BONAUTO
ActiveBONAUTO has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €898k and a net result of €24k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 10253 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-5
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
short-term debt: 0.7% and cash: 25.2% of total assets, and 0.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
Sector 47
higher
← 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
99.3%
Return on assets
2.7%
Age of the figures
9 mo
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 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
9 d early
2023
9 d early
2022
21 d early
2021
20 d early
2020
37 d early
2019
37 d early
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€898k▲ 2.8%
2024 · €874k
2018: €636k
2019: €692k
2020: €763k
2021: €790k
2022: €805k
2023: €811k
2024: €874k
2018 → 2025
Total assets
€904k▼ 0.4%
2024 · €908k
2018: €970k
2019: €842k
2020: €872k
2021: €948k
2022: €889k
2023: €816k
2024: €908k
2018 → 2025
Net result
€24k▼ 60.9%
2024 · €62k
2018: €20k
2019: €56k
2020: €71k
2021: €27k
2022: €15k
2023: €6k
2024: €62k
2018 → 2025
Working capital
€644k▲ 6.0%
2024 · €607k
2018: €530k
2019: €494k
2020: €522k
2021: €509k
2022: €541k
2023: €560k
2024: €607k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€790k-€805k▲ 1.8%€811k▲ 0.8%€874k▲ 7.7%€898k▲ 2.8%
Operating result€38k-€62k▲ 62.0%€10k▼ 84.1%€86k▲ 770%€31k▼ 64.1%
Net result€27k-€15k▼ 46.4%€6k▼ 55.7%€62k▲ 865%€24k▼ 60.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 64% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €904k
Fixed assets
€254k▼ 4.6%
Current assets
€650k▲ 1.3%
Equity and liabilities €904k
Equity
€898k▲ 2.8%
Debt
€6k▼ 82.6%
The debt ratio falls from 3.8% to 0.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€91k▼
2024 · €136k
Cash flow
€84k▼
2024 · €113k
Solvency
99.3%▲
2024 · 96.2%
Quick ratio
78.54▲
2024 · 11.22
Debt / equity
0.01▼
2024 · 0.04
ROE
2.7%▼
2024 · 7.1%
ROA
2.7%▼
2024 · 6.9%
Interest coverage
71.07▼
2024 · 152.24
Debt
€6k▼
2024 · €34k
Debt ≤ 1 year
€6k▼
2024 · €34k
Income taxes
€11k▼
2024 · €22k
A ratio outside any meaningful range has been withheld (balance sheet total €904k, equity €898k).
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€908k€904k▼
Fixed assets21/28€266k€254k▼
Tangible fixed assets22/27€266k€254k▼
Land and buildings22€81k€81k=
Furniture and vehicles24€185k€173k▼
Current assets29/58€641k€650k▲
Stocks and contracts in progress3€259k€185k▼
Stocks30/36€259k€185k▼
Amounts receivable within one year40/41€34k€235k▲
Trade receivables40€28k€27k▼
Other amounts receivable41€6k€208k▲
Cash at bank and in hand54/58€348k€228k▼
Deferred charges and accrued income490/1€859€2k▲
Equity and liabilities
Total equity and liabilities10/49€908k€904k▼
Equity10/15€874k€898k▲
Contributions10/11€280k€280k=
Capital10€280k€280k=
Issued capital100€280k€280k=
Reserves13€220k€220k=
Non-distributable reserves130/1€36k€36k=
Legal reserve130€28k€28k=
Other1319€8k€8k=
Tax-exempt reserves132€23k€23k=
Distributable reserves133€161k€161k=
Profit (loss) carried forward14€374k€398k▲
Amounts payable17/49€34k€6k▼
Amounts payable within one year42/48€34k€6k▼
Trade debts44€23k€2k▼
Suppliers440/4€23k€2k▼
Taxes, remuneration and social security45€11k€4k▼
Taxes450/3€11k€4k▼
Income statement
Code20242025
Non-recurring operating income76A€39k€38k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€60k▲
Other operating charges640/8€15k€16k▲
Gross operating margin9900€150k€107k▼
Operating profit (loss)9901€86k€31k▼
Financial income75/76B-€6k
Recurring financial income75-€6k
Financial charges65/66B€893€1k▲
Recurring financial charges65€893€1k▲
Profit (loss) for the period before taxes9903€85k€35k▼
Income taxes67/77€22k€11k▼
Profit (loss) for the period9904€62k€24k▼
Profit (loss) for the period to be appropriated9905€62k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€374k€398k▲
Profit (loss) brought forward from the previous period14P€311k€374k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity times 6current ratio 109.87
Current ratio from 18.83 to 109.87; short-term debt falls from €34k to €6k.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €6k ▼55.7%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 15current ratio 109.75
Current ratio from 7.44 to 109.75; short-term debt falls from €84k to €5k.
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €71k ▲27.7%
Operating result €95k, net result €71k, both a record.
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
14-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 75 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Westerlo · 1 establishment unit since 1986
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Hoog Heultje 12260 WesterloGround area
3,781 m²
Building footprint
1,849 m²
Volume, LiDAR
9,324 m³
Parcel 13049D0679/00N000, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hoog Heultje 1, 2260 Westerlo
since 19862.028.655.525
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13049D0679/00N000 | Flanders | 3,781 m² | 1 · 1,849 m² | 6.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Immo Maasland de Schaetzen
BE 0417.295.582
Dilsen-Stokkem · Eq €897k
AUTOBEDRIJF CAUDRON
BE 0400.128.661
Dendermonde · Eq €900k
RENAULT PHILIPPEVILLE
BE 0433.088.964
Philippeville · Eq €902k
Key Rent
BE 0430.333.075
Lokeren · Eq €892k
AALST MOTORS
BE 0454.370.863
Wetteren · Eq €904k
Of 10,679 companies in sector 47811 we hold annual accounts for 5,225. 3,047 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded02-01-1986
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50200
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.