BARA
ActiveSummary
The annual accounts of BARA for fiscal year 2025 show a net loss of 84% of the equity at the start of that year. The 2025 annual accounts show equity of €29k and a net result of €-159k. Equity is growing by ~51.8% per year across the filed fiscal years. Its solvency ranks better than 10% of 685 sector peers (fiscal year 2025). The company has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability22▼-22
Solvency26▼-7
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.47 against 0.41 in 2024; short-term debt: 50% and cash: 0.3% of total assets), and 98.7% of the assets are financed with debt.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Education (NACE 85)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-159k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 685 sector peers (2025).
NBB · sector comparisonPosition among 685 sector peers
Solvency
better than 10%
← weakest
strongest →
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
28 d late
2022
29 d late
2021
31 d late
2020
118 d late
2019
90 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#7 employer in Fontaine-l'Evêque
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-159k▼ 3,343%
2024 · €-5k
Working capital
€-621k▲ 7.2%
2024 · €-669k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€69k▼ 6.7%€96k▲ 39.6%€144k▲ 49.4%€106k▼ 26.4%€-37k
Net result€14k▼ 29.5%€53k▲ 282%€78k▲ 46.5%€-5k€-159k▼ 3,343%
Equity€62k▲ 29.2%€115k▲ 86.3%€193k▲ 67.9%€188k▼ 2.4%€29k▼ 84.4%
Total assets€1.64M▼ 2.8%€1.57M▼ 4.3%€2.02M▲ 29.1%€2.22M▲ 9.7%€2.33M▲ 5.0%
Debt€1.58M▼ 3.7%€1.45M▼ 7.8%€1.83M▲ 26.0%€2.03M▲ 11.0%€2.30M▲ 13.3%
Working capital€-505k▼ 15.6%€-509k▼ 0.8%€-491k▲ 3.7%€-669k▼ 36.3%€-621k▲ 7.2%
Staff (FTE)38.2▼ 4.0%32.4▼ 15.2%31.3▼ 3.4%31.8▲ 1.6%32.1▲ 0.9%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €37k after €106k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.33M
Fixed assets
€1.78M ▲ 1.7%
Current assets
€544k ▲ 17.4%
Equity and liabilities €2.33M
Equity
€29k ▼ 84.4%
Debt
€2.30M ▲ 13.3%
Debt's share of the balance-sheet total rises from 91.5% to 98.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€194k▼
2024 · €333k
Cash flow
€72k▼
2024 · €222k
Current ratio
0.47▲
2024 · 0.41
Quick ratio
0.44▲
2024 · 0.38
Debt to equity
78.34▲
2024 · 10.77
ROE
-541.4%▼
2024 · -2.4%
ROA
-6.8%▼
2024 · -0.2%
Interest coverage
1.43▼
2024 · 3.11
Debt ≤ 1 year
€1.17M▲
2024 · €1.13M
Debt > 1 year
€1.13M▲
2024 · €894k
Income taxes
€0▼
2024 · €6k
Staff costs
€1.67M▲
2024 · €1.49M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €13k | €2k | - | - | - | - |
| Remuneration, social security and pensions62 | €1.42M | €1.32M | €1.49M | €1.49M | €1.67M | ▲ 11.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €165k | €170k | €188k | €227k | €231k | ▲ 1.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €114k | €-33k | €-25k | €0 | - | - |
| Other operating charges640/8 | €231k | €192k | €205k | €17k | €9k | ▼ 48.8% |
| Non-recurring operating charges66A | €4k | €17k | - | - | - | - |
| Gross operating margin9900 | €2.00M | €1.76M | €2.01M | €1.84M | €1.87M | ▲ 1.7% |
| Operating profit (loss)9901 | €69k | €96k | €144k | €106k | €-37k | ▼ 135% |
| Financial income75/76B | €10k | €4k | €45k | €3k | €14k | ▲ 398% |
| Recurring financial income75 | €10k | €4k | €45k | €3k | €14k | ▲ 398% |
| Financial charges65/66B | €66k | €47k | €110k | €107k | €136k | ▲ 27.4% |
| Recurring financial charges65 | €66k | €47k | €110k | €107k | €136k | ▲ 27.4% |
| Profit (loss) for the period before taxes9903 | €14k | €53k | €78k | €2k | €-159k | ▼ 9,606% |
| Income taxes67/77 | €-373 | - | - | €6k | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €14k | €53k | €78k | €-5k | €-159k | ▼ 3,343% |
| Profit (loss) for the period to be appropriated9905 | €14k | €53k | €78k | €-5k | €-159k | ▼ 3,343% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.64M | €1.57M | €2.02M | €2.22M | €2.33M | ▲ 5.0% |
| Fixed assets21/28 | €852k | €855k | €1.47M | €1.75M | €1.78M | ▲ 1.7% |
| Intangible fixed assets21 | €0 | €0 | €0 | - | €21k | - |
| Tangible fixed assets22/27 | €850k | €853k | €1.25M | €1.53M | €1.54M | ▲ 0.6% |
| Land and buildings22 | €136k | €130k | €125k | €119k | €114k | ▼ 4.6% |
| Plant, machinery and equipment23 | €331k | €346k | €358k | €455k | €501k | ▲ 10.2% |
| Furniture and vehicles24 | €89k | €116k | €322k | €290k | €243k | ▼ 16.2% |
| Leasing and similar rights25 | €13k | €9k | €142k | €119k | €96k | ▼ 19.1% |
| Other tangible fixed assets26 | €282k | €251k | €299k | €293k | €257k | ▼ 12.2% |
| Assets under construction and advance payments27 | - | - | - | €256k | €329k | ▲ 28.7% |
| Financial fixed assets28 | €2k | €2k | €223k | €223k | €223k | = |
| Current assets29/58 | €785k | €713k | €553k | €464k | €544k | ▲ 17.4% |
| Amounts receivable after more than one year29 | €11k | €11k | €11k | €11k | €11k | = |
| Other amounts receivable291 | €11k | €11k | €11k | €11k | €11k | = |
| Stocks and contracts in progress3 | €33k | €38k | €36k | €35k | €32k | ▼ 7.9% |
| Stocks30/36 | €33k | €38k | €36k | €35k | €32k | ▼ 7.9% |
| Amounts receivable within one year40/41 | €619k | €578k | €377k | €394k | €474k | ▲ 20.1% |
| Trade receivables40 | €236k | €300k | €303k | €314k | €331k | ▲ 5.2% |
| Other amounts receivable41 | €383k | €278k | €73k | €80k | €143k | ▲ 78.5% |
| Cash at bank and in hand54/58 | €97k | €53k | €110k | €12k | €7k | ▼ 42.9% |
| Deferred charges and accrued income490/1 | €26k | €33k | €19k | €12k | €21k | ▲ 74.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.64M | €1.57M | €2.02M | €2.22M | €2.33M | ▲ 5.0% |
| Equity10/15 | €62k | €115k | €193k | €188k | €29k | ▼ 84.4% |
| Contributions10/11 | €372k | €372k | €372k | €372k | €372k | ▼ 0.1% |
| Revaluation surpluses12 | €131k | €125k | €120k | €114k | €109k | ▼ 4.8% |
| Reserves13 | €175k | €180k | €186k | €191k | €197k | ▲ 2.9% |
| Non-distributable reserves130/1 | €37k | - | - | - | - | - |
| Reserves not available under the articles1311 | €37k | - | - | - | - | - |
| Distributable reserves133 | €137k | €180k | €186k | €191k | €197k | ▲ 2.9% |
| Profit (loss) carried forward14 | €-615k | €-562k | €-484k | €-489k | €-647k | ▼ 32.5% |
| Amounts payable17/49 | €1.58M | €1.45M | €1.83M | €2.03M | €2.30M | ▲ 13.3% |
| Amounts payable after more than one year17 | €285k | €227k | €771k | €894k | €1.13M | ▲ 26.5% |
| Financial debts170/4 | €285k | €227k | €771k | €894k | €1.13M | ▲ 26.5% |
| Amounts payable within one year42/48 | €1.29M | €1.22M | €1.04M | €1.13M | €1.17M | ▲ 2.9% |
| Current portion of amounts payable after more than one year42 | €77k | €65k | €97k | €82k | €90k | ▲ 10.3% |
| Financial debts43 | €120k | €92k | €172k | €159k | €203k | ▲ 27.2% |
| Credit institutions430/8 | €120k | €92k | €172k | €159k | €203k | ▲ 27.2% |
| Trade debts44 | €307k | €359k | €374k | €515k | €481k | ▼ 6.7% |
| Suppliers440/4 | €307k | €359k | €374k | €515k | €481k | ▼ 6.7% |
| Taxes, remuneration and social security45 | €261k | €279k | €306k | €257k | €269k | ▲ 4.8% |
| Taxes450/3 | €32k | €37k | €28k | €31k | €33k | ▲ 5.7% |
| Remuneration and social security454/9 | €229k | €243k | €278k | €226k | €236k | ▲ 4.6% |
| Other amounts payable47/48 | €526k | €427k | €94k | €120k | €123k | ▲ 2.6% |
| Accrued charges and deferred income492/3 | €465 | €3k | €15k | €3k | €3k | ▲ 8.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14k | €53k | €78k | €-5k | €-159k | ▼ 3,343% |
| + Depreciation and write-downs630 | €165k | €170k | €188k | €227k | €231k | ▲ 1.8% |
| Operating cash flow (approximation) | €179k | €223k | €266k | €222k | €72k | ▼ 67.5% |
| Investment in fixed assets (approximation) | - | €-172k | €-803k | €-512k | €-261k | ▲ 49.0% |
| Change in cash | - | €-44k | €58k | €-99k | €-5k | ▲ 94.9% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-159k
Net result drops to €-159k, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 28 days late
2023
31-12
Financial
Highest result since 2018net €78k ▲46.5%
Operating result €144k, net result €78k, both a record.
31-12
Financial
Equity above €150kEq €193k ▲67.9%
5 profitable years in a row build equity to €193k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
31-12
Financial
Equity above €100kEq €115k ▲86.3%
4 profitable years in a row build equity to €115k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
26-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 118 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 90 days late
2019
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
Show earlier events
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 28 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Fontaine-l'Evêque · 12 establishment units since 1987
Ground area
2.0 ha
Building footprint
800 m²
Volume, LiDAR
5,583 m³
12 parcels, Wallonia · tallest building 13.7 m, ±4 floors. Linked by address, not a title deed.
12 establishment units
Bara
since 19872.029.876.240
Bara
since 19872.029.876.339
Bara
since 19872.029.876.438
Bara
since 19872.029.876.636
Bara
since 19872.029.876.735
Bara
since 19872.029.876.834
Show 6 more locations
Bara
since 19872.029.876.933
Bara
since 19872.029.877.032
Bara
since 19982.029.877.131
Bara
since 20082.190.118.557
Bara
since 20142.231.560.620
BARA
since 20152.256.446.959
12 parcels
Wallonia
12
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52010C0001/00B016 | Wallonia | 1.7 ha | - | - |
| 52022B0640/00F002 | Wallonia | 1,099 m² | 1 · 100 m² | 8.0 m · 1 fl. |
| 52012A0217/00S003 | Wallonia | 384 m² | 1 · 70 m² | - |
| 52028A0306/00R000 | Wallonia | 243 m² | 1 · 103 m² | 10.2 m · 3 fl. |
| 56011D0246/00E009 | Wallonia | 226 m² | 1 · 129 m² | 13.7 m · 4 fl. |
| 52044B0581/00G000 | Wallonia | 155 m² | 1 · 45 m² | 10.9 m · 3 fl. |
| 55372D0033/00C018 | Wallonia | 137 m² | 1 · 48 m² | 10.8 m · 3 fl. |
| 52011B0239/00M178 | Wallonia | 133 m² | 1 · 53 m² | - |
| 56058B0374/00K025 | Wallonia | 123 m² | 1 · 41 m² | 9.7 m · 3 fl. |
| 52040B0319/00L002 | Wallonia | 118 m² | 1 · 87 m² | 12.5 m · 3 fl. |
| 52015B0885/00G007 | Wallonia | 100 m² | 1 · 55 m² | 13.4 m · 3 fl. |
| 56030C0264/00Y002 | Wallonia | 40 m² | 1 · 68 m² | - |
Linked by address, not proof of ownership
Good to know
12 of 12 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,038 companies in sector 85531 we hold annual accounts for 347. 262 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
Founded25-09-1987
Fiscal year end31-12
Activities, NACEBEL 2025
85531Driving schools for cars and motorcycles
Contact
Website
www.autoecolebara.be
E-mail
direction@autoecolebara.be
Phone
0486240306
Phone
071/54.99.92Thuin
Phone
0475/352929Charleroi
Scores and ratios are computed by Checked and are not a credit decision.