AUTO HALAOUI
ActiveSummary
AUTO HALAOUI has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €84k and a net result of €12k. Equity is growing by ~31.3% per year across the filed fiscal years. Its solvency ranks better than 25% of 220 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2026
40
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability37▼-9
Solvency28▲+1
Growth56=
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity tight (current ratio 1.04 against 1.03 in 2025; short-term debt: 96.2% and cash: 17.7% of total assets), and 97.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
Sector 47
higher
← 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 2026Solvency, return and age of the figures
Solvency
2.7%
Return on assets
0.4%
Age of the figures
6 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 08-09-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
53 d early
2025
38 d early
2024
28 d early
2023
42 d early
2022
4 d late
2021
16 d late
2020
2 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, abbreviated schema
Turnover
€5.32M▼ 6.1%
2019 · €5.66M
2019: €5.66M
2019 → 2020
EBIT margin
0.0%▼ 0.1pp
2019 · 0.1%
2019: 0.1%
2019 → 2020
Net result
€12k▼ 47.2%
2025 · €24k
2019: €345
2020: €-2k
2021: €4k
2022: €43k
2023: €-18k
2024: €5k
2025: €24k
2019 → 2026
Working capital
€107k▲ 16.1%
2025 · €92k
2019: €85k
2020: €114k
2021: €91k
2022: €130k
2023: €61k
2024: €52k
2025: €92k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€60k-€43k▼ 29.2%€48k▲ 12.6%€72k▲ 49.1%€84k▲ 17.4%
Operating result€48k-€-44€20k€44k▲ 121%€34k▼ 22.6%
Net result€43k-€-18k€5k€24k▲ 339%€12k▼ 47.2%
Result per fiscal year
Operating resultNet result
The operating result falls in 2026; 2026 is 23% below 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €3.11M
Fixed assets
€11k ▼ 33.8%
Current assets
€3.10M ▼ 4.1%
Equity and liabilities €3.11M
Equity
€84k ▲ 17.4%
Provisions
€25k ▼ 10.4%
Debt
€3.00M ▼ 4.7%
Debt's share of the balance-sheet total falls from 96.9% to 96.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€42k▼
2025 · €56k
Cash flow
€20k▼
2025 · €36k
Current ratio
1.04▲
2025 · 1.03
Quick ratio
0.30▲
2025 · 0.24
Debt to equity
35.69▼
2025 · 43.97
ROE
14.8%▼
2025 · 32.9%
ROA
0.4%▼
2025 · 0.7%
Interest coverage
2.10▼
2025 · 3.15
Debt ≤ 1 year
€2.99M▼
2025 · €3.14M
Debt > 1 year
€8k=
2025 · €8k
Income taxes
€3k▼
2025 · €5k
Staff costs
€191k▼
2025 · €238k
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 · 2026 against 2025 · 47 lines
Balance sheet
Code20252026
Assets
Total assets20/58€3.25M€3.11M▼
Fixed assets21/28€16k€11k▼
Tangible fixed assets22/27€9k€3k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€6k-
Leasing and similar rights25-€2k
Financial fixed assets28€7k€7k=
Current assets29/58€3.24M€3.10M▼
Stocks and contracts in progress3€2.49M€2.19M▼
Stocks30/36€2.49M€2.19M▼
Amounts receivable within one year40/41€192k€361k▲
Trade receivables40€132k€314k▲
Other amounts receivable41€60k€47k▼
Cash at bank and in hand54/58€551k€552k▲
Equity and liabilities
Total equity and liabilities10/49€3.25M€3.11M▼
Equity10/15€72k€84k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€52k€64k▲
Provisions and deferred taxes16€28k€25k▼
Provisions for liabilities and charges160/5€28k€25k▼
Pensions and similar obligations160€28k€25k▼
Amounts payable17/49€3.15M€3.00M▼
Amounts payable after more than one year17€8k€8k=
Financial debts170/4€8k€8k=
Amounts payable within one year42/48€3.14M€2.99M▼
Trade debts44€757k€727k▼
Suppliers440/4€757k€727k▼
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€2.39M€2.27M▼
Income statement
Code20252026
Remuneration, social security and pensions62€238k€191k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€8k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€-511€-3k▼
Other operating charges640/8€6k€67k▲
Gross operating margin9900€299k€297k▼
Operating profit (loss)9901€44k€34k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€18k€20k▲
Recurring financial charges65€18k€20k▲
Profit (loss) for the period before taxes9903€29k€16k▼
Income taxes67/77€5k€3k▼
Profit (loss) for the period9904€24k€12k▼
Profit (loss) for the period to be appropriated9905€24k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€64k▲
Profit (loss) brought forward from the previous period14P€28k€52k▲
Social balance
Average headcount (FTE)90876.45.8▼
The notes to these accounts (9 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 2027, expected by
2026
08-09
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
2025
23-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
03-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
31-03
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
2023
19-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
31-03
Financial
Weakest financial yearnet €-18k ▼141%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
2022
04-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 4 days late
31-03
Financial
Highest result since 2019net €43k ▲860%
Operating result €48k, net result €43k, both a record.
2021
16-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 16 days late
31-03
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
2020
02-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
21-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sint-Jans-Molenbeek · 3 establishment units since 2000
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.
Birminghamstraat 481080 Sint-Jans-MolenbeekGround area
3,162 m²
Building footprint
1,702 m²
Volume, LiDAR
12,507 m³
3 parcels, Brussels, Flanders · tallest building 12.6 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
AUTO HALAOUI
since 20002.100.767.701
A & H Cars
since 20182.276.974.139
AUTO HALAOUI
since 20222.330.549.912
3 parcels
Flanders
1
(33.3%)
Brussels
2
(66.7%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21523B0939/00T100 | Brussels | 1,269 m² | 1 · 211 m² | 11.8 m · 3 fl. |
| 21523B0939/00L092 | Brussels | 1,243 m² | 1 · 1,153 m² | 9.3 m · 2 fl. |
| 23352F0194/00H007indicative | Flanders | 650 m² | 1 · 338 m² | 12.6 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
2 of 3 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
PHOENIX GENERAL SERVICES
BE 0837.238.474
Aartselaar · Eq €84,172
C.L. PROCAR
BE 0463.450.657
Comblain-au-Pont · Eq €84,201
Edemcar
BE 0792.784.760
Wevelgem · Eq €84,219
STATION
BE 0847.061.111
Virton · Eq €84,008
DDPNEU
BE 0552.887.330
Fleurus · Eq €83,881
Of 10,671 companies in sector 47811 we hold annual accounts for 5,222. 3,564 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
Founded11-02-2000
Fiscal year end31-03
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46711Wholesale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.