AUTO REPAIR

Active

Private limited companyfounded 20215 yrs activeJos Verlindenstraat(SHL) 75, 3910 Pelt, BelgiumKBO/BCE: BE 0762.471.369

The computed 12-month bankruptcy probability of AUTO REPAIR is 1.5% (moderate). The 2025 annual accounts show negative equity (€-54k) and a net result of €-25k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 2533 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

25 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0▼-31

Solvency0▼-13

Growth32=

Track record94

Bankruptcy probability, 12 months

1.5% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.76 against 0.92 in 2024; short-term debt: 106.5% and cash: 13.6% of total assets), and equity is negative.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2025

Solvency, return and age of the figures

Solvency

-37.2%

Return on assets

-17.2%

Age of the figures

9 mo

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 95

Relative position

BE, all sectors

reference

Sector 95

lower

← fewer bankruptcies more bankruptcies →

Negative equity

The 2025 annual accounts show negative equity and a net loss.

NBB · annual accounts 2025

Equity per financial year

2122232425

2021 to 2025 · latest year €-54k

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-07-2026, 16 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

16 d early

2024

18 d late

2023

27 d late

2022

9 d late

2021

24 d early

← before the deadline after the deadline →

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 months

Position in the running window

20-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

€803k

EBIT margin

3.0%

Net result

€-25k▼ 579%

2024 · €-4k

2021: €17k 2022: €13k 2023: €-62k 2024: €-4k

2021 → 2025

Working capital

€-37k▼ 125%

2024 · €-16k

2021: €75k 2022: €38k 2023: €-68k 2024: €-16k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Turnover€803k-

Equity€24k-€37k▲ 52.3%€-25k€-29k▼ 14.5%€-54k▼ 85.9%

Operating result€24k-€21k▼ 10.6%€-60k€7k€-15k

Net result€17k-€13k▼ 24.1%€-62k€-4k▲ 94.1%€-25k▼ 579%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €15k after €7k in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €144k

19.1%

80.9%

Fixed assets €28k▼ 25.0%

Current assets €117k▼ 40.2%

Key figures and ratios

2025 value · change against 2024

EBITDA

€-6k▼

2024 · €14k

Cash flow

€-16k▼

2024 · €4k

Solvency

-37.2%▼

2024 · -12.4%

Current ratio

0.76▼

2024 · 0.92

Quick ratio

0.56▲

2024 · 0.53

Debt / equity

-3.69▲

2024 · -9.03

ROA

-17.2%▼

2024 · -1.6%

Interest coverage

-0.61▼

2024 · 1.69

Debt

€198k▼

2024 · €260k

Debt ≤ 1 year

€153k▼

2024 · €211k

Debt > 1 year

€44k▼

2024 · €49k

Income taxes

€60▼

2024 · €2k

Staff costs

€31k▲

2024 · €23k

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€232k€144k▼

Fixed assets21/28€37k€28k▼

Tangible fixed assets22/27€32k€22k▼

Plant, machinery and equipment23€22k€16k▼

Furniture and vehicles24€5k€2k▼

Other tangible fixed assets26€5k€4k▼

Financial fixed assets28€5k€5k=

Current assets29/58€195k€117k▼

Stocks and contracts in progress3€82k€31k▼

Stocks30/36€82k€31k▼

Amounts receivable within one year40/41€89k€65k▼

Trade receivables40€80k€62k▼

Other amounts receivable41€9k€3k▼

Cash at bank and in hand54/58€23k€20k▼

Deferred charges and accrued income490/1€656€1k▲

Equity and liabilities

Total equity and liabilities10/49€232k€144k▼

Equity10/15€-29k€-54k▼

Contributions10/11€8k€8k=

Reserves13€13k€13k=

Distributable reserves133€13k€13k=

Profit (loss) carried forward14€-49k€-74k▼

Amounts payable17/49€260k€198k▼

Amounts payable after more than one year17€49k€44k▼

Financial debts170/4€49k€44k▼

Amounts payable within one year42/48€211k€153k▼

Current portion of amounts payable after more than one year42€5k€5k▲

Financial debts43€50k€74k▲

Credit institutions430/8€50k€74k▲

Trade debts44€12k€5k▼

Suppliers440/4€12k€5k▼

Advances received on contracts in progress46-€32k

Taxes, remuneration and social security45€10k€23k▲

Taxes450/3€4k€4k▼

Remuneration and social security454/9€6k€19k▲

Other amounts payable47/48€135k€14k▼

Income statement Code20242025

Remuneration, social security and pensions62€23k€31k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲

Other operating charges640/8€3k€7k▲

Non-recurring operating charges66A€927-

Gross operating margin9900€41k€32k▼

Operating profit (loss)9901€7k€-15k▼

Financial income75/76B€54€15▼

Recurring financial income75€54€15▼

Financial charges65/66B€9k€10k▲

Recurring financial charges65€9k€10k▲

Profit (loss) for the period before taxes9903€-2k€-25k▼

Income taxes67/77€2k€60▼

Profit (loss) for the period9904€-4k€-25k▼

Profit (loss) for the period to be appropriated9905€-4k€-25k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-49k€-74k▼

Profit (loss) brought forward from the previous period14P€-45k€-49k▼

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 1Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

15-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

18-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 18 days late

2024

27-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 27 days late

2023

31-12

Financial Weakest financial yearnet €-62k ▼591%

Net result drops to €-62k, the lowest in the series; recovery starts the following year.

09-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 9 days late

2022

07-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Pelt · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Jos Verlindenstraat(SHL) 753910 Pelt

Ground area

2.9 ha

Building footprint

2,215 m²

Volume, LiDAR

1,125 m³

2 parcels, Flanders · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

AUTO REPAIR

Fabrieksstraat 90E, 3900 PeltRepair, maintenance and installation of machinery and equipment

since 20212.312.403.091

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
72502E0013/00H007	Flanders	2.6 ha	1 · 1,996 m²	-
72033B0270/00C002	Flanders	2,748 m²	1 · 219 m²	6.9 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Public money · subsidies and aid

Flemish government

2025 · 2 entries · 1,298 EUR awarded · 1,298 EUR paid

Year	Entries	awarded	paid
2025	2	1,298 EUR	1,298 EUR

Schemes

Premie kwalificerend werkplekleren

1 entry · 1,000 EUR · 1,000 EUR paid · Departement Werk, Economie, Wetenschap, Innovatie en Sociale Economie

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 298 EUR · 298 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Dual-learning approval

4 live approvals · 4 ended

Autotechnieken duaal (so)

Goedgekeurd · 2023 to 2028

Onderhoudsmecanicien personenwagens en lichte bedrijfsvoertuigen (vwo)

Goedgekeurd · 2023 to 2028

Onderhoudsmechanica auto duaal (so)

Goedgekeurd · 2023 to 2028

Polyvalent mecanicien personenwagens en lichte bedrijfsvoertuigen duaal (so)

Goedgekeurd · 2023 to 2028

Similar companies · same sector, comparable size

Dilsen-Stokkem · Eq €36k

La Louvière · Eq €37k

Of 1,876 companies in sector 95314 we hold annual accounts for 847. 579 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded26-01-2021

Fiscal year end31-12

Activities, NACEBEL

95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)

45204

95314Bodywork repair (including spraying and painting)

46711Wholesale of cars and light vans (up to 3.5 tonnes)

47811Retail sale of cars and light vans (up to 3.5 tonnes)

95315Tyre services

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.