AUTO & TRUCK SERVICE VDC
ActiveSummary
AUTO & TRUCK SERVICE VDC has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.92M and a net result of €175k. Equity is growing by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 68% of 1037 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76=
Solvency87▼-5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity ample (current ratio 2.61 against 3.12 in 2024; short-term debt: 35.3% and cash: 7.9% of total assets), and 37.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
62.2%
Return on assets
5.6%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
2022
29 d late
2021
30 d late
2020
31 d late
2019
66 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.92M▼ 3.8%
2024 · €2.00M
2019: €1.14M
2020: €1.40M
2021: €1.65M
2022: €1.99M
2023: €2.34M
2024: €2.00M
2019 → 2025
Total assets
€3.09M▲ 4.0%
2024 · €2.97M
2019: €2.08M
2020: €2.44M
2021: €2.68M
2022: €3.39M
2023: €3.60M
2024: €2.97M
2019 → 2025
Net result
€175k▲ 7.2%
2024 · €163k
2019: €305k
2020: €256k
2021: €254k
2022: €340k
2023: €343k
2024: €163k
2019 → 2025
Working capital
€1.76M▼ 7.7%
2024 · €1.90M
2019: €1.33M
2020: €1.54M
2021: €1.73M
2022: €1.90M
2023: €2.25M
2024: €1.90M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.65M-€1.99M▲ 20.6%€2.34M▲ 17.2%€2.00M▼ 14.4%€1.92M▼ 3.8%
Operating result€390k-€448k▲ 14.6%€449k▲ 0.3%€231k▼ 48.5%€214k▼ 7.6%
Net result€254k-€340k▲ 33.8%€343k▲ 0.8%€163k▼ 52.5%€175k▲ 7.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 8% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.09M
Fixed assets
€243k ▲ 42.1%
Current assets
€2.85M ▲ 1.7%
Equity and liabilities €3.09M
Equity
€1.92M ▼ 3.8%
Debt
€1.17M ▲ 19.9%
Debt's share of the balance-sheet total rises from 32.7% to 37.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€265k▼
2024 · €298k
Cash flow
€226k▼
2024 · €230k
Current ratio
2.61▼
2024 · 3.12
Quick ratio
2.21▼
2024 · 2.67
Debt to equity
0.61▲
2024 · 0.49
ROE
9.1%▲
2024 · 8.1%
ROA
5.6%▲
2024 · 5.5%
Interest coverage
49.94▲
2024 · 46.04
Debt ≤ 1 year
€1.09M▲
2024 · €897k
Debt > 1 year
€15k▲
2024 · €15k
Income taxes
€60k▼
2024 · €62k
Staff costs
€377k▼
2024 · €380k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 59 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.97M€3.09M▲
Fixed assets21/28€171k€243k▲
Intangible fixed assets21€2k€26k▲
Tangible fixed assets22/27€168k€216k▲
Plant, machinery and equipment23€15k€10k▼
Furniture and vehicles24€152k€204k▲
Other tangible fixed assets26€463€2k▲
Assets under construction and advance payments27€450€450=
Financial fixed assets28€884€884=
Current assets29/58€2.80M€2.85M▲
Amounts receivable after more than one year29€4k€4k=
Other amounts receivable291€4k€4k=
Stocks and contracts in progress3€405k€442k▲
Stocks30/36€405k€442k▲
Amounts receivable within one year40/41€1.76M€2.13M▲
Trade receivables40€1.46M€2.00M▲
Other amounts receivable41€301k€128k▼
Current investments50/53-€12k
Cash at bank and in hand54/58€597k€243k▼
Deferred charges and accrued income490/1€31k€16k▼
Equity and liabilities
Total equity and liabilities10/49€2.97M€3.09M▲
Equity10/15€2.00M€1.92M▼
Contributions10/11€131k€131k=
Reserves13€60k€60k=
Non-distributable reserves130/1€23k€23k=
Reserves not available under the articles1311€23k€23k=
Distributable reserves133€37k€37k=
Profit (loss) carried forward14€1.81M€1.73M▼
Amounts payable17/49€973k€1.17M▲
Amounts payable after more than one year17€15k€15k▲
Financial debts170/4€15k€15k▲
Amounts payable within one year42/48€897k€1.09M▲
Current portion of amounts payable after more than one year42€72k€58k▼
Trade debts44€752k€939k▲
Suppliers440/4€752k€939k▲
Taxes, remuneration and social security45€73k€93k▲
Taxes450/3€73k€93k▲
Other amounts payable47/48€320€320=
Accrued charges and deferred income492/3€61k€61k▲
Income statement
Code20242025
Non-recurring operating income76A€9k€16k▲
Remuneration, social security and pensions62€380k€377k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€67k€51k▼
Other operating charges640/8€5k€7k▲
Non-recurring operating charges66A€14k€772▼
Gross operating margin9900€697k€650k▼
Operating profit (loss)9901€231k€214k▼
Financial income75/76B-€26k
Recurring financial income75-€26k
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€225k€235k▲
Income taxes67/77€62k€60k▼
Profit (loss) for the period9904€163k€175k▲
Profit (loss) for the period to be appropriated9905€163k€175k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2.31M€1.98M▼
Profit (loss) brought forward from the previous period14P€2.14M€1.81M▼
Profit to be distributed694/7€500k€250k▼
Return on contributions (dividend)694€500k€250k▼
Social balance
Average headcount (FTE)90875.75.6▼
The notes to these accounts (16 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
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €163k ▼52.5%
Net result drops to €163k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Highest result since 2019net €343k ▲0.8%
Net result €343k, the highest in the series.
31-12
Financial
Equity above €2MEq €2.34M ▲17.2%
5 profitable years in a row build equity to €2.34M.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
05-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 66 days late
2019
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 1 day late
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 1 day late
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 92 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Hoogstraten · 1 establishment unit since 2002
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.
Putten 292320 HoogstratenGround area
6,181 m²
Building footprint
1,920 m²
Parcel 13014F0252/00G000, Flanders. Linked by address, not a title deed.
1 establishment unit
Auto & Truck Service VDC
since 20022.095.608.289
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13014F0252/00G000 | Flanders | 6,181 m² | 1 · 1,920 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
2022 to 2025 · 4 entries · 3,032 EUR awarded · 2,641 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 343 EUR | 343 EUR |
| 2024 | 1 | 212 EUR | 212 EUR |
| 2023 | 1 | 2,251 EUR | 1,860 EUR |
| 2022 | 1 | 226 EUR | 226 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
1 live approvalOnthaal, organisatie en sales duaal (so)
Similar companies · same sector, comparable size
DE ROOVER EN ZONEN
BE 0426.203.350
Leuven · Eq €1.99M
DE VLEESCHOUWER GARAGE
BE 0476.553.278
Erpe-Mere · Eq €1.85M
TRUCAR
BE 0538.578.147
Turnhout · Eq €1.84M
ALL TRUCK TRAILER SERVICES
BE 0470.370.618
Beringen · Eq €2.04M
IMSCHOOT
BE 0435.575.431
Waasmunster · Eq €1.82M
Of 496 companies in sector 95312 we hold annual accounts for 262. 161 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2002
Fiscal year end31-12
Activities, NACEBEL 2025
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@vdc.mercedes-benz.be
Phone:03/669.66.44