AUTOHANDEL ROBBY
ActiveAUTOHANDEL ROBBY has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €530k and a net result of €11k. Equity is growing by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 54% of 10310 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
62
/ 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
Profitability43▲+6
Solvency66▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.76 against 1.74 in 2024; short-term debt: 28.4% and cash: 14.8% of total assets), but 59.5% 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 · 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
40.5%
Return on assets
0.8%
Age of the figures
9 mo
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 29-05-2026, 63 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
63 d early
2024
41 d early
2023
57 d early
2022
60 d early
2021
46 d early
2020
60 d early
2019
53 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€530k▲ 2.0%
2024 · €519k
2018: €264k
2019: €392k
2020: €476k
2021: €550k
2022: €539k
2023: €517k
2024: €519k
2018 → 2025
Total assets
€1.31M▼ 3.3%
2024 · €1.35M
2018: €584k
2019: €763k
2020: €1.29M
2021: €1.46M
2022: €1.43M
2023: €1.37M
2024: €1.35M
2018 → 2025
Net result
€11k▲ 446%
2024 · €2k
2018: €106k
2019: €116k
2020: €84k
2021: €76k
2022: €-11k
2023: €-21k
2024: €2k
2018 → 2025
Working capital
€282k▼ 2.6%
2024 · €290k
2018: €266k
2019: €380k
2020: €445k
2021: €374k
2022: €317k
2023: €293k
2024: €290k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€550k-€539k▼ 2.1%€517k▼ 3.9%€519k▲ 0.4%€530k▲ 2.0%
Operating result€108k-€7k▼ 93.5%€2k▼ 65.4%€29k▲ 1,086%€32k▲ 12.6%
Net result€76k-€-11k€-21k▼ 93.4%€2k€11k▲ 446%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 13% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.31M
Fixed assets
€655k▼ 2.2%
Current assets
€653k▼ 4.3%
Equity and liabilities €1.31M
Equity
€530k▲ 2.0%
Debt
€778k▼ 6.6%
The debt ratio falls from 61.6% to 59.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€61k▲
2024 · €57k
Cash flow
€40k▲
2024 · €30k
Solvency
40.5%▲
2024 · 38.4%
Current ratio
1.76▲
2024 · 1.74
Quick ratio
0.55▲
2024 · 0.52
Debt / equity
1.47▼
2024 · 1.60
ROE
2.0%▲
2024 · 0.4%
ROA
0.8%▲
2024 · 0.1%
Interest coverage
2.74▲
2024 · 2.15
Debt
€778k▼
2024 · €833k
Debt ≤ 1 year
€371k▼
2024 · €393k
Debt > 1 year
€375k▼
2024 · €412k
Income taxes
€200=
2024 · €200
Staff costs
€18k▲
2024 · €16k
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€1.35M€1.31M▼
Fixed assets21/28€670k€655k▼
Tangible fixed assets22/27€663k€649k▼
Land and buildings22€653k€635k▼
Plant, machinery and equipment23€7k€3k▼
Furniture and vehicles24€3k€11k▲
Financial fixed assets28€6k€6k=
Current assets29/58€682k€653k▼
Stocks and contracts in progress3€476k€447k▼
Stocks30/36€476k€447k▼
Amounts receivable within one year40/41€29k€8k▼
Trade receivables40€13k€2k▼
Other amounts receivable41€16k€6k▼
Cash at bank and in hand54/58€169k€194k▲
Deferred charges and accrued income490/1€8k€4k▼
Equity and liabilities
Total equity and liabilities10/49€1.35M€1.31M▼
Equity10/15€519k€530k▲
Contributions10/11€20k€20k=
Reserves13€499k€509k▲
Distributable reserves133€499k€509k▲
Amounts payable17/49€833k€778k▼
Amounts payable after more than one year17€412k€375k▼
Financial debts170/4€412k€375k▼
Amounts payable within one year42/48€393k€371k▼
Current portion of amounts payable after more than one year42€34k€34k▲
Financial debts43€250k€250k=
Credit institutions430/8€250k€250k=
Trade debts44€22k€9k▼
Suppliers440/4€22k€9k▼
Taxes, remuneration and social security45€42k€34k▼
Taxes450/3€39k€28k▼
Remuneration and social security454/9€4k€6k▲
Other amounts payable47/48€44k€44k▼
Accrued charges and deferred income492/3€28k€32k▲
Income statement
Code20242025
Non-recurring operating income76A-€1k
Remuneration, social security and pensions62€16k€18k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€29k▲
Other operating charges640/8€5k€7k▲
Gross operating margin9900€79k€87k▲
Operating profit (loss)9901€29k€32k▲
Financial income75/76B€4€738▲
Recurring financial income75€4€738▲
Financial charges65/66B€27k€22k▼
Recurring financial charges65€27k€22k▼
Profit (loss) for the period before taxes9903€2k€11k▲
Income taxes67/77€200€200=
Profit (loss) for the period9904€2k€11k▲
Profit (loss) for the period to be appropriated9905€2k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€11k▲
Transfer from equity791/2€0-
Transfer to equity691/2€2k€11k▲
To other reserves6921€2k€11k▲
Social balance
Average headcount (FTE)90870.50.5=
The notes to these accounts (26 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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-21k
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €500kEq €550k ▲15.8%
4 profitable years in a row build equity to €550k.
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €116k ▲10%
Operating result €158k, net result €116k, both a record.
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 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, Brugge · 2 establishment units since 2016
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.
Lieven Bauwensstraat 148200 BruggeGround area
3,373 m²
Building footprint
1,307 m²
Volume, LiDAR
4,184 m³
3 parcels, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
AUTOHANDEL ROBBY
since 20162.249.950.434
Autohandel Robby
since 20222.331.905.239
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31808K0387/00C002 | Flanders | 1,624 m² | 1 · 405 m² | 10.2 m · 1 fl. |
| 31424B0550/00T000 | Flanders | 888 m² | 1 · 454 m² | 7.2 m |
| 31424B0550/00V000 | Flanders | 862 m² | 1 · 449 m² | 6.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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
D K CARS
BE 0472.972.097
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DAILY CARS CENTER
BE 0687.505.613
Waterloo · Eq €531k
GARAGE CLAESKENS
BE 0465.216.255
Scherpenheuvel-Zichem · Eq €531k
DREUW
BE 0432.286.834
Raeren · Eq €528k
CARCENTER STV
BE 0412.092.424
Menen · Eq €532k
Of 10,674 companies in sector 47811 we hold annual accounts for 5,223. 3,410 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-01-2016
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47812Retail trade
45204
95319Other maintenance and repair of motor vehicles
47820Retail sale of motor vehicle parts and accessories
77110Renting and leasing of cars and light motor vehicles
95314Bodywork repair (including spraying and painting)
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.