Equity
AUTO'S MARC & ZOON paid out €34,194 in dividends. That is 102% of the 2025 profit.
AUTO'S MARC & ZOON paid out €34,194 in dividends. That is 102% of the 2025 profit.
The micro format states no turnover.
Debts rose by €70,817 in 2025. A dividend stands under other debts on the balance sheet date until it is paid.
Green is investment, beige is depreciation.
Short-term debts rose from €92,465 to €162,712.
Seven of the last ten came late. The 2018 accounts came latest: 121 days after the end of the period.
The dashed line is the sector median: 0.4% across 26,896 companies (NACE 46, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 57% of them on solvency, 72% on liquidity, 75% on profitability and 39% on growth.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 34,693 companies had the same profile as AUTO'S MARC & ZOON has now. Each dot stands for 87 companies, two years later.
That fits the bankruptcy probability of AUTO'S MARC & ZOON itself: 0.1% within 12 months.
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for AUTO'S MARC & ZOON. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is ample, with a current ratio of 1.68 (2.61 in 2024), above the usual 1.5. Short-term debt is 49.5% and cash 33.1% of total assets. However, 50.7% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 7 accounts on average 7 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| AUTO'S MARC & ZOON Aalter | €328,542 | €70,533 | 49.3% | - |
| BSZ CAR Anderlecht | €313,870 | €54,881 | 38.0% | 0 |
| MICHAEL VAN KUYK Willebroek | €352,630 | €51,144 | 18.6% | - |
| CAR EXCEPTION Zaventem | €349,302 | €103,087 | 69.0% | - |
| Autohandel Legein Frank Koksijde | €333,626 | €104,766 | 89.9% | - |
| Oliisa Aalter | €326,650 | €150,428 | 75.9% | - |
| GRID CAR RENTALS Temse | €296,469 | €35,803 | 16.3% | - |
These companies have the same main activity as AUTO'S MARC & ZOON: wholesale of cars and light vans (up to 3.5 tonnes) (NACE 46711). They are comparable in size and age: total assets between €296,000 and €353,000, founded between 2005 and 2011.
AUTO'S MARC & ZOON files the micro format. That format states no turnover. The gross margin rose from €36,289 in 2011 to €70,533 in 2025.
In July 2025, three directors stepped down.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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