AUTOS CONCEPT
ActiveSummary
AUTOS CONCEPT has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €108,545 and a net result of -€13,293. Equity is growing by ~16.6% per year across the filed fiscal years. Its solvency ranks better than 28% of 10519 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability16▼-69
Solvency43▼-20
Growth35▼-17
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,500 at 30 days acceptable
Liquidity ample (current ratio 1.84 against 4.44 in 2024; short-term debt: 54.2% and cash: 8.6% of total assets), but 81.7% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
+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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
18.3%
Return on assets
-2.2%
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 25-09-2026, 56 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 · 10 filingsDeviation from the deadline
2025
56 d late
2024
55 d late
2023
15 d early
2022
42 d late
2021
68 d late
2020
81 d late
2019
38 d late
← 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 46 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 24 September (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
€1.3m▼ 16.9%
2022 · €1.6m
EBIT margin
1.3%▲ 1.9pp
2022 · -0.6%
Net result
-€13,293
2024 · €41,115
Working capital
€270,539▲ 10.2%
2024 · €245,496
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€1.7m€1.6m▼ 6.7%€1.3m▼ 16.9%
Operating result€24,263▲ 32.1%-€9,321€17,125€52,195▲ 205%-€11,425
Net result€20,004within the sector's middle half▲ 29.1%-€12,022below the sector's middle half€14,590within the sector's middle half€41,115above the sector's middle half▲ 182%-€13,293below the sector's middle half
EBIT margin1.4%-0.6%▼ 2.0pp1.3%▲ 1.9pp
Equity€78,155within the sector's middle half▲ 34.4%€66,134within the sector's middle half▼ 15.4%€80,723within the sector's middle half▲ 22.1%€121,838above the sector's middle half▲ 50.9%€108,545within the sector's middle half▼ 10.9%
Total assets€267,530within the sector's middle half▼ 44.3%€478,169above the sector's middle half▲ 78.7%€341,839above the sector's middle half▼ 28.5%€316,832within the sector's middle half▼ 7.3%€593,890within the sector's middle half▲ 87.4%
Debt€189,375▼ 55.2%€412,035▲ 118%€261,116▼ 36.6%€194,993▼ 25.3%€485,345▲ 149%
Working capital€171,702above the sector's middle half▼ 44.7%€260,009above the sector's middle half▲ 51.4%€280,428above the sector's middle half▲ 7.9%€245,496above the sector's middle half▼ 12.5%€270,539within the sector's middle half▲ 10.2%
Solvency29.2%within the sector's middle half▲ 17.1pp13.8%within the sector's middle half▼ 15.4pp23.6%within the sector's middle half▲ 9.8pp38.5%within the sector's middle half▲ 14.8pp18.3%within the sector's middle half▼ 20.2pp
Current ratio2.81above the sector's middle half▼ 0.022.19within the sector's middle half▼ 0.615.58above the sector's middle half▲ 3.384.44above the sector's middle half▼ 1.141.84within the sector's middle half▼ 2.60
Return on assets (ROA)7.5%within the sector's middle half▲ 4.3pp-2.5%within the sector's middle half▼ 10.0pp4.3%within the sector's middle half▲ 6.8pp13.0%above the sector's middle half▲ 8.7pp-2.2%below the sector's middle half▼ 15.2pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
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 turns negative in 2025: a loss of €11,425 after €52,195 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €593,890
Fixed assets
€1,566 ▲ 78,204%
Current assets
€592,324 ▲ 87.0%
Equity and liabilities €593,890
Equity
€108,545 ▼ 10.9%
Debt
€485,345 ▲ 149%
Debt's share of the balance-sheet total rises from 61.5% to 81.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€10,934▼
2024 · €52,348
Cash flow
-€12,802▼
2024 · €41,268
Quick ratio
1.10▼
2024 · 1.31
Debt to equity
4.47▲
2024 · 1.60
ROE
-12.2%▼
2024 · 33.7%
Interest coverage
-17.84▼
2024 · 106.11
Debt ≤ 1 year
€321,784▲
2024 · €71,333
Debt > 1 year
€163,560▲
2024 · €122,160
Income taxes
€3,502▼
2024 · €12,137
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,422 companies that looked in July 2024 the way this one looks now, 0.8% went bankrupt within 24 months and 96% are still going.
- Small
- 10 to 20 years old
- solvency 10 to 30%
- a small loss
0.8%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.0% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 1,422 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €1.7m | €1.6m | €1.3m | - | - | - |
| Non-recurring operating income76A | - | €4,518 | €4,265 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €1.6m | €1.6m | €1.3m | - | - | - |
| Remuneration, social security and pensions62 | €714 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €329 | €329 | €329 | €153 | €491 | ▲ 220% |
| Other operating charges640/8 | €4,385 | - | €277 | €1,143 | €1,413 | ▲ 23.6% |
| Non-recurring operating charges66A | €1,220 | €341 | - | €1,439 | €544 | ▼ 62.2% |
| Gross operating margin9900 | €30,912 | -€8,651 | €17,732 | €54,931 | -€8,977 | ▼ 116% |
| Operating profit (loss)9901 | €24,263 | -€9,321 | €17,125 | €52,195 | -€11,425 | ▼ 122% |
| Financial income75/76B | €2,853 | €101 | - | €1,551 | €2,246 | ▲ 44.9% |
| Recurring financial income75 | €2,853 | €101 | - | €1,551 | €2,246 | ▲ 44.9% |
| Financial charges65/66B | €665 | €302 | €386 | €493 | €613 | ▲ 24.2% |
| Recurring financial charges65 | €665 | €302 | €386 | €493 | €613 | ▲ 24.2% |
| Profit (loss) for the period before taxes9903 | €26,452 | -€9,522 | €16,740 | €53,252 | -€9,791 | ▼ 118% |
| Income taxes67/77 | €6,448 | €2,500 | €2,150 | €12,137 | €3,502 | ▼ 71.1% |
| Profit (loss) for the period9904 | €20,004 | -€12,022 | €14,590 | €41,115 | -€13,293 | ▼ 132% |
| Profit (loss) for the period to be appropriated9905 | €20,004 | -€12,022 | €14,590 | €41,115 | -€13,293 | ▼ 132% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €267,530 | €478,169 | €341,839 | €316,832 | €593,890 | ▲ 87.4% |
| Fixed assets21/28 | €813 | €484 | €155 | €2 | €1,566 | ▲ 78,204% |
| Intangible fixed assets21 | €2 | €2 | €2 | €2 | - | - |
| Tangible fixed assets22/27 | €811 | €482 | €153 | - | €1,566 | - |
| Furniture and vehicles24 | €811 | €482 | €153 | - | €1,566 | - |
| Current assets29/58 | €266,717 | €477,685 | €341,684 | €316,830 | €592,324 | ▲ 87.0% |
| Stocks and contracts in progress3 | €179,335 | €360,678 | €251,440 | €223,090 | €239,232 | ▲ 7.2% |
| Stocks30/36 | €179,335 | €360,678 | €251,440 | €223,090 | €239,232 | ▲ 7.2% |
| Amounts receivable within one year40/41 | €63,216 | €86,821 | €40,848 | €34,528 | €301,137 | ▲ 772% |
| Trade receivables40 | €36,160 | €50,090 | €970 | €450 | €70,216 | ▲ 15,504% |
| Other amounts receivable41 | €27,056 | €36,731 | €39,878 | €34,078 | €230,921 | ▲ 578% |
| Cash at bank and in hand54/58 | €24,166 | €30,186 | €49,395 | €57,313 | €51,362 | ▼ 10.4% |
| Deferred charges and accrued income490/1 | - | - | - | €1,898 | €593 | ▼ 68.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €267,530 | €478,169 | €341,839 | €316,832 | €593,890 | ▲ 87.4% |
| Equity10/15 | €78,155 | €66,134 | €80,723 | €121,838 | €108,545 | ▼ 10.9% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Issued capital100 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Legal reserve130 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | - | - | - | - | - |
| Profit (loss) carried forward14 | €57,695 | €45,674 | €60,263 | €101,378 | €88,085 | ▼ 13.1% |
| Amounts payable17/49 | €189,375 | €412,035 | €261,116 | €194,993 | €485,345 | ▲ 149% |
| Amounts payable after more than one year17 | €94,360 | €194,360 | €199,860 | €122,160 | €163,560 | ▲ 33.9% |
| Financial debts170/4 | - | €194,360 | - | - | - | - |
| Trade debts175 | €94,360 | - | €199,860 | €122,160 | €163,560 | ▲ 33.9% |
| Amounts payable within one year42/48 | €95,015 | €217,675 | €61,256 | €71,333 | €321,784 | ▲ 351% |
| Trade debts44 | €11,558 | €65,977 | €40,553 | €1,883 | €46,055 | ▲ 2,346% |
| Suppliers440/4 | €11,558 | €65,977 | €40,553 | €1,883 | €46,055 | ▲ 2,346% |
| Advances received on contracts in progress46 | - | - | - | - | €56,856 | - |
| Taxes, remuneration and social security45 | €16,080 | €10,918 | €9,869 | €11,175 | €17,330 | ▲ 55.1% |
| Taxes450/3 | €10,593 | €6,918 | €8,732 | €11,175 | €17,330 | ▲ 55.1% |
| Remuneration and social security454/9 | €5,487 | €4,000 | €1,137 | - | - | - |
| Other amounts payable47/48 | €67,377 | €140,781 | €10,834 | €58,276 | €201,545 | ▲ 246% |
| Accrued charges and deferred income492/3 | - | - | - | €1,500 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20,004 | -€12,022 | €14,590 | €41,115 | -€13,293 | ▼ 132% |
| + Depreciation and write-downs630 | €329 | €329 | €329 | €153 | €491 | ▲ 220% |
| Operating cash flow (approximation) | €20,333 | -€11,693 | €14,919 | €41,268 | -€12,802 | ▼ 131% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | -€2,055 | - |
| Change in cash | - | €6,019 | €19,210 | €7,917 | -€5,951 | ▼ 175% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 56 days late
2025
31-12
Financial
Weakest financial yearnet -€13,293
Net result drops to -€13,293, the lowest in the series.
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 55 days late
2024
31-12
Financial
Highest result since 2018net €41,115 ▲182%
Operating result €52,195, net result €41,115, both a record.
31-12
Financial
Equity above €100,000Eq €121,838 ▲50.9%
2 profitable years in a row build equity to €121,838.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €14,590
Net result €14,590 after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 5.58
Current ratio from 2.19 to 5.58; short-term debt falls from €217,675 to €61,256.
11-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 42 days late
2022
07-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 68 days late
2021
20-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 81 days late
2020
07-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 38 days late
Show earlier events
2019
10-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 71 days late
2018
17-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 48 days late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State 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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Directors · office · real estate
Directors
4 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, Charleroi · 1 establishment unit since 2019
Ground area
1,170 m²
Building footprint
108 m²
Volume, LiDAR
731 m³
Parcel 52028B0166/00G000, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AUTOS CONCEPT
since 20192.284.994.059
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52028B0166/00G000indicative | Wallonia | 1,170 m² | 1 · 108 m² | 9.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 10,664 companies in sector 47811 we hold annual accounts for 5,227. 3,664 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded13-04-2016
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46180Agents specialised in the wholesale of other particular products
E-invoicing
Reachable via Peppol
Peppol ID
0208:0651903544
Also
9925:BE0651903544
Registered
24-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.