AUTO'S JOS
ActiveAUTO'S JOS has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €122k and a net result of €21k. Equity is growing by ~25.5% per year across the filed fiscal years. Its solvency ranks better than 69% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-7
Solvency82▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.24 against 1.9 in 2024; short-term debt: 42.8% and cash: 18.5% of total assets), and 42.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
Sector 47
higher
← 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
57.2%
Return on assets
10.1%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
61 d late
2023
27 d late
2022
1 d late
2021
5 d early
2020
58 d early
2019
30 d early
← 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, micro schema
Equity
€122k▲ 21.4%
2024 · €100k
2018: €23k
2019: €32k
2020: €45k
2021: €48k
2022: €34k
2023: €70k
2024: €100k
2018 → 2025
Total assets
€213k▲ 10.0%
2024 · €194k
2018: €126k
2019: €121k
2020: €137k
2021: €130k
2022: €118k
2023: €167k
2024: €194k
2018 → 2025
Net result
€21k▼ 29.6%
2024 · €30k
2018: €-4k
2019: €9k
2020: €13k
2021: €3k
2022: €-14k
2023: €36k
2024: €30k
2018 → 2025
Working capital
€113k▲ 34.1%
2024 · €84k
2018: €17k
2019: €31k
2020: €44k
2021: €40k
2022: €30k
2023: €47k
2024: €84k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€48k-€34k▼ 28.5%€70k▲ 105%€100k▲ 43.5%€122k▲ 21.4%
Operating result€6k-€-13k€45k€45k▼ 0.4%€33k▼ 28.0%
Net result€3k-€-14k€36k€30k▼ 14.9%€21k▼ 29.6%
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 has fallen two years in a row; 2025 is 28% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €213k
Fixed assets
€9k▼ 45.6%
Current assets
€204k▲ 15.0%
Equity and liabilities €213k
Equity
€122k▲ 21.4%
Debt
€91k▼ 2.2%
The debt ratio falls from 48.2% to 42.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€40k▼
2024 · €52k
Cash flow
€29k▼
2024 · €38k
Solvency
57.2%▲
2024 · 51.8%
Current ratio
2.24▲
2024 · 1.90
Quick ratio
0.71▼
2024 · 0.87
Debt / equity
0.75▼
2024 · 0.93
ROE
17.6%▼
2024 · 30.3%
ROA
10.1%▼
2024 · 15.7%
Interest coverage
201.62▼
2024 · 247.42
Debt
€91k▼
2024 · €93k
Debt ≤ 1 year
€91k▼
2024 · €93k
Income taxes
€11k▼
2024 · €15k
Staff costs
€27k
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€194k€213k▲
Formation expenses20€0€0=
Fixed assets21/28€16k€9k▼
Tangible fixed assets22/27€16k€9k▼
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€16k€9k▼
Current assets29/58€178k€204k▲
Stocks and contracts in progress3€96k€139k▲
Stocks30/36€96k€139k▲
Amounts receivable within one year40/41€20k€23k▲
Trade receivables40€20k€23k▲
Other amounts receivable41€554-
Cash at bank and in hand54/58€51k€39k▼
Deferred charges and accrued income490/1€10k€3k▼
Equity and liabilities
Total equity and liabilities10/49€194k€213k▲
Equity10/15€100k€122k▲
Contributions10/11€20k€20k=
Reserves13€67k€87k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€65k€85k▲
Profit (loss) carried forward14€13k€15k▲
Amounts payable17/49€93k€91k▼
Amounts payable within one year42/48€93k€91k▼
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Taxes, remuneration and social security45€21k€28k▲
Taxes450/3€19k€22k▲
Remuneration and social security454/9€2k€6k▲
Other amounts payable47/48€69k€60k▼
Income statement
Code20242025
Non-recurring operating income76A-€2k
Remuneration, social security and pensions62-€27k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Other operating charges640/8€2k€2k▼
Gross operating margin9900€54k€69k▲
Operating profit (loss)9901€45k€33k▼
Financial income75/76B€130€34▼
Recurring financial income75€130€34▼
Financial charges65/66B€212€198▼
Recurring financial charges65€212€198▼
Profit (loss) for the period before taxes9903€45k€32k▼
Income taxes67/77€15k€11k▼
Profit (loss) for the period9904€30k€21k▼
Profit (loss) for the period to be appropriated9905€30k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€43k€35k▼
Profit (loss) brought forward from the previous period14P€13k€13k▲
Transfer to equity691/2€30k€20k▼
To other reserves6921€30k€20k▼
The notes to these accounts (6 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Equity above €100kEq €100k ▲43.5%
2 profitable years in a row build equity to €100k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Back to profitnet €36k
Net result €36k after one loss-making year.
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
31-12
Financial
Weakest financial yearnet €-14k ▼571%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
03-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
08-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Leopoldsburg · 1 establishment unit since 2009
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.
Hamsesteenweg 343971 LeopoldsburgGround area
1,799 m²
Building footprint
237 m²
Parcel 71023A0778/00P000, Flanders. Linked by address, not a title deed.
1 establishment unit
AUTO'S JOS
since 20092.181.609.875
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71023A0778/00P000 | Flanders | 1,799 m² | 1 · 237 m² | - |
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.
Similar companies · same sector, comparable size
AUTOS CONCEPT
BE 0651.903.544
Charleroi · Eq €122k
FIRST MOTOR SERVICE
BE 0502.475.440
Sint-Jans-Molenbeek · Eq €122k
NEM TECH
BE 0653.807.021
Herk-de-Stad · Eq €122k
HG BUSINESS
BE 0785.572.118
Sambreville · Eq €122k
GARAGE & CARROSSERIE GODFRIND
BE 0476.380.460
Vaux-sur-Sûre · Eq €122k
Of 10,679 companies in sector 47811 we hold annual accounts for 5,225. 3,687 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-09-2009
Fiscal year end31-12
Activities, NACEBEL
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)
95315Tyre services
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.