Skip to content

BEHIND THE WHEEL

Active
Cooperative companyfounded 20223 years activeRue des Martyrs 115, 4420 Saint-Nicolas, BelgiumKBO/BCE: BE 0792.638.765
Summary

BEHIND THE WHEEL has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €384,080 and a net result of -€13,435. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 95% of 22,078 sector peers (NACE 47, fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).

Overview

Activity
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811
#5 company by equity in Saint-Nicolas, Wholesale and retail trade sector1 site
Size
€406,815total assets 2025
Equity
€384,080
Loss
-€13,435
Turnover not published (abridged schema)
Financial health
65 Healthy Checked score 2025
Bankruptcy probability, 12 months
1.3%
Structure
Accounts 38 days early0 of 1 deed read
Why 65- 1 of the last 3 late- Founded in 2022- Sector Retail trade (NACE 47)+ Equity €384,080 (94.4% of total assets)Show the evidence

Checked score

Score 2025
65 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 52% of its sector peers (NACE 47, micro)
Financial strength · tick = 2024
Strong
Solvency 100=
equity 94.4% of total assets
Liquidity 55=
short-term debt 2.1% · cash 3.9%
Profitability 29+1
return on assets -3.3%
Bankruptcy probability, 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,155 companies)
Last 24 months 11-2024: 0.8% 12-2024: 0.8%● unchanged vs 11-2024 01-2025: 0.8%● unchanged vs 12-2024 02-2025: 0.8%● unchanged vs 01-2025 03-2025: 0.8%● unchanged vs 02-2025 04-2025: 0.8%● unchanged vs 03-2025 05-2025: 0.8%● unchanged vs 04-2025 06-2025: 0.8%● unchanged vs 05-2025 07-2025: 0.7%▼ -0.1 percentage points vs 06-2025lowest value 08-2025: 1.0%▲ +0.3 percentage points vs 07-2025 09-2025: 1.1%▲ +0.1 percentage points vs 08-2025 10-2025: 1.5%▲ +0.4 percentage points vs 09-2025 11-2025: 1.5%● unchanged vs 10-2025 12-2025: 1.5%● unchanged vs 11-2025 01-2026: 1.5%● unchanged vs 12-2025 02-2026: 1.5%● unchanged vs 01-2026 03-2026: 1.5%● unchanged vs 02-2026 04-2026: 1.5%● unchanged vs 03-2026 05-2026: 1.5%● unchanged vs 04-2026highest value 06-2026: 1.3%▼ -0.2 percentage points vs 05-2026 07-2026: 1.3%● unchanged vs 06-2026 08-2026: 1.3%● unchanged vs 07-2026 09-2026: 1.3%● unchanged vs 08-2026 10-2026: 1.3%● unchanged vs 09-2026
Credit up to €24,000 at 30 days acceptable
Liquidity ample (current ratio 47.11 against 56.76 in 2024; short-term debt: 2.1% and cash: 3.9% of total assets), and 5.6% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 92% on solvency, 60% on liquidity, 24% on profitability and 33% on growth.

The bankruptcy probability was computed on 06-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals.
−lowers risk+raises risk○neutral
raises risk · 1 of the last 3 late
NBB · filings
raises risk · Founded in 2022
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
raises risk · Sector Retail trade (NACE 47)
KBO
lowers risk · Equity €384,080 (94.4% of total assets)
NBB · annual accounts
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 2025
Net result per financial year
232425
2023 to 2025 · latest year -€13,435
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 23-06-2026, 38 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
38 days early
2024
31 days late
2023
28 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 7 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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 29 August (3 of the last 3 filed years within 67 days of that day).
Companies Code · seven months
Position in the running window
07-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Weakest financial yearnet -€15,119

Key points

  • Risk: 3 loss-making years in a rowloss fiscal year 2025 -€13,435 View
  • Positive: Among the best 5% on solvencysector median 33.9% · 22,078 companies 94.4% View
  • Total assets 20253 fiscal years filed €406,815 View

By topic

Financials

Fiscal year
2025
Total assets
€406,815
Loss
-€13,435
Solvency
94.4%
Total assets▼ 1.5%
Net result
20232025
Go to Financials

Timeline

Events
4
Since
2024
Next accounts
by 31-07-2027
  1. 28-08-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Cooperative company
Activity
Retail sale of cars and light vans (up…NACE 47811
Founded
19-10-2022
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.