AUTO'P SERVICES
ActiveSummary
The computed 12-month bankruptcy probability of AUTO'P SERVICES is 2.5% (moderate). The 2025 annual accounts show negative equity (-€2,080) and a net result of €19,351. Equity is growing by ~43.6% per year across the filed fiscal years. Its solvency ranks better than 21% of 18606 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
Negative equity caps the score. The bankruptcy probability (2.5%) is taken into account and brings the score to 59. Each of these causes sets the same score on its own. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+98
Solvency22▲+22
Growth78▲+20
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.92 against 0.55 in 2024; short-term debt: 102.7% and cash: 38.4% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
Retail trade (NACE 47)
about 45% 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
-3.1%
Return on assets
28.9%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 18606 sector peers (2025).
NBB · sector comparisonPosition among 18606 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 24-03-2026, 37 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
37 d early
2024
30 d early
2023
40 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 36 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 24 March (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€2,080▲ 90.3%
2024 · -€21,432
Total assets
€67,005▲ 71.9%
2024 · €38,985
Net result
€19,351
2024 · -€5,082
Working capital
-€5,842▲ 78.6%
2024 · -€27,241
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail 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
Line202320242025
Operating result-€19,145--€4,807▲ 74.9%€19,496
Net result-€19,350below the sector's middle half--€5,082below the sector's middle half▲ 73.7%€19,351within the sector's middle half
Equity-€16,350below the sector's middle half--€21,432below the sector's middle half▼ 31.1%-€2,080below the sector's middle half▲ 90.3%
Total assets€33,764below the sector's middle half-€38,985below the sector's middle half▲ 15.5%€67,005within the sector's middle half▲ 71.9%
Debt€50,114-€60,417▲ 20.6%€69,086▲ 14.3%
Working capital-€24,350below the sector's middle half--€27,241below the sector's middle half▼ 11.9%-€5,842within the sector's middle half▲ 78.6%
Solvency-48.4%below the sector's middle half--55.0%below the sector's middle half▼ 6.6pp-3.1%below the sector's middle half▲ 51.9pp
Current ratio0.51below the sector's middle half-0.55below the sector's middle half▲ 0.030.92within the sector's middle half▲ 0.37
Return on assets (ROA)-57.3%below the sector's middle half--13.0%below the sector's middle half▲ 44.3pp28.9%above the sector's middle half▲ 41.9pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €19,496 after a loss of €4,807 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €67,005
Fixed assets
€4,000 ▼ 33.3%
Current assets
€63,005 ▲ 91.0%
Key figures and ratios
EBITDA
€21,496▲
2024 · -€2,807
Cash flow
€21,351▲
2024 · -€3,082
Quick ratio
0.80▲
2024 · 0.41
Debt to equity
-33.21▼
2024 · -2.82
Interest coverage
100.01▲
2024 · -9.99
Debt ≤ 1 year
€68,847▲
2024 · €60,226
Staff costs
€20,742▲
2024 · €16,565
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,021 companies that looked in July 2024 the way this one looks now, 5.8% went bankrupt within 24 months and 89% are still going.
- Micro
- 2 to 5 years old
- negative equity
- a profit of 5% of the balance sheet or more
5.8%
went bankrupt
4.0%
stopped otherwise
89%
still going
A further 1.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.5% 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 497,662 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% | 1.7% |
| 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 75% 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 1,021 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 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €8,407 | €16,565 | €20,742 | ▲ 25.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,000 | €2,000 | €2,000 | = |
| Other operating charges640/8 | €3,841 | €1,296 | €5,147 | ▲ 297% |
| Gross operating margin9900 | -€4,897 | €15,054 | €47,384 | ▲ 215% |
| Operating profit (loss)9901 | -€19,145 | -€4,807 | €19,496 | ▲ 506% |
| Financial income75/76B | €0 | €6 | €70 | ▲ 1,039% |
| Recurring financial income75 | €0 | €6 | €70 | ▲ 1,039% |
| Financial charges65/66B | €205 | €281 | €215 | ▼ 23.5% |
| Recurring financial charges65 | €205 | €281 | €215 | ▼ 23.5% |
| Profit (loss) for the period before taxes9903 | -€19,350 | -€5,082 | €19,351 | ▲ 481% |
| Profit (loss) for the period9904 | -€19,350 | -€5,082 | €19,351 | ▲ 481% |
| Profit (loss) for the period to be appropriated9905 | -€19,350 | -€5,082 | €19,351 | ▲ 481% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €33,764 | €38,985 | €67,005 | ▲ 71.9% |
| Fixed assets21/28 | €8,000 | €6,000 | €4,000 | ▼ 33.3% |
| Tangible fixed assets22/27 | €8,000 | €6,000 | €4,000 | ▼ 33.3% |
| Other tangible fixed assets26 | €8,000 | €6,000 | €4,000 | ▼ 33.3% |
| Current assets29/58 | €25,764 | €32,985 | €63,005 | ▲ 91.0% |
| Stocks and contracts in progress3 | - | €8,264 | €8,264 | = |
| Stocks30/36 | - | €8,264 | €8,264 | = |
| Amounts receivable within one year40/41 | €16,902 | €8,178 | €27,991 | ▲ 242% |
| Trade receivables40 | €16,902 | €8,178 | €27,991 | ▲ 242% |
| Cash at bank and in hand54/58 | €8,624 | €15,550 | €25,731 | ▲ 65.5% |
| Deferred charges and accrued income490/1 | €238 | €993 | €1,018 | ▲ 2.5% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €33,764 | €38,985 | €67,005 | ▲ 71.9% |
| Equity10/15 | -€16,350 | -€21,432 | -€2,080 | ▲ 90.3% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | -€19,350 | -€24,432 | -€5,080 | ▲ 79.2% |
| Amounts payable17/49 | €50,114 | €60,417 | €69,086 | ▲ 14.3% |
| Amounts payable within one year42/48 | €50,114 | €60,226 | €68,847 | ▲ 14.3% |
| Trade debts44 | €16,444 | €9,971 | €14,783 | ▲ 48.3% |
| Suppliers440/4 | €16,444 | €9,971 | €14,783 | ▲ 48.3% |
| Taxes, remuneration and social security45 | €11,136 | €14,626 | €14,560 | ▼ 0.5% |
| Taxes450/3 | €5,353 | €6,760 | €7,014 | ▲ 3.8% |
| Remuneration and social security454/9 | €5,784 | €7,867 | €7,546 | ▼ 4.1% |
| Other amounts payable47/48 | €22,534 | €35,629 | €39,504 | ▲ 10.9% |
| Accrued charges and deferred income492/3 | - | €191 | €238 | ▲ 24.9% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€19,350 | -€5,082 | €19,351 | ▲ 481% |
| + Depreciation and write-downs630 | €2,000 | €2,000 | €2,000 | = |
| Operating cash flow (approximation) | -€17,350 | -€3,082 | €21,351 | ▲ 793% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - |
| Change in cash | - | €6,926 | €10,182 | ▲ 47.0% |
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
24-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €19,351
Net result €19,351 after 2 loss-making years.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Court-Saint-Etienne · 1 establishment unit since 2022
Ground area
7,396 m²
Building footprint
1,025 m²
Volume, LiDAR
9,677 m³
Parcel 25023A0064/00S003, Wallonia · tallest building 13.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
AUTO'P SERVICES
since 20222.335.826.811
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25023A0064/00S003 | Wallonia | 7,396 m² | 1 · 1,025 m² | 13.3 m · 3 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.
Similar companies · same sector and region
ALL CAR SERVICE
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GARAGE LALIEUX
BE 0448.435.255
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GP AUTO MOBILE
BE 0830.479.257
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H.B. AUTOMOBILES
BE 0643.896.193
Court-Saint-Etienne
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 10,663 companies in sector 47811 we hold annual accounts for 5,225. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded15-09-2022
Fiscal year end30-09
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
95313Repair and fitting of specific motor vehicle parts
95315Tyre services
95319Other maintenance and repair of motor vehicles
95314Bodywork repair (including spraying and painting)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0790867427
Also
9925:BE0790867427
Registered
23-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.