Skip to content

BEL-CAR

Active
Private limited companyfounded 199035 yrs activeRue de Hollogne 200, 4101 Seraing, BelgiumKBO/BCE: BE 0442.649.602
Summary

BEL-CAR has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €215,658 and a net result of €9,786. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 42% of 3009 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch ReportCompare
BEL-CARActiveChecked score 84/100
Risk analysis ReportCompare

Overview

Activity
Bodywork repair (including spraying and painting)
NACE 95314NACE 45204Water transport NACE 50200
#6 oldest company in Seraing, Other services sector3 sites
Size
€708,421total assets 2025
Staff
6.4 FTE
Equity
€215,658
Profit
€9,786
Turnover not published (abridged schema)
Financial health
84 Excellent Checked score 2025
Bankruptcy chance 12 m
0.3%
Structure
Accounts filed 31 d late0 of 1 deed read
Why 84- Latest accounts 31 days late; 1 of the last 3 late- Sector Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)+ Size: total assets €708,421+ Founded in 1990Show the evidence

Checked score

Score 2025
84 / 100
Excellent
Probability in this band: under 0.55%
Better than 31% of its sector peers (NACE 95, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 55+1
equity 30.4% of total assets
Liquidity 25+11
short-term debt 52.2% · cash 1.2%
Profitability 41-10
return on assets 1.4%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (5,070 companies)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%▼ -3.2% vs 12-2024lowest value 02-2025: 0.2%▲ +1.9% vs 01-2025 03-2025: 0.2%▲ +3.2% vs 02-2025 04-2025: 0.2%▼ -3.6% vs 03-2025 05-2025: 0.2%▲ +5.5% vs 04-2025 06-2025: 0.2%▲ +1.3% vs 05-2025 07-2025: 0.4%▲ +54.7% vs 06-2025 08-2025: 0.3%▼ -15.3% vs 07-2025 09-2025: 0.3%● 0.0% vs 08-2025 10-2025: 0.3%● 0.0% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%▼ -0.7% vs 12-2025 02-2026: 0.3%▲ +2.6% vs 01-2026 03-2026: 0.3%▼ -0.6% vs 02-2026 04-2026: 0.3%▲ +1.3% vs 03-2026 05-2026: 0.3%▲ +6.7% vs 04-2026 06-2026: 0.3%▼ -5.4% vs 05-2026 07-2026: 0.4%▲ +13.7% vs 06-2026 08-2026: 0.8%▲ +118% vs 07-2026highest value 09-2026: 0.3%▼ -63.3% vs 08-2026 10-2026: 0.3%● 0.0% vs 09-2026
  • Size: total assets €708,421 lowers the probability for this profile
  • Founded in 1990 lowers the probability for this profile
  • Latest accounts 31 days late; 1 of the last 3 late raises the probability
  • Sector Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95) raises the probability
Credit up to €18,000 at 30 days acceptable
Liquidity tight (current ratio 1.44 against 1.08 in 2024; short-term debt: 52.2% and cash: 1.2% of total assets), and 69.6% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 95, micro). Better than this share of them on solvency 40%, liquidity 18%, profitability 24%, growth against the median 44%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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 · Size: total assets €708,421
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Founded in 1990
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Latest accounts 31 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Sector Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
In the bankruptcy model this factor raises the probability.
KBO
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 filings
Deviation from the deadline
2025
31 d late
2024
7 d early
2023
30 d late
2022
31 d late
2021
2 d early
2020
42 d early
2019
31 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 10 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 31 August (4 of the last 5 filed years within 33 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Highest result since 2018net €17,668 ▲204%

Key points

  • Positive: Oldest company in Seraing, Other services sectorin the Checked rankings #6 View
  • Positive: 7 profitable years in a rowprofit 2025: €9,786 7 years View
  • Active since 1990founded 01-12-1990 35 years View

By topic

Financials

Fiscal year
2025
Total assets
€708,421
Profit
€9,786
Solvency
30.4%
Total assets▲ 0.7%
Net result
20182025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 31-08-2026Annual accounts filed
  2. 24-07-2025Annual accounts filed
  3. 31-12-2024Highest result since 2018
Go to Timeline

Company details

Sites
3
Legal form
Private limited company
Activity
Bodywork repair (including spraying and painting)NACE 95314
Founded
01-12-1990
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check 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 Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

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.

We would like to set cookies. That happens only with your consent. What we measure