AUTOBUDGETS
ActiveSummary
AUTOBUDGETS has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €117,382 and a net result of €35,268. Equity is growing by ~39.8% per year across the filed fiscal years. Its solvency ranks better than 37% of 9619 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability79▲+3
Solvency53▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity tight (current ratio 1.48 against 1.14 in 2023; short-term debt: 61.6% and cash: 3% of total assets), and 71.9% of the assets are financed with debt.
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Signals
Five 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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
28.1%
Return on assets
8.4%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-09-2025, 56 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
not confirmed
2024
56 d late
2023
26 d late
2022
30 d late
2021
61 d late
2020
90 d late
2019
69 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 55 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, abbreviated schema
Equity
€117,382▲ 42.9%
2023 · €82,114
Total assets
€417,389▼ 8.3%
2023 · €455,107
Net result
€35,268▲ 36.7%
2023 · €25,791
Working capital
€124,716▲ 148%
2023 · €50,192
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
Line20202021202220232024
Operating result€123,347-€15,690€6,717€37,513▲ 459%€58,860▲ 56.9%
Net result€115,604above the sector's middle half-€18,805below the sector's middle half€4,535within the sector's middle half€25,791within the sector's middle half▲ 469%€35,268within the sector's middle half▲ 36.7%
Equity€70,593below the sector's middle half€51,788below the sector's middle half▼ 26.6%€56,324below the sector's middle half▲ 8.8%€82,114below the sector's middle half▲ 45.8%€117,382within the sector's middle half▲ 42.9%
Total assets€357,046below the sector's middle half▼ 4.0%€371,278below the sector's middle half▲ 4.0%€385,966below the sector's middle half▲ 4.0%€455,107below the sector's middle half▲ 17.9%€417,389below the sector's middle half▼ 8.3%
Debt€286,453▼ 31.3%€319,489▲ 11.5%€329,642▲ 3.2%€372,992▲ 13.2%€300,006▼ 19.6%
Working capital€31,497€47,105▲ 49.6%€34,734▼ 26.3%€50,192▲ 44.5%€124,716▲ 148%
Solvency19.8%within the sector's middle half▲ 31.9pp13.9%below the sector's middle half▼ 5.8pp14.6%below the sector's middle half▲ 0.6pp18.0%within the sector's middle half▲ 3.4pp28.1%within the sector's middle half▲ 10.1pp
Staff (FTE)5.3within the sector's middle half▲ 1.9%5.6within the sector's middle half▲ 5.7%5within the sector's middle half▼ 10.7%4.3within the sector's middle half▼ 14.0%4.2within the sector's middle half▼ 2.3%
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.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 57% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €417,389
Fixed assets
€35,476 ▼ 9.9%
Current assets
€381,913 ▼ 8.1%
Equity and liabilities €417,389
Equity
€117,382 ▲ 42.9%
Debt
€300,006 ▼ 19.6%
Debt's share of the balance-sheet total falls from 82.0% to 71.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€71,178▲
2023 · €48,078
Cash flow
€47,586▲
2023 · €36,356
Current ratio
1.48▲
2023 · 1.14
Quick ratio
0.38▼
2023 · 0.45
Debt to equity
2.56▼
2023 · 4.54
ROE
30.0%▼
2023 · 31.4%
ROA
8.4%▲
2023 · 5.7%
Interest coverage
8.78▼
2023 · 21.05
Debt ≤ 1 year
€257,197▼
2023 · €365,557
Debt > 1 year
€38,318▲
2023 · €4,174
Income taxes
€15,488▲
2023 · €10,394
Staff costs
€187,782▼
2023 · €195,942
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,811 companies that looked in July 2024 the way this one looks now, 0.8% went bankrupt within 24 months and 95% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
0.8%
went bankrupt
3.8%
stopped otherwise
95%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.9% 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 497,058 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% | 1.6% |
| 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 74% 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 3,811 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €2,565 | - | - | - |
| Remuneration, social security and pensions62 | - | €171,037 | €181,799 | €195,942 | €187,782 | ▼ 4.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,085 | €7,176 | €7,966 | €10,565 | €12,318 | ▲ 16.6% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €28,924 | €7,419 | ▼ 74.3% |
| Other operating charges640/8 | - | €5,227 | €5,100 | €5,916 | €7,131 | ▲ 20.5% |
| Non-recurring operating charges66A | - | €7,290 | €45 | €40 | - | - |
| Gross operating margin9900 | €241,113 | €175,039 | €201,626 | €278,902 | €273,510 | ▼ 1.9% |
| Operating profit (loss)9901 | €123,347 | -€15,690 | €6,717 | €37,513 | €58,860 | ▲ 56.9% |
| Financial income75/76B | - | €2,282 | €4 | €956 | €1 | ▼ 99.9% |
| Recurring financial income75 | €117 | €22 | €4 | €39 | €1 | ▼ 98.2% |
| Non-recurring financial income76B | - | €2,260 | - | €917 | - | - |
| Financial charges65/66B | - | €5,114 | €2,185 | €2,284 | €8,105 | ▲ 255% |
| Recurring financial charges65 | €5,783 | €2,304 | €1,995 | €2,284 | €8,105 | ▲ 255% |
| Non-recurring financial charges66B | - | €2,810 | €190 | - | - | - |
| Profit (loss) for the period before taxes9903 | €119,033 | -€18,522 | €4,535 | €36,185 | €50,756 | ▲ 40.3% |
| Income taxes67/77 | €3,430 | €282 | - | €10,394 | €15,488 | ▲ 49.0% |
| Profit (loss) for the period9904 | €115,604 | -€18,805 | €4,535 | €25,791 | €35,268 | ▲ 36.7% |
| Profit (loss) for the period to be appropriated9905 | €115,604 | -€18,805 | €4,535 | €25,791 | €35,268 | ▲ 36.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €357,046 | €371,278 | €385,966 | €455,107 | €417,389 | ▼ 8.3% |
| Fixed assets21/28 | €40,678 | €37,636 | €40,745 | €39,358 | €35,476 | ▼ 9.9% |
| Tangible fixed assets22/27 | €40,293 | €37,251 | €40,360 | €38,973 | €33,091 | ▼ 15.1% |
| Plant, machinery and equipment23 | - | €3,484 | €5,065 | €4,878 | €4,681 | ▼ 4.0% |
| Furniture and vehicles24 | - | €2,959 | €9,410 | €10,738 | €9,836 | ▼ 8.4% |
| Other tangible fixed assets26 | - | €30,808 | €25,886 | €23,357 | €18,574 | ▼ 20.5% |
| Financial fixed assets28 | €385 | €385 | €385 | €385 | €2,385 | ▲ 519% |
| Current assets29/58 | €316,368 | €333,642 | €345,220 | €415,749 | €381,913 | ▼ 8.1% |
| Stocks and contracts in progress3 | €280,897 | €296,794 | €308,992 | €250,476 | €284,179 | ▲ 13.5% |
| Stocks30/36 | - | €296,794 | €308,992 | €250,476 | €284,179 | ▲ 13.5% |
| Amounts receivable within one year40/41 | €13,584 | €16,757 | €6,663 | €101,352 | €78,074 | ▼ 23.0% |
| Trade receivables40 | - | €16,438 | €6,322 | €98,633 | €77,119 | ▼ 21.8% |
| Other amounts receivable41 | - | €319 | €341 | €2,718 | €956 | ▼ 64.8% |
| Current investments50/53 | €0 | €0 | €0 | €0 | €0 | = |
| Cash at bank and in hand54/58 | €17,229 | €14,407 | €22,312 | €56,485 | €12,350 | ▼ 78.1% |
| Deferred charges and accrued income490/1 | - | €5,683 | €7,253 | €7,436 | €7,310 | ▼ 1.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €357,046 | €371,278 | €385,966 | €455,107 | €417,389 | ▼ 8.3% |
| Equity10/15 | €70,593 | €51,788 | €56,324 | €82,114 | €117,382 | ▲ 42.9% |
| Contributions10/11 | - | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €8,073 | €8,073 | €8,073 | €8,073 | €8,073 | = |
| Tax-exempt reserves132 | - | €7,276 | €7,276 | €7,276 | €7,276 | = |
| Distributable reserves133 | - | €797 | €797 | €797 | €797 | = |
| Profit (loss) carried forward14 | €42,520 | €23,716 | €28,251 | €54,042 | €89,310 | ▲ 65.3% |
| Amounts payable17/49 | €286,453 | €319,489 | €329,642 | €372,992 | €300,006 | ▼ 19.6% |
| Amounts payable after more than one year17 | - | €26,723 | €15,230 | €4,174 | €38,318 | ▲ 818% |
| Financial debts170/4 | - | €26,723 | €15,230 | €4,174 | €38,318 | ▲ 818% |
| Amounts payable within one year42/48 | €284,872 | €286,536 | €310,486 | €365,557 | €257,197 | ▼ 29.6% |
| Current portion of amounts payable after more than one year42 | - | €20,297 | €20,493 | €20,395 | €32,561 | ▲ 59.6% |
| Trade debts44 | €115,701 | €71,564 | €42,748 | €93,199 | €52,144 | ▼ 44.1% |
| Suppliers440/4 | - | €71,564 | €42,748 | €93,199 | €52,144 | ▼ 44.1% |
| Advances received on contracts in progress46 | - | €87,752 | €45,514 | €98,440 | €100,590 | ▲ 2.2% |
| Taxes, remuneration and social security45 | - | €33,425 | €33,050 | €64,563 | €27,310 | ▼ 57.7% |
| Taxes450/3 | - | €17,178 | €15,461 | €27,457 | €9,353 | ▼ 65.9% |
| Remuneration and social security454/9 | - | €16,247 | €17,589 | €37,106 | €17,958 | ▼ 51.6% |
| Other amounts payable47/48 | - | €73,498 | €168,681 | €88,960 | €44,592 | ▼ 49.9% |
| Accrued charges and deferred income492/3 | - | €6,231 | €3,926 | €3,261 | €4,491 | ▲ 37.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €115,604 | -€18,805 | €4,535 | €25,791 | €35,268 | ▲ 36.7% |
| + Depreciation and write-downs630 | €10,085 | €7,176 | €7,966 | €10,565 | €12,318 | ▲ 16.6% |
| Operating cash flow (approximation) | €125,688 | -€11,629 | €12,501 | €36,356 | €47,586 | ▲ 30.9% |
| Investment in fixed assets (approximation) | - | -€4,134 | -€11,075 | -€9,178 | -€8,436 | ▲ 8.1% |
| Change in cash | - | -€2,822 | €7,905 | €34,172 | -€44,134 | ▼ 229% |
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
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 56 days late
2024
31-12
Financial
Equity above €100,000Eq €117,382 ▲42.9%
3 profitable years in a row build equity to €117,382.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 26 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Back to profitnet €4,535
Net result €4,535 after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 61 days late
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 90 days late
2020
31-12
Financial
Back to profitnet €115,604
Net result €115,604 after 2 loss-making years.
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 69 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Anzegem · 2 establishment units since 2006
Ground area
1,417 m²
Building footprint
1,052 m²
Volume, LiDAR
3,908 m³
2 parcels, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Hoogstraat(KRU) 38, 9770 Kruisem
since 20062.154.744.241
Autobudgets
since 20062.154.744.538
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45017B0787/00B000 | Flanders | 1,240 m² | 1 · 857 m² | 5.2 m · 1 fl. |
| 34002E0215/00H000 | Flanders | 177 m² | 1 · 195 m² | 7.7 m · 2 fl. |
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.
Recognitions · licences · registrations
Dual-learning approval
4 live approvalsAutotechnieken duaal (so)
Onderhoudsmecanicien personenwagens en lichte bedrijfsvoertuigen (vwo)
Onderhoudsmechanica auto duaal (so)
Polyvalent mecanicien personenwagens en lichte bedrijfsvoertuigen duaal (so)
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Of 10,664 companies in sector 47811 we hold annual accounts for 5,226. 3,673 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
Founded27-06-2006
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46711Wholesale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
E-invoicing
Reachable via Peppol
Peppol ID
0208:0882098006
Also
9925:BE0882098006
Registered
20-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.