CARSONLINE
ActiveCARSONLINE has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €726k and a net result of €17k. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 77% of 11165 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
78
/ 100
Excellent▼ -3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▼-18
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 14.86 against 7.1 in 2024), and 25.1% 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.
−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
74.9%
Return on assets
1.8%
Age of the figures
11 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
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 22-04-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
7 d early
2023
4 d early
2022
12 d early
2021
1 d early
2020
4 d early
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€726k▼ 1.6%
2024 · €738k
2018: €509k
2019: €577k
2020: €641k
2021: €684k
2022: €648k
2023: €693k
2024: €738k
2018 → 2025
Total assets
€969k▼ 6.7%
2024 · €1.04M
2018: €763k
2019: €767k
2020: €836k
2021: €908k
2022: €813k
2023: €946k
2024: €1.04M
2018 → 2025
Net result
€17k▼ 61.2%
2024 · €44k
2018: €24k
2019: €68k
2020: €64k
2021: €68k
2022: €-36k
2023: €46k
2024: €44k
2018 → 2025
Working capital
€742k▲ 0.3%
2024 · €740k
2018: €430k
2019: €481k
2020: €530k
2021: €580k
2022: €535k
2023: €692k
2024: €740k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€684k-€648k▼ 5.3%€693k▲ 7.0%€738k▲ 6.4%€726k▼ 1.6%
Operating result€105k-€-32k€65k€78k▲ 20.0%€39k▼ 49.8%
Net result€68k-€-36k€46k€44k▼ 2.8%€17k▼ 61.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 50% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €969k
Fixed assets
€173k▼ 2.3%
Current assets
€796k▼ 7.6%
Equity and liabilities €969k
Equity
€726k▼ 1.6%
Provisions
€35k▲ 40.4%
Debt
€208k▼ 24.7%
The debt ratio falls from 26.5% to 21.4%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€43k▼
2024 · €82k
Cash flow
€21k▼
2024 · €48k
Solvency
74.9%▲
2024 · 71.0%
Current ratio
14.86▲
2024 · 7.10
Quick ratio
1.56▲
2024 · 0.86
Debt / equity
0.29▼
2024 · 0.37
ROE
2.4%▼
2024 · 6.0%
ROA
1.8%▼
2024 · 4.3%
Interest coverage
2.95▼
2024 · 5.06
Debt
€208k▼
2024 · €276k
Debt ≤ 1 year
€54k▼
2024 · €121k
Debt > 1 year
€140k=
2024 · €140k
Income taxes
€7k▼
2024 · €17k
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€1.04M€969k▼
Fixed assets21/28€177k€173k▼
Tangible fixed assets22/27€177k€173k▼
Land and buildings22€177k€173k▼
Current assets29/58€862k€796k▼
Stocks and contracts in progress3€758k€712k▼
Stocks30/36€758k€712k▼
Amounts receivable within one year40/41€94k€43k▼
Trade receivables40€82k€24k▼
Other amounts receivable41€12k€20k▲
Cash at bank and in hand54/58€5k€36k▲
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€1.04M€969k▼
Equity10/15€738k€726k▼
Contributions10/11€50k€50k=
Reserves13€688k€676k▼
Distributable reserves133€688k€676k▼
Provisions and deferred taxes16€25k€35k▲
Provisions for liabilities and charges160/5€25k€35k▲
Environmental obligations163€25k€35k▲
Amounts payable17/49€276k€208k▼
Amounts payable after more than one year17€140k€140k=
Financial debts170/4€140k€140k=
Amounts payable within one year42/48€121k€54k▼
Trade debts44€62k€15k▼
Suppliers440/4€62k€15k▼
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€2k▼
Other amounts payable47/48€55k€37k▼
Accrued charges and deferred income492/3€14k€14k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k=
Provisions for liabilities and charges: additions (uses and reversals)635/8€5k€10k▲
Other operating charges640/8€5k€4k▼
Gross operating margin9900€92k€58k▼
Operating profit (loss)9901€78k€39k▼
Financial income75/76B€1€5▲
Recurring financial income75€1€5▲
Financial charges65/66B€16k€15k▼
Recurring financial charges65€16k€15k▼
Profit (loss) for the period before taxes9903€62k€24k▼
Income taxes67/77€17k€7k▼
Profit (loss) for the period9904€44k€17k▼
Profit (loss) for the period to be appropriated9905€44k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€44k€17k▼
Transfer from equity791/2-€29k
Transfer to equity691/2€44k€17k▼
To other reserves6921€44k€17k▼
Profit to be distributed694/7-€29k
Return on contributions (dividend)694-€29k
The notes to these accounts (5 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
22-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Liquidity doublescurrent ratio 14.86
Current ratio from 7.10 to 14.86; short-term debt falls from €121k to €54k.
23-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Back to profitnet €46k
Net result €46k after one loss-making year.
18-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Weakest financial yearnet €-36k ▼153%
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Highest result since 2018net €68k ▲5.8%
Net result €68k, the highest in the series.
26-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
28-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
17-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 17 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, Haaltert · 2 establishment units since 2009
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.
Muisstraat(HA) 669450 HaaltertGround area
2,339 m²
Building footprint
283 m²
Volume, LiDAR
1,758 m³
2 parcels, Flanders · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
CARSONLINE
since 20092.183.248.086
CARSONLINE BVBA
since 20142.234.130.229
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41016B0471/00L000 | Flanders | 1,475 m² | 1 · 159 m² | 10.6 m · 1 fl. |
| 41024B0185/00H000 | Flanders | 864 m² | 1 · 125 m² | 10.9 m · 3 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
BERLONY
BE 0422.207.148
Zulte · Eq €724k
EURO - TENLIGHT
BE 0447.967.675
Sint-Pieters-Leeuw · Eq €721k
M-PACKAGING
BE 0758.939.777
Wuustwezel · Eq €732k
MEDILOR
BE 0436.207.713
Ellezelles · Eq €735k
CORTES SALES
BE 0694.789.719
Heist-op-den-Berg · Eq €716k
Of 4,406 companies in sector 46180 we hold annual accounts for 1,875. 1,039 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2009
Fiscal year end30-09
Activities, NACEBEL
45112
46180Agents specialised in the wholesale of other particular products
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.