AUTO ECOLE GEORGES
ActiveAUTO ECOLE GEORGES has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €573k and a net result of €47k. Equity is growing by ~29.4% per year across the filed fiscal years. Its solvency ranks better than 45% of 684 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-9
Solvency75▼-14
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 1.59 against 2.15 in 2024; short-term debt: 38.2% and cash: 19.8% of total assets), and 49.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
lower
← 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
50.3%
Return on assets
4.1%
Age of the figures
9 mo
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
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
26 d late
2024
9 d early
2023
7 d early
2022
14 d early
2021
2 d early
2020
18 d early
2019
28 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€979k
EBIT margin
4.9%
Net result
€47k▼ 50.9%
2024 · €96k
2018: €20k
2020: €40k
2021: €88k
2022: €218k
2023: €145k
2024: €96k
2018 → 2025
Working capital
€257k▼ 23.6%
2024 · €336k
2018: €24k
2020: €227k
2021: €309k
2022: €167k
2023: €255k
2024: €336k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€199k-€314k▲ 58.2%€431k▲ 37.1%€527k▲ 22.2%€573k▲ 8.9%
Operating result€121k-€284k▲ 134%€190k▼ 33.0%€133k▼ 30.3%€71k▼ 46.7%
Net result€88k-€218k▲ 147%€145k▼ 33.6%€96k▼ 34.2%€47k▼ 50.9%
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 47% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.14M
Fixed assets
€449k▲ 135%
Current assets
€692k▲ 10.2%
Equity and liabilities €1.14M
Equity
€573k▲ 8.9%
Debt
€567k▲ 94.2%
The debt ratio rises from 35.7% to 49.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€130k▼
2024 · €179k
Cash flow
€106k▼
2024 · €142k
Solvency
50.3%▼
2024 · 64.3%
Current ratio
1.59▼
2024 · 2.15
Quick ratio
1.59▼
2024 · 2.15
Debt / equity
0.99▲
2024 · 0.55
ROE
8.2%▼
2024 · 18.1%
ROA
4.1%▼
2024 · 11.7%
Interest coverage
17.34▼
2024 · 50.34
Debt
€567k▲
2024 · €292k
Debt ≤ 1 year
€435k▲
2024 · €292k
Debt > 1 year
€132k
Income taxes
€18k▼
2024 · €34k
Staff costs
€859k▲
2024 · €809k
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€819k€1.14M▲
Fixed assets21/28€191k€449k▲
Tangible fixed assets22/27€168k€423k▲
Land and buildings22€15k€21k▲
Plant, machinery and equipment23€58k€82k▲
Furniture and vehicles24€95k€140k▲
Assets under construction and advance payments27-€180k
Financial fixed assets28€23k€25k▲
Current assets29/58€628k€692k▲
Amounts receivable within one year40/41€119k€269k▲
Trade receivables40€45k€132k▲
Other amounts receivable41€74k€137k▲
Current investments50/53€150k€151k▲
Cash at bank and in hand54/58€312k€225k▼
Deferred charges and accrued income490/1€47k€46k▼
Equity and liabilities
Total equity and liabilities10/49€819k€1.14M▲
Equity10/15€527k€573k▲
Contributions10/11€6k€6k=
Reserves13€89k€89k=
Non-distributable reserves130/1€645€645=
Reserves not available under the articles1311€645€645=
Distributable reserves133€88k€88k=
Profit (loss) carried forward14€431k€478k▲
Amounts payable17/49€292k€567k▲
Amounts payable after more than one year17-€132k
Financial debts170/4-€132k
Amounts payable within one year42/48€292k€435k▲
Current portion of amounts payable after more than one year42€6k€40k▲
Trade debts44€79k€156k▲
Suppliers440/4€79k€156k▲
Taxes, remuneration and social security45€207k€239k▲
Taxes450/3€85k€87k▲
Remuneration and social security454/9€122k€152k▲
Other amounts payable47/48€261€261=
Income statement
Code20242025
Remuneration, social security and pensions62€809k€859k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€59k▲
Other operating charges640/8€5k€9k▲
Non-recurring operating charges66A€941€869▼
Gross operating margin9900€994k€998k▲
Operating profit (loss)9901€133k€71k▼
Financial income75/76B€521€1k▲
Recurring financial income75€521€1k▲
Financial charges65/66B€4k€7k▲
Recurring financial charges65€4k€7k▲
Profit (loss) for the period before taxes9903€130k€65k▼
Income taxes67/77€34k€18k▼
Profit (loss) for the period9904€96k€47k▼
Profit (loss) for the period to be appropriated9905€96k€47k▼
Appropriation of the result
Profit (loss) to be appropriated9906€431k€478k▲
Profit (loss) brought forward from the previous period14P€335k€431k▲
Social balance
Average headcount (FTE)908715.315.9▲
The notes to these accounts (13 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €500kEq €527k ▲22.2%
6 profitable years in a row build equity to €527k.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €218k ▲147%
Operating result €284k, net result €218k, both a record.
31-12
Financial
Equity above €200kEq €314k ▲58.2%
4 profitable years in a row build equity to €314k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Equity above €150kEq €199k ▲80.2%
3 profitable years in a row build equity to €199k.
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
01-06
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
6 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, Blégny · 7 establishment units since 2009
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.
Rue Entre-deux-Villes 514670 BlégnyGround area
3,374 m²
Building footprint
662 m²
Volume, LiDAR
9,531 m³
7 parcels, Wallonia · tallest building 26.2 m, ±8 floors. Linked by address, not a title deed.
7 establishment units
AUTO ECOLE GEORGES
since 20092.231.550.623
AUTO ECOLE GEORGES
since 20122.231.550.227
AUTO ECOLE GEORGES
since 20122.231.550.920
AUTO ECOLE GEORGES
since 20142.237.721.011
AUTO ECOLE GEORGES
since 20142.237.721.110
AUTO ECOLE GEORGES
since 20242.358.766.519
Show 1 more locations
AUTO ECOLE GEORGES
since 20252.375.445.668
7 parcels
Wallonia
7
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62332B0027/00V022 | Wallonia | 1,179 m² | 1 · 156 m² | 26.2 m · 8 fl. |
| 62355B0086/00D002 | Wallonia | 711 m² | 1 · 209 m² | 22.4 m · 6 fl. |
| 63084A0123/00T002 | Wallonia | 532 m² | 1 · 129 m² | 10.7 m · 3 fl. |
| 62038B0151/00E002 | Wallonia | 360 m² | - | - |
| 62058B0661/00B000 | Wallonia | 256 m² | 1 · 62 m² | - |
| 62108C0067/00S000 | Wallonia | 174 m² | 1 · 106 m² | 11.6 m · 4 fl. |
| 62103B0862/00Y002 | Wallonia | 162 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 6
7 of 7 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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Merksemse Rijschool
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Of 1,038 companies in sector 85531 we hold annual accounts for 347. 174 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded02-09-2009
Fiscal year end31-12
Activities, NACEBEL
85531Driving schools for cars and motorcycles
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
45204
95314Bodywork repair (including spraying and painting)
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.