Skip to content

CAR CONCEPT

Active
Private limited companyfounded 2021active for 5 yearsRoute du Val 3C, 4560 Clavier, BelgiumKBO/BCE: BE 0772.812.955
Summary

The computed 12-month bankruptcy probability of CAR CONCEPT is 1.8% (moderate). The 2025 annual accounts show equity of €41,971 and a net result of €8,776. Equity has been stable since 2022 (±1.9% per year). Its solvency ranks better than 23% of 3,308 sector peers (NACE 95, financial year 2025). The company has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 24-08-2021 Normal situation
Activity
Bodywork repair (including spraying and painting) NACE 95314and 4 others
Joint committee
112 Paritair Comité voor het garagebedrijf · annual accounts 2023
Establishment unit
2.321.179.712 4560 Clavier, since 24-08-2021
Financial year end
31 December
Peppol
Reachable since 29-12-2025

Board and ownership

Board
  • Fabrice CHARLIERDirector · since 24-08-2021

Financial position

54 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.8%
Annual accounts 2025
Gross margin
€53,352
▲ 48.3%
Turnover
≈ €130,000
estimated
Profit
€8,776
Equity
€41,971
▲ 26.4%
Total assets
€515,787
▲ 84.0%
Employees on 31-12-2025
1
=
  • 2025 accounts filed 18 days after the deadline
Score breakdownraises risk1 change of registered office in 24 monthsFounded in 2021lowers riskSize: total assets €515,787Figures for financial year 2025 (filed on 18-08-2026)Show the evidence

Checked score

Score 2025
54 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 40% of micro companies in repair of computers and personal goods (NACE 95)
Financial strength · tick: 2024
Weak
Solvency 33-4
equity 8.1% of total assets
Liquidity 43=
short-term debt 25.6% · cash 2.5%
Profitability 48+27
return on assets 1.7%
Bankruptcy probability within 12 months
1.8% Moderate
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.5% (5,128 companies, NACE 95, micro)
Last 24 months 12-2024: 1.9% 01-2025: 1.9%● unchanged vs 12-2024 02-2025: 1.9%● unchanged vs 01-2025 03-2025: 1.9%● unchanged vs 02-2025 04-2025: 2.0%▲ +0.1 percentage points vs 03-2025 05-2025: 1.7%▼ -0.3 percentage points vs 04-2025lowest value 06-2025: 1.7%● unchanged vs 05-2025 07-2025: 1.8%▲ +0.1 percentage points vs 06-2025 08-2025: 2.2%▲ +0.4 percentage points vs 07-2025 09-2025: 1.8%▼ -0.4 percentage points vs 08-2025 10-2025: 1.8%● unchanged vs 09-2025 11-2025: 1.8%● unchanged vs 10-2025 12-2025: 1.8%● unchanged vs 11-2025 01-2026: 1.8%● unchanged vs 12-2025 02-2026: 1.9%▲ +0.1 percentage points vs 01-2026 03-2026: 2.9%▲ +1.0 percentage point vs 02-2026 04-2026: 3.3%▲ +0.4 percentage points vs 03-2026 05-2026: 4.1%▲ +0.8 percentage points vs 04-2026 06-2026: 4.2%▲ +0.1 percentage points vs 05-2026 07-2026: 4.1%▼ -0.1 percentage points vs 06-2026 08-2026: 4.6%▲ +0.5 percentage points vs 07-2026highest value 09-2026: 1.8%▼ -2.8 percentage points vs 08-2026 10-2026: 1.8%● unchanged vs 09-2026 11-2026: 1.8%● unchanged vs 10-2026
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.38 (0.49 in 2024), below 1. Short-term debt is 25.6% and cash 2.5% of total assets. 91.9% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 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 95, micro). It does better than 22% of them on solvency, 36% on liquidity, 27% on profitability and 74% on growth.

The bankruptcy probability was computed on 04-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
raises risk · Founded in 2021
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Size: total assets €515,787
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 18-08-2026)
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 3308 sector peers (2025).
NBB · sector comparison
Position among 3308 sector peers
Solvency
better than 23%
← weakest strongest →
raises risk · 2025 accounts filed 18 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 4 filings
Deviation from the deadline
2025
18 days late
2024
26 days late
2023
29 days late
2022
30 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 4 accounts on average 26 days after the deadline. In the sector (NACE 95), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · 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 28 August (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Recent changes

  1. · Gazette deed Registered office moved within ClavierNew seat: Route du Val 3C, 4560 Clavier · Previous seat: Carrefour Devillers 5 à 4560 CLAVIER · Registered office clause: Carrefour Devillers 5 à 4560 CLAVIER
  2. · Gazette deed Incorporation
All 8 events

Comparable companies

These companies have the same main activity as CAR CONCEPT: bodywork repair (including spraying and painting) (NACE 95314). They are comparable in size and age: total assets between €443,000 and €679,000, founded between 2019 and 2023.

CompanyTotal assetsGross margin
CAR CONCEPT Clavier€515,787€53,352
MAGIC DSP Tournai€443,473€48,480
IMMO BPC Herstal€468,906€121,994
MJ CARROSSERIE Les Bons Villers€523,974€77,035
MRK INVEST Mons€678,994€46,395
QM DEVELOPMENTS Wevelgem€450,850€72,373
All Cars Oudenaarde Kruisem€496,480€101,954
Full comparison

Key facts about CAR CONCEPT

What is the company number of CAR CONCEPT?
The company number of CAR CONCEPT is 0772.812.955. The VAT number is the same number with BE in front: BE 0772.812.955.
Where is CAR CONCEPT based?
The registered office is at Route du Val 3C, 4560 Clavier.Company details
What does CAR CONCEPT do?
According to the KBO register, the main activity is bodywork repair (including spraying and painting) (NACE 95314).
What is the legal form of CAR CONCEPT?
The legal form of CAR CONCEPT is Private limited company (BV).
When was CAR CONCEPT founded?
CAR CONCEPT was founded on 24-08-2021.
Is CAR CONCEPT still active?
Yes, CAR CONCEPT is an active enterprise in the KBO register.
How many employees does CAR CONCEPT have?
CAR CONCEPT had an average of 0.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does CAR CONCEPT fall under?
In its 2023 annual accounts, CAR CONCEPT states joint committee 112 (Paritair Comité voor het garagebedrijf).
What is the turnover of CAR CONCEPT?
The turnover in financial year 2025 is ≈ €130,000. This figure is estimated from the gross margin of €53,352 and 33 comparable companies (NACE 953). It probably lies between €97,000 and €180,000.
Is CAR CONCEPT profitable?
In financial year 2025, CAR CONCEPT made a profit of €8,776.
Where can I find the annual accounts of CAR CONCEPT?
CAR CONCEPT filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of CAR CONCEPT due?
CAR CONCEPT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

See how customers, suppliers and banks see your own company and what to improve first.

Keep this company with today's facts in a case file.