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CAR EXCELLENCE

Active
Private limited companyfounded 200916 yrs activeRue du Progrès 7, 1400 Nivelles, BelgiumKBO/BCE: BE 0820.048.985
Summary

CAR EXCELLENCE has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €497,429 and a net result of €82,119. Equity is growing by ~21.1% per year across the filed fiscal years. Its solvency ranks better than 88% of 20110 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
CAR EXCELLENCEActiveChecked score 97/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811NACE 45113Washing and cleaning of motor vehicles NACE 95316
2 sites
Size
€613,995total assets 2025
Staff
1 FTE
Equity
€497,429
Profit
€82,119
Financial health
97 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts 21 d early0 of 8 deeds read
Why 97+ Liquidity: current ratio 12.42, cash €123,893+ Equity €497,429 (81.0% of total assets)+ Founded in 2009+ Figures for FY 2025 (filed 10-07-2026)Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Better than 75% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 81.0% of total assets
Liquidity 75+2
short-term debt 8.0% · cash 20.2%
Profitability 71+12
return on assets 13.4%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (39,919 companies)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%● 0.0% vs 12-2024 02-2025: 0.2%▼ -2.4% vs 01-2025 03-2025: 0.2%● 0.0% vs 02-2025 04-2025: 0.2%▲ +16.1% vs 03-2025 05-2025: 0.2%▼ -2.1% vs 04-2025 06-2025: 0.2%▼ -3.3% vs 05-2025 07-2025: 0.3%▲ +60.5% vs 06-2025highest value 08-2025: 0.1%▼ -75.0% vs 07-2025 09-2025: 0.1%● 0.0% vs 08-2025 10-2025: 0.1%▼ -2.8% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%● 0.0% vs 12-2025 02-2026: 0.1%▲ +5.8% vs 01-2026 03-2026: 0.1%● 0.0% vs 02-2026 04-2026: 0.1%▲ +16.4% vs 03-2026 05-2026: 0.1%▼ -2.4% vs 04-2026 06-2026: 0.1%● 0.0% vs 05-2026 07-2026: 0.1%▲ +10.8% vs 06-2026 08-2026: < 0.1%▼ -53.3% vs 07-2026lowest value 09-2026: < 0.1%● 0.0% vs 08-2026lowest value 10-2026: < 0.1%● 0.0% vs 09-2026lowest value
  • Liquidity: current ratio 12.42, cash €123,893 lowers the probability
  • Equity €497,429 (81.0% of total assets) lowers the probability
  • Founded in 2009 lowers the probability for this profile
  • Figures for FY 2025 (filed 10-07-2026) lowers the probability
Credit up to €45,000 at 30 days acceptable
Liquidity ample (current ratio 12.42 against 13.55 in 2024; short-term debt: 8% and cash: 20.2% of total assets), and 19% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 92%, liquidity 81%, profitability 53%, growth against the median 72%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Liquidity: current ratio 12.42, cash €123,893
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €497,429 (81.0% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 2009
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Figures for FY 2025 (filed 10-07-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
21 d early
2024
17 d early
2023
32 d early
2022
18 d early
2021
23 d early
2020
24 d early
2019
4 d early
← 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 20 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 10 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Liquidity quadruplescurrent ratio 13.55

Key points

  • Positive: Among the best 5% on equitysector median €41,999 · 20,145 companies €497,429 View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Positive: 8 profitable years in a rowprofit 2025: €82,119 8 years View

By topic

Financials

Fiscal year
2025
Total assets
€613,995
Profit
€82,119
Solvency
81.0%
Total assets▲ 12.9%
Net result
20182025
Go to Financials

Timeline

Events
15
Since
2017
Next accounts
by 31-07-2027
  1. 10-07-2026Annual accounts filed
  2. 14-07-2025Annual accounts filed
  3. 31-12-2024Liquidity quadruples
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Retail sale of cars and light vans (up…NACE 47811
Founded
22-10-2009
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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