AUTO'S SEGHERS
ActiveAUTO'S SEGHERS has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €566k and a net result of €114k. Equity is growing by ~22% per year across the filed fiscal years. Its solvency ranks better than 42% of 10242 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
73
/ 100
Healthy▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency58▲+21
Growth78=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity tight (current ratio 1.48 against 1.3 in 2024), and 69.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
30.5%
Return on assets
6.1%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
1 d early
2022
4 d late
2021
30 d late
2020
28 d late
2019
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close15-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€566k▲ 17.0%
2024 · €484k
2019: €157k
2020: €221k
2021: €263k
2022: €312k
2023: €368k
2024: €484k
2019 → 2025
Total assets
€1.86M▼ 14.8%
2024 · €2.18M
2019: €607k
2020: €1.57M
2021: €1.69M
2022: €1.73M
2023: €2.00M
2024: €2.18M
2019 → 2025
Net result
€114k▼ 19.7%
2024 · €142k
2019: €25k
2020: €63k
2021: €42k
2022: €49k
2023: €81k
2024: €142k
2019 → 2025
Working capital
€292k▲ 6.6%
2024 · €274k
2019: €211k
2020: €145k
2021: €147k
2022: €135k
2023: €183k
2024: €274k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€263k-€312k▲ 18.6%€368k▲ 17.9%€484k▲ 31.8%€566k▲ 17.0%
Operating result€82k-€90k▲ 9.2%€142k▲ 57.7%€256k▲ 80.8%€218k▼ 14.8%
Net result€42k-€49k▲ 15.4%€81k▲ 65.2%€142k▲ 75.2%€114k▼ 19.7%
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 falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.86M
Fixed assets
€958k▼ 3.1%
Current assets
€897k▼ 24.5%
Equity and liabilities €1.86M
Equity
€566k▲ 17.0%
Debt
€1.29M▼ 23.9%
The debt ratio falls from 77.8% to 69.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€307k▼
2024 · €326k
Cash flow
€203k▼
2024 · €211k
Solvency
30.5%▲
2024 · 22.2%
Current ratio
1.48▲
2024 · 1.30
Quick ratio
0.83▲
2024 · 0.39
Debt / equity
2.28▼
2024 · 3.50
ROE
20.1%▼
2024 · 29.2%
ROA
6.1%▼
2024 · 6.5%
Interest coverage
5.54▼
2024 · 6.14
Debt
€1.29M▼
2024 · €1.69M
Debt ≤ 1 year
€605k▼
2024 · €915k
Debt > 1 year
€676k▼
2024 · €772k
Income taxes
€53k▼
2024 · €63k
Staff costs
€341k▼
2024 · €349k
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€2.18M€1.86M▼
Fixed assets21/28€989k€958k▼
Tangible fixed assets22/27€975k€945k▼
Land and buildings22€852k€821k▼
Plant, machinery and equipment23€24k€16k▼
Furniture and vehicles24€99k€108k▲
Financial fixed assets28€14k€14k=
Current assets29/58€1.19M€897k▼
Stocks and contracts in progress3€830k€397k▼
Stocks30/36€830k€397k▼
Amounts receivable within one year40/41€122k€122k▲
Trade receivables40€119k€119k▲
Other amounts receivable41€3k€3k▲
Cash at bank and in hand54/58€235k€371k▲
Deferred charges and accrued income490/1€720€6k▲
Equity and liabilities
Total equity and liabilities10/49€2.18M€1.86M▼
Equity10/15€484k€566k▲
Contributions10/11€12k€12k=
Reserves13€379k€461k▲
Tax-exempt reserves132€428€428=
Distributable reserves133€379k€461k▲
Profit (loss) carried forward14€93k€93k=
Amounts payable17/49€1.69M€1.29M▼
Amounts payable after more than one year17€772k€676k▼
Financial debts170/4€772k€676k▼
Amounts payable within one year42/48€915k€605k▼
Current portion of amounts payable after more than one year42€95k€96k▲
Financial debts43€600k€350k▼
Credit institutions430/8€600k€350k▼
Trade debts44€70k€48k▼
Suppliers440/4€70k€48k▼
Advances received on contracts in progress46€1k€31k▲
Taxes, remuneration and social security45€122k€47k▼
Taxes450/3€81k€33k▼
Remuneration and social security454/9€40k€14k▼
Other amounts payable47/48€27k€33k▲
Accrued charges and deferred income492/3€7k€8k▲
Income statement
Code20242025
Non-recurring operating income76A€43k€591▼
Remuneration, social security and pensions62€349k€341k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€69k€89k▲
Other operating charges640/8€16k€11k▼
Non-recurring operating charges66A-€5k
Gross operating margin9900€691k€665k▼
Operating profit (loss)9901€256k€218k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€53k€55k▲
Recurring financial charges65€53k€55k▲
Profit (loss) for the period before taxes9903€205k€166k▼
Income taxes67/77€63k€53k▼
Profit (loss) for the period9904€142k€114k▼
Profit (loss) for the period to be appropriated9905€142k€114k▼
Appropriation of the result
Profit (loss) to be appropriated9906€234k€207k▼
Profit (loss) brought forward from the previous period14P€93k€93k=
Transfer from equity791/2€25k€32k▲
Transfer to equity691/2€142k€114k▼
To other reserves6921€142k€114k▼
Profit to be distributed694/7€25k€32k▲
Return on contributions (dividend)694€25k€32k▲
Social balance
Average headcount (FTE)90875.05.0=
The notes to these accounts (24 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Equity above €500kEq €566k ▲17%
7 profitable years in a row build equity to €566k.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Highest result since 2019net €142k ▲75.2%
Operating result €256k, net result €142k, both a record.
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
04-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 4 days late
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2020
28-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
31-03
Financial
Equity above €200kEq €221k ▲40.1%
2 profitable years in a row build equity to €221k.
2019
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
26-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
27-10
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
4 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, Kontich · 2 establishment units since 2011
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.
Koningin Astridlaan 812550 KontichGround area
5,550 m²
Building footprint
2,156 m²
Volume, LiDAR
10,126 m³
2 parcels, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
AUTO'S SEGHERS
since 20112.199.422.144
Duffelsesteenweg 158, 2550 Kontich
since 20192.300.927.003
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11602E0076/00C000 | Flanders | 2,976 m² | 1 · 1,459 m² | 5.7 m · 1 fl. |
| 11602C0220/00W000 | Flanders | 2,574 m² | 1 · 697 m² | 7.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 6,000 EUR awarded · 6,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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Of 10,615 companies in sector 47811 we hold annual accounts for 5,192. 3,365 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-04-2011
Fiscal year end31-03
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)
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.