AUTO'S JAMES
ActiveSummary
AUTO'S JAMES has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €219k and a net result of €49k. Equity is growing by ~21.1% per year across the filed fiscal years. Its solvency ranks better than 51% of 8048 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▲+33
Solvency70▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity short (current ratio 0.56 against 0.52 in 2024; short-term debt: 55.1% and cash: 7.1% of total assets), and 55.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
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
44.9%
Return on assets
10%
Age of the figures
9 mo
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
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
5 d late
2024
46 d late
2023
142 d late
2022
58 d late
2021
31 d late
2020
30 d late
2019
26 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, abbreviated schema
Equity
€219k▲ 28.7%
2024 · €170k
2018: €89k
2019: €66k▼ -26.1% vs 2018lowest in 8 years
2020: €75k▲ +13.6% vs 2019
2021: €84k▲ +12.2% vs 2020
2022: €118k▲ +40.4% vs 2021
2023: €163k▲ +37.9% vs 2022
2024: €170k▲ +4.3% vs 2023
2025: €219k▲ +28.7% vs 2024highest in 8 years
2018 → 2025
Total assets
€488k▼ 4.1%
2024 · €509k
2018: €830k
2019: €788k▼ -5.1% vs 2018
2020: €840k▲ +6.6% vs 2019highest in 8 years
2021: €461k▼ -45.1% vs 2020lowest in 8 years
2022: €508k▲ +10.3% vs 2021
2023: €503k▼ -1.0% vs 2022
2024: €509k▲ +1.1% vs 2023
2025: €488k▼ -4.1% vs 2024
2018 → 2025
Net result
€49k▲ 595%
2024 · €7k
2018: €4k
2019: €-23k▼ -632% vs 2018lowest in 8 years
2020: €9k▲ +139% vs 2019
2021: €9k▲ +2.2% vs 2020
2022: €34k▲ +271% vs 2021
2023: €45k▲ +31.7% vs 2022
2024: €7k▼ -84.3% vs 2023
2025: €49k▲ +595% vs 2024highest in 8 years
2018 → 2025
Working capital
€-118k▲ 25.3%
2024 · €-158k
2018: €242khighest in 8 years
2019: €210k▼ -13.4% vs 2018
2020: €199k▼ -4.8% vs 2019
2021: €-151k▼ -176% vs 2020
2022: €-160k▼ -5.5% vs 2021lowest in 8 years
2023: €-141k▲ +11.6% vs 2022
2024: €-158k▼ -11.7% vs 2023
2025: €-118k▲ +25.3% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€84k-€118k▲ 40.4%€163k▲ 37.9%€170k▲ 4.3%€219k▲ 28.7%
2021: €84klowest in 5 years
2022: €118k▲ +40.4% vs 2021
2023: €163k▲ +37.9% vs 2022
2024: €170k▲ +4.3% vs 2023
2025: €219k▲ +28.7% vs 2024highest in 5 years
Operating result€28k-€47k▲ 68.5%€128k▲ 170%€20k▼ 84.2%€84k▲ 316%
2021: €28k
2022: €47k▲ +68.5% vs 2021
2023: €128k▲ +170% vs 2022highest in 5 years
2024: €20k▼ -84.2% vs 2023lowest in 5 years
2025: €84k▲ +316% vs 2024
Net result€9k-€34k▲ 271%€45k▲ 31.7%€7k▼ 84.3%€49k▲ 595%
2021: €9k
2022: €34k▲ +271% vs 2021
2023: €45k▲ +31.7% vs 2022
2024: €7k▼ -84.3% vs 2023lowest in 5 years
2025: €49k▲ +595% vs 2024highest in 5 years
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 recovers in 2025; 2025 is 316% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €488k
Fixed assets
€337k ▼ 0.8%
Current assets
€151k ▼ 10.7%
Equity and liabilities €488k
Equity
€219k ▲ 28.7%
Debt
€269k ▼ 20.6%
Debt's share of the balance-sheet total falls from 66.5% to 55.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€104k▲
2024 · €37k
Cash flow
€69k▲
2024 · €24k
Current ratio
0.56▲
2024 · 0.52
Quick ratio
0.31▲
2024 · 0.09
Debt to equity
1.23▼
2024 · 1.99
ROE
22.3%▲
2024 · 4.1%
ROA
10.0%▲
2024 · 1.4%
Interest coverage
10.85▲
2024 · 3.29
Debt ≤ 1 year
€269k▼
2024 · €327k
Income taxes
€25k▲
2024 · €2k
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€509k€488k▼
Fixed assets21/28€340k€337k▼
Tangible fixed assets22/27€339k€336k▼
Land and buildings22€307k€301k▼
Plant, machinery and equipment23€32k€36k▲
Financial fixed assets28€504€504=
Current assets29/58€169k€151k▼
Stocks and contracts in progress3€139k€68k▼
Stocks30/36€139k€68k▼
Amounts receivable within one year40/41€28k€48k▲
Trade receivables40€28k€48k▲
Cash at bank and in hand54/58€405€35k▲
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€509k€488k▼
Equity10/15€170k€219k▲
Contributions10/11€34k€34k=
Revaluation surpluses12€240k€240k=
Reserves13€17k€17k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€13k€13k=
Profit (loss) carried forward14€-120k€-71k▲
Amounts payable17/49€338k€269k▼
Amounts payable after more than one year17€12k-
Financial debts170/4€10k-
Other amounts payable178/9€1k-
Amounts payable within one year42/48€327k€269k▼
Current portion of amounts payable after more than one year42€11k-
Financial debts43€66k-
Credit institutions430/8€66k-
Trade debts44€70k€76k▲
Suppliers440/4€70k€76k▲
Advances received on contracts in progress46-€7k
Taxes, remuneration and social security45€12k€26k▲
Taxes450/3€12k€26k▲
Other amounts payable47/48€167k€160k▼
Income statement
Code20242025
Non-recurring operating income76A€3k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€20k▲
Other operating charges640/8€725€539▼
Non-recurring operating charges66A€5k-
Gross operating margin9900€43k€105k▲
Operating profit (loss)9901€20k€84k▲
Financial income75/76B€201€37▼
Recurring financial income75€201€37▼
Financial charges65/66B€11k€10k▼
Recurring financial charges65€11k€10k▼
Profit (loss) for the period before taxes9903€9k€74k▲
Income taxes67/77€2k€25k▲
Profit (loss) for the period9904€7k€49k▲
Profit (loss) for the period to be appropriated9905€7k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-120k€-71k▲
Profit (loss) brought forward from the previous period14P€-127k€-120k▲
The notes to these accounts (6 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €4k | €2k | - | €3k | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15k | €17k | €18k | €17k | €20k | ▲ 19.9% |
| Other operating charges640/8 | €257 | €339 | €227 | €725 | €539 | ▼ 25.7% |
| Non-recurring operating charges66A | - | - | - | €5k | - | - |
| Gross operating margin9900 | €43k | €65k | €146k | €43k | €105k | ▲ 145% |
| Operating profit (loss)9901 | €28k | €47k | €128k | €20k | €84k | ▲ 316% |
| Financial income75/76B | €247 | €1k | €48 | €201 | €37 | ▼ 81.4% |
| Recurring financial income75 | €247 | €1k | €48 | €201 | €37 | ▼ 81.4% |
| Financial charges65/66B | €19k | €14k | €10k | €11k | €10k | ▼ 14.9% |
| Recurring financial charges65 | €19k | €14k | €10k | €11k | €10k | ▼ 14.9% |
| Profit (loss) for the period before taxes9903 | €9k | €34k | €118k | €9k | €74k | ▲ 720% |
| Income taxes67/77 | - | - | €73k | €2k | €25k | ▲ 1,149% |
| Profit (loss) for the period9904 | €9k | €34k | €45k | €7k | €49k | ▲ 595% |
| Profit (loss) for the period to be appropriated9905 | €9k | €34k | €45k | €7k | €49k | ▲ 595% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €461k | €508k | €503k | €509k | €488k | ▼ 4.1% |
| Fixed assets21/28 | €351k | €359k | €351k | €340k | €337k | ▼ 0.8% |
| Tangible fixed assets22/27 | €351k | €359k | €351k | €339k | €336k | ▼ 0.8% |
| Land and buildings22 | €328k | €321k | €313k | €307k | €301k | ▼ 1.9% |
| Plant, machinery and equipment23 | €23k | €38k | €38k | €32k | €36k | ▲ 9.9% |
| Financial fixed assets28 | - | - | - | €504 | €504 | = |
| Current assets29/58 | €110k | €149k | €152k | €169k | €151k | ▼ 10.7% |
| Stocks and contracts in progress3 | €94k | €112k | €122k | €139k | €68k | ▼ 50.8% |
| Stocks30/36 | €94k | €112k | €122k | €139k | €68k | ▼ 50.8% |
| Amounts receivable within one year40/41 | €15k | €33k | €29k | €28k | €48k | ▲ 72.0% |
| Trade receivables40 | €8k | €23k | €29k | €28k | €48k | ▲ 72.0% |
| Other amounts receivable41 | €8k | €10k | - | - | - | - |
| Cash at bank and in hand54/58 | €712 | €2k | €405 | €405 | €35k | ▲ 8,425% |
| Deferred charges and accrued income490/1 | €582 | €1k | €470 | €2k | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €461k | €508k | €503k | €509k | €488k | ▼ 4.1% |
| Equity10/15 | €84k | €118k | €163k | €170k | €219k | ▲ 28.7% |
| Contributions10/11 | €34k | €34k | €34k | €34k | €34k | = |
| Revaluation surpluses12 | €240k | €240k | €240k | €240k | €240k | = |
| Reserves13 | €17k | €17k | €17k | €17k | €17k | = |
| Non-distributable reserves130/1 | €3k | €3k | €3k | €3k | €3k | = |
| Reserves not available under the articles1311 | €3k | €3k | €3k | €3k | €3k | = |
| Distributable reserves133 | €13k | €13k | €13k | €13k | €13k | = |
| Profit (loss) carried forward14 | €-206k | €-172k | €-127k | €-120k | €-71k | ▲ 40.6% |
| Amounts payable17/49 | €377k | €390k | €340k | €338k | €269k | ▼ 20.6% |
| Amounts payable after more than one year17 | €115k | €81k | €47k | €12k | - | - |
| Financial debts170/4 | €41k | €31k | €21k | €10k | - | - |
| Other amounts payable178/9 | €74k | €50k | €26k | €1k | - | - |
| Amounts payable within one year42/48 | €262k | €309k | €293k | €327k | €269k | ▼ 17.7% |
| Current portion of amounts payable after more than one year42 | €9k | €10k | €10k | €11k | - | - |
| Financial debts43 | €99k | €70k | €72k | €66k | - | - |
| Credit institutions430/8 | €99k | €70k | €72k | €66k | - | - |
| Trade debts44 | €8k | €11k | €29k | €70k | €76k | ▲ 7.7% |
| Suppliers440/4 | €8k | €11k | €29k | €70k | €76k | ▲ 7.7% |
| Advances received on contracts in progress46 | - | - | - | - | €7k | - |
| Taxes, remuneration and social security45 | €45k | €45k | €62k | €12k | €26k | ▲ 119% |
| Taxes450/3 | €40k | €40k | €56k | €12k | €26k | ▲ 119% |
| Remuneration and social security454/9 | €5k | €5k | €5k | - | - | - |
| Other amounts payable47/48 | €100k | €173k | €121k | €167k | €160k | ▼ 4.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9k | €34k | €45k | €7k | €49k | ▲ 595% |
| + Depreciation and write-downs630 | €15k | €17k | €18k | €17k | €20k | ▲ 19.9% |
| Operating cash flow (approximation) | €24k | €51k | €63k | €24k | €69k | ▲ 189% |
| Investment in fixed assets (approximation) | - | €-26k | €-10k | €-5k | €-18k | ▼ 221% |
| Change in cash | - | €1k | €-2k | €0 | €34k | - |
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
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 5 days late
2025
31-12
Financial
Highest result since 2018net €49k ▲595%
Net result €49k, the highest in the series.
31-12
Financial
Equity above €200kEq €219k ▲28.7%
6 profitable years in a row build equity to €219k.
15-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 46 days late
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 142 days late
2023
31-12
Financial
Equity above €150kEq €163k ▲37.9%
4 profitable years in a row build equity to €163k.
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 58 days late
2022
31-12
Financial
Equity above €100kEq €118k ▲40.4%
3 profitable years in a row build equity to €118k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 26 days late
Show earlier events
2019
31-12
Financial
Weakest financial yearnet €-23k
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
19-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 50 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Heusden-Zolder · 1 establishment unit since 2005
Ground area
1,318 m²
Building footprint
517 m²
Volume, LiDAR
2,884 m³
Parcel 71065F0192/00L000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Auto's James
since 20052.150.258.881
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71065F0192/00L000 | Flanders | 1,318 m² | 1 · 517 m² | 9.8 m · 2 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 2,128 companies in sector 46711 we hold annual accounts for 1,127. 748 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
Founded02-11-2005
Fiscal year end31-12
Activities, NACEBEL 2025
46711Wholesale of cars and light vans (up to 3.5 tonnes)
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)
Contact
Phone
011/533411Heusden-Zolder
Scores and ratios are computed by Checked and are not a credit decision.