Auto Gamma
ActiveSummary
Auto Gamma has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€307,764) and a net result of €33,556. Equity is shrinking by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 8% of 8115 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability68▲+10
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.46 against 0.46 in 2024; short-term debt: 86.8% and cash: 2.5% of total assets), and equity is negative.
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Signals
Five 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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% 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
-31.4%
Return on assets
3.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 8115 sector peers (2025).
NBB · sector comparisonPosition among 8115 sector peers
Solvency
better than 8%
← weakest
strongest →
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
on the day
2023
17 d early
2022
9 d early
2021
23 d early
2020
30 d early
2019
34 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 19 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
-€307,764▲ 9.8%
2024 · -€341,320
Total assets
€978,890▼ 0.7%
2024 · €986,219
Net result
€33,556▲ 548%
2024 · €5,179
Working capital
-€456,842▼ 5.3%
2024 · -€433,839
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€37,476▲ 70.6%€6,037€14,672▲ 143%€21,032▲ 43.3%€50,798▲ 142%
Net result-€50,468below the sector's middle half▲ 63.3%-€7,705below the sector's middle half▲ 84.7%-€175below the sector's middle half▲ 97.7%€5,179within the sector's middle half€33,556within the sector's middle half▲ 548%
Equity-€338,619below the sector's middle half▼ 17.5%-€346,324below the sector's middle half▼ 2.3%-€346,499below the sector's middle half▼ 0.1%-€341,320below the sector's middle half▲ 1.5%-€307,764below the sector's middle half▲ 9.8%
Total assets€1.1mwithin the sector's middle half▼ 6.8%€1.0mwithin the sector's middle half▼ 5.5%€1.1mwithin the sector's middle half▲ 2.7%€986,219within the sector's middle half▼ 7.9%€978,890within the sector's middle half▼ 0.7%
Debt€1.4m▼ 1.1%€1.4m▼ 3.6%€1.4m▲ 2.1%€1.3m▼ 6.3%€1.3m▼ 3.1%
Working capital-€303,729▼ 65.2%-€354,936▼ 16.9%-€424,420▼ 19.6%-€433,839▼ 2.2%-€456,842▼ 5.3%
Solvency-30.7%below the sector's middle half▼ 6.4pp-33.2%below the sector's middle half▼ 2.5pp-32.4%below the sector's middle half▲ 0.9pp-34.6%below the sector's middle half▼ 2.2pp-31.4%below the sector's middle half▲ 3.2pp
Staff (FTE)3within the sector's middle half▼ 16.7%2.8within the sector's middle half▼ 6.7%2.3within the sector's middle half▼ 17.9%2.8within the sector's middle half▲ 21.7%3within the sector's middle half▲ 7.1%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 142% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €978,890
Fixed assets
€585,685 ▼ 5.6%
Current assets
€393,205 ▲ 7.4%
Key figures and ratios
EBITDA
€91,116▲
2024 · €78,798
Cash flow
€73,874▲
2024 · €62,945
Current ratio
0.46▲
2024 · 0.46
Quick ratio
0.14▲
2024 · 0.13
Debt to equity
-4.18▼
2024 · -3.89
ROA
3.4%▲
2024 · 0.5%
Interest coverage
5.43▲
2024 · 4.67
Debt ≤ 1 year
€850,047▲
2024 · €799,914
Debt > 1 year
€436,608▼
2024 · €527,625
Income taxes
€463▲
2024 · -€65
Staff costs
€172,724▲
2024 · €167,692
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,381 companies that looked in July 2024 the way this one looks now, 2.0% went bankrupt within 24 months and 94% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a profit under 5% of the balance sheet
2.0%
went bankrupt
3.1%
stopped otherwise
94%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,381 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €18,161 | - | - | - |
| Remuneration, social security and pensions62 | €204,938 | €204,107 | €159,419 | €167,692 | €172,724 | ▲ 3.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €53,290 | €54,530 | €46,671 | €57,766 | €40,318 | ▼ 30.2% |
| Other operating charges640/8 | €6,057 | €6,785 | €15,206 | €7,520 | €6,911 | ▼ 8.1% |
| Non-recurring operating charges66A | €1,499 | - | - | - | - | - |
| Gross operating margin9900 | €228,308 | €271,460 | €235,968 | €254,010 | €270,751 | ▲ 6.6% |
| Operating profit (loss)9901 | -€37,476 | €6,037 | €14,672 | €21,032 | €50,798 | ▲ 142% |
| Financial income75/76B | €533 | €341 | €426 | €957 | €13 | ▼ 98.6% |
| Recurring financial income75 | €533 | €341 | €426 | €125 | €13 | ▼ 89.5% |
| Non-recurring financial income76B | - | - | - | €832 | - | - |
| Financial charges65/66B | €12,867 | €13,663 | €13,804 | €16,874 | €16,792 | ▼ 0.5% |
| Recurring financial charges65 | €12,867 | €13,663 | €13,804 | €16,874 | €16,792 | ▼ 0.5% |
| Profit (loss) for the period before taxes9903 | -€49,810 | -€7,284 | €1,294 | €5,114 | €34,019 | ▲ 565% |
| Income taxes67/77 | €658 | €421 | €1,469 | -€65 | €463 | ▲ 811% |
| Profit (loss) for the period9904 | -€50,468 | -€7,705 | -€175 | €5,179 | €33,556 | ▲ 548% |
| Profit (loss) for the period to be appropriated9905 | -€50,468 | -€7,705 | -€175 | €5,179 | €33,556 | ▲ 548% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.1m | €1.0m | €1.1m | €986,219 | €978,890 | ▼ 0.7% |
| Fixed assets21/28 | €687,628 | €637,871 | €677,910 | €620,143 | €585,685 | ▼ 5.6% |
| Intangible fixed assets21 | €33,953 | €21,097 | €8,241 | €120 | - | - |
| Tangible fixed assets22/27 | €553,675 | €516,774 | €569,669 | €520,023 | €485,685 | ▼ 6.6% |
| Land and buildings22 | €500,213 | €480,653 | €461,093 | €441,919 | €424,660 | ▼ 3.9% |
| Plant, machinery and equipment23 | €16,669 | €10,011 | €6,798 | €2,010 | €1,785 | ▼ 11.2% |
| Furniture and vehicles24 | €36,794 | €26,111 | €101,778 | €76,094 | €59,240 | ▼ 22.1% |
| Financial fixed assets28 | €100,000 | €100,000 | €100,000 | €100,000 | €100,000 | = |
| Current assets29/58 | €414,603 | €404,129 | €392,388 | €366,075 | €393,205 | ▲ 7.4% |
| Stocks and contracts in progress3 | €295,547 | €288,764 | €281,093 | €265,341 | €274,080 | ▲ 3.3% |
| Stocks30/36 | €295,547 | €288,764 | €281,093 | €265,341 | €274,080 | ▲ 3.3% |
| Amounts receivable within one year40/41 | €68,162 | €70,485 | €75,193 | €71,939 | €83,862 | ▲ 16.6% |
| Trade receivables40 | €68,162 | €70,485 | €75,193 | €69,418 | €83,802 | ▲ 20.7% |
| Other amounts receivable41 | - | - | - | €2,520 | €60 | ▼ 97.6% |
| Cash at bank and in hand54/58 | €15,303 | €16,883 | €14,830 | €13,362 | €24,761 | ▲ 85.3% |
| Deferred charges and accrued income490/1 | €35,592 | €27,997 | €21,272 | €15,434 | €10,502 | ▼ 32.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.1m | €1.0m | €1.1m | €986,219 | €978,890 | ▼ 0.7% |
| Equity10/15 | -€338,619 | -€346,324 | -€346,499 | -€341,320 | -€307,764 | ▲ 9.8% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €98,082 | €98,082 | €98,082 | €98,082 | €98,082 | = |
| Non-distributable reserves130/1 | €2,000 | €2,000 | - | - | - | - |
| Reserves not available under the articles1311 | €2,000 | €2,000 | - | - | - | - |
| Distributable reserves133 | €96,082 | €96,082 | €98,082 | €98,082 | €98,082 | = |
| Profit (loss) carried forward14 | -€456,700 | -€464,406 | -€464,581 | -€459,402 | -€425,846 | ▲ 7.3% |
| Amounts payable17/49 | €1.4m | €1.4m | €1.4m | €1.3m | €1.3m | ▼ 3.1% |
| Amounts payable after more than one year17 | €721,878 | €628,619 | €599,989 | €527,625 | €436,608 | ▼ 17.3% |
| Financial debts170/4 | €721,878 | €628,619 | €599,989 | €527,625 | €436,608 | ▼ 17.3% |
| Amounts payable within one year42/48 | €718,332 | €759,064 | €816,808 | €799,914 | €850,047 | ▲ 6.3% |
| Current portion of amounts payable after more than one year42 | €21,667 | €21,667 | €21,667 | €21,667 | €21,667 | = |
| Financial debts43 | €78,682 | €73,258 | €83,366 | €145,115 | €146,017 | ▲ 0.6% |
| Credit institutions430/8 | €78,682 | €73,258 | €83,366 | €145,115 | €146,017 | ▲ 0.6% |
| Trade debts44 | €280,508 | €313,227 | €372,821 | €288,372 | €329,673 | ▲ 14.3% |
| Suppliers440/4 | €280,508 | €313,227 | €372,821 | €288,372 | €329,673 | ▲ 14.3% |
| Advances received on contracts in progress46 | €314 | €2,565 | - | - | - | - |
| Taxes, remuneration and social security45 | €18,958 | €28,642 | €20,838 | €26,688 | €35,074 | ▲ 31.4% |
| Taxes450/3 | €3,255 | €10,579 | €4,510 | €9,181 | €14,358 | ▲ 56.4% |
| Remuneration and social security454/9 | €15,702 | €18,063 | €16,329 | €17,508 | €20,716 | ▲ 18.3% |
| Other amounts payable47/48 | €318,204 | €319,706 | €318,116 | €318,072 | €317,616 | ▼ 0.1% |
| Accrued charges and deferred income492/3 | €640 | €640 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€50,468 | -€7,705 | -€175 | €5,179 | €33,556 | ▲ 548% |
| + Depreciation and write-downs630 | €53,290 | €54,530 | €46,671 | €57,766 | €40,318 | ▼ 30.2% |
| Operating cash flow (approximation) | €2,822 | €46,825 | €46,496 | €62,945 | €73,874 | ▲ 17.4% |
| Investment in fixed assets (approximation) | - | -€4,773 | -€86,710 | €0 | -€5,860 | - |
| Change in cash | - | €1,580 | -€2,053 | -€1,468 | €11,399 | ▲ 876% |
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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €5,179
Net result €5,179 after 4 loss-making years.
14-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
22-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet -€137,576
Net result drops to -€137,576, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Berlaar · 1 establishment unit since 2008
Ground area
455 m²
Building footprint
648 m²
Volume, LiDAR
3,502 m³
Parcel 12002B0625/00H004, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Auto Gamma
since 20082.167.630.294
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12002B0625/00H004 | Flanders | 455 m² | 1 · 648 m² | 11.2 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.
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Of 1,743 companies in sector 46720 we hold annual accounts for 1,082. 548 are within a factor 10 of this headcount. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded24-10-2007
Fiscal year end31-12
Activities, NACEBEL 2025
46720Wholesale of motor vehicle parts and accessories
46831Wholesale of construction materials, general range
47300Retail sale of automotive fuel
47830Retail sale of motorcycles and motorcycle parts and accessories
E-invoicing
Reachable via Peppol
Peppol ID
0208:0893277948
Also
9925:BE0893277948
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.