Auto's Carma
ActiveThe computed 12-month bankruptcy probability of Auto's Carma is 1.8% (moderate). The 2025 annual accounts show negative equity (€-20k) and a net result of €2k. Equity is growing by ~14.8% per year across the filed fiscal years. Its solvency ranks better than 12% of 10252 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
40
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▲+48
Solvency21▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.86 against 0.85 in 2024; short-term debt: 103.9% and cash: 10.8% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven 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
Sector 47
higher
← 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
-3.9%
Return on assets
0.4%
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 12% of 10252 sector peers (2025).
NBB · sector comparisonPosition among 10252 sector peers
Solvency
better than 12%
← 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 17-07-2026, 14 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
14 d early
2024
16 d early
2023
84 d late
2022
49 d early
2021
31 d late
2020
19 d early
2019
52 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-20k▲ 9.7%
2024 · €-22k
2019: €-52k
2020: €-39k
2021: €12k
2022: €-30k
2023: €64k
2024: €-22k
2019 → 2025
Total assets
€518k▲ 33.8%
2024 · €387k
2019: €127k
2020: €103k
2021: €159k
2022: €225k
2023: €499k
2024: €387k
2019 → 2025
Net result
€2k
2024 · €-25k
2019: €-57k
2020: €12k
2021: €51k
2022: €-42k
2023: €94k
2024: €-25k
2019 → 2025
Working capital
€-75k▼ 24.9%
2024 · €-60k
2019: €-71k
2020: €-54k
2021: €3k
2022: €-44k
2023: €-53k
2024: €-60k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€-30k€64k€-22k€-20k▲ 9.7%
Operating result€52k-€-41k€115k€-22k€6k
Net result€51k-€-42k€94k€-25k€2k
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 returns to profit in 2025: €6k after a loss of €22k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €518k
Fixed assets
€55k▲ 45.7%
Current assets
€463k▲ 32.5%
Key figures and ratios
EBITDA
€17k▲
2024 · €-12k
Cash flow
€13k▲
2024 · €-15k
Solvency
-3.9%▲
2024 · -5.7%
Current ratio
0.86▲
2024 · 0.85
Quick ratio
0.56▲
2024 · 0.15
Debt / equity
-26.78▼
2024 · -18.40
ROA
0.4%▲
2024 · -6.6%
Interest coverage
4.80▲
2024 · -1.48
Debt
€538k▲
2024 · €409k
Debt ≤ 1 year
€538k▲
2024 · €409k
Income taxes
€495▲
2024 · €352
Staff costs
€82k▲
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€387k€518k▲
Fixed assets21/28€38k€55k▲
Tangible fixed assets22/27€38k€55k▲
Plant, machinery and equipment23€30k€25k▼
Furniture and vehicles24€7k€30k▲
Other tangible fixed assets26€538€308▼
Current assets29/58€349k€463k▲
Stocks and contracts in progress3€289k€164k▼
Stocks30/36€289k€164k▼
Amounts receivable within one year40/41€41k€219k▲
Trade receivables40€18k€216k▲
Other amounts receivable41€23k€3k▼
Cash at bank and in hand54/58€12k€56k▲
Deferred charges and accrued income490/1€8k€24k▲
Equity and liabilities
Total equity and liabilities10/49€387k€518k▲
Equity10/15€-22k€-20k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€-27k€-25k▲
Amounts payable17/49€409k€538k▲
Amounts payable within one year42/48€409k€538k▲
Trade debts44€4k€172k▲
Suppliers440/4€4k€172k▲
Advances received on contracts in progress46-€59k
Taxes, remuneration and social security45€12k€31k▲
Taxes450/3€2k€12k▲
Remuneration and social security454/9€10k€19k▲
Other amounts payable47/48€393k€277k▼
Accrued charges and deferred income492/3-€109
Income statement
Code20242025
Non-recurring operating income76A-€4k
Remuneration, social security and pensions62€39k€82k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€2k-
Other operating charges640/8€3k€6k▲
Non-recurring operating charges66A€224-
Gross operating margin9900€32k€105k▲
Operating profit (loss)9901€-22k€6k▲
Financial income75/76B€5k€462▼
Recurring financial income75€5k€462▼
Financial charges65/66B€8k€3k▼
Recurring financial charges65€8k€3k▼
Profit (loss) for the period before taxes9903€-25k€3k▲
Income taxes67/77€352€495▲
Profit (loss) for the period9904€-25k€2k▲
Profit (loss) for the period to be appropriated9905€-25k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-27k€-25k▲
Profit (loss) brought forward from the previous period14P€-2k€-27k▼
Social balance
Average headcount (FTE)90870.81.8▲
The notes to these accounts (10 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 84 days late
2023
31-12
Financial
Back to profitnet €94k
Net result €94k after one loss-making year.
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
21-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 52 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Houthalen-Helchteren · 1 establishment unit since 2019
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.
Saviostraat 323530 Houthalen-HelchterenGround area
1,090 m²
Building footprint
175 m²
Volume, LiDAR
969 m³
Parcel 72452E0577/00F000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Auto's Carma
since 20192.289.908.692
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72452E0577/00F000 | Flanders | 1,090 m² | 1 · 175 m² | 8.2 m · 2 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 207 EUR awarded · 207 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 207 EUR | 207 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 10,679 companies in sector 47811 we hold annual accounts for 5,225. 3,447 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-06-2019
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
45204
47820Retail sale of motor vehicle parts and accessories
45402
47120Other non-specialised retail sale
47830Retail sale of motorcycles and motorcycle parts and accessories
47910Retail trade
77110Renting and leasing of cars and light motor vehicles
95314Bodywork repair (including spraying and painting)
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.autoscarma.be
E-mail:info@autoscarma.be