CAR ACTIS
ActiveThe computed 12-month bankruptcy probability of CAR ACTIS is 2.6% (moderate). The 2025 annual accounts show equity of €154k and a net result of €-18k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 30% of 10253 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
34
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability19▼-15
Solvency45▼-2
Growth52=
Track record100
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.39 against 1.46 in 2024; short-term debt: 69.6% and cash: 1.3% of total assets), and 80.3% 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.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 →
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 03-07-2026, 28 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
28 d early
2024
26 d late
2023
6 d late
2022
20 d early
2021
44 d early
2020
102 d early
2019
114 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
Turnover
€0
EBIT margin
Not included in this filing
Net result
€-18k
2024 · €7k
2019: €26k
2020: €124k
2021: €14k
2022: €-31k
2023: €14k
2024: €7k
2019 → 2025
Working capital
€211k▼ 12.8%
2024 · €242k
2019: €33k
2020: €244k
2021: €258k
2022: €211k
2023: €243k
2024: €242k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0
Equity€182k-€151k▼ 17.1%€165k▲ 9.1%€172k▲ 4.2%€154k▼ 10.5%
Operating result€25k-€-20k€38k€29k▼ 23.1%€853▼ 97.1%
Net result€14k-€-31k€14k€7k▼ 50.0%€-18k
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 97% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €783k
Fixed assets
€27k▲ 0.9%
Current assets
€756k▼ 2.1%
Equity and liabilities €783k
Equity
€154k▼ 10.5%
Debt
€629k▲ 0.3%
The debt ratio rises from 78.5% to 80.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€7k▼
2024 · €35k
Cash flow
€-12k▼
2024 · €13k
Solvency
19.7%▼
2024 · 21.5%
Current ratio
1.39▼
2024 · 1.46
Quick ratio
0.49▼
2024 · 0.79
Debt / equity
4.09▲
2024 · 3.65
ROE
-11.7%▼
2024 · 4.0%
ROA
-2.3%▼
2024 · 0.9%
Interest coverage
0.42▼
2024 · 1.75
Debt
€629k▲
2024 · €628k
Debt ≤ 1 year
€545k▲
2024 · €531k
Debt > 1 year
€84k▼
2024 · €97k
Income taxes
€2k▼
2024 · €2k
Staff costs
€56k▲
2024 · €45k
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€799k€783k▼
Fixed assets21/28€27k€27k▲
Tangible fixed assets22/27€24k€24k▲
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€13k€14k▲
Other tangible fixed assets26€9k€7k▼
Financial fixed assets28€3k€3k=
Current assets29/58€773k€756k▼
Stocks and contracts in progress3€351k€489k▲
Stocks30/36€351k€489k▲
Amounts receivable within one year40/41€363k€253k▼
Trade receivables40€296k€160k▼
Other amounts receivable41€67k€93k▲
Cash at bank and in hand54/58€56k€10k▼
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€799k€783k▼
Equity10/15€172k€154k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€151k€133k▼
Amounts payable17/49€628k€629k▲
Amounts payable after more than one year17€97k€84k▼
Financial debts170/4€97k€84k▼
Amounts payable within one year42/48€531k€545k▲
Current portion of amounts payable after more than one year42€85k€256k▲
Financial debts43€128k€128k=
Credit institutions430/8€128k€128k=
Trade debts44€131k€50k▼
Suppliers440/4€131k€50k▼
Advances received on contracts in progress46€47k€14k▼
Taxes, remuneration and social security45€70k€62k▼
Taxes450/3€58k€47k▼
Remuneration and social security454/9€12k€15k▲
Other amounts payable47/48€70k€35k▼
Income statement
Code20242025
Remuneration, social security and pensions62€45k€56k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€3k€685▼
Gross operating margin9900€83k€64k▼
Operating profit (loss)9901€29k€853▼
Financial income75/76B€84€57▼
Recurring financial income75€84€57▼
Financial charges65/66B€20k€17k▼
Recurring financial charges65€20k€17k▼
Profit (loss) for the period before taxes9903€9k€-16k▼
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€7k€-18k▼
Profit (loss) for the period to be appropriated9905€7k€-18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€151k€133k▼
Profit (loss) brought forward from the previous period14P€145k€151k▲
Social balance
Average headcount (FTE)90871.01.1▲
The notes to these accounts (9 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 26 days late
2024
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 6 days late
2023
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-31k ▼319%
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
20-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2019net €124k ▲377%
Operating result €166k, net result €124k, both a record.
31-12
Financial
Equity above €150kEq €168k ▲411%
2 profitable years in a row build equity to €168k.
08-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Jalhay · 2 establishment units since 2019
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.
Route du Moulin de Dison 1484845 JalhayGround area
5,673 m²
Building footprint
814 m²
Volume, LiDAR
5,487 m³
2 parcels, Wallonia · tallest building 12.4 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
CAR ACTIS
since 20192.288.709.258
CAR ACTIS
since 20202.306.679.103
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63038C0354/00F000 | Wallonia | 4,095 m² | 1 · 174 m² | 7.3 m · 2 fl. |
| 63027B1853/00D002 | Wallonia | 1,578 m² | 1 · 640 m² | 12.4 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.
Similar companies · same sector, comparable size
D&O MOTORS
BE 1017.254.341
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Garage Centrum
BE 0400.632.368
Zaventem · Eq €154k
Carrosserie Sterckx
BE 0435.226.726
Halle · Eq €154k
AVI Mobility
BE 0824.973.320
Willebroek · Eq €154k
GARAGE GEBROEDERS EVERAERT
BE 0416.367.253
Aalst · Eq €154k
Of 10,679 companies in sector 47811 we hold annual accounts for 5,225. 3,712 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-04-2019
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
43211General electrical installation work
43320Joinery installation
45112
45310
46180Agents specialised in the wholesale of other particular products
46720Wholesale of motor vehicle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:jean-etienne@car-actis.be
Phone:087 64 61 23