CAR CONCEPT
ActiveCAR CONCEPT has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42k and a net result of €9k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 23% of 2514 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability48▲+27
Solvency33▼-4
Growth52▲+20
Track record94
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.38 against 0.49 in 2024; short-term debt: 25.6% and cash: 2.5% of total assets), and 91.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← 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
8.1%
Return on assets
1.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 2514 sector peers (2025).
NBB · sector comparisonPosition among 2514 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
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. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
18 d late
2024
26 d late
2023
29 d late
2022
30 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€42k▲ 26.4%
2024 · €33k
2022: €40k
2023: €47k
2024: €33k
2022 → 2025
Total assets
€516k▲ 84.0%
2024 · €280k
2022: €130k
2023: €213k
2024: €280k
2022 → 2025
Net result
€9k
2024 · €-14k
2022: €38k
2023: €8k
2024: €-14k
2022 → 2025
Working capital
€-81k▼ 121%
2024 · €-37k
2022: €-14k
2023: €13k
2024: €-37k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€40k-€47k▲ 19.0%€33k▼ 29.6%€42k▲ 26.4%
Operating result€55k-€15k▼ 72.1%€-6k€23k
Net result€38k-€8k▼ 79.9%€-14k€9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €23k after a loss of €6k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €516k
Fixed assets
€465k▲ 89.2%
Current assets
€51k▲ 46.7%
Equity and liabilities €516k
Equity
€42k▲ 26.4%
Debt
€474k▲ 91.7%
The debt ratio rises from 88.2% to 91.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€45k▲
2024 · €8k
Cash flow
€32k▲
2024 · €-89
Solvency
8.1%▼
2024 · 11.8%
Current ratio
0.38▼
2024 · 0.49
Quick ratio
0.34▼
2024 · 0.43
Debt / equity
11.29▲
2024 · 7.45
ROE
20.9%▲
2024 · -42.0%
ROA
1.7%▲
2024 · -5.0%
Interest coverage
3.29▲
2024 · 0.99
Debt
€474k▲
2024 · €247k
Debt ≤ 1 year
€132k▲
2024 · €71k
Debt > 1 year
€342k▲
2024 · €176k
Income taxes
€0
Staff costs
€7k▼
2024 · €25k
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€280k€516k▲
Fixed assets21/28€246k€465k▲
Intangible fixed assets21€24k€19k▼
Tangible fixed assets22/27€221k€445k▲
Land and buildings22€215k€366k▲
Plant, machinery and equipment23€857€79k▲
Furniture and vehicles24€5k€0▼
Financial fixed assets28€295€295=
Current assets29/58€35k€51k▲
Stocks and contracts in progress3€4k€6k▲
Stocks30/36€4k€6k▲
Amounts receivable within one year40/41€25k€31k▲
Trade receivables40€25k€31k▲
Other amounts receivable41€475€9▼
Cash at bank and in hand54/58€5k€13k▲
Deferred charges and accrued income490/1€592-
Equity and liabilities
Total equity and liabilities10/49€280k€516k▲
Equity10/15€33k€42k▲
Contributions10/11€2k€2k=
Reserves13€45k€45k=
Distributable reserves133€45k€45k=
Profit (loss) carried forward14€-14k€-5k▲
Amounts payable17/49€247k€474k▲
Amounts payable after more than one year17€176k€342k▲
Financial debts170/4€176k€342k▲
Amounts payable within one year42/48€71k€132k▲
Current portion of amounts payable after more than one year42€17k€27k▲
Financial debts43€2k-
Credit institutions430/8€2k-
Trade debts44€16k€38k▲
Suppliers440/4€16k€38k▲
Taxes, remuneration and social security45€8k€11k▲
Taxes450/3€6k€6k▲
Remuneration and social security454/9€3k€5k▲
Other amounts payable47/48€28k€56k▲
Income statement
Code20242025
Remuneration, social security and pensions62€25k€7k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€23k▲
Other operating charges640/8€3k€789▼
Gross operating margin9900€36k€53k▲
Operating profit (loss)9901€-6k€23k▲
Financial income75/76B-€31
Recurring financial income75-€31
Financial charges65/66B€8k€14k▲
Recurring financial charges65€8k€14k▲
Profit (loss) for the period before taxes9903€-14k€9k▲
Income taxes67/77-€0
Profit (loss) for the period9904€-14k€9k▲
Profit (loss) for the period to be appropriated9905€-14k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€-5k▲
Profit (loss) brought forward from the previous period14P-€-14k
The notes to these accounts (10 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Weakest financial yearnet €-14k ▼285%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Clavier · 1 establishment unit since 2021
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 Val 3C4560 ClavierGround area
2,475 m²
Building footprint
79 m²
Volume, LiDAR
649 m³
Parcel 61012I0062/00R000, Wallonia · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CAR CONCEPT
since 20212.321.179.712
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61012I0062/00R000 | Wallonia | 2,475 m² | 1 · 79 m² | 9.5 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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A S I
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Of 1,877 companies in sector 95314 we hold annual accounts for 847. 599 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-08-2021
Fiscal year end31-12
Activities, NACEBEL
45204
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95314Bodywork repair (including spraying and painting)
45310
47820Retail sale of motor vehicle parts and accessories
46720Wholesale of motor vehicle parts and accessories
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:carconcept@car-concept.be