within one year40/41€18k€6k▼
Trade receivables40€18k-
Other amounts receivable41€447€6k▲
Cash at bank and in hand54/58€33k€46k▲
Deferred charges and accrued income490/1-€142
Equity and liabilities
Total equity and liabilities10/49€64k€60k▼
Equity10/15€32k€29k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€139€139=
Profit (loss) carried forward14€12k€9k▼
Amounts payable17/49€31k€30k▼
Amounts payable within one year42/48€31k€30k▼
Trade debts44€1k€141▼
Suppliers440/4€1k€141▼
Other amounts payable47/48€30k€30k=
Income statement
Code20242025
Other operating charges640/8€94€97▲
Non-recurring operating charges66A-€75
Gross operating margin9900€1k€-3k▼
Operating profit (loss)9901€1k€-3k▼
Financial charges65/66B€198€278▲
Recurring financial charges65€198€278▲
Profit (loss) for the period before taxes9903€880€-3k▼
Profit (loss) for the period9904€880€-3k▼
Profit (loss) for the period to be appropriated9905€880€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€9k▼
Profit (loss) brought forward from the previous period14P€11k€12k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | €84 | €92 | €94 | €97 | ▲ 3.2% |
| Non-recurring operating charges66A | - | - | €300 | - | €75 | - |
| Gross operating margin9900 | €5k | €-4k | €-422 | €1k | €-3k | ▼ 326% |
| Operating profit (loss)9901 | €5k | €-4k | €-814 | €1k | €-3k | ▼ 362% |
| Financial charges65/66B | €208 | €1k | €195 | €198 | €278 | ▲ 40.2% |
| Recurring financial charges65 | €208 | €1k | €195 | €198 | €278 | ▲ 40.2% |
| Profit (loss) for the period before taxes9903 | €5k | €-5k | €-1k | €880 | €-3k | ▼ 453% |
| Profit (loss) for the period9904 | €5k | €-5k | €-1k | €880 | €-3k | ▼ 453% |
| Profit (loss) for the period to be appropriated9905 | €5k | €-5k | €-1k | €880 | €-3k | ▼ 453% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €75k | €70k | €61k | €64k | €60k | ▼ 6.7% |
| Fixed assets21/28 | €1k | €1k | €1k | €1k | €1k | = |
| Financial fixed assets28 | €1k | €1k | €1k | €1k | €1k | = |
| Current assets29/58 | €74k | €69k | €60k | €63k | €59k | ▼ 6.8% |
| Stocks and contracts in progress3 | - | €19k | €15k | €12k | €7k | ▼ 44.9% |
| Stocks30/36 | - | €19k | €15k | €12k | €7k | ▼ 44.9% |
| Amounts receivable within one year40/41 | €9k | €9k | €55 | €18k | €6k | ▼ 66.4% |
| Trade receivables40 | €9k | €9k | - | €18k | - | - |
| Other amounts receivable41 | €531 | €174 | €55 | €447 | €6k | ▲ 1,288% |
| Cash at bank and in hand54/58 | €65k | €41k | €45k | €33k | €46k | ▲ 40.3% |
| Deferred charges and accrued income490/1 | €105 | - | - | - | €142 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €75k | €70k | €61k | €64k | €60k | ▼ 6.7% |
| Equity10/15 | €38k | €33k | €32k | €32k | €29k | ▼ 9.5% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €139 | €139 | €139 | €139 | €139 | = |
| Profit (loss) carried forward14 | €17k | €12k | €11k | €12k | €9k | ▼ 26.1% |
| Amounts payable17/49 | €37k | €37k | €29k | €31k | €30k | ▼ 3.7% |
| Amounts payable within one year42/48 | €37k | €37k | €29k | €31k | €30k | ▼ 3.7% |
| Trade debts44 | €8k | €8k | - | €1k | €141 | ▼ 89.2% |
| Suppliers440/4 | €8k | €8k | - | €1k | €141 | ▼ 89.2% |
| Other amounts payable47/48 | €29k | €29k | €29k | €30k | €30k | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5k | €-5k | €-1k | €880 | €-3k | ▼ 453% |
| Operating cash flow (approximation) | €5k | €-5k | €-1k | €880 | €-3k | ▼ 453% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €-23k | €3k | €-12k | €13k | ▲ 210% |
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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €880
Net result €880 after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
19-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 80 days late
2022
31-12
Financial
Weakest financial yearnet €-5k
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €9k ▲380%
Operating result €9k, net result €9k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Asse · 1 establishment unit since 1980
Ground area
252 m²
Building footprint
129 m²
Volume, LiDAR
734 m³
Parcel 23322D0060/00K000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Auto - Delta
since 19802.017.367.495
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23322D0060/00K000 | Flanders | 252 m² | 1 · 129 m² | 8.9 m · 2 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.
Similar companies · same sector, comparable size
DEWAC
BE 0801.818.034
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SERVICE POINT GENK
BE 1024.427.985
Genk · Eq €29,432
ETS BARBIR
BE 0431.105.909
Anderlecht · Eq €29,433
GARAGE HULSTAERT
BE 0445.302.155
Etalle · Eq €29,340
KABS
BE 1002.452.636
Steenokkerzeel · Eq €29,476
Of 10,667 companies in sector 47811 we hold annual accounts for 5,220. 2,960 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)
Founded28-12-1979
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Scores and ratios are computed by Checked and are not a credit decision.