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AUTO ECOLE CATHEDRALE

Active
Public limited companyfounded 1985active for 41 yearsRue Saint-Jacques(TOU) 35-37, 7500 Tournai, BelgiumKBO/BCE: BE 0427.834.732
Summary

AUTO ECOLE CATHEDRALE has been active since 1985 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.2m and a net result of €569,193. Equity has been growing by about 12% per year since 2018. Its solvency ranks better than 27% of 582 sector peers (NACE 85, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 01-10-1985 Normal situation
Activity
Driving schools for cars and motorcycles NACE 85531
Establishment units
2.027.958.115 7500 Tournai, since 14-10-1985
2.381.647.235 7730 Estaimpuis, since 04-12-2025and 2 others
Financial year end
31 December
Peppol
Reachable since 12-11-2025

Board and ownership

Board

Financial position

92 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts 2025
Gross margin
€1.0m
▲ 3.7%
Turnover
≈ €1.7m
estimated
Profit
€569,193
▼ 3.6%
Equity
€1.2m
▼ 70.9%
Total assets
€4.8m
▲ 13.6%
Employees on 31-12-2025
4
=
Score breakdownlowers riskSize: 4.3 FTE, total assets €4.8mLiquidity: current ratio 1.24, cash €4.4mSector: Education (NACE 85)Figures for financial year 2025 (filed on 30-06-2026)Show the evidence

Checked score

Score 2025
92 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 39% of micro companies in education (NACE 85)
Financial strength · tick: 2024
Strong
Solvency 50-50
equity 24.8% of total assets
Liquidity 59-41
short-term debt 75.2% · cash 90.6%
Profitability 83-3
return on assets 11.7%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (3,822 companies, NACE 85, micro)
Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025highest value 07-2025: < 0.1%● unchanged vs 06-2025lowest value 08-2025: < 0.1%● unchanged vs 07-2025lowest value 09-2025: < 0.1%● unchanged vs 08-2025lowest value 10-2025: < 0.1%● unchanged vs 09-2025lowest value 11-2025: < 0.1%● unchanged vs 10-2025lowest value 12-2025: < 0.1%● unchanged vs 11-2025lowest value 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026
Credit of up to €110,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.24 (24.92 in 2024), below the usual 1.5. Short-term debt is 75.2% and cash 90.6% of total assets. 75.2% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 85, micro). It does better than 33% of them on solvency, 47% on liquidity, 65% on profitability and 9% on growth.

The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskneutral
lowers risk · Size: 4.3 FTE, total assets €4.8m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.24, cash €4.4m
NBB · annual accounts
lowers risk · Sector: Education (NACE 85)
KBO
lowers risk · Figures for financial year 2025 (filed on 30-06-2026)
NBB · annual accounts
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
31 days early
2024
37 days early
2023
43 days early
2022
38 days early
2021
22 days late
2020
16 days late
2019
6 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 15 days before the deadline. In the sector (NACE 85), the median for financial year 2024 was 16 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 24 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Equity fell in 2025from €4.1m to €1.2m ▼ 70.9% View
  • Positive: Higher net result than 95% of companies in educationsector median €11,308 · 584 companies €569,193 View
  • Positive: 8 profitable years in a rowprofit 2025: €569,193 8 years View
  • Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View

Recent changes

  1. · Gazette deed Appointments: Damien DELHOUTE (director) and Quentin DELHOUTE (director)
  2. · Gazette deed Incorporation
All 15 events

Comparable companies

These companies have the same main activity as AUTO ECOLE CATHEDRALE: driving schools for cars and motorcycles (NACE 85531). They are comparable in size and age: total assets between €1.1m and €2.8m, founded between 1969 and 2006.

CompanyTotal assetsGross margin
AUTO ECOLE CATHEDRALE Tournai€4.8m€1.0m
Eureka Veurne€2.5m€0.7m
EDCO Genk€1.5m€1.3m
WAREGEMSE RIJSCHOOL Waregem€2.8m€1.2m
FURY Geel€1.5m€0.9m
AUTO - ECOLE PRO-PERMIS Mont-Saint-Guibert€1.6m€1.0m
DRIVE MUT Brussel€1.1m€0.5m
Full comparison

Key facts about AUTO ECOLE CATHEDRALE

What is the company number of AUTO ECOLE CATHEDRALE?
The company number of AUTO ECOLE CATHEDRALE is 0427.834.732. The VAT number is the same number with BE in front: BE 0427.834.732.
Where is AUTO ECOLE CATHEDRALE based?
The registered office is at Rue Saint-Jacques(TOU) 35-37, 7500 Tournai.Company details
What does AUTO ECOLE CATHEDRALE do?
According to the KBO register, the main activity is driving schools for cars and motorcycles (NACE 85531).
What is the legal form of AUTO ECOLE CATHEDRALE?
The legal form of AUTO ECOLE CATHEDRALE is Public limited company (NV).
When was AUTO ECOLE CATHEDRALE founded?
AUTO ECOLE CATHEDRALE was founded on 01-10-1985.
Is AUTO ECOLE CATHEDRALE still active?
Yes, AUTO ECOLE CATHEDRALE is an active enterprise in the KBO register.
How many employees does AUTO ECOLE CATHEDRALE have?
AUTO ECOLE CATHEDRALE had an average of 4.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of AUTO ECOLE CATHEDRALE?
The turnover in financial year 2025 is ≈ €1.7m. This figure is estimated from the gross margin of €1.0m and 1,584 comparable companies of the same size. It probably lies between €1.2m and €2.9m. It is a rough estimate.
Is AUTO ECOLE CATHEDRALE profitable?
In financial year 2025, AUTO ECOLE CATHEDRALE made a profit of €569,193.
Where can I find the annual accounts of AUTO ECOLE CATHEDRALE?
AUTO ECOLE CATHEDRALE filed 40 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of AUTO ECOLE CATHEDRALE due?
AUTO ECOLE CATHEDRALE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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