AUTO M & M
ActiveAUTO M & M has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.45M and a net result of €338k. Equity is growing by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 79% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-7
Solvency92=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €200k at 30 days acceptable
Liquidity ample (current ratio 2.1 against 1.47 in 2024; short-term debt: 19.1% and cash: 32.6% of total assets), and 32.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 2025Solvency, return and age of the figures
Solvency
67.1%
Return on assets
9.3%
Age of the figures
9 mo
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
61 d late
2023
68 d late
2022
70 d late
2021
92 d late
2020
111 d late
2019
122 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
Not included in this filing
EBIT margin
Not included in this filing
Net result
€338k▼ 28.3%
2024 · €472k
2018: €472k
2019: €209k
2020: €65k
2021: €138k
2022: €53k
2023: €284k
2024: €472k
2018 → 2025
Working capital
€763k▲ 160%
2024 · €294k
2018: €532k
2019: €-715k
2020: €-788k
2021: €-510k
2022: €-325k
2023: €316k
2024: €294k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.34M-€1.39M▲ 3.9%€1.68M▲ 20.4%€2.15M▲ 28.1%€2.45M▲ 14.1%
Operating result€138k-€-76k€193k€770k▲ 299%€427k▼ 44.6%
Net result€138k-€53k▼ 61.8%€284k▲ 441%€472k▲ 65.8%€338k▼ 28.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 45% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.65M
Fixed assets
€2.19M▼ 4.8%
Current assets
€1.46M▲ 58.7%
Equity and liabilities €3.65M
Equity
€2.45M▲ 14.1%
Provisions
€200k
Debt
€999k▼ 6.8%
The debt ratio falls from 33.3% to 27.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€458k▼
2024 · €814k
Cash flow
€369k▼
2024 · €516k
Solvency
67.1%▲
2024 · 66.7%
Current ratio
2.10▲
2024 · 1.47
Quick ratio
2.10▲
2024 · 1.47
Debt / equity
0.41▼
2024 · 0.50
ROE
13.8%▼
2024 · 22.0%
ROA
9.3%▼
2024 · 14.6%
Interest coverage
247.33▼
2024 · 526.22
Debt
€999k▼
2024 · €1.07M
Debt ≤ 1 year
€696k▲
2024 · €626k
Debt > 1 year
€303k▼
2024 · €447k
Income taxes
€89k▼
2024 · €301k
Staff costs
€261k▲
2024 · €137k
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€3.22M€3.65M▲
Fixed assets21/28€2.30M€2.19M▼
Tangible fixed assets22/27€70k€39k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€8k€4k▼
Other tangible fixed assets26€58k€33k▼
Financial fixed assets28€2.23M€2.15M▼
Current assets29/58€919k€1.46M▲
Amounts receivable within one year40/41€636k€269k▼
Trade receivables40€615k€177k▼
Other amounts receivable41€21k€92k▲
Cash at bank and in hand54/58€284k€1.19M▲
Equity and liabilities
Total equity and liabilities10/49€3.22M€3.65M▲
Equity10/15€2.15M€2.45M▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€2.13M€2.43M▲
Provisions and deferred taxes16-€200k
Provisions for liabilities and charges160/5-€200k
Major repairs and maintenance162-€200k
Amounts payable17/49€1.07M€999k▼
Amounts payable after more than one year17€447k€303k▼
Financial debts170/4€447k€303k▼
Amounts payable within one year42/48€626k€696k▲
Trade debts44€324k€506k▲
Suppliers440/4€324k€506k▲
Taxes, remuneration and social security45€297k€160k▼
Taxes450/3€279k€133k▼
Remuneration and social security454/9€18k€27k▲
Other amounts payable47/48€4k€30k▲
Income statement
Code20242025
Remuneration, social security and pensions62€137k€261k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€31k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8-€200k
Other operating charges640/8€8k€12k▲
Gross operating margin9900€960k€931k▼
Operating profit (loss)9901€770k€427k▼
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€772k€428k▼
Income taxes67/77€301k€89k▼
Profit (loss) for the period9904€472k€338k▼
Profit (loss) for the period to be appropriated9905€472k€338k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2.13M€2.47M▲
Profit (loss) brought forward from the previous period14P€1.66M€2.13M▲
Profit to be distributed694/7-€36k
Return on contributions (dividend)694-€36k
The notes to these accounts (8 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2018net €472k ▲65.8%
Operating result €770k, net result €472k, both a record.
31-12
Financial
Equity above €2MEq €2.15M ▲28.1%
7 profitable years in a row build equity to €2.15M.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 68 days late
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 70 days late
2022
31-12
Financial
Weakest financial yearnet €53k ▼61.8%
Net result drops to €53k, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 92 days late
2021
19-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 111 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 122 days late
2019
31-12
Financial
Equity above €1MEq €1.14M ▲22.5%
2 profitable years in a row build equity to €1.14M.
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 70 days late
2018
24-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 55 days late
2017
25-07
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
4 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 · 1 establishment unit since 1991
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.
Picardstraat 581080 Sint-Jans-MolenbeekGround area
947 m²
Building footprint
658 m²
Volume, LiDAR
6,224 m³
Parcel 21012A0159/00N000, Brussels · tallest building 16.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
AUTO M & M
since 19912.054.829.687
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21012A0159/00N000 | Brussels | 947 m² | 1 · 658 m² | 16.2 m · 3 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.
Similar companies · same sector, comparable size
A&s partners
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Dépannage Intégral,Mécanique,Electrique et Automobile
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NOVANT
BE 0448.628.562
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DUFEYS
BE 0475.677.706
Namur · Eq €2.32M
GREGOIR & C°
BE 0465.140.140
Dendermonde · Eq €2.61M
Of 2,444 companies in sector 47820 we hold annual accounts for 777. 269 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-10-1991
Fiscal year end31-12
Activities, NACEBEL
47820Retail sale of motor vehicle parts and accessories
50302
46841Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 34 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.