AUTO FRANK
ActiveSummary
AUTO FRANK has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.49M and a net result of €413k. Equity is growing by ~11.7% per year across the filed fiscal years. Its solvency ranks better than 47% of 4867 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▲+17
Solvency68▲+3
Growth63▲+7
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €160k at 30 days acceptable
Liquidity ample (current ratio 2.11 against 1.99 in 2024; short-term debt: 40.7% and cash: 10.4% of total assets), but 57.2% of the assets are financed with debt.
Credit advice 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
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
42.8%
Return on assets
7.1%
Age of the figures
15 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 09-01-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
21 d early
2023
22 d early
2022
1 d early
2021
24 d early
2020
17 d early
2019
17 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€19.34M▲ 15.0%
2024 · €16.82M
2022: €18.97M
2023: €23.36M
2024: €16.82M
2022 → 2025
EBIT margin
3.7%▲ 1.1pp
2024 · 2.6%
2022: 3.3%
2023: 5.8%
2024: 2.6%
2022 → 2025
Net result
€413k▲ 113%
2024 · €194k
2019: €23k
2020: €37k
2021: €579k
2022: €375k
2023: €1.03M
2024: €194k
2019 → 2025
Working capital
€2.63M▼ 6.1%
2024 · €2.80M
2019: €729k
2020: €1.44M
2021: €1.85M
2022: €2.08M
2023: €2.68M
2024: €2.80M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€18.97M€23.36M▲ 23.1%€16.82M▼ 28.0%€19.34M▲ 15.0%
Equity€1.41M-€1.79M▲ 26.5%€2.37M▲ 32.5%€2.56M▲ 8.2%€2.49M▼ 2.7%
Operating result€741k-€633k▼ 14.5%€1.36M▲ 115%€445k▼ 67.4%€719k▲ 61.7%
Net result€579k-€375k▼ 35.1%€1.03M▲ 175%€194k▼ 81.2%€413k▲ 113%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 62% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.82M
Fixed assets
€821k ▲ 11.1%
Current assets
€5.00M ▼ 11.0%
Equity and liabilities €5.82M
Equity
€2.49M ▼ 2.7%
Debt
€3.33M ▼ 12.3%
Debt's share of the balance-sheet total falls from 59.7% to 57.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€828k▲
2024 · €535k
Cash flow
€522k▲
2024 · €285k
Current ratio
2.11▲
2024 · 1.99
Quick ratio
0.49▲
2024 · 0.38
Debt to equity
1.34▼
2024 · 1.48
ROE
16.6%▲
2024 · 7.6%
ROA
7.1%▲
2024 · 3.1%
Interest coverage
5.14▲
2024 · 2.82
Debt ≤ 1 year
€2.37M▼
2024 · €2.82M
Debt > 1 year
€866k▼
2024 · €933k
Income taxes
€140k▲
2024 · €62k
Staff costs
€244k▲
2024 · €225k
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 · 80 lines
Balance sheet
Code20242025
Assets
Total assets20/58€6.36M€5.82M▼
Fixed assets21/28€739k€821k▲
Tangible fixed assets22/27€739k€821k▲
Land and buildings22€512k€498k▼
Plant, machinery and equipment23€45k€53k▲
Furniture and vehicles24€72k€194k▲
Other tangible fixed assets26€110k€75k▼
Financial fixed assets28€289€289=
Other financial fixed assets284/8€289€289=
Amounts receivable and cash guarantees285/8€289€289=
Current assets29/58€5.62M€5.00M▼
Stocks and contracts in progress3€4.56M€3.85M▼
Stocks30/36€4.56M€3.85M▼
Goods purchased for resale34€4.56M€3.85M▼
Amounts receivable within one year40/41€569k€523k▼
Trade receivables40€431k€523k▲
Other amounts receivable41€138k€0▼
Cash at bank and in hand54/58€467k€606k▲
Deferred charges and accrued income490/1€23k€23k▲
Equity and liabilities
Total equity and liabilities10/49€6.36M€5.82M▼
Equity10/15€2.56M€2.49M▼
Contributions10/11€585k€585k=
Reserves13€1.98M€1.91M▼
Non-distributable reserves130/1€65k€65k=
Reserves not available under the articles1311€65k€65k=
Distributable reserves133€1.91M€1.84M▼
Amounts payable17/49€3.80M€3.33M▼
Amounts payable after more than one year17€933k€866k▼
Financial debts170/4€933k€866k▼
Subordinated loans170€500k€500k=
Credit institutions173€433k€366k▼
Amounts payable within one year42/48€2.82M€2.37M▼
Current portion of amounts payable after more than one year42€1.59M€914k▼
Financial debts43€68k€0▼
Credit institutions430/8€68k€0▼
Trade debts44€318k€220k▼
Suppliers440/4€318k€220k▼
Advances received on contracts in progress46€160k€194k▲
Taxes, remuneration and social security45€33k€167k▲
Taxes450/3€4k€132k▲
Remuneration and social security454/9€29k€35k▲
Other amounts payable47/48€645k€874k▲
Accrued charges and deferred income492/3€45k€94k▲
Income statement
Code20242025
Operating income70/76A€16.88M€19.34M▲
Turnover70€16.82M€19.34M▲
Other operating income74€27k€6k▼
Non-recurring operating income76A€37k€0▼
Operating charges60/66A€16.44M€18.62M▲
Goods for resale, raw materials and consumables60€15.41M€17.53M▲
Purchases600/8€16.63M€16.81M▲
Change in stocks: decrease (increase)609€-1.22M€714k▲
Services and other goods61€671k€713k▲
Remuneration, social security and pensions62€225k€244k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€91k€109k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€42k€30k▼
Operating profit (loss)9901€445k€719k▲
Financial income75/76B€5k€17▼
Recurring financial income75€5k€17▼
Income from current assets751€5k€0▼
Other financial income752/9€208€17▼
Financial charges65/66B€194k€166k▼
Recurring financial charges65€194k€166k▼
Debt charges650€190k€161k▼
Other financial charges652/9€4k€5k▲
Profit (loss) for the period before taxes9903€256k€553k▲
Income taxes67/77€62k€140k▲
Taxes670/3€100k€140k▲
Tax adjustments and reversals of tax provisions77€38k€0▼
Profit (loss) for the period9904€194k€413k▲
Profit (loss) for the period to be appropriated9905€194k€413k▲
Appropriation of the result
Profit (loss) to be appropriated9906€194k€413k▲
Transfer from equity791/2-€483k
From reserves792-€483k
Transfer to equity691/2€194k€413k▲
To other reserves6921€194k€413k▲
Profit to be distributed694/7€0€483k▲
Return on contributions (dividend)694-€483k
Directors or managers695€0-
Social balance
Average headcount (FTE)90873.74.0▲
The notes to these accounts (79 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
09-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
10-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
09-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-06
Financial
Highest result since 2019net €1.03M ▲175%
Operating result €1.36M, net result €1.03M, both a record.
30-06
Financial
Equity above €2MEq €2.37M ▲32.5%
5 profitable years in a row build equity to €2.37M.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
07-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
14-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
14-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
29-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
24-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
22-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Kruisem · 1 establishment unit since 1984
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.
Olsensesteenweg(KRU) 599770 KruisemGround area
4,572 m²
Building footprint
995 m²
Volume, LiDAR
5,623 m³
Parcel 45017C0219/00Z000, Flanders · tallest building 6.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Olsensesteenweg(KRU) 59, 9770 Kruisem
since 19842.025.122.349
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45017C0219/00Z000 | Flanders | 4,572 m² | 1 · 994 m² | 6.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 2,184 EUR awarded · 2,184 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
| 2022 | 1 | 184 EUR | 184 EUR |
Schemes
Hinderpremie bij openbare werken
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,128 companies in sector 46711 we hold annual accounts for 1,126. 431 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-08-1984
Fiscal year end30-06
Activities, NACEBEL 2025
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.