AUTO-MOBILE
ActiveSummary
AUTO-MOBILE has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18k and a net result of €9k. Equity is growing by ~66.4% per year across the filed fiscal years. Its solvency ranks better than 25% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability71▼-1
Solvency29▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.96 against 2.52 in 2024; short-term debt: 51% and cash: 18.6% of total assets), but 96.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
3.8%
Return on assets
1.9%
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 25% of 18400 sector peers (2025).
NBB · sector comparisonPosition among 18400 sector peers
Solvency
better than 25%
← 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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
57 d early
2023
29 d early
2022
3 d late
2021
30 d late
2020
31 d late
2019
52 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€18k▲ 106%
2024 · €9k
2018: €-42klowest in 8 years
2019: €-39k▲ +9.1% vs 2018
2020: €-21k▲ +44.8% vs 2019
2021: €-5k▲ +76.0% vs 2020
2022: €404▲ +108% vs 2021
2023: €-819▼ -303% vs 2022
2024: €9k▲ +1189% vs 2023
2025: €18k▲ +106% vs 2024highest in 8 years
2018 → 2025
Total assets
€488k▲ 18.3%
2024 · €413k
2018: €324klowest in 8 years
2019: €346k▲ +6.6% vs 2018
2020: €349k▲ +0.9% vs 2019
2021: €367k▲ +5.3% vs 2020
2022: €395k▲ +7.4% vs 2021
2023: €394k▼ -0.1% vs 2022
2024: €413k▲ +4.8% vs 2023
2025: €488k▲ +18.3% vs 2024highest in 8 years
2018 → 2025
Net result
€9k▼ 3.3%
2024 · €10k
2018: €-57
2019: €4k▲ +6821% vs 2018
2020: €17k▲ +348% vs 2019highest in 8 years
2021: €16k▼ -6.2% vs 2020
2022: €6k▼ -65.9% vs 2021
2023: €-1k▼ -122% vs 2022lowest in 8 years
2024: €10k▲ +897% vs 2023
2025: €9k▼ -3.3% vs 2024
2018 → 2025
Working capital
€238k▼ 3.8%
2024 · €247k
2018: €207klowest in 8 years
2019: €208k▲ +0.5% vs 2018
2020: €229k▲ +10.2% vs 2019
2021: €249k▲ +8.8% vs 2020
2022: €256k▲ +2.7% vs 2021
2023: €256k● +0.0% vs 2022highest in 8 years
2024: €247k▼ -3.5% vs 2023
2025: €238k▼ -3.8% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-5k-€404€-819€9k€18k▲ 106%
2021: €-5klowest in 5 years
2022: €404▲ +108% vs 2021
2023: €-819▼ -303% vs 2022
2024: €9k▲ +1189% vs 2023
2025: €18k▲ +106% vs 2024highest in 5 years
Operating result€23k-€13k▼ 44.5%€2k▼ 83.0%€17k▲ 675%€15k▼ 8.8%
2021: €23khighest in 5 years
2022: €13k▼ -44.5% vs 2021
2023: €2k▼ -83.0% vs 2022lowest in 5 years
2024: €17k▲ +675% vs 2023
2025: €15k▼ -8.8% vs 2024
Net result€16k-€6k▼ 65.9%€-1k€10k€9k▼ 3.3%
2021: €16khighest in 5 years
2022: €6k▼ -65.9% vs 2021
2023: €-1k▼ -122% vs 2022lowest in 5 years
2024: €10k▲ +897% vs 2023
2025: €9k▼ -3.3% vs 2024
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €488k
Fixed assets
€1k ▼ 50.0%
Current assets
€487k ▲ 18.7%
Equity and liabilities €488k
Equity
€18k ▲ 106%
Debt
€470k ▲ 16.3%
Debt's share of the balance-sheet total falls from 97.8% to 96.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€16k▼
2024 · €18k
Cash flow
€11k▼
2024 · €11k
Current ratio
1.96▼
2024 · 2.52
Quick ratio
0.38▼
2024 · 1.13
Debt to equity
25.61▼
2024 · 45.26
ROE
51.3%▼
2024 · 109.2%
ROA
1.9%▼
2024 · 2.4%
Interest coverage
20.94▲
2024 · 9.41
Debt ≤ 1 year
€249k▲
2024 · €163k
Debt > 1 year
€221k▼
2024 · €241k
Income taxes
€5k▼
2024 · €5k
Staff costs
€23k▼
2024 · €23k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€413k€488k▲
Fixed assets21/28€3k€1k▼
Tangible fixed assets22/27€3k€1k▼
Land and buildings22€3k€1k▼
Current assets29/58€410k€487k▲
Stocks and contracts in progress3€227k€393k▲
Stocks30/36€227k€393k▲
Amounts receivable within one year40/41€31k€2k▼
Trade receivables40€28k€0▼
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€152k€91k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€413k€488k▲
Equity10/15€9k€18k▲
Contributions10/11€86k€86k=
Profit (loss) carried forward14€-77k€-68k▲
Amounts payable17/49€404k€470k▲
Amounts payable after more than one year17€241k€221k▼
Financial debts170/4€241k€221k▼
Amounts payable within one year42/48€163k€249k▲
Financial debts43€839€138▼
Credit institutions430/8€839€138▼
Trade debts44€14k€76k▲
Suppliers440/4€14k€76k▲
Taxes, remuneration and social security45€12k€16k▲
Taxes450/3€6k€11k▲
Remuneration and social security454/9€6k€5k▼
Other amounts payable47/48€137k€157k▲
Income statement
Code20242025
Remuneration, social security and pensions62€23k€23k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Other operating charges640/8€2k€2k▼
Gross operating margin9900€43k€41k▼
Operating profit (loss)9901€17k€15k▼
Financial income75/76B€1€1▲
Recurring financial income75€1€1▲
Financial charges65/66B€2k€788▼
Recurring financial charges65€2k€788▼
Profit (loss) for the period before taxes9903€15k€14k▼
Income taxes67/77€5k€5k▼
Profit (loss) for the period9904€10k€9k▼
Profit (loss) for the period to be appropriated9905€10k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-77k€-68k▲
Profit (loss) brought forward from the previous period14P€-87k€-77k▲
Social balance
Average headcount (FTE)90870.5-
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €14k | €19k | €8k | €23k | €23k | ▼ 2.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €1k | €3k | €1k | €1k | = |
| Other operating charges640/8 | €2k | €1k | €1k | €2k | €2k | ▼ 4.8% |
| Gross operating margin9900 | €42k | €35k | €14k | €43k | €41k | ▼ 5.0% |
| Operating profit (loss)9901 | €23k | €13k | €2k | €17k | €15k | ▼ 8.8% |
| Financial income75/76B | €0 | €57 | €3 | €1 | €1 | ▲ 80.0% |
| Recurring financial income75 | €0 | €57 | €3 | €1 | €1 | ▲ 80.0% |
| Financial charges65/66B | €3k | €3k | €3k | €2k | €788 | ▼ 58.7% |
| Recurring financial charges65 | €3k | €3k | €3k | €2k | €788 | ▼ 58.7% |
| Profit (loss) for the period before taxes9903 | €20k | €10k | €-955 | €15k | €14k | ▼ 2.3% |
| Income taxes67/77 | €3k | €4k | €268 | €5k | €5k | ▼ 0.4% |
| Profit (loss) for the period9904 | €16k | €6k | €-1k | €10k | €9k | ▼ 3.3% |
| Profit (loss) for the period to be appropriated9905 | €16k | €6k | €-1k | €10k | €9k | ▼ 3.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €367k | €395k | €394k | €413k | €488k | ▲ 18.3% |
| Fixed assets21/28 | €6k | €5k | €4k | €3k | €1k | ▼ 50.0% |
| Tangible fixed assets22/27 | €6k | €5k | €4k | €3k | €1k | ▼ 50.0% |
| Land and buildings22 | €6k | €5k | €4k | €3k | €1k | ▼ 50.0% |
| Current assets29/58 | €361k | €389k | €390k | €410k | €487k | ▲ 18.7% |
| Stocks and contracts in progress3 | €195k | €281k | €233k | €227k | €393k | ▲ 73.1% |
| Stocks30/36 | €195k | €281k | €233k | €227k | €393k | ▲ 73.1% |
| Amounts receivable within one year40/41 | €41k | €61k | €76k | €31k | €2k | ▼ 92.1% |
| Trade receivables40 | €34k | €60k | €68k | €28k | €0 | ▼ 100% |
| Other amounts receivable41 | €7k | €56 | €8k | €3k | €2k | ▼ 22.0% |
| Cash at bank and in hand54/58 | €123k | €45k | €79k | €152k | €91k | ▼ 40.2% |
| Deferred charges and accrued income490/1 | €1k | €2k | €2k | €1k | €1k | ▲ 24.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €367k | €395k | €394k | €413k | €488k | ▲ 18.3% |
| Equity10/15 | €-5k | €404 | €-819 | €9k | €18k | ▲ 106% |
| Contributions10/11 | €86k | €86k | €86k | €86k | €86k | = |
| Profit (loss) carried forward14 | €-91k | €-86k | €-87k | €-77k | €-68k | ▲ 12.2% |
| Amounts payable17/49 | €372k | €394k | €395k | €404k | €470k | ▲ 16.3% |
| Amounts payable after more than one year17 | €261k | €261k | €261k | €241k | €221k | ▼ 8.3% |
| Financial debts170/4 | €261k | €261k | €261k | €241k | €221k | ▼ 8.3% |
| Amounts payable within one year42/48 | €111k | €133k | €134k | €163k | €249k | ▲ 52.8% |
| Financial debts43 | - | - | - | €839 | €138 | ▼ 83.5% |
| Credit institutions430/8 | - | - | - | €839 | €138 | ▼ 83.5% |
| Trade debts44 | €5k | €9k | €17k | €14k | €76k | ▲ 447% |
| Suppliers440/4 | €5k | €9k | €17k | €14k | €76k | ▲ 447% |
| Taxes, remuneration and social security45 | €6k | €15k | €8k | €12k | €16k | ▲ 41.4% |
| Taxes450/3 | €4k | €10k | €5k | €6k | €11k | ▲ 91.8% |
| Remuneration and social security454/9 | €2k | €4k | €3k | €6k | €5k | ▼ 10.4% |
| Other amounts payable47/48 | €100k | €110k | €109k | €137k | €157k | ▲ 14.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16k | €6k | €-1k | €10k | €9k | ▼ 3.3% |
| + Depreciation and write-downs630 | €4k | €1k | €3k | €1k | €1k | = |
| Operating cash flow (approximation) | €20k | €7k | €1k | €11k | €11k | ▼ 2.9% |
| Investment in fixed assets (approximation) | - | €0 | €-1k | €0 | €0 | - |
| Change in cash | - | €-78k | €34k | €72k | €-61k | ▼ 184% |
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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-1k
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €17k ▲348%
Net result €17k, the highest in the series.
21-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 52 days late
2019
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
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, Lennik · 1 establishment unit since 2003
Ground area
954 m²
Building footprint
128 m²
Volume, LiDAR
452 m³
Parcel 23072E0550/00S000, Flanders · tallest building 5.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
AUTO-MOBILE
since 20032.132.498.775
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23072E0550/00S000 | Flanders | 954 m² | 1 · 128 m² | 5.5 m · 1 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 10,667 companies in sector 47811 we hold annual accounts for 5,220. 2,610 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-06-2003
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
55203Holiday cottages, homes and apartments
Contact
Phone
0475/51 54 34Lennik
Scores and ratios are computed by Checked and are not a credit decision.