BY & CAR

Active

Private limited companyfounded 2005active for 21 yearsRue de Jemeppe 227, 4431 Ans, BelgiumKBO/BCE: BE 0871.440.575

Summary

The computed 12-month bankruptcy probability of BY & CAR is 2.0% (moderate). The 2025 annual accounts show negative equity (-€84,364) and a net result of -€177,250. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 16% of 22,576 sector peers (NACE 47, financial year 2025). The company has been active since 2005 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

BY & CARActiveChecked score 51/100

Risk analysis Report Compare

Activity

Retail sale of motor vehicle parts and accessories

NACE 47820General maintenance and repair of cars and light vans (up to 3.5 tonnes) NACE 95311

1 site

Size

€373,573total assets 2025

Staff: 4.5 FTE
Equity: -€84,364
Loss: -€177,250

Turnover not published (micro format)

Financial health

51 Fair Checked score 2025

Bankruptcy probabilitywithin 12 months: 2.0%

Structure

Nancy HeumanDirector
Bruno AUSSIGNACDirector

2025 accounts 8 days early3 of 5 deeds summarised

Why 51raises riskLoss of €177,250 (financial year 2025)Negative equity -€84,364Sector: Retail trade (NACE 47)lowers riskSize: total assets €373,573Show the evidence

Checked score

Score 2025

51 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 8% of its sector peers (NACE 47, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 2-44

equity -22.6% of total assets

Liquidity 8-6

short-term debt 121.8% · cash 6.3%

Profitability 0-82

return on assets -47.4%

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,242 companies, NACE 47, micro)

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: 0.7%▼ -0.1 percentage points vs 05-2025 07-2025: 1.0%▲ +0.3 percentage points vs 06-2025 08-2025: 0.3%▼ -0.7 percentage points vs 07-2025lowest value 09-2025: 0.3%● unchanged vs 08-2025lowest value 10-2025: 0.3%● unchanged vs 09-2025lowest value 11-2025: 0.3%● unchanged vs 10-2025lowest value 12-2025: 0.3%● unchanged vs 11-2025lowest value 01-2026: 0.3%● unchanged vs 12-2025lowest value 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.3%● unchanged vs 06-2026 08-2026: 2.0%▲ +1.7 percentage points vs 07-2026highest value 09-2026: 2.0%● unchanged vs 08-2026highest value 10-2026: 2.0%● unchanged vs 09-2026highest value

No credit on open account

Liquidity insufficient (current ratio 0.79, compared with 1.22 in 2024, below 1; short-term debt: 121.8% and cash: 6.3% of total assets), and equity is negative.

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 13% on solvency, 9% on liquidity, 6% on profitability and 3% on growth.

The bankruptcy probability was computed on 25-10-2026 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).

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Signals

Six signals.

lowers riskraises riskneutral

Loss of €177,250 (financial year 2025)

NBB · annual accounts

Size: total assets €373,573

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Negative equity -€84,364

NBB · annual accounts

Sector: Retail trade (NACE 47)

KBO

Negative equity

The 2025 annual accounts show negative equity and a net loss.

NBB · annual accounts 2025

Equity per financial year

1819202122232425

2018 to 2025 · latest year -€84,364

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

8 days early

2024

on the day

2023

16 days late

2022

30 days late

2021

153 days late

2020

11 days early

2019

20 days 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 29 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 17 August (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

26-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

23-07-2026 Annual accounts filedfinancial year 2025 · micro…
31-12-2025 Weakest financial yearnet -€177,250
30-12-2025 Appointment: Nancy Heuman (director)Gazette deed

Key points

Risk: Negative equityfinancial year 2025: debts exceed assets -€84,364 View
Caution: From profit to loss in 2025after €46,477 in 2024 -€177,250 View
Caution: Among the weakest 5% on net resultsector median €5,085 · 22,557 companies -€177,250 View

By topic

Financials

Financial year: 2025
Total assets: €373,573
Loss: -€177,250
Solvency: -22.6%

Total assets▼ 14.3%

Net result

20182025

Go to Financials

Board & ownership

Board: 2 members

Nancy HeumanDirector
Bruno AUSSIGNACDirector

Go to Board & ownership

Timeline

Events: 24
Since: 2008
Next accounts: by 31-07-2027

31-07-2025Annual accounts filed
17-03-2025Resignation: Bruno Aussignac Snr. (director)
16-08-2024Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Retail sale of motor vehicle parts and accessoriesNACE 47820
Founded: 25-01-2005
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 28

Annual meeting: First Tuesday of June at 18:00
Purpose: “La fabrication,l’achat,la vente,la réparation,la représentation et le commerce de toutes…” (deed in French)

Go to Articles of association

Key facts about BY & CAR

What is the company number of BY & CAR?: 0871.440.575. In Belgium the VAT number is the company number with BE in front: BE 0871.440.575.
Where is BY & CAR based?: The registered office is at Rue de Jemeppe 227, 4431 Ans.Company details
What does BY & CAR do?: According to the KBO register, the main activity is retail sale of motor vehicle parts and accessories (NACE 47820).
What is the legal form of BY & CAR?: Private limited company (BV).
When was BY & CAR founded?: On 25-01-2005.
Is BY & CAR still active?: Yes, BY & CAR is an active enterprise in the KBO register.
How many employees does BY & CAR have?: On average 4.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of BY & CAR?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is BY & CAR profitable?: In financial year 2025, BY & CAR made a loss of €177,250.
Where can I find the annual accounts of BY & CAR?: BY & CAR filed 19 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of BY & CAR due?: By 31-07-2027, for financial year 2026.Timeline