B.E.J. CAR
ActiveSummary
B.E.J. CAR has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €334,074 and a net result of €34,391. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 90% of 18973 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Overview
What they do
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811NACE 45113NACE 45201
1 site
How big
€399,531total assets 2025
- Staff
- 2 FTE
- Equity
- €334,074
- Profit
- €34,391
Turnover not published (abridged schema)
Who decides
Accounts 33 d early0 of 1 deed read
Why 87- Higher-failure-rate sector- Higher-failure-rate region+ Long track record+ Annual accounts: healthy financial profileLatest accounts filed on timeShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability80▼-6
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 5.49 against 4.25 in 2024; short-term debt: 16.4% and cash: 43% of total assets), and 16.4% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
83.6%
Return on assets
8.6%
Age of the figures
19 mo
neutral · Latest accounts filed on time
The financial year that closed on 28-02-2025 was due by 30-09-2025 and was filed on 28-08-2025, 33 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
33 d early
2024
42 d early
2023
89 d early
2022
30 d early
2021
62 d early
2020
21 d early
2019
8 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 38 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Highest result since 2019net €58,572 ▲47.1%
Financials
Fiscal year 2025Total assets €399,531Profit €34,391Solvency 83.6%Liquidity 5.49
Total assets
€399,531▼ 5.6%
2019 - 2025
Net result
€34,391▼ 41.3%
2019 - 2025
Equity
€334,074▼ 0.5%
2019 - 2025
Staff (FTE)
2=
2019 - 2025
Financials · fiscal year 2025, micro schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€2,292€30,098€57,484▲ 91.0%€84,810▲ 47.5%€51,523▼ 39.2%
Net result-€4,362below the sector's middle half€24,348above the sector's middle half€39,819above the sector's middle half▲ 63.5%€58,572above the sector's middle half▲ 47.1%€34,391above the sector's middle half▼ 41.3%
Equity€253,634above the sector's middle half▼ 1.7%€276,382above the sector's middle half▲ 9.0%€314,601above the sector's middle half▲ 13.8%€335,654above the sector's middle half▲ 6.7%€334,074above the sector's middle half▼ 0.5%
Total assets€341,780above the sector's middle half▲ 12.7%€348,982above the sector's middle half▲ 2.1%€398,920above the sector's middle half▲ 14.3%€423,277above the sector's middle half▲ 6.1%€399,531above the sector's middle half▼ 5.6%
Debt€88,146▲ 94.6%€72,600▼ 17.6%€84,319▲ 16.1%€87,623▲ 3.9%€65,457▼ 25.3%
Working capital€216,542above the sector's middle half▼ 4.5%€244,485above the sector's middle half▲ 12.9%€284,950above the sector's middle half▲ 16.6%€284,123above the sector's middle half▼ 0.3%€293,823above the sector's middle half▲ 3.4%
Solvency74.2%above the sector's middle half▼ 10.9pp79.2%above the sector's middle half▲ 5.0pp78.9%above the sector's middle half▼ 0.3pp79.3%above the sector's middle half▲ 0.4pp83.6%above the sector's middle half▲ 4.3pp
Current ratio4.84above the sector's middle half▼ 2.205.31above the sector's middle half▲ 0.474.55above the sector's middle half▼ 0.774.25above the sector's middle half▼ 0.305.49above the sector's middle half▲ 1.24
Return on assets (ROA)-1.3%within the sector's middle half▼ 3.3pp7.0%within the sector's middle half▲ 8.3pp10.0%within the sector's middle half▲ 3.0pp13.8%above the sector's middle half▲ 3.9pp8.6%within the sector's middle half▼ 5.2pp
Staff (FTE)2=2=2=2=2=
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 micro schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 39% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €399,531
Fixed assets
€40,252 ▼ 22.1%
Current assets
€359,279 ▼ 3.3%
Equity and liabilities €399,531
Equity
€334,074 ▼ 0.5%
Debt
€65,457 ▼ 25.3%
Debt's share of the balance-sheet total falls from 20.7% to 16.4%. Equity and debt are lower.
Key figures and ratios
Key figures and ratios
EBITDA
€68,226▼
2024 · €103,200
Cash flow
€51,094▼
2024 · €76,962
Quick ratio
4.02▲
2024 · 3.03
Debt to equity
0.20▼
2024 · 0.26
ROE
10.3%▼
2024 · 17.5%
Interest coverage
30.83▼
2024 · 128.67
Debt ≤ 1 year
€65,457▼
2024 · €87,499
Income taxes
€18,937▼
2024 · €29,637
Staff costs
€107,978▲
2024 · €102,943
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,371 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.5%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% 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 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 31,371 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.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €87,897 | €92,641 | €102,943 | €107,978 | ▲ 4.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €19,173 | €22,868 | €19,455 | €18,391 | €16,703 | ▼ 9.2% |
| Other operating charges640/8 | - | €2,889 | €2,500 | €2,603 | €3,723 | ▲ 43.1% |
| Gross operating margin9900 | €99,066 | €143,752 | €172,080 | €208,746 | €179,927 | ▼ 13.8% |
| Operating profit (loss)9901 | -€2,292 | €30,098 | €57,484 | €84,810 | €51,523 | ▼ 39.2% |
| Financial income75/76B | - | €2,532 | €4,057 | €4,201 | €4,018 | ▼ 4.3% |
| Recurring financial income75 | €1,902 | €2,532 | €4,057 | €4,201 | €4,018 | ▼ 4.3% |
| Financial charges65/66B | - | €933 | €777 | €802 | €2,213 | ▲ 176% |
| Recurring financial charges65 | €834 | €933 | €777 | €802 | €2,213 | ▲ 176% |
| Profit (loss) for the period before taxes9903 | -€1,223 | €31,697 | €60,764 | €88,208 | €53,328 | ▼ 39.5% |
| Income taxes67/77 | €3,138 | €7,349 | €20,945 | €29,637 | €18,937 | ▼ 36.1% |
| Profit (loss) for the period9904 | -€4,362 | €24,348 | €39,819 | €58,572 | €34,391 | ▼ 41.3% |
| Transfer from tax-exempt reserves789 | - | €0 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €22,841 | €24,348 | €39,819 | €58,572 | €34,391 | ▼ 41.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €341,780 | €348,982 | €398,920 | €423,277 | €399,531 | ▼ 5.6% |
| Fixed assets21/28 | €68,845 | €47,797 | €33,626 | €51,654 | €40,252 | ▼ 22.1% |
| Tangible fixed assets22/27 | €68,845 | €47,797 | €33,626 | €51,654 | €40,252 | ▼ 22.1% |
| Land and buildings22 | - | - | - | €7,331 | €6,751 | ▼ 7.9% |
| Plant, machinery and equipment23 | - | €2,117 | €4,670 | €7,276 | €5,880 | ▼ 19.2% |
| Furniture and vehicles24 | - | €13,114 | €5,930 | €23,561 | €27,621 | ▲ 17.2% |
| Leasing and similar rights25 | - | €32,567 | €23,027 | €13,487 | €0 | ▼ 100% |
| Current assets29/58 | €272,935 | €301,185 | €365,294 | €371,622 | €359,279 | ▼ 3.3% |
| Stocks and contracts in progress3 | €92,500 | €77,724 | €78,181 | €106,693 | €95,854 | ▼ 10.2% |
| Stocks30/36 | - | €77,724 | €78,181 | €106,693 | €95,854 | ▼ 10.2% |
| Amounts receivable within one year40/41 | €51,803 | €63,561 | €85,761 | €100,763 | €80,034 | ▼ 20.6% |
| Trade receivables40 | - | €11,851 | €18,969 | €19,277 | €14,554 | ▼ 24.5% |
| Other amounts receivable41 | - | €51,710 | €66,792 | €81,486 | €65,480 | ▼ 19.6% |
| Cash at bank and in hand54/58 | €120,467 | €151,365 | €191,788 | €155,545 | €171,717 | ▲ 10.4% |
| Deferred charges and accrued income490/1 | - | €8,535 | €9,565 | €8,620 | €11,674 | ▲ 35.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €341,780 | €348,982 | €398,920 | €423,277 | €399,531 | ▼ 5.6% |
| Equity10/15 | €253,634 | €276,382 | €314,601 | €335,654 | €334,074 | ▼ 0.5% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €71,974 | €96,322 | €136,141 | €158,860 | €158,990 | ▲ 0.1% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | €94,462 | €134,281 | €157,000 | €157,130 | ▲ 0.1% |
| Profit (loss) carried forward14 | €163,060 | €161,460 | €159,860 | €158,194 | €156,484 | ▼ 1.1% |
| Amounts payable17/49 | €88,146 | €72,600 | €84,319 | €87,623 | €65,457 | ▼ 25.3% |
| Amounts payable after more than one year17 | €31,752 | €15,900 | €3,975 | €0 | - | - |
| Financial debts170/4 | - | €15,900 | €3,975 | €0 | - | - |
| Amounts payable within one year42/48 | €56,393 | €56,700 | €80,344 | €87,499 | €65,457 | ▼ 25.2% |
| Current portion of amounts payable after more than one year42 | - | €15,852 | €11,925 | €3,975 | €0 | ▼ 100% |
| Trade debts44 | €22,357 | €10,904 | €21,093 | €10,754 | €11,124 | ▲ 3.4% |
| Suppliers440/4 | - | €10,904 | €21,093 | €10,754 | €11,124 | ▲ 3.4% |
| Advances received on contracts in progress46 | - | €100 | €0 | - | - | - |
| Taxes, remuneration and social security45 | - | €28,724 | €46,206 | €37,543 | €20,588 | ▼ 45.2% |
| Taxes450/3 | - | €17,950 | €34,497 | €24,443 | €9,299 | ▼ 62.0% |
| Remuneration and social security454/9 | - | €10,773 | €11,709 | €13,100 | €11,289 | ▼ 13.8% |
| Other amounts payable47/48 | - | €1,120 | €1,120 | €35,227 | €33,745 | ▼ 4.2% |
| Accrued charges and deferred income492/3 | - | - | - | €124 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€4,362 | €24,348 | €39,819 | €58,572 | €34,391 | ▼ 41.3% |
| + Depreciation and write-downs630 | €19,173 | €22,868 | €19,455 | €18,391 | €16,703 | ▼ 9.2% |
| Operating cash flow (approximation) | €14,812 | €47,216 | €59,274 | €76,962 | €51,094 | ▼ 33.6% |
| Investment in fixed assets (approximation) | - | -€1,820 | -€5,284 | -€36,419 | -€5,300 | ▲ 85.4% |
| Change in cash | - | €30,898 | €40,423 | -€36,242 | €16,172 | ▲ 145% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector, comparable size
GARAGE VAN GOETHEM
BE 0832.073.522
Waasmunster · Eq €334,136
THIRY LOCATION
BE 0867.706.867
Beaumont · Eq €333,854
SNAB
BE 0892.798.490
Leuven · Eq €334,397
AUTOHANDEL BULENT
BE 0859.820.668
Heusden-Zolder · Eq €333,383
TM-Cars
BE 0726.946.506
Bilzen-Hoeselt · Eq €335,011
Of 10,654 companies in this sector we hold annual accounts for 5,227. 3,616 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
13 eventsLatest 28-08-2025
History
Acts, filings and financial milestones
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
29-02
Financial
Highest result since 2019net €58,572 ▲47.1%
Operating result €84,810, net result €58,572, both a record.
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
28-02
Financial
Back to profitnet €24,348
Net result €24,348 after one loss-making year.
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
28-02
Financial
Weakest financial yearnet -€4,362
Net result drops to -€4,362, the lowest in the series; recovery starts the following year.
2020
09-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 8 days late
2018
11-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 11 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Company details
Private limited company · founded 12-09-1988Year ends 28-02Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded12-09-1988
Fiscal year end28-02
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0435313729
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Namur · 1 establishment unit since 1988
Ground area
760 m²
Building footprint
223 m²
Volume, LiDAR
1,463 m³
Parcel 92128A0395/00L000, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de la Sitrée(VD) 45, 5020 Namur
since 1988unit no. 2.040.370.551
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92128A0395/00L000 | Wallonia | 760 m² | 1 · 223 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Go further with this company
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