Equity
-€1,853
Debts exceed assets in financial year 2024.
AUTO'S PEETERS
Lifetime
4 annual accounts with figures on one time axispeak €4,035 (2021)
-€6,412▼ €936
lowest -€3,861 (2024)
-€3,861▼ €429
peak €7,656 (2021)
-€1,853▼ €3,861
€382,731▲ 441%
Board1 name since 2020
1 directorPEETERS Seppe
Documentsfilings and deeds
29-09-202560 days late
2024micro format
Gross margin from -€5,477 to -€6,412Loss of €3,861Equity from €2,008 to -€1,853Debts from €70,808 to €382,731Cash from €17 to €285
Key points
from the 2024 annual accountsLosses
-€9,509 in three years
Every financial year from 2022 to 2024 closed with a loss. 2024 was the heaviest.
Debts
€382,731 100% of the balance sheet
Suppliers 49%Taxes and wages 0%Other 51%
Filings
4 annual accounts 102 days past the deadline
2025 accounts not filed: deadline was 31-07-2026.
Starting capital
€5,000 100 shares
Position in the sector
-€1,853
Less equity than 80% of companies in wholesale trade. Sector median €56,471 · 15,463 companies.
Turnover not published (micro format)
Checked score
33
Weak
Financially stronger than 12% of micro companies in wholesale trade (NACE 46)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
6.0% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,891 companies (NACE 46, micro).
About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 9.6%
01-2025: 12.0%▲ +2.4 percentage points vs 12-2024
02-2025: 12.0%● unchanged vs 01-2025
03-2025: 12.2%▲ +0.2 percentage points vs 02-2025highest value
04-2025: 11.5%▼ -0.7 percentage points vs 03-2025
05-2025: 11.5%● unchanged vs 04-2025
06-2025: 11.3%▼ -0.2 percentage points vs 05-2025
07-2025: 7.4%▼ -3.9 percentage points vs 06-2025
08-2025: 8.3%▲ +0.9 percentage points vs 07-2025
09-2025: 8.8%▲ +0.5 percentage points vs 08-2025
10-2025: 3.6%▼ -5.2 percentage points vs 09-2025
11-2025: 3.8%▲ +0.2 percentage points vs 10-2025
12-2025: 3.8%● unchanged vs 11-2025
01-2026: 3.9%▲ +0.1 percentage points vs 12-2025
02-2026: 3.9%● unchanged vs 01-2026
03-2026: 3.9%● unchanged vs 02-2026
04-2026: 3.8%▼ -0.1 percentage points vs 03-2026
05-2026: 3.8%● unchanged vs 04-2026
06-2026: 3.8%● unchanged vs 05-2026
07-2026: 3.4%▼ -0.4 percentage points vs 06-2026lowest value
08-2026: 4.1%▲ +0.7 percentage points vs 07-2026
09-2026: 4.5%▲ +0.4 percentage points vs 08-2026
10-2026: 6.0%▲ +1.5 percentage points vs 09-2026
11-2026: 6.0%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
1 financial year not filed after the legal deadline; last filed accounts filed 60 days late; 3 of the last 3 accounts late
Figures for financial year 2024 (filed on 30-09-2025)
Liquidity: current ratio 1.00, cash €285
lowers risk
Size: total assets €380,878
Calculation
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 16% of them on solvency, 2% on liquidity, 28% on profitability and 3% on growth.
The bankruptcy probability was computed on 09-11-2026 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 31-12-2024.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% 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).
Comparable companies, two years later
In July 2024, 1,564 companies had the same profile as AUTO'S PEETERS has now. Each dot stands for 4 companies, two years later.
88.9%
were still trading
5.4%
stopped another way
5.1%
went bankrupt
Another 0.6% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of AUTO'S PEETERS itself: 6.0% within 12 months.
Test of the method
The method was tested on the 497,447 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 1,564 companies, not a prediction for AUTO'S PEETERS. 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.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 1.0 (1.03 in 2023), below 1. Short-term debt is 100.5% and cash 0.1% of total assets. Equity is negative.
Credit check for an amount and term of your choice
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.
Signals
Seven signals.
lowers riskraises risk
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
21222324
2021 to 2024 · latest year -€1,853
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 102 days later.
NBB · 4 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline10-11-2026 today
raises risk · 2024 accounts filed 60 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 4 filingsDeviation from the deadline
2025
not filed
2024
60 days late
2023
314 days late
2022
127 days late
2021
127 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 157 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.
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0757779737
First establishment
Olenseweg 55, Westerlo
Incorporation
Founding capital of €5,000, 100 shares · Founder: PEETERS Seppe · Appointment: PEETERS Seppe (director) · published on 05-11-2020 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| AUTO'S PEETERS Westerlo | €380,878 | -€6,412 | -0.5% | - |
| SEVAN JANSSENS TRADING Veurne | €304,656 | -€9,159 | 11.9% | - |
| ACGT17 Kampenhout | €434,014 | -€5,115 | 4.3% | - |
| JVMV Ham-sur-Heure-Nalinnes | €244,859 | -€76,810 | -15.6% | - |
| F.M. 61 Châtelet | €405,161 | -€10,279 | 25.6% | - |
| MAGG Namur | €277,717 | -€18,203 | -4.9% | - |
| EVshop Dendermonde | €529,467 | -€108,788 | -45.9% | - |
These companies have the same main activity as AUTO'S PEETERS: wholesale of cars and light vans (up to 3.5 tonnes) (NACE 46711). They are comparable in size and age: total assets between €245,000 and €529,000, founded between 2018 and 2022.
Official details
Source: KBO- Status
- Active since 03-11-2020Normal situation
- Activity
- Wholesale of cars and light vans (up to 3.5 tonnes)NACE 46711and 6 others
- Establishment unit
- 2.311.978.9642260 Westerlo, since 02-01-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 29-04-2026
Insights on AUTO'S PEETERS
AUTO'S PEETERS files the micro format. That format states no turnover. The gross margin fell from €4,035 in 2021 to -€6,412 in 2024.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about AUTO'S PEETERS
- What is the company number of AUTO'S PEETERS?
- The company number of AUTO'S PEETERS is 0757.779.737. The VAT number is the same number with BE in front: BE 0757.779.737.
- Where is AUTO'S PEETERS based?
- The registered office is at Olenseweg 55, 2260 Westerlo.Company details
- What does AUTO'S PEETERS do?
- According to the KBO register, the main activity is wholesale of cars and light vans (up to 3.5 tonnes) (NACE 46711).
- What is the legal form of AUTO'S PEETERS?
- AUTO'S PEETERS is a private limited company (BV).
- When was AUTO'S PEETERS founded?
- AUTO'S PEETERS was founded on 03-11-2020.
- Is AUTO'S PEETERS still active?
- Yes, AUTO'S PEETERS is an active enterprise in the KBO register.
- What is the turnover of AUTO'S PEETERS?
- The annual accounts for financial year 2024 state no turnover. The micro format does not require it.Financials
- Is AUTO'S PEETERS profitable?
- In financial year 2024, AUTO'S PEETERS made a loss of €3,861.
- Where can I find the annual accounts of AUTO'S PEETERS?
- AUTO'S PEETERS filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.