AUTOHANDEL DECOCK
ActiveThe computed 12-month bankruptcy probability of AUTOHANDEL DECOCK is 1.5% (moderate). The 2025 annual accounts show equity of €698k and a net result of €161k. Equity is growing by ~35.6% per year across the filed fiscal years. Its solvency ranks better than 69% of 18281 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-10
Solvency82▲+7
Growth52=
Track record94
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 2.31 against 2.01 in 2024; short-term debt: 42.9% of total assets), and 43.2% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
56.8%
Return on assets
13.1%
Age of the figures
9 mo
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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
23 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€698k▲ 29.5%
2024 · €539k
2023: €315k
2024: €539k
2023 → 2025
Total assets
€1.23M▲ 14.7%
2024 · €1.07M
2023: €750k
2024: €1.07M
2023 → 2025
Net result
€161k▼ 29.0%
2024 · €226k
2023: €306k
2024: €226k
2023 → 2025
Working capital
€694k▲ 29.5%
2024 · €536k
2023: €317k
2024: €536k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€315k-€539k▲ 71.4%€698k▲ 29.5%
Operating result€453k-€346k▼ 23.5%€251k▼ 27.5%
Net result€306k-€226k▼ 26.1%€161k▼ 29.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 27% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.23M
Fixed assets
€8k▲ 8.2%
Current assets
€1.22M▲ 14.7%
Equity and liabilities €1.23M
Equity
€698k▲ 29.5%
Debt
€531k▼ 0.3%
The debt ratio falls from 49.7% to 43.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€253k▼
2024 · €348k
Cash flow
€163k▼
2024 · €228k
Solvency
56.8%▲
2024 · 50.3%
Current ratio
2.31▲
2024 · 2.01
Quick ratio
1.12▲
2024 · 0.43
Debt / equity
0.76▼
2024 · 0.99
ROE
23.0%▼
2024 · 42.0%
ROA
13.1%▼
2024 · 21.1%
Interest coverage
12.04▼
2024 · 17.43
Debt
€531k▼
2024 · €533k
Debt ≤ 1 year
€528k▼
2024 · €529k
Income taxes
€69k▼
2024 · €100k
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€1.07M€1.23M▲
Fixed assets21/28€7k€8k▲
Intangible fixed assets21€250€150▼
Tangible fixed assets22/27€4k€5k▲
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24€2k€613▼
Financial fixed assets28€3k€3k=
Current assets29/58€1.06M€1.22M▲
Stocks and contracts in progress3€840k€629k▼
Stocks30/36€840k€629k▼
Amounts receivable within one year40/41€78k€122k▲
Trade receivables40€45k€122k▲
Other amounts receivable41€33k-
Current investments50/53€147k€470k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€1.07M€1.23M▲
Equity10/15€539k€698k▲
Contributions10/11€10k€10k=
Reserves13€529k€688k▲
Distributable reserves133€529k€688k▲
Profit (loss) carried forward14€418-
Amounts payable17/49€533k€531k▼
Amounts payable within one year42/48€529k€528k▼
Trade debts44€11k€5k▼
Suppliers440/4€11k€5k▼
Taxes, remuneration and social security45€250k€197k▼
Taxes450/3€250k€197k▼
Other amounts payable47/48€268k€326k▲
Accrued charges and deferred income492/3€4k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€351k€256k▼
Operating profit (loss)9901€346k€251k▼
Financial income75/76B€13€1▼
Recurring financial income75€13€1▼
Financial charges65/66B€20k€21k▲
Recurring financial charges65€20k€21k▲
Profit (loss) for the period before taxes9903€326k€230k▼
Income taxes67/77€100k€69k▼
Profit (loss) for the period9904€226k€161k▼
Profit (loss) for the period to be appropriated9905€226k€161k▼
Appropriation of the result
Profit (loss) to be appropriated9906€227k€161k▼
Profit (loss) brought forward from the previous period14P€365€418▲
Transfer to equity691/2€225k€159k▼
To other reserves6921€225k€159k▼
Profit to be distributed694/7€2k€2k▼
Return on contributions (dividend)694€2k€2k▼
The notes to these accounts (11 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
22-09
State Gazette act
General meeting · Registered-office moveGeneral meeting · Registered-office move2 facts ▸
State Gazette act
General meeting · Registered-office move
General meeting · Registered-office move2 facts ▸
- General meeting, 2026-04-16
- Registered-office move, Veurnseweg 34, 8900 leper
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €161k ▼29%
Net result drops to €161k, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Equity above €500kEq €539k ▲71.4%
2 profitable years in a row build equity to €539k.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
Financial milestoneState Gazette actNBB 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 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Ieper · 1 establishment unit since 2022
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.
Veurnseweg 348900 IeperGround area
373 m²
Building footprint
109 m²
Parcel 33304A0410/00C005, Flanders. Linked by address, not a title deed.
1 establishment unit
Autohandel Decock
since 20222.331.955.620
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33304A0410/00C005 | Flanders | 373 m² | 1 · 109 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.
Similar companies · same sector, comparable size
GARAGE DOMINIQUE LEMASSON
BE 0468.033.809
Gouvy · Eq €698k
PINCHART ET FILS
BE 0871.368.717
Aywaille · Eq €697k
AUTOHANDEL RAF BIJNENS
BE 0811.512.886
Genk · Eq €697k
AUTOHANDEL VAN DESSEL
BE 0423.388.370
Mortsel · Eq €699k
ARNONE
BE 0420.751.455
Seraing · Eq €700k
Of 10,671 companies in sector 47811 we hold annual accounts for 5,222. 3,229 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-06-2022
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47812Retail trade
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.