AUTO MAT1
ActiveAUTO MAT1 has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €191k and a net result of €15k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 40% of 11185 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability40▲+13
Solvency54▲+6
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity tight (current ratio 1.39 against 1.34 in 2024), and 70.9% 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 · 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
Sector 46
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
29.1%
Return on assets
2.3%
Age of the figures
14 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €191k
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 28-01-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
on the day
2023
on the day
2022
on the day
2021
on the day
2020
1 d late
2019
1 d early
← before the deadline
after the deadline →
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 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€191k▲ 8.8%
2024 · €176k
2019: €178k
2020: €186k
2021: €188k
2022: €183k
2023: €166k
2024: €176k
2019 → 2025
Total assets
€658k▼ 0.7%
2024 · €662k
2019: €475k
2020: €491k
2021: €504k
2022: €596k
2023: €647k
2024: €662k
2019 → 2025
Net result
€15k▲ 62.0%
2024 · €10k
2019: €7k
2020: €9k
2021: €2k
2022: €-5k
2023: €-16k
2024: €10k
2019 → 2025
Working capital
€184k▲ 11.7%
2024 · €165k
2019: €133k
2020: €172k
2021: €169k
2022: €184k
2023: €152k
2024: €165k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€188k-€183k▼ 2.8%€166k▼ 9.0%€176k▲ 5.7%€191k▲ 8.8%
Operating result€8k-€-884€-12k▼ 1,297%€14k€23k▲ 58.3%
Net result€2k-€-5k€-16k▼ 218%€10k€15k▲ 62.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 58% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €658k
Fixed assets
€7k▼ 41.0%
Current assets
€650k=
Equity and liabilities €658k
Equity
€191k▲ 8.8%
Debt
€466k▼ 4.2%
The debt ratio falls from 73.5% to 70.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€28k▲
2024 · €19k
Cash flow
€21k▲
2024 · €15k
Solvency
29.1%▲
2024 · 26.5%
Current ratio
1.39▲
2024 · 1.34
Quick ratio
0.11▼
2024 · 0.12
Debt / equity
2.44▼
2024 · 2.77
ROE
8.1%▲
2024 · 5.4%
ROA
2.3%▲
2024 · 1.4%
Interest coverage
6.63▲
2024 · 4.07
Debt
€466k▼
2024 · €487k
Debt ≤ 1 year
€466k▼
2024 · €486k
Income taxes
€3k
Staff costs
€39k▼
2024 · €39k
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€662k€658k▼
Fixed assets21/28€12k€7k▼
Tangible fixed assets22/27€12k€7k▼
Land and buildings22€12k€7k▼
Plant, machinery and equipment23€74€418▲
Current assets29/58€650k€650k=
Stocks and contracts in progress3€594k€597k▲
Stocks30/36€594k€597k▲
Amounts receivable within one year40/41€52k€50k▼
Trade receivables40€52k€50k▼
Other amounts receivable41€0-
Cash at bank and in hand54/58€4k€3k▼
Deferred charges and accrued income490/1€560€1k▲
Equity and liabilities
Total equity and liabilities10/49€662k€658k▼
Equity10/15€176k€191k▲
Contributions10/11€30k€30k=
Reserves13€146k€161k▲
Tax-exempt reserves132€25k€25k=
Distributable reserves133€121k€136k▲
Amounts payable17/49€487k€466k▼
Amounts payable within one year42/48€486k€466k▼
Financial debts43€23k€21k▼
Credit institutions430/8€23k€21k▼
Trade debts44€230k€108k▼
Suppliers440/4€230k€108k▼
Taxes, remuneration and social security45€18k€36k▲
Taxes450/3€7k€18k▲
Remuneration and social security454/9€11k€18k▲
Other amounts payable47/48€214k€301k▲
Accrued charges and deferred income492/3€1k€0▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€39k€39k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€4k€1k▼
Non-recurring operating charges66A€6k€0▼
Gross operating margin9900€68k€68k▲
Operating profit (loss)9901€14k€23k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€10k€18k▲
Income taxes67/77-€3k
Profit (loss) for the period9904€10k€15k▲
Profit (loss) for the period to be appropriated9905€10k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€15k▲
Transfer from equity791/2€0-
Transfer to equity691/2€10k€15k▲
To other reserves6921€10k€15k▲
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
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €15k ▲62%
Operating result €23k, net result €15k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €-16k
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
Matin-Moh’d Nedal
CurrentDirector · since 11-12-2023
11-12-2023
Resigned as Director
11-12-2023
Appointed as Director
Location & real-estate footprint
Registered office, Ottignies-Louvain-la-Neuve · 1 establishment unit 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.
Avenue Provinciale 1351341 Ottignies-Louvain-la-NeuveGround area
1,636 m²
Building footprint
2,191 m²
Volume, LiDAR
16,092 m³
Parcel 25016A0173/00A002, Wallonia · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
AUTO MAT1
since 20092.176.009.809
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25016A0173/00A002 | Wallonia | 1,636 m² | 1 · 2,191 m² | 10.0 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
OR'GENT
BE 0771.562.051
Brugge · Eq €192k
OTR-EM
BE 0688.999.413
Maasmechelen · Eq €193k
NEDERMAN
BE 0420.715.031
Sint-Pieters-Leeuw · Eq €193k
SMEETS IMPORT-EXPORT
BE 0886.233.273
Peer · Eq €194k
QUALITY EQUIPMENT & TECHNOLOGIES
BE 0888.906.218
Izegem · Eq €196k
Of 1,744 companies in sector 46720 we hold annual accounts for 1,080. 731 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-01-2009
Fiscal year end30-06
Activities, NACEBEL
45310
47820Retail sale of motor vehicle parts and accessories
46720Wholesale of motor vehicle parts and accessories
45402
47830Retail sale of motorcycles and motorcycle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:010/611018