AUTOHANDEL BART INGELS
ActiveAUTOHANDEL BART INGELS has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €607k and a net result of €39k. Equity is growing by ~17.2% per year across the filed fiscal years. Its solvency ranks better than 76% of 7931 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▲+22
Solvency96▲+16
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 4.49 against 2.25 in 2024; short-term debt: 22.2% and cash: 11.7% of total assets), and 28.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
71.4%
Return on assets
4.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-04-2026, 106 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
106 d early
2024
93 d early
2023
104 d early
2022
62 d early
2021
37 d early
2020
36 d early
2019
32 d early
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€607k▲ 6.9%
2024 · €567k
2018: €212k
2019: €213k
2020: €285k
2021: €340k
2022: €429k
2023: €551k
2024: €567k
2018 → 2025
Total assets
€850k▼ 17.5%
2024 · €1.03M
2018: €366k
2019: €446k
2020: €545k
2021: €356k
2022: €670k
2023: €1.46M
2024: €1.03M
2018 → 2025
Net result
€39k▲ 138%
2024 · €17k
2018: €36k
2019: €1k
2020: €72k
2021: €55k
2022: €89k
2023: €122k
2024: €17k
2018 → 2025
Working capital
€659k▲ 18.2%
2024 · €558k
2018: €204k
2019: €194k
2020: €275k
2021: €339k
2022: €429k
2023: €574k
2024: €558k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€340k-€429k▲ 26.1%€551k▲ 28.3%€567k▲ 3.0%€607k▲ 6.9%
Operating result€76k-€136k▲ 77.3%€209k▲ 54.6%€58k▼ 72.5%€74k▲ 28.3%
Net result€55k-€89k▲ 61.5%€122k▲ 36.7%€17k▼ 86.4%€39k▲ 138%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 28% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €850k
Fixed assets
€2k▼ 91.9%
Current assets
€848k▼ 15.6%
Equity and liabilities €850k
Equity
€607k▲ 6.9%
Debt
€243k▼ 47.5%
The debt ratio falls from 44.9% to 28.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€75k▲
2024 · €62k
Cash flow
€40k▲
2024 · €21k
Solvency
71.4%▲
2024 · 55.1%
Current ratio
4.49▲
2024 · 2.25
Quick ratio
2.31▲
2024 · 0.65
Debt / equity
0.40▼
2024 · 0.82
ROE
6.5%▲
2024 · 2.9%
ROA
4.6%▲
2024 · 1.6%
Interest coverage
4.04▲
2024 · 1.78
Debt
€243k▼
2024 · €463k
Debt ≤ 1 year
€189k▼
2024 · €446k
Debt > 1 year
€54k▲
2024 · €17k
Income taxes
€16k▲
2024 · €7k
Staff costs
€0▼
2024 · €209
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.03M€850k▼
Fixed assets21/28€27k€2k▼
Tangible fixed assets22/27€23k€2k▼
Furniture and vehicles24€23k€2k▼
Financial fixed assets28€4k€0▼
Current assets29/58€1.00M€848k▼
Stocks and contracts in progress3€714k€412k▼
Stocks30/36€714k€412k▼
Amounts receivable within one year40/41€286k€337k▲
Trade receivables40€145k€197k▲
Other amounts receivable41€141k€140k▼
Cash at bank and in hand54/58€4k€100k▲
Equity and liabilities
Total equity and liabilities10/49€1.03M€850k▼
Equity10/15€567k€607k▲
Contributions10/11€19k€19k=
Reserves13€547k€587k▲
Distributable reserves133€547k€587k▲
Profit (loss) carried forward14€1k€1k=
Amounts payable17/49€463k€243k▼
Amounts payable after more than one year17€17k€54k▲
Financial debts170/4€17k€54k▲
Amounts payable within one year42/48€446k€189k▼
Current portion of amounts payable after more than one year42€228k€20k▼
Trade debts44€876€2k▲
Suppliers440/4€876€2k▲
Taxes, remuneration and social security45€27k€78k▲
Taxes450/3€27k€78k▲
Other amounts payable47/48€190k€90k▼
Income statement
Code20242025
Remuneration, social security and pensions62€209€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€893▼
Other operating charges640/8€3k€13k▲
Gross operating margin9900€65k€88k▲
Operating profit (loss)9901€58k€74k▲
Financial income75/76B€88€0▼
Recurring financial income75€88€0▼
Financial charges65/66B€35k€18k▼
Recurring financial charges65€35k€18k▼
Profit (loss) for the period before taxes9903€23k€55k▲
Income taxes67/77€7k€16k▲
Profit (loss) for the period9904€17k€39k▲
Profit (loss) for the period to be appropriated9905€17k€39k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€41k▲
Profit (loss) brought forward from the previous period14P€1k€1k=
Transfer to equity691/2€17k€39k▲
To other reserves6921€17k€39k▲
The notes to these accounts (15 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
16-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
18-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €122k ▲36.7%
Operating result €209k, net result €122k, both a record.
31-12
Financial
Equity above €500kEq €551k ▲28.3%
6 profitable years in a row build equity to €551k.
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity times 11current ratio 23.34
Current ratio from 2.06 to 23.34; short-term debt falls from €260k to €15k.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €1k ▼96.4%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Linter · 1 establishment unit since 2013
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.
Waterhofstraat(ORS) 13350 LinterGround area
634 m²
Building footprint
100 m²
Volume, LiDAR
513 m³
Parcel 24084A0188/00K000, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Autohandel Bart Ingels
since 20132.216.491.669
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24084A0188/00K000 | Flanders | 634 m² | 1 · 100 m² | 7.0 m · 2 fl. |
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.
Similar companies · same sector, comparable size
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SAR AUTOMOTIVE
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CarNetwork Kortrijk
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C.G.M AUTOMOBILES
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Of 2,131 companies in sector 46711 we hold annual accounts for 1,126. 660 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-01-2013
Fiscal year end31-12
Activities, NACEBEL
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.