AUTOHANDEL J.W.
ActiveAUTOHANDEL J.W. has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €46k and a net result of €-12k. Equity is shrinking by ~19% per year across the filed fiscal years. Its solvency ranks better than 29% of 15869 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
36
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability16▲+16
Solvency37▼-4
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.1 against 1.15 in 2023; short-term debt: 84.5% and cash: 3.4% of total assets), and 88.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
11.6%
Return on assets
-3.1%
Age of the figures
24 mo
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 · 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 →
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-12k
raises risk · Annual accounts not filed
The financial year that closed on 30-09-2025 was due at the National Bank by 30-04-2026. Nothing is on record, 139 days later.
NBB · 10 filingsPosition against the passed deadline
30-09-2025 close30-04-2026 deadline16-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2024 was due by 30-04-2025 and was filed on 26-03-2025, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
35 d early
2023
32 d early
2022
32 d late
2021
397 d late
2020
601 d late
2019
193 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€46k▼ 21.2%
2023 · €58k
2018: €168k
2019: €177k
2020: €152k
2021: €185k
2022: €232k
2023: €58k
2018 → 2024
Total assets
€398k▲ 11.4%
2023 · €357k
2018: €610k
2019: €609k
2020: €673k
2021: €530k
2022: €413k
2023: €357k
2018 → 2024
Net result
€-12k▲ 92.9%
2023 · €-174k
2018: €-9k
2019: €10k
2020: €-25k
2021: €33k
2022: €47k
2023: €-174k
2018 → 2024
Working capital
€34k▼ 19.6%
2023 · €42k
2018: €135k
2019: €148k
2020: €122k
2021: €160k
2022: €208k
2023: €42k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€152k-€185k▲ 22.0%€232k▲ 25.4%€58k▼ 74.8%€46k▼ 21.2%
Operating result€-24k-€36k€68k▲ 88.7%€-149k€-2k▲ 98.6%
Net result€-25k-€33k€47k▲ 40.9%€-174k€-12k▲ 92.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2024 against €149k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €398k
Fixed assets
€28k▲ 6.1%
Current assets
€370k▲ 11.8%
Equity and liabilities €398k
Equity
€46k▼ 21.2%
Debt
€352k▲ 17.8%
The debt ratio rises from 83.6% to 88.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€838▲
2023 · €-147k
Cash flow
€-9k▲
2023 · €-172k
Solvency
11.6%▼
2023 · 16.4%
Current ratio
1.10▼
2023 · 1.15
Quick ratio
0.30▼
2023 · 0.33
Debt / equity
7.63▲
2023 · 5.10
ROE
-26.9%▲
2023 · -297.5%
ROA
-3.1%▲
2023 · -48.7%
Interest coverage
0.08▲
2023 · -107.22
Debt
€352k▲
2023 · €298k
Debt ≤ 1 year
€336k▲
2023 · €289k
Income taxes
€17▼
2023 · €23k
Staff costs
€606▲
2023 · €494
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€357k€398k▲
Fixed assets21/28€26k€28k▲
Tangible fixed assets22/27€26k€28k▲
Land and buildings22€22k€25k▲
Furniture and vehicles24€4k€3k▼
Current assets29/58€331k€370k▲
Stocks and contracts in progress3€236k€270k▲
Stocks30/36€236k€270k▲
Amounts receivable within one year40/41€3k€83k▲
Trade receivables40€3k€23k▲
Other amounts receivable41-€60k
Cash at bank and in hand54/58€86k€13k▼
Deferred charges and accrued income490/1€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€357k€398k▲
Equity10/15€58k€46k▼
Contributions10/11€30k€30k=
Reserves13€202k€202k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Tax-exempt reserves132€4k€4k=
Distributable reserves133€196k€196k=
Profit (loss) carried forward14€-174k€-186k▼
Amounts payable17/49€298k€352k▲
Amounts payable within one year42/48€289k€336k▲
Financial debts43€18k€18k=
Credit institutions430/8€18k€18k=
Trade debts44€214k€22k▼
Suppliers440/4€214k€22k▼
Advances received on contracts in progress46-€11k
Taxes, remuneration and social security45€44k-
Taxes450/3€44k-
Other amounts payable47/48€12k€285k▲
Accrued charges and deferred income492/3€10k€15k▲
Income statement
Code20232024
Non-recurring operating income76A-€2k
Remuneration, social security and pensions62€494€606▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€12k€3k▼
Non-recurring operating charges66A-€280
Gross operating margin9900€-135k€5k▲
Operating profit (loss)9901€-149k€-2k▲
Financial income75/76B€5€2▼
Recurring financial income75€5€2▼
Financial charges65/66B€1k€10k▲
Recurring financial charges65€1k€10k▲
Profit (loss) for the period before taxes9903€-151k€-12k▲
Income taxes67/77€23k€17▼
Profit (loss) for the period9904€-174k€-12k▲
Profit (loss) for the period to be appropriated9905€-174k€-12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-174k€-186k▼
Profit (loss) brought forward from the previous period14P-€-174k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €-174k ▼469%
Net result drops to €-174k, the lowest in the series; recovery starts the following year.
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 397 days late
2022
22-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 601 days late
30-09
Financial
Highest result since 2018net €47k ▲40.9%
Operating result €68k, net result €47k, both a record.
30-09
Financial
Equity above €200kEq €232k ▲25.4%
2 profitable years in a row build equity to €232k.
2021
30-09
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 193 days late
20-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 325 days late
23-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 633 days late
2019
30-09
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
2017
02-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 2 days late
2016
28-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 59 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, Antwerpen · 1 establishment unit since 2004
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.
Santvoortbeeklaan 322100 AntwerpenGround area
4,779 m²
Building footprint
2,107 m²
Volume, LiDAR
14,741 m³
2 parcels, Flanders · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
AUTOHANDEL J.W.
since 20042.136.084.015
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11807G0367/00L009 | Flanders | 2,934 m² | 1 · 1,197 m² | 9.6 m · 3 fl. |
| 11012A0277/00D000 | Flanders | 1,845 m² | 1 · 910 m² | 6.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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LEXACO
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Of 2,132 companies in sector 46711 we hold annual accounts for 1,126. 722 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded07-10-2003
Fiscal year end30-09
Activities, NACEBEL
46711Wholesale of cars and light vans (up to 3.5 tonnes)
50101
47811Retail sale of cars and light vans (up to 3.5 tonnes)
45194
46713Wholesale trade
47300Retail sale of automotive fuel
50103
50104
68203Renting and operating of own or leased non-residential real estate, excluding land
70203
Sources
Crossroads Bank for EnterprisesNational Bank · 21 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.