Auto's Raymond

Active

Public limited companyfounded 1978active for 48 yearsBalendijk 156, 3920 Lommel, BelgiumKBO/BCE: BE 0418.800.072

Summary

The computed 12-month bankruptcy probability of Auto's Raymond is 7.4% (elevated). For Auto's Raymond, at least two filing cycles of the annual accounts are missing. The 2022 annual accounts show negative equity (-€80,666) and a net result of -€136,223. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 8,954 sector peers (NACE 47, financial year 2022). The company has been active since 1978 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

Auto's RaymondActive

Risk analysis Report Compare

Activity

Retail sale of cars and light vans (up to 3.5 tonnes)

NACE 47811

1 site

Size

€409,238total assets 2022

Staff: 2 FTE
Equity: -€80,666
Loss: -€136,223

Turnover not published (abbreviated format)

Financial health

Bankruptcy probabilitywithin 12 months: 7.4%

2022 figures too old to score

Structure

Accounts 807 days overdue0 of 6 deeds read

Signalsraises risk3 financial years not filed after the legal deadline; latest accounts 87 days late; 3 of the last 3 lateFigures for financial year 2022 (filed 27-10-2023)Loss of €136,223, the second in a row (financial year 2022)Two or more financial years not filedlowers riskFounded in 1978neutralFiled after the deadlineShow the evidence

Bankruptcy probability

No current score

Figures too old

The available figures for FY 2022 are too old to assess current financial health.

Bankruptcy probability: Elevated

Filing: At least two filing cycles are missing

Financial strength, FY 2022 · tick = 2021

Weak

Solvency 5-34

equity -19.7% of total assets

Liquidity 27-8

short-term debt 119.7% · cash 21.8%

Profitability 0-17

return on assets -33.3%

Bankruptcy probability, 12 months

7.4% Elevated

0%0.5%1.5%4%10%≥ 25%

About 7 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,211 companies, NACE 47, micro)

Last 24 months 11-2024: 3.0%lowest value 12-2024: 3.8%▲ +0.8 percentage points vs 11-2024 01-2025: 6.1%▲ +2.3 percentage points vs 12-2024 02-2025: 6.1%● unchanged vs 01-2025 03-2025: 6.3%▲ +0.2 percentage points vs 02-2025 04-2025: 5.7%▼ -0.6 percentage points vs 03-2025 05-2025: 5.7%● unchanged vs 04-2025 06-2025: 5.7%● unchanged vs 05-2025 07-2025: 5.7%● unchanged vs 06-2025 08-2025: 7.4%▲ +1.7 percentage points vs 07-2025 09-2025: 7.4%● unchanged vs 08-2025 10-2025: 7.4%● unchanged vs 09-2025 11-2025: 7.9%▲ +0.5 percentage points vs 10-2025highest value 12-2025: 7.9%● unchanged vs 11-2025highest value 01-2026: 7.9%● unchanged vs 12-2025highest value 02-2026: 7.9%● unchanged vs 01-2026highest value 03-2026: 7.9%● unchanged vs 02-2026highest value 04-2026: 7.9%● unchanged vs 03-2026highest value 05-2026: 7.9%● unchanged vs 04-2026highest value 06-2026: 7.9%● unchanged vs 05-2026highest value 07-2026: 7.9%● unchanged vs 06-2026highest value 08-2026: 7.4%▼ -0.5 percentage points vs 07-2026 09-2026: 7.4%● unchanged vs 08-2026 10-2026: 7.4%● unchanged vs 09-2026

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Six signals.

lowers riskraises riskneutral

3 financial years not filed after the legal deadline; latest accounts 87 days late; 3 of the last 3 late

NBB · filings

Figures for financial year 2022 (filed 27-10-2023)

NBB · annual accounts

Loss of €136,223, the second in a row (financial year 2022)

NBB · annual accounts

Founded in 1978

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Two or more financial years not filed

Since the financial year that closed on 31-12-2023, 3 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.

NBB · 10 filings

Position against the passed deadline

31-12-2023 year end31-07-2024 deadline16-10-2026 today

Filed after the deadline

The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 26-10-2023, 87 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 · 10 filings

Deviation from the deadline

2025

not filed

2024

not filed

2023

not filed

2022

87 days late

2021

31 days late

2020

31 days late

2019

20 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 42 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

26-10-2023 Annual accounts filedfinancial year 2022 · abbreviated…
31-12-2022 Weakest financial yearnet -€136,223
31-08-2022 Annual accounts filedfinancial year 2021 · abbreviated…

Key points

Risk: Accounts not fileddeadline was 31-07-2024 807 days late View
Risk: Negative equityfinancial year 2022: debts exceed assets -€80,666 View
Caution: Result fell in 2022from -€17,355 to -€136,223 ▼ 685% View
Caution: Among the weakest 5% on net resultsector median €43,239 · 8,951 companies -€136,223 View
Active since 1978founded 11-10-1978 48 years View
Caution: 2 loss-making years in a rowloss financial year 2022 -€136,223 View