AUTO SELECTION
ActiveSummary
The computed 12-month bankruptcy probability of AUTO SELECTION is 2.9% (moderate). The 2024 annual accounts show equity of €234,796 and a net result of €60,037. Equity is growing by ~42.8% per year across the filed fiscal years. Its solvency ranks better than 33% of 26049 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability68▼-15
Solvency38▼-8
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €11,000 at 30 days acceptable
Liquidity tight (current ratio 1.05 against 1.26 in 2023; short-term debt: 72.8% and cash: 17.4% of total assets), and 87.3% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-10-2025, 65 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
65 d late
2023
86 d late
2022
65 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 72 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€60,037▼ 36.9%
2023 · €95,198
Working capital
€69,666▼ 60.3%
2023 · €175,429
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202220232024
Operating result€112,179-€139,821▲ 24.6%€95,976▼ 31.4%
Net result€79,562within the sector's middle half-€95,198above the sector's middle half▲ 19.7%€60,037above the sector's middle half▼ 36.9%
Equity€82,562within the sector's middle half-€177,759above the sector's middle half▲ 115%€234,796above the sector's middle half▲ 32.1%
Total assets€1.5mwithin the sector's middle half-€858,864above the sector's middle half▼ 41.8%€1.8mabove the sector's middle half▲ 115%
Debt€1.4m-€681,105▼ 51.1%€1.6m▲ 137%
Working capital€77,803within the sector's middle half-€175,429above the sector's middle half▲ 125%€69,666within the sector's middle half▼ 60.3%
Solvency5.6%below the sector's middle half-20.7%within the sector's middle half▲ 15.1pp12.7%within the sector's middle half▼ 8.0pp
Current ratio1.06within the sector's middle half-1.26within the sector's middle half▲ 0.201.05within the sector's middle half▼ 0.21
Return on assets (ROA)5.4%within the sector's middle half-11.1%within the sector's middle half▲ 5.7pp3.3%within the sector's middle half▼ 7.8pp
Staff (FTE)0.81.9▲ 138%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 31% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.8m
Fixed assets
€378,575 ▲ 5,280%
Current assets
€1.4m ▲ 66.0%
Equity and liabilities €1.8m
Equity
€234,796 ▲ 32.1%
Debt
€1.6m ▲ 137%
Debt's share of the balance-sheet total rises from 79.3% to 87.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€112,649▼
2023 · €143,459
Cash flow
€76,709▼
2023 · €98,835
Quick ratio
0.44▲
2023 · 0.19
Debt to equity
6.86▲
2023 · 3.83
ROE
25.6%▼
2023 · 53.6%
Interest coverage
5.41▼
2023 · 25.09
Debt ≤ 1 year
€1.3m▲
2023 · €676,399
Debt > 1 year
€267,490
Income taxes
€15,475▼
2023 · €38,924
Staff costs
€62,447▲
2023 · €28,634
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,541 companies that looked in July 2024 the way this one looks now, 3.3% went bankrupt within 24 months and 95% are still going.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
3.3%
went bankrupt
1.1%
stopped otherwise
95%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.9% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,541 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Non-recurring operating income76A | - | €125 | €21,626 | ▲ 17,263% |
| Remuneration, social security and pensions62 | - | €28,634 | €62,447 | ▲ 118% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,228 | €3,637 | €16,673 | ▲ 358% |
| Other operating charges640/8 | €3,934 | €8,260 | €11,750 | ▲ 42.2% |
| Non-recurring operating charges66A | - | €1,473 | - | - |
| Gross operating margin9900 | €118,340 | €181,825 | €186,846 | ▲ 2.8% |
| Operating profit (loss)9901 | €112,179 | €139,821 | €95,976 | ▼ 31.4% |
| Financial income75/76B | - | €18 | €356 | ▲ 1,868% |
| Recurring financial income75 | - | €18 | €356 | ▲ 1,868% |
| Financial charges65/66B | €947 | €5,718 | €20,821 | ▲ 264% |
| Recurring financial charges65 | €947 | €5,718 | €20,821 | ▲ 264% |
| Profit (loss) for the period before taxes9903 | €111,232 | €134,122 | €75,511 | ▼ 43.7% |
| Income taxes67/77 | €31,670 | €38,924 | €15,475 | ▼ 60.2% |
| Profit (loss) for the period9904 | €79,562 | €95,198 | €60,037 | ▼ 36.9% |
| Profit (loss) for the period to be appropriated9905 | €79,562 | €95,198 | €60,037 | ▼ 36.9% |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €1.5m | €858,864 | €1.8m | ▲ 115% |
| Formation expenses20 | - | - | €54,045 | - |
| Fixed assets21/28 | €4,759 | €7,037 | €378,575 | ▲ 5,280% |
| Tangible fixed assets22/27 | €4,759 | €7,037 | €378,575 | ▲ 5,280% |
| Land and buildings22 | - | - | €340,705 | - |
| Plant, machinery and equipment23 | €4,275 | €3,552 | €2,521 | ▼ 29.0% |
| Furniture and vehicles24 | €483 | €3,484 | €35,350 | ▲ 914% |
| Current assets29/58 | €1.5m | €851,827 | €1.4m | ▲ 66.0% |
| Stocks and contracts in progress3 | €674,043 | €721,516 | €822,871 | ▲ 14.0% |
| Stocks30/36 | €674,043 | €721,516 | €822,871 | ▲ 14.0% |
| Amounts receivable within one year40/41 | €663,133 | €10,776 | €269,879 | ▲ 2,404% |
| Trade receivables40 | €662,124 | €8,831 | €265,485 | ▲ 2,906% |
| Other amounts receivable41 | €1,010 | €1,945 | €4,394 | ▲ 126% |
| Cash at bank and in hand54/58 | €134,650 | €115,298 | €320,632 | ▲ 178% |
| Deferred charges and accrued income490/1 | €250 | €4,237 | €354 | ▼ 91.6% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €1.5m | €858,864 | €1.8m | ▲ 115% |
| Equity10/15 | €82,562 | €177,759 | €234,796 | ▲ 32.1% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €79,500 | €174,690 | €174,690 | = |
| Distributable reserves133 | €79,500 | €174,690 | €174,690 | = |
| Profit (loss) carried forward14 | €62 | €69 | €57,106 | ▲ 82,351% |
| Amounts payable17/49 | €1.4m | €681,105 | €1.6m | ▲ 137% |
| Amounts payable after more than one year17 | - | - | €267,490 | - |
| Financial debts170/4 | - | - | €267,490 | - |
| Amounts payable within one year42/48 | €1.4m | €676,399 | €1.3m | ▲ 98.7% |
| Current portion of amounts payable after more than one year42 | - | - | €387,503 | - |
| Financial debts43 | - | - | €157 | - |
| Credit institutions430/8 | - | - | €157 | - |
| Trade debts44 | €689,114 | €103,288 | €239,192 | ▲ 132% |
| Suppliers440/4 | €689,114 | €103,288 | €239,192 | ▲ 132% |
| Advances received on contracts in progress46 | €50,060 | €5,500 | €65,400 | ▲ 1,089% |
| Taxes, remuneration and social security45 | €52,693 | €72,945 | €33,990 | ▼ 53.4% |
| Taxes450/3 | €52,693 | €70,594 | €29,125 | ▼ 58.7% |
| Remuneration and social security454/9 | - | €2,351 | €4,864 | ▲ 107% |
| Other amounts payable47/48 | €602,407 | €494,666 | €617,829 | ▲ 24.9% |
| Accrued charges and deferred income492/3 | - | €4,706 | - | - |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €79,562 | €95,198 | €60,037 | ▼ 36.9% |
| + Depreciation and write-downs630 | €2,228 | €3,637 | €16,673 | ▲ 358% |
| Operating cash flow (approximation) | €81,790 | €98,835 | €76,709 | ▼ 22.4% |
| Investment in fixed assets (approximation) | - | -€5,916 | -€388,211 | ▼ 6,462% |
| Change in cash | - | -€19,352 | €205,334 | ▲ 1,161% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
04-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 65 days late
2024
31-12
Financial
Weakest financial yearnet €60,037 ▼36.9%
Net result drops to €60,037, the lowest in the series.
31-12
Financial
Equity above €200,000Eq €234,796 ▲32.1%
3 profitable years in a row build equity to €234,796.
25-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 86 days late
2023
31-12
Financial
Highest result since 2022net €95,198 ▲19.7%
Operating result €139,821, net result €95,198, both a record.
31-12
Financial
Equity above €150,000Eq €177,759 ▲115%
2 profitable years in a row build equity to €177,759.
04-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 65 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Fosses-la-Ville · 2 establishment units since 2022
Ground area
2,563 m²
Building footprint
593 m²
2 parcels, Wallonia. Linked by address, not a title deed.
2 establishment units
AUTO SELECTION
since 20222.328.426.305
Auto Selection Mons
since 20252.371.668.014
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92110A0395/00E000 | Wallonia | 2,231 m² | 1 · 374 m² | - |
| 53019E0449/00G002 | Wallonia | 332 m² | 1 · 218 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
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DRACOFIN
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R. DRIESSEN EN ZONEN
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Verbeke Remi en Zonen
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Of 10,664 companies in sector 47811 we hold annual accounts for 5,226. 3,712 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded16-02-2022
Fiscal year end31-12
Activities, NACEBEL 2025
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)
95316Washing and cleaning of motor vehicles
46180Agents specialised in the wholesale of other particular products
E-invoicing
Reachable via Peppol
Peppol ID
0208:0782269960
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.