CAR EXCEPTION
ActiveSummary
CAR EXCEPTION has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €241,021 and a net result of €58,584. Equity is growing by ~35.2% per year across the filed fiscal years. Its solvency ranks better than 72% of 11389 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability90▼-10
Solvency94▲+5
Growth68=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20,000 at 30 days acceptable
Liquidity ample (current ratio 3.0 against 2.58 in 2024; short-term debt: 31% and cash: 24.2% of total assets), and 31% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
69%
Return on assets
16.8%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 10 filingsDeviation from the deadline
2025
29 d late
2024
26 d late
2023
on the day
2022
18 d late
2021
26 d late
2020
18 d late
2019
54 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€171,953▼ 7.0%
2022 · €184,958
EBIT margin
21.7%▲ 8.7pp
2022 · 13.0%
Net result
€58,584▼ 51.1%
2024 · €119,705
Working capital
€216,541▲ 32.4%
2024 · €163,552
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€156,546€184,958▲ 18.1%€171,953▼ 7.0%
Operating result€25,836▲ 185%€24,063▼ 6.9%€37,361▲ 55.3%€176,796▲ 373%€90,095▼ 49.0%
Net result€18,507▲ 424%€16,608▼ 10.3%€21,989▲ 32.4%€119,705▲ 444%€58,584▼ 51.1%
EBIT margin16.5%13.0%▼ 3.5pp21.7%▲ 8.7pp
Equity€34,135▲ 33.2%€40,743▲ 19.4%€62,732▲ 54.0%€182,437▲ 191%€241,021▲ 32.1%
Total assets€62,045▼ 5.2%€95,904▲ 54.6%€101,404▲ 5.7%€285,865▲ 182%€349,302▲ 22.2%
Debt€27,911▼ 30.0%€55,161▲ 97.6%€38,672▼ 29.9%€103,428▲ 167%€108,281▲ 4.7%
Working capital€32,682▲ 27.1%€29,527▼ 9.7%€45,080▲ 52.7%€163,552▲ 263%€216,541▲ 32.4%
Staff (FTE)
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 49% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €349,302
Fixed assets
€24,480 ▲ 29.6%
Current assets
€324,821 ▲ 21.7%
Equity and liabilities €349,302
Equity
€241,021 ▲ 32.1%
Debt
€108,281 ▲ 4.7%
Debt's share of the balance-sheet total falls from 36.2% to 31.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€100,166▼
2024 · €185,990
Cash flow
€68,655▼
2024 · €128,898
Current ratio
3.00▲
2024 · 2.58
Quick ratio
0.97▼
2024 · 1.13
Debt to equity
0.45▼
2024 · 0.57
ROE
24.3%▼
2024 · 65.6%
ROA
16.8%▼
2024 · 41.9%
Interest coverage
134.97▼
2024 · 905.98
Debt ≤ 1 year
€108,281▲
2024 · €103,428
Income taxes
€30,862▼
2024 · €56,942
Staff costs
€400▼
2024 · €747
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €156,546 | €184,958 | €171,953 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €128,218 | €154,661 | €127,317 | - | - | - |
| Remuneration, social security and pensions62 | €595 | €893 | €355 | €747 | €400 | ▼ 46.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,300 | €5,544 | €5,531 | €9,193 | €10,071 | ▲ 9.6% |
| Other operating charges640/8 | €652 | €599 | €689 | €79 | €2,521 | ▲ 3,086% |
| Non-recurring operating charges66A | - | - | €913 | €2,200 | - | - |
| Gross operating margin9900 | €28,383 | €31,099 | €44,848 | €189,016 | €103,087 | ▼ 45.5% |
| Operating profit (loss)9901 | €25,836 | €24,063 | €37,361 | €176,796 | €90,095 | ▼ 49.0% |
| Financial income75/76B | €1 | €57 | €0 | €56 | €94 | ▲ 68.4% |
| Recurring financial income75 | €1 | €57 | €0 | €56 | €94 | ▲ 68.4% |
| Financial charges65/66B | €184 | €406 | €416 | €205 | €742 | ▲ 261% |
| Recurring financial charges65 | €184 | €406 | €416 | €205 | €742 | ▲ 261% |
| Profit (loss) for the period before taxes9903 | €25,653 | €23,714 | €36,945 | €176,647 | €89,447 | ▼ 49.4% |
| Income taxes67/77 | €7,146 | €7,107 | €14,956 | €56,942 | €30,862 | ▼ 45.8% |
| Profit (loss) for the period9904 | €18,507 | €16,608 | €21,989 | €119,705 | €58,584 | ▼ 51.1% |
| Profit (loss) for the period to be appropriated9905 | €18,507 | €16,608 | €21,989 | €119,705 | €58,584 | ▼ 51.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €62,045 | €95,904 | €101,404 | €285,865 | €349,302 | ▲ 22.2% |
| Fixed assets21/28 | €1,453 | €21,729 | €17,652 | €18,885 | €24,480 | ▲ 29.6% |
| Tangible fixed assets22/27 | €1,300 | €21,576 | €17,500 | €18,885 | €24,480 | ▲ 29.6% |
| Plant, machinery and equipment23 | - | - | - | - | €3,326 | - |
| Furniture and vehicles24 | €1,300 | €21,576 | €17,500 | €18,885 | €21,154 | ▲ 12.0% |
| Financial fixed assets28 | €153 | €153 | €153 | €0 | - | - |
| Current assets29/58 | €60,592 | €74,175 | €83,751 | €266,980 | €324,821 | ▲ 21.7% |
| Stocks and contracts in progress3 | - | - | - | €150,010 | €219,602 | ▲ 46.4% |
| Stocks30/36 | - | - | - | €150,010 | €219,602 | ▲ 46.4% |
| Amounts receivable within one year40/41 | €23,928 | €27,422 | €33,818 | €8,634 | €20,749 | ▲ 140% |
| Trade receivables40 | €23,846 | €26,608 | €33,165 | €8,634 | €8,634 | = |
| Other amounts receivable41 | €82 | €814 | €652 | - | €12,115 | - |
| Cash at bank and in hand54/58 | €36,509 | €46,753 | €48,827 | €107,022 | €84,471 | ▼ 21.1% |
| Deferred charges and accrued income490/1 | €155 | - | €1,107 | €1,314 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €62,045 | €95,904 | €101,404 | €285,865 | €349,302 | ▲ 22.2% |
| Equity10/15 | €34,135 | €40,743 | €62,732 | €182,437 | €241,021 | ▲ 32.1% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €92,769 | €151,353 | ▲ 63.2% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Other1319 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | - | - | €90,909 | €149,493 | ▲ 64.4% |
| Profit (loss) carried forward14 | €26,075 | €32,683 | €54,672 | €83,468 | €83,468 | = |
| Amounts payable17/49 | €27,911 | €55,161 | €38,672 | €103,428 | €108,281 | ▲ 4.7% |
| Amounts payable after more than one year17 | - | €1,993 | - | - | - | - |
| Financial debts170/4 | - | €1,993 | - | - | - | - |
| Amounts payable within one year42/48 | €27,911 | €44,648 | €38,672 | €103,428 | €108,281 | ▲ 4.7% |
| Current portion of amounts payable after more than one year42 | €2,829 | €3,181 | €1,993 | - | - | - |
| Trade debts44 | €395 | €8,909 | €12,355 | €4,429 | €6,154 | ▲ 39.0% |
| Suppliers440/4 | €395 | €8,909 | €12,355 | €4,429 | €6,154 | ▲ 39.0% |
| Advances received on contracts in progress46 | - | - | - | €26,000 | €1,000 | ▼ 96.2% |
| Taxes, remuneration and social security45 | €12,682 | €18,790 | €18,678 | €65,003 | €93,545 | ▲ 43.9% |
| Taxes450/3 | €12,682 | €18,790 | €18,678 | €65,003 | €93,545 | ▲ 43.9% |
| Other amounts payable47/48 | €12,005 | €13,767 | €5,645 | €7,997 | €7,581 | ▼ 5.2% |
| Accrued charges and deferred income492/3 | - | €8,520 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18,507 | €16,608 | €21,989 | €119,705 | €58,584 | ▼ 51.1% |
| + Depreciation and write-downs630 | €1,300 | €5,544 | €5,531 | €9,193 | €10,071 | ▲ 9.6% |
| Operating cash flow (approximation) | €19,806 | €22,152 | €27,520 | €128,898 | €68,655 | ▼ 46.7% |
| Investment in fixed assets (approximation) | - | -€25,820 | -€1,454 | -€10,426 | -€15,667 | ▼ 50.3% |
| Change in cash | - | €10,244 | €2,074 | €58,195 | -€22,551 | ▼ 139% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
31-12
Financial
Equity above €200,000Eq €241,021 ▲32.1%
8 profitable years in a row build equity to €241,021.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Highest result since 2018net €119,705 ▲444%
Operating result €176,796, net result €119,705, both a record.
31-12
Financial
Equity above €150,000Eq €182,437 ▲191%
7 profitable years in a row build equity to €182,437.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
31-12
Financial
Weakest financial yearnet €3,531 ▼78%
Net result drops to €3,531, the lowest in the series; recovery starts the following year.
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 54 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Zaventem · 1 establishment unit since 2009
Ground area
790 m²
Building footprint
227 m²
Volume, LiDAR
1,492 m³
2 parcels, Flanders, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
662
companies at this address
See who is registered here
1 establishment unit
Rue des Trois Coulons (C.) 75, 7000 Mons
since 20092.179.230.209
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23078A0472/00L000 | Flanders | 461 m² | 1 · 192 m² | 10.8 m · 3 fl. |
| 53019D0049/00D004 | Wallonia | 328 m² | 1 · 35 m² | - |
Linked by address, not proof of ownership
Good to know
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
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HANA TRADING
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D.E.G. CARS
BE 0463.378.797
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VDK CARROSSERIE
BE 0733.738.781
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Of 2,129 companies in sector 46711 we hold annual accounts for 1,128. 738 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-01-2009
Fiscal year end31-12
Activities, NACEBEL 2025
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46712Wholesale trade
47812Retail trade
46180Agents specialised in the wholesale of other particular products
81230Other cleaning activities
Contact
E-mail
srlcarexception@gmail.com
Scores and ratios are computed by Checked and are not a credit decision.