BY & CAR
The computed 12-month bankruptcy probability of BY & CAR is 0.7% (low). The 2024 annual accounts show equity of €93k and a net result of €46k. Equity is growing by ~45% per year across the filed fiscal years. Its solvency ranks better than 51% of 6697 sector peers (fiscal year 2024). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €93k |
| Net result | €46k |
| Staff (FTE) | 1.8 |
| Better than sector | 51% |
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
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The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 21.3% | 20.4% | |
| Net result | €46k | €4k | |
| Equity | €93k | €16k | |
| Gross operating margin | €165k | €24k | |
| Staff costs | €72k | €33k |
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €84k |
| Net profit | €46k |
| Cash flow | €57k |
| Staff costs | €72k |
| Income taxes | €21k |
| Dividends | - |
| Total assets | €436k |
| Equity | €93k |
| Debt | €343k |
| of which ≤ 1y | €343k |
| of which > 1y | - |
| Working capital | €77k |
| Employees (FTE) | 1.8 |
| 2024 | |
|---|---|
| Current ratio | 1.22 |
| Quick ratio | 0.25 |
| Working capital ratio | 17.7% |
| Solvency | 21.3% |
| Debt / equity | 3.69 |
| Long-term debt ratio | - |
| Interest coverage | 13.75 |
| Gross margin | - |
| Net margin | - |
| ROA | 10.7% |
| ROE | 50.0% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €436k |
| Fixed assets | 21/28 | €16k |
| Tangible fixed assets | 22/27 | €16k |
| Current assets | 29/58 | €420k |
| Stocks & contracts in progress | 3 | €335k |
| Amounts receivable within one year | 40/41 | €56k |
| Cash & bank | 54/58 | €23k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €436k |
| Equity | 10/15 | €93k |
| Contributions / capital | 10/11 | €19k |
| Accumulated profits (losses) | 14 | €74k |
| Amounts payable | 17/49 | €343k |
| Amounts payable within one year | 42/48 | €343k |
| Trade debts payable within one year | 44 | €87k |
| Income statement | ||
| Gross operating margin | 9900 | €165k |
| Operating result | 9901 | €73k |
| Financial income | 75 | €69 |
| Financial charges | 65 | €6k |
| Result before taxes | 9903 | €67k |
| Income taxes | 67/77 | €21k |
| Net result for the period | 9904 | €46k |
| Result to be appropriated | 9905 | €46k |
-
Current01-08-2025 → present
-
Current24-04-2015 → present
2 events
- 19-01-2024 Mandate renewed· Director
- 24-04-2015 Appointed· Managing director
Historic, not recently confirmed (1)
-
Not recently confirmedlast confirmed in an act from 2019
Former directors (2)
-
Former- → 31-10-2024
-
Former- → 24-04-2015
| NACE primary | Detailhandel in onderdelen en accessoires van motorvoertuigen(47820) |
| Legal form | Private limited company(610) |
| Incorporation | 25-01-2005 |
| Status | Active |
| Postal code | 4431 |
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62066B0250/02K000 | Wallonia | 1,499 m² | 1 · 755 m² | 6.4 m · 2 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
30-12-2025 Nancy Heuman appointed as manager
- Nancy Heuman, Zaakvoerder
Technical details
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"role": "zaakvoerder",
"person": {
"rrn": null,
"name": "Nancy Heuman",
"address": null,
"birth_date": null
},
"effective_date": "2025-08-01",
"evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cide de nommer au poste d\u0027administrateur Madame Nancy Heuman."
}
],
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"subject_company": {
"kbo": "0871.440.575",
"name_full": "BY \u0026 CAR",
"legal_form": "SRL"
}
}17-03-2025 Bruno Aussignac Snr. resigns as director
- Bruno Aussignac Snr., Bestuurder
Technical details
{
"events": [
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Bruno Aussignac Snr.",
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},
"effective_date": "2024-10-31",
"evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cide de d\u00E9missionner Monsieur Bruno Aussignac Snr., domicili\u00E9 rue longue 3 \u00E0 4430 Ans, de son poste d\u0027administrateur avec effet r\u00E9troactif au 31/10/2024."
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}19-01-2024 Bruno AUSSIGNAC reappointed as director
- Bruno AUSSIGNAC, Bestuurder
Technical details
{
"events": [
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"kind": "director_renew",
"role": "bestuurder",
"person": {
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"name": "Bruno AUSSIGNAC",
"address": null,
"birth_date": null
},
"evidence_quote": "Est renouvel\u00E9 \u00E0 la fonction d\u2019administrateur non statutaire pour une dur\u00E9e illimit\u00E9e, fonction qu\u2019il exer\u00E7ait pr\u00E9alablement sous l\u2019appellation de g\u00E9rant : Monsieur Bruno AUSSIGNAC pr\u00E9nomm\u00E9."
}
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}15-03-2019 Bruno Aussignac Jr. appointed as manager
- Bruno Aussignac Jr., Zaakvoerder
Technical details
{
"events": [
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"kind": "director_in",
"role": "zaakvoerder",
"person": {
"rrn": null,
"name": "Bruno Aussignac Jr.",
"address": null,
"birth_date": null
},
"effective_date": "2019-01-01",
"evidence_quote": "L\u0027assembl\u00E9e d\u00E9cide, \u00E0 l\u0027unanimit\u00E9, de nommer au poste de g\u00E9rant pour une dur\u00E9e ind\u00E9termin\u00E9e Monsieur Bruno Aussignac Jr., domicili\u00E9 rue Jean-Louis Adam 12 \u00E0 4400 Mons-Lez-Li\u00E8ge. Son mandat d\u00E9butera le 1er janvier 2019 et sera r\u00E9mun\u00E9r\u00E9 suivant d\u00E9cision de l\u0027assembl\u00E9e g\u00E9n\u00E9rale. Celui-ci accepte."
}
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}17-06-2015 1 director appointed, 1 resigning
- AUSSIGNAC Bruno, Gedelegeerd bestuurder
- HACHICHA Lilia, Gedelegeerd bestuurder
Technical details
{
"events": [
{
"kind": "director_out",
"role": "gedelegeerd_bestuurder",
"person": {
"rrn": null,
"name": "HACHICHA Lilia",
"address": null,
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},
"effective_date": "2015-04-24",
"evidence_quote": "L\u0027assembl\u00E9e d\u00E9cide d\u0027acter la d\u00E9mission de Madame HACHICHA Lilia depuis le 24 avril 2015 en tant que g\u00E9rante et lui donne d\u00E9charge de son mandat.",
"discharge_granted": true
},
{
"kind": "director_in",
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"person": {
"rrn": null,
"name": "AUSSIGNAC Bruno",
"address": null,
"birth_date": null
},
"effective_date": "2015-04-24",
"evidence_quote": "L\u0027associ\u00E9 unique d\u00E9cide de nommer Monsieur AUSSIGNAC Bruno, pr\u00E9cit\u00E9, domicili\u00E9 \u00E0 Ans, Rue Longue, 3, comme g\u00E9rant de la soci\u00E9t\u00E9 depuis le 24 avril 2015."
}
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}
}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameFR | BY & CAR |