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AUTO4YOU

Active
Private limited companyfounded 200619 yrs activeZangrijelaan 30, 1800 Vilvoorde, BelgiumKBO/BCE: BE 0884.506.970
Summary

AUTO4YOU has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €514,157 and a net result of -€12,860. Equity is growing by ~19.7% per year across the filed fiscal years. Its solvency ranks better than 63% of 21938 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).

Risk analysisWatch ReportCompare
AUTO4YOUActiveChecked score 65/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811NACE 45113NACE 50103
1 site
Size
€1.1mtotal assets 2025
Equity
€514,157
Loss
-€12,860
Turnover not published (abridged schema)
Financial health
65 Healthy Checked score 2025
Bankruptcy chance 12 m
1.3%
Structure
Accounts filed 28 d late0 of 4 deeds read
Why 65- Liquidity: current ratio 0.02- Latest accounts 28 days late; 2 of the last 3 late- Figures for FY 2025 (filed 28-08-2026)+ Founded in 2006Show the evidence

Checked score

Score 2025
65 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 49% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 74+4
equity 48.6% of total assets
Liquidity 72-1
short-term debt 32.7%
Profitability 18+2
return on assets -1.2%
Bankruptcy probability, 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (39,974 companies)
Last 24 months 11-2024: 2.3% 12-2024: 2.3%● 0.0% vs 11-2024 01-2025: 2.3%● 0.0% vs 12-2024 02-2025: 2.4%▲ +5.0% vs 01-2025 03-2025: 2.5%▲ +1.5% vs 02-2025 04-2025: 2.5%● 0.0% vs 03-2025 05-2025: 2.4%▼ -1.6% vs 04-2025 06-2025: 2.4%▼ -0.3% vs 05-2025 07-2025: 2.6%▲ +7.9% vs 06-2025 08-2025: 3.4%▲ +29.9% vs 07-2025 09-2025: 3.7%▲ +8.7% vs 08-2025highest value 10-2025: 1.7%▼ -53.9% vs 09-2025 11-2025: 1.7%● 0.0% vs 10-2025 12-2025: 1.7%▲ +1.5% vs 11-2025 01-2026: 1.7%● 0.0% vs 12-2025 02-2026: 1.7%▲ +1.0% vs 01-2026 03-2026: 1.7%● 0.0% vs 02-2026 04-2026: 1.7%▼ -2.1% vs 03-2026 05-2026: 1.6%▼ -5.3% vs 04-2026 06-2026: 1.6%▼ -2.9% vs 05-2026 07-2026: 1.5%▼ -2.7% vs 06-2026 08-2026: 2.3%▲ +51.8% vs 07-2026 09-2026: 1.3%▼ -45.3% vs 08-2026lowest value 10-2026: 1.3%● 0.0% vs 09-2026lowest value
  • Liquidity: current ratio 0.02 raises the probability
  • Latest accounts 28 days late; 2 of the last 3 late raises the probability
  • Founded in 2006 lowers the probability for this profile
  • Figures for FY 2025 (filed 28-08-2026) raises the probability
Credit up to €30,000 at 30 days acceptable
Liquidity short (current ratio 0.02 against 0.29 in 2024; short-term debt: 32.7% of total assets), and 51.4% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 63%, liquidity 78%, profitability 21%, growth against the median 34%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 0.02
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Latest accounts 28 days late; 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Founded in 2006
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Figures for FY 2025 (filed 28-08-2026)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€12,860
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 filings
Deviation from the deadline
2025
28 d late
2024
48 d late
2023
237 d late
2022
31 d late
2021
27 d early
2020
30 d late
2019
31 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 54 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

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. Usually files around 31 August (4 of the last 5 filed years within 58 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Positive: Among the best 5% on equitysector median €41,626 · 21,977 companies €514,157 View
  • Caution: 2 loss-making years in a rowloss fiscal year 2025 -€12,860 View
  • Total assets 20256 fiscal years filed €1.1m View

By topic

Financials

Fiscal year
2025
Total assets
€1.1m
Loss
-€12,860
Solvency
48.6%
Turnover▼ 29.5%
Net result
20182020
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-07-2027
  1. 28-08-2026Annual accounts filed
  2. 17-09-2025Annual accounts filed
  3. 25-03-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail sale of cars and light vans (up…NACE 47811
Founded
24-10-2006
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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