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AUTOCONSTRUCT

Active
Private limited companyfounded 2010active for 16 yearsRue de Herve 114, 4651 Herve, BelgiumKBO/BCE: BE 0826.497.804
Summary

AUTOCONSTRUCT has been active since 2010 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€28,026) and a net result of -€1,799. Equity is shrinking by about 8.4% per year across the filed financial years. Its solvency ranks better than 5% of 21,983 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Overview

Activity
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811
1 site
Size
€5total assets 2025
Equity
-€28,026
Loss
-€1,799
Turnover not published (micro format)
Financial health
54 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
0.6%
Structure
Accounts 17 days early0 of 3 deeds read
Why 54raises riskCapped at 59: negative equityNegative equity -€28,026Loss of €1,799, the second in a row (financial year 2025)lowers riskSize: total assets €5Liquidity: current ratio 0.00, cash €5Show the evidence

Checked score

Score 2025
54 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 23% of its sector peers (NACE 47, micro)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency 0=
equity -536889.5% of total assets
Liquidity 50+39
short-term debt 536989.5% · cash 100.0%
Profitability 0=
return on assets -34457.1%
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%

About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,191 companies, NACE 47, micro)
Last 24 months 11-2024: 0.6%lowest value 12-2024: 1.2%▲ +0.6 percentage points vs 11-2024 01-2025: 1.2%● unchanged vs 12-2024 02-2025: 1.2%● unchanged vs 01-2025 03-2025: 1.2%● unchanged vs 02-2025 04-2025: 1.2%● unchanged vs 03-2025 05-2025: 1.2%● unchanged vs 04-2025 06-2025: 1.2%● unchanged vs 05-2025 07-2025: 1.2%● unchanged vs 06-2025 08-2025: 1.2%● unchanged vs 07-2025 09-2025: 1.2%● unchanged vs 08-2025 10-2025: 1.2%● unchanged vs 09-2025 11-2025: 1.1%▼ -0.1 percentage points vs 10-2025 12-2025: 1.1%● unchanged vs 11-2025 01-2026: 1.3%▲ +0.2 percentage points vs 12-2025highest value 02-2026: 0.7%▼ -0.6 percentage points vs 01-2026 03-2026: 0.7%● unchanged vs 02-2026 04-2026: 0.7%● unchanged vs 03-2026 05-2026: 0.7%● unchanged vs 04-2026 06-2026: 0.7%● unchanged vs 05-2026 07-2026: 0.7%● unchanged vs 06-2026 08-2026: 0.7%● unchanged vs 07-2026 09-2026: 0.7%● unchanged vs 08-2026 10-2026: 0.6%▼ -0.1 percentage points vs 09-2026
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 6% on solvency, 52% on liquidity, 6% on profitability and 29% on growth.

The bankruptcy probability was computed on 11-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

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Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €5
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Negative equity -€28,026
NBB · annual accounts
raises risk · Loss of €1,799, the second in a row (financial year 2025)
NBB · annual accounts
lowers risk · Liquidity: current ratio 0.00, cash €5
NBB · annual accounts
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
19202122232425
2019 to 2025 · latest year -€28,026
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 14-01-2026, 17 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
17 days early
2024
72 days early
2023
41 days early
2022
21 days early
2021
42 days early
2020
2 days early
2019
3 days early
← 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 28 days before the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 21 December (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end12-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Weakest financial yearnet -€3,049

Financials · financial year 2025, micro format

Equity
-€28,026▼ 6.9%
2024 · -€26,227
Total assets
€5▼ 95.3%
2024 · €110
Net result
-€1,799▲ 41.0%
2024 · -€3,049
Working capital
-€28,026▼ 6.9%
2024 · -€26,227
Trend over the years

2021 to 2025, 5 financial years 2019 to 2025, 7 financial years

The operating result stays negative: a loss of €1,601 in 2025 against €2,958 in 2024; the loss shrinks.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result-€1,601 2025 Net result-€1,799 2025

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 47, Retail trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the financial year before
favourable unfavourable
Line2019202020212022202320242025
Operating result-€1,509--€1,361▲ 9.8%-€1,591▼ 16.9%-€1,631▼ 2.5%-€1,671▼ 2.5%-€2,958▼ 77.0%-€1,601▲ 45.9%
Net result-€1,566--€1,435within the sector's middle half▲ 8.3%-€1,665within the sector's middle half▼ 16.0%-€1,704within the sector's middle half▼ 2.4%-€1,770within the sector's middle half▼ 3.8%-€3,049within the sector's middle half▼ 72.3%-€1,799within the sector's middle half▲ 41.0%
Equity-€16,604--€18,040below the sector's middle half▼ 8.6%-€19,704below the sector's middle half▼ 9.2%-€21,408below the sector's middle half▼ 8.6%-€23,178below the sector's middle half▼ 8.3%-€26,227below the sector's middle half▼ 13.2%-€28,026below the sector's middle half▼ 6.9%
Total assets€5,648-€5,663below the sector's middle half▲ 0.3%€5,683below the sector's middle half▲ 0.4%€5,648below the sector's middle half▼ 0.6%€7below the sector's middle half▼ 99.9%€110below the sector's middle half▲ 1,569%€5below the sector's middle half▼ 95.3%
Debt€22,252-€23,702▲ 6.5%€25,387▲ 7.1%€27,056▲ 6.6%€23,185▼ 14.3%€26,337▲ 13.6%€28,031▲ 6.4%
Working capital-€16,604--€18,040below the sector's middle half▼ 8.6%-€19,704below the sector's middle half▼ 9.2%-€21,408below the sector's middle half▼ 8.6%-€23,178below the sector's middle half▼ 8.3%-€26,227below the sector's middle half▼ 13.2%-€28,026below the sector's middle half▼ 6.9%
Solvency-294.0%--318.6%below the sector's middle half▼ 24.6pp-346.7%below the sector's middle half▼ 28.1pp-379.1%below the sector's middle half▼ 32.4pp
Current ratio0.25-0.24below the sector's middle half▼ 0.010.22below the sector's middle half▼ 0.020.21below the sector's middle half▼ 0.02
Return on assets (ROA)-27.7%--25.3%below the sector's middle half▲ 2.4pp-29.3%below the sector's middle half▼ 3.9pp-30.2%below the sector's middle half▼ 0.9pp
above within below the middle half of NACE 47, Retail trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Key figures and ratios
2025 value · change against 2024
Debt ≤ 1 year
€28,031▲
2024 · €26,337
Ratios withheld: a balance sheet total of €5 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,906 companies that looked in July 2024 the way this one looks now, 5.8% went bankrupt within 24 months and 85% are still going.

  • Micro
  • 10 to 20 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
5.8% went bankrupt
8.1% stopped otherwise
85% still going

A further 0.7% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,468 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

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 6,906 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 24 lines
Balance sheet Code20242025
Assets
Total assets20/58€110€5▼
Current assets29/58€110€5▼
Amounts receivable within one year40/41€100€0▼
Trade receivables40€100€0▼
Cash at bank and in hand54/58€10€5▼
Equity and liabilities
Total equity and liabilities10/49€110€5▼
Equity10/15-€26,227-€28,026▼
Contributions10/11€30,000€30,000=
Profit (loss) carried forward14-€56,227-€58,026▼
Amounts payable17/49€26,337€28,031▲
Amounts payable within one year42/48€26,337€28,031▲
Trade debts44€0-
Suppliers440/4€0-
Other amounts payable47/48€26,337€28,031▲
Income statement Code20242025
Other operating charges640/8€646€451▼
Gross operating margin9900-€2,313-€1,150▲
Operating profit (loss)9901-€2,958-€1,601▲
Financial charges65/66B€91€198▲
Recurring financial charges65€91€198▲
Profit (loss) for the period before taxes9903-€3,049-€1,799▲
Profit (loss) for the period9904-€3,049-€1,799▲
Profit (loss) for the period to be appropriated9905-€3,049-€1,799▲
Appropriation of the result
Profit (loss) to be appropriated9906-€56,227-€58,026▼
Profit (loss) brought forward from the previous period14P-€53,178-€56,227▼

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2019202020212022202320242025Change
Other operating charges640/8---€402€411€646€451▼ 30.1%
Gross operating margin9900-€1,108-€1,307-€1,189-€1,228-€1,260-€2,313-€1,150▲ 50.3%
Operating profit (loss)9901-€1,509-€1,361-€1,591-€1,631-€1,671-€2,958-€1,601▲ 45.9%
Financial charges65/66B---€74€99€91€198▲ 119%
Recurring financial charges65€57€74€73€74€99€91€198▲ 119%
Profit (loss) for the period before taxes9903-€1,566-€1,435-€1,665-€1,704-€1,770-€3,049-€1,799▲ 41.0%
Profit (loss) for the period9904-€1,566-€1,435-€1,665-€1,704-€1,770-€3,049-€1,799▲ 41.0%
Profit (loss) for the period to be appropriated9905-€1,566-€1,435-€1,665-€1,704-€1,770-€3,049-€1,799▲ 41.0%
Line2019202020212022202320242025Change
Assets
Total assets20/58€5,648€5,663€5,683€5,648€7€110€5▼ 95.3%
Formation expenses20€0€0€0€0----
Fixed assets21/28€0€0€0€0----
Tangible fixed assets22/27€0€0€0€0----
Plant, machinery and equipment23---€0----
Furniture and vehicles24---€0----
Current assets29/58€5,648€5,663€5,683€5,648€7€110€5▼ 95.3%
Amounts receivable within one year40/41€0----€100€0▼ 100%
Trade receivables40-----€100€0▼ 100%
Cash at bank and in hand54/58€5,648€5,663€5,683€5,648€7€10€5▼ 47.9%
Equity and liabilities
Total equity and liabilities10/49€5,648€5,663€5,683€5,648€7€110€5▼ 95.3%
Equity10/15-€16,604-€18,040-€19,704-€21,408-€23,178-€26,227-€28,026▼ 6.9%
Contributions10/11€30,000€0-€30,000€30,000€30,000€30,000=
Profit (loss) carried forward14-€46,604-€48,040-€49,704-€51,408-€53,178-€56,227-€58,026▼ 3.2%
Amounts payable17/49€22,252€23,702€25,387€27,056€23,185€26,337€28,031▲ 6.4%
Amounts payable within one year42/48€22,252€23,702€25,387€27,056€23,185€26,337€28,031▲ 6.4%
Trade debts44€0€0€0€48€233€0--
Suppliers440/4---€48€233€0--
Other amounts payable47/48---€27,008€22,952€26,337€28,031▲ 6.4%
Line2019202020212022202320242025Change
Profit (loss) for the period9904-€1,566-€1,435-€1,665-€1,704-€1,770-€3,049-€1,799▲ 41.0%
Operating cash flow (approximation)-€1,566-€1,435-€1,665-€1,704-€1,770-€3,049-€1,799▲ 41.0%
Investment in fixed assets (approximation)-€0€0€0----
Change in cash-€15€20-€36-€5,641€3-€5-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of the 10,462 companies in this sector, figures are known for 5,213. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
No directors read yet: 0 of 3 Gazette acts processed. See the directors and other office holders in the KBO →

Owners and capital

Owners

No owners or capital events in the accounts and acts we read.

History

On 8 June 2010, AUTOCONSTRUCT was incorporated.1 Total assets went from €5,648 in 2019 to €5,648 in 2022.2

  1. 1KBO (Crossroads Bank for Enterprises)
  2. 2National Bank, annual accounts 2019 and 2022

Acts, filings and financial milestones

Next filing, financial year 2026, expected by 31-01-2027
2026
14-01
NBB filing Annual accounts filed
financial year 2025 · micro format
2024
20-11
NBB filing Annual accounts filed
financial year 2024 · micro format
30-06
Financial Weakest financial yearnet -€3,049
Net result drops to -€3,049, the lowest in the series; recovery starts the following year.
2023
21-12
NBB filing Annual accounts filed
financial year 2023 · micro format
10-01
NBB filing Annual accounts filed
financial year 2022 · micro format
2021
20-12
NBB filing Annual accounts filed
financial year 2021 · micro format
29-01
NBB filing Annual accounts filed
financial year 2020 · micro format
2020
28-01
NBB filing Annual accounts filed
financial year 2019 · micro format
2019
30-01
NBB filing Annual accounts filed
financial year 2018 · micro format
2018
31-01
NBB filing Annual accounts filed
financial year 2017 · micro format
2017
25-01
NBB filing Annual accounts filed
financial year 2016 · full format
Financial milestoneNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 15 annual accounts filed, the latest 10 are here; all 15 are at the National Bank.
0 of 3 deeds read
About the unread acts

We know of 3 Belgian Official 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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Register details

Identification
Legal formPrivate limited company
Founded08-06-2010
Financial year end30-06
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
E-invoicing
Reachable via Peppol
Peppol ID 0208:0826497804
Also 9925:BE0826497804
Registered 03-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 12 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Herve · 1 establishment unit since 2010
registered office establishment The establishment unit on the map
Ground area
815 m²
Building footprint
79 m²
Building volume
489 m³
Parcel 63006D0319/00Y000, Wallonia · tallest building 7.5 m. Linked by address, not a title deed.
1 establishment unit
AUTOCONSTRUCT
Rue de Herve 114, 4651 HerveGeneral construction of residential buildings
since 2010unit no. 2.189.689.183
1 parcel
Wallonia 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
63006D0319/00Y000 Wallonia 815 m² 1 · 79 m² 7.5 m · 2
How the parcels are linked
Good to know
The parcel matches the address exactly.