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Complete company report
Generated 17-08-2026
Active BE 0769.679.162Public limited company

CarTrade2B Belgium

Rue du Bosquet 8A ·1400 Nivelles, Belgium· 5 yrs active
Sector: Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton) (47811)
Conclusion Checked

The computed 12-month bankruptcy probability of CarTrade2B Belgium is 2.1% (moderate). The 2025 annual accounts show equity of €48k and a net result of €-27k. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 95% of 249 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.
Key figures
Equity €48k
Net result €-27k
Better than sector 95%
Active 5 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health70Profitability0Solvency100Growth22Stability94
57 / 100

Mixed profile: strong on solvency, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 70
Profitability 0
Solvency 100
Growth 22
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
2.1% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2025 · computed
70 / 100 Healthy
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview4 NBB filings
Annual accounts filed on 01-10-2025 with the NBB · fiscal year 2025 · volledig
€-500k€0€500k€1.00M€1.50MRevenue 2022: €514k€514kOperating result 2022: €-9k€-9kNet result 2022: €-11k€-11kRevenue 2023: €1.41M€1.41MOperating result 2023: €-125k€-125kNet result 2023: €-135k€-135kRevenue 2024: €42k€42kOperating result 2024: €-38k€-38kNet result 2024: €-41k€-41kOperating result 2025: €-28k€-28kNet result 2025: €-27k€-27k2022202320242025
RevenueOperating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~9%/year over 4 fiscal years, indicative, assuming unchanged policy.
€-100k€0€100k2026: €64k (€34k - €93k)2027: €70k (€22k - €117k)2028: €75k (€10k - €140k)2022: €51k2023: €-84k2024: €75k2025: €48k2022202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 86.2% 13.9%
better than 95% of 249 sector peers
Net result €-27k €19k
better than 28% of 249 sector peers
Equity €48k €95k
better than 38% of 249 sector peers
Total assets €56k €913k
better than 5% of 249 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Revenue
€42k
-97.1% 22-25
Net profit
€-27k
+33.2% 22-25
Total assets
€56k
-35.5% 22-25
Equity
€48k
-35.9% 22-25
Working capital
€48k
-35.9% 22-25
Debt
€8k
-32.7% 22-25
Debt ≤ 1y
€8k
-32.7% 22-25
Current ratio
7.22
-4.1% 22-25
Show 6 other metrics
Quick ratio
7.22
-4.1% 22-25
Solvency
86.2%
-0.7% 22-25
Debt / equity
0.16
+5.0% 22-25
ROE
-56.0%
-4.2% 22-25
ROA
-48.2%
-3.5% 22-25
Net margin
-97.7%
-921.5% 22-25
Figures by fiscal year
Fiscal year2025
Depositvolledig
Revenue-
EBITDA-
Net profit€-27k
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€56k
Equity€48k
Debt€8k
of which ≤ 1y€8k
of which > 1y-
Working capital€48k
Employees (FTE)-
Ratios (computed)
2025
Current ratio7.22
Quick ratio7.22
Working capital ratio86.2%
Solvency86.2%
Debt / equity0.16
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-48.2%
ROE-56.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (17 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€56k
Current assets 29/58€56k
Amounts receivable within one year 40/41€12k
Cash & bank 54/58€45k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€56k
Equity 10/15€48k
Contributions / capital 10/11€112k
Accumulated profits (losses) 14€-63k
Amounts payable 17/49€8k
Amounts payable within one year 42/48€8k
Trade debts payable within one year 44€8k
Income statement
Operating result 9901€-28k
Financial income 75€826
Financial charges 65€309
Result before taxes 9903€-27k
Net result for the period 9904€-27k
Result to be appropriated 9905€-27k
This table shows the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 5 directors
Current directors & mandates
  • Banks David
    Director
    State Gazette act 25033461 (10-03-2025)
    Current
    27-01-2025 → present
  • Bertrand de Techtermann
    Director
    State Gazette act 25033461 (10-03-2025)
    Current
    27-01-2025 → present
    2 events
    • 27-01-2025 Appointed· Director
    • 27-01-2025 Appointed· Managing director
  • Lampert Timothy
    Director
    State Gazette act 25033461 (10-03-2025)
    Current
    27-01-2025 → present
    2 events
    • 27-01-2025 Appointed· Director
    • 31-03-2023 Resigned· Director
  • James MULLINS
    Director
    State Gazette act 23051632 (17-04-2023)
    Current
    31-03-2023 → present
Former directors (1)
  • Olivier Fernandes
    Director
    State Gazette act 25033461 (10-03-2025)
    Former
    - → 27-01-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)(47811)
Legal form Public limited company(014)
Incorporation14-06-2021
StatusActive
Postal code1400
Establishment units 1 location
CarTrade2B Belgium
Rue du Bosquet 8A, 1400 NivellesGroothandel in auto's en lichte bestelwagens (= 3,5 ton)
since 20212.318.892.391
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25099D0027/00F002 Wallonia 1.6 ha 1 · 5,522 m² 9.9 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 8 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
01-10-2025
NBB filing Annual accounts filed
fiscal year 2025 · volledig
10-03-2025
State Gazette act Director changes
2024
31-12-2024
State Gazette act Director changes
15-10-2024
NBB filing Annual accounts filed
fiscal year 2024 · volledig
2023
16-10-2023
NBB filing Annual accounts filed
fiscal year 2023 · volledig
11-10-2023
State Gazette act Capital & shares
Frederic HELSEN
17-04-2023
State Gazette act Director changes
2022
14-10-2022
NBB filing Annual accounts filed
fiscal year 2022 · volledig
Belgian State Gazette reading coverage 0 of 9 acts read

We know of 9 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 4 acts
Capital history · 1
11-10-2023
Capital change
All acts · 4 updated 1 year ago
2025
10-03-2025 9 directors appointed, 1 resigning Director changes
  • Bertrand de Techtermann, Bestuurder
  • Banks David, Bestuurder
  • Lampert Timothy, Bestuurder
  • Bertrand de Techtermann, Gedelegeerd bestuurder
  • Pierre Lüttgens, Délégué à cette gestion
  • Nicolas Bosschaerts, Délégué à cette gestion
  • Brent Mastin, Délégué à cette gestion
  • Simon Meyskens, Délégué à cette gestion
Technical details 
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  "act_meta": {
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  "is_correction": false,
  "subject_company": {
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}
2024
31-12-2024 Loris GUIDI reappointed as statutory auditor Director changes
  • Loris GUIDI, Commissaris
Technical details 
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  "act_meta": {
    "language": "mixed",
    "pub_date": "2024-12-31",
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2023
11-10-2023 Capital increase of €200,000 to €261,500 Capital & shares·Frederic HELSEN
  • €61.500 → €261.500
  • 2 kapitaalbewegingen in deze akte
Notary: Frederic HELSEN · BruxellesFirm: BERQUIN NOTAIRES
Technical details 
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17-04-2023 5 directors appointed, 1 resigning Director changes
  • James MULLINS, Bestuurder
  • Pierre Lüttgens, Délégué à cette gestion
  • Nicolas Bosschaerts, Délégué à cette gestion
  • Brent Mastin, Délégué à cette gestion
  • Anthea Debou, Délégué à cette gestion
  • Timothy LAMPERT, Bestuurder
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      "evidence_quote": "Un pouvoir sp\u00E9cial est donn\u00E9 \u00E0 Pierre L\u00FCttgens, Nicolas Bosschaerts, Brent Mastin et Anthea Debou qui, \u00E0 cet effet \u00E9lisent domicile \u00E0 Gateway building, 1930 Zaventem, Luchthaven Brussel Nationaal 1 J, agissant s\u00E9par\u00E9ment, afin de publier les pr\u00E9sentes d\u00E9cisions dans les annexes au Moniteur belge et ",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "delegation_dagelijks_bestuur_in",
      "role": "d\u00E9l\u00E9gu\u00E9 \u00E0 cette gestion",
      "person": {
        "rrn": null,
        "name": "Anthea Debou",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Un pouvoir sp\u00E9cial est donn\u00E9 \u00E0 Pierre L\u00FCttgens, Nicolas Bosschaerts, Brent Mastin et Anthea Debou qui, \u00E0 cet effet \u00E9lisent domicile \u00E0 Gateway building, 1930 Zaventem, Luchthaven Brussel Nationaal 1 J, agissant s\u00E9par\u00E9ment, afin de publier les pr\u00E9sentes d\u00E9cisions dans les annexes au Moniteur belge et ",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": null,
    "filing_date": "2023-03-31",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2023-03-31",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0769.679.162",
    "name_full": "CarTrade2B Belgium",
    "legal_form": "SA"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Anthea Debou",
    "org_rep_person_name": null,
    "person_role_at_subject": "Mandataire sp\u00E9cial"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)45113Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811Handelsbemiddeling in auto's en lichte bestelwagens (= 3,5 ton)45112Handelsbemiddeling in de groothandel in andere specifieke goederen46180
Primary activity highlighted.
Names & trade names
Legal nameFR CarTrade2B Belgium
Registered office
Rue du Bosquet 8A
1400 Nivelles, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Similar companies Comparable size · 1,125 of 10,652 companies in this sector with filed accounts
Zarraa Cars BE 0781.315.994 · Zaventem
BKM-MULTISERVICE BE 0790.815.660 · Antwerpen
STAGE 86 BE 0788.817.955 · Huy
SEDAT AKHATUN BE 0787.597.141 · Beringen
TWO ORANGES BE 0797.111.356 · Waregem
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative