BOUVY MOTOR
ActiveBOUVY MOTOR has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.35M and a net result of €155k. Equity is growing by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 33% of 4149 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+5
Solvency47=
Growth48▼-19
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €180k at 30 days acceptable
Liquidity tight (current ratio 1.31 against 1.29 in 2024; short-term debt: 63.5% and cash: 3.3% of total assets), and 77.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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
22.1%
Return on assets
1%
Age of the figures
13 mo
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 30-04-2026, 30 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
30 d late
2024
on the day
2023
2 d early
2022
7 d early
2021
1 d early
2020
on the day
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-08-2026 and is due by 31-03-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-08-2026 close22-09-2026 today31-03-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€27.18M▼ 7.3%
2024 · €29.31M
2019: €24.56M
2020: €21.51M
2021: €28.57M
2022: €24.29M
2023: €30.77M
2024: €29.31M
2019 → 2025
EBIT margin
2.1%▼ 0.8pp
2024 · 3.0%
2019: 1.3%
2020: 0.9%
2021: 3.4%
2022: 4.4%
2023: 2.7%
2024: 3.0%
2019 → 2025
Net result
€155k▼ 15.4%
2024 · €183k
2019: €163k
2020: €41k
2021: €607k
2022: €587k
2023: €360k
2024: €183k
2019 → 2025
Working capital
€3.03M▲ 15.6%
2024 · €2.62M
2019: €2.12M
2020: €2.28M
2021: €2.64M
2022: €3.32M
2023: €3.41M
2024: €2.62M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€28.57M-€24.29M▼ 15.0%€30.77M▲ 26.7%€29.31M▼ 4.7%€27.18M▼ 7.3%
Equity€3.21M-€3.80M▲ 18.3%€3.01M▼ 20.7%€3.20M▲ 6.1%€3.35M▲ 4.8%
Operating result€970k-€1.07M▲ 10.4%€827k▼ 22.8%€867k▲ 4.9%€577k▼ 33.5%
Net result€607k-€587k▼ 3.3%€360k▼ 38.6%€183k▼ 49.2%€155k▼ 15.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 34% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €15.19M
Fixed assets
€2.51M▼ 5.3%
Current assets
€12.68M▲ 7.7%
Equity and liabilities €15.19M
Equity
€3.35M▲ 4.8%
Provisions
€519k▼ 20.0%
Debt
€11.32M▲ 7.0%
The debt ratio rises from 73.3% to 74.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1.19M▼
2024 · €1.27M
Cash flow
€769k▲
2024 · €585k
Solvency
22.1%▼
2024 · 22.2%
Current ratio
1.31▲
2024 · 1.29
Quick ratio
0.58▲
2024 · 0.46
Debt / equity
3.38▲
2024 · 3.31
ROE
4.6%▼
2024 · 5.7%
ROA
1.0%▼
2024 · 1.3%
Interest coverage
4.35▲
2024 · 3.43
Debt
€11.32M▲
2024 · €10.57M
Debt ≤ 1 year
€9.65M▲
2024 · €9.15M
Debt > 1 year
€1.29M▲
2024 · €894k
Income taxes
€127k▼
2024 · €175k
Staff costs
€2.27M▲
2024 · €2.05M
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€14.42M€15.19M▲
Fixed assets21/28€2.65M€2.51M▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€2.47M€2.33M▼
Plant, machinery and equipment23€810k€563k▼
Furniture and vehicles24€1.66M€1.11M▼
Other tangible fixed assets26€0€652k▲
Financial fixed assets28€182k€182k=
Affiliated companies280/1€181k€181k=
Participating interests280€181k€181k=
Other financial fixed assets284/8€887€887=
Amounts receivable and cash guarantees285/8€887€887=
Current assets29/58€11.77M€12.68M▲
Amounts receivable after more than one year29-€500k
Other amounts receivable291-€500k
Stocks and contracts in progress3€7.58M€7.11M▼
Stocks30/36€7.58M€7.11M▼
Goods purchased for resale34€7.58M€7.11M▼
Amounts receivable within one year40/41€3.96M€4.51M▲
Trade receivables40€1.49M€1.87M▲
Other amounts receivable41€2.47M€2.64M▲
Cash at bank and in hand54/58€138k€498k▲
Deferred charges and accrued income490/1€92k€64k▼
Equity and liabilities
Total equity and liabilities10/49€14.42M€15.19M▲
Equity10/15€3.20M€3.35M▲
Contributions10/11€106k€106k=
Capital10€106k€106k=
Issued capital100€106k€106k=
Reserves13€3.09M€3.25M▲
Non-distributable reserves130/1€11k€11k=
Legal reserve130€11k€11k=
Tax-exempt reserves132€599k€746k▲
Distributable reserves133€2.48M€2.49M▲
Provisions and deferred taxes16€649k€519k▼
Provisions for liabilities and charges160/5€649k€519k▼
Major repairs and maintenance162€649k€0▼
Other liabilities and charges164/5-€519k
Amounts payable17/49€10.57M€11.32M▲
Amounts payable after more than one year17€894k€1.29M▲
Financial debts170/4€204k€603k▲
Subordinated loans170€15k€13k▼
Credit institutions173€189k€590k▲
Other amounts payable178/9€690k€690k=
Amounts payable within one year42/48€9.15M€9.65M▲
Current portion of amounts payable after more than one year42€58k€109k▲
Financial debts43€7.62M€6.93M▼
Credit institutions430/8€7.62M€6.93M▼
Trade debts44€613k€1.50M▲
Suppliers440/4€613k€1.50M▲
Advances received on contracts in progress46€0€250▲
Taxes, remuneration and social security45€395k€779k▲
Taxes450/3€131k€409k▲
Remuneration and social security454/9€263k€370k▲
Other amounts payable47/48€463k€334k▼
Accrued charges and deferred income492/3€527k€373k▼
Income statement
Code20242025
Operating income70/76A€31.12M€28.35M▼
Turnover70€29.31M€27.18M▼
Other operating income74€1.81M€1.17M▼
Non-recurring operating income76A-€225
Operating charges60/66A€30.25M€27.78M▼
Goods for resale, raw materials and consumables60€25.36M€22.49M▼
Purchases600/8€21.23M€21.95M▲
Change in stocks: decrease (increase)609€4.13M€541k▼
Services and other goods61€2.16M€2.51M▲
Remuneration, social security and pensions62€2.05M€2.27M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€402k€614k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€8k€-70k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€8k€-130k▼
Other operating charges640/8€268k€96k▼
Operating profit (loss)9901€867k€577k▼
Financial income75/76B€9k€6k▼
Recurring financial income75€9k€6k▼
Income from current assets751€3k€5k▲
Other financial income752/9€5k€1k▼
Financial charges65/66B€519k€301k▼
Recurring financial charges65€416k€301k▼
Debt charges650€371k€274k▼
Other financial charges652/9€45k€27k▼
Non-recurring financial charges66B€103k€0▼
Profit (loss) for the period before taxes9903€358k€282k▼
Income taxes67/77€175k€127k▼
Taxes670/3€175k€128k▼
Tax adjustments and reversals of tax provisions77€272€2k▲
Profit (loss) for the period9904€183k€155k▼
Transfer from tax-exempt reserves789€140k€22k▼
Transfer to tax-exempt reserves689€211k€168k▼
Profit (loss) for the period to be appropriated9905€113k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€113k€8k▼
Transfer to equity691/2€113k€8k▼
To other reserves6921€113k€8k▼
Social balance
Average headcount (FTE)908733.437.9▲
The notes to these accounts (88 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 30 days late
2025
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
24-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-08
Financial
Highest result since 2019net €607k ▲1380%
Net result €607k, the highest in the series.
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-08
Financial
Weakest financial yearnet €41k ▼74.8%
Net result drops to €41k, the lowest in the series; recovery starts the following year.
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
02-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 32 days late
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2021
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
13-03-2021
Heuschen Antoine: Resigned as Director
13-03-2017
Catherine DEPUE: Resigned as Director
07-03-2016
Odette DEMOORTEEL: Resigned as Director
Location & real-estate footprint
Registered office, Charleroi · 2 establishment units since 1992
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.
Rue Pont-à-Migneloux 246041 CharleroiGround area
2.3 ha
Building footprint
3,597 m²
Volume, LiDAR
18,276 m³
2 parcels, Wallonia · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
BOUVY MOTOR SA
since 19922.058.550.628
BOUVY MOTOR
since 20032.136.148.648
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52502C0073/00M009 | Wallonia | 1.3 ha | 1 · 1,730 m² | 6.5 m · 2 fl. |
| 52028A0484/00E003 | Wallonia | 1.0 ha | 1 · 1,867 m² | 6.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 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 10,672 companies in sector 47811 we hold annual accounts for 5,222. 1,876 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded03-07-1992
Fiscal year end31-08
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)
47820Retail sale of motor vehicle parts and accessories
50200
50302
68310Real estate agency activities
68311Real estate activities
70311
71100
71330
77110Renting and leasing of cars and light motor vehicles
77330Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.