CBP Auto Service
ActiveCBP Auto Service has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18k and a net result of €71k. Equity is growing by ~88.2% per year across the filed fiscal years. Its solvency ranks better than 14% of 1037 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+95
Solvency30▲+30
Growth78▲+20
Track record94
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.86 against 0.12 in 2024; short-term debt: 44.1% and cash: 2.8% of total assets), but 94.6% 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
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
5.4%
Return on assets
21.3%
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 14% of 1037 sector peers (2025).
NBB · sector comparisonPosition among 1037 sector peers
Solvency
better than 14%
← 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 17-08-2026, 17 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 · 3 filingsDeviation from the deadline
2025
17 d late
2024
14 d late
2023
33 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€18k
2024 · €-52k
2023: €-24k
2024: €-52k
2023 → 2025
Total assets
€332k▲ 374%
2024 · €70k
2023: €84k
2024: €70k
2023 → 2025
Net result
€71k
2024 · €-29k
2023: €-57k
2024: €-29k
2023 → 2025
Working capital
€126k
2024 · €-71k
2023: €-41k
2024: €-71k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-24k-€-52k▼ 123%€18k
Operating result€-52k-€-26k▲ 49.9%€74k
Net result€-57k-€-29k▲ 49.3%€71k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €74k after a loss of €26k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €332k
Fixed assets
€59k▼ 2.1%
Current assets
€272k▲ 2,819%
Equity and liabilities €332k
Equity
€18k
Debt
€314k
Debt finances 94.6% of the balance-sheet total.
Key figures and ratios
EBITDA
€85k▲
2024 · €-15k
Cash flow
€82k▲
2024 · €-18k
Solvency
5.4%▲
2024 · -75.1%
Current ratio
1.86▲
2024 · 0.12
Quick ratio
1.03▲
2024 · 0.09
Debt / equity
17.41▲
2024 · -2.33
ROE
391.3%
ROA
21.3%▲
2024 · -41.3%
Interest coverage
25.18▲
2024 · -5.72
Debt
€314k▲
2024 · €122k
Debt ≤ 1 year
€146k▲
2024 · €80k
Debt > 1 year
€167k▲
2024 · €42k
Staff costs
€45k
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€70k€332k▲
Fixed assets21/28€61k€59k▼
Tangible fixed assets22/27€61k€59k▼
Plant, machinery and equipment23€61k€50k▼
Furniture and vehicles24-€10k
Current assets29/58€9k€272k▲
Stocks and contracts in progress3€2k€121k▲
Stocks30/36€2k€121k▲
Amounts receivable within one year40/41€7k€142k▲
Trade receivables40€7k€142k▲
Other amounts receivable41-€122
Cash at bank and in hand54/58€837€9k▲
Equity and liabilities
Total equity and liabilities10/49€70k€332k▲
Equity10/15€-52k€18k▲
Contributions10/11€33k€33k=
Profit (loss) carried forward14€-86k€-15k▲
Amounts payable17/49€122k€314k▲
Amounts payable after more than one year17€42k€167k▲
Financial debts170/4€42k€167k▲
Amounts payable within one year42/48€80k€146k▲
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€9k€5k▼
Suppliers440/4€9k€5k▼
Taxes, remuneration and social security45€4k€10k▲
Taxes450/3€4k€5k▲
Remuneration and social security454/9-€5k
Other amounts payable47/48€57k€121k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€45k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€-12k€133k▲
Operating profit (loss)9901€-26k€74k▲
Financial income75/76B€1€25▲
Recurring financial income75€1€25▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€-29k€71k▲
Profit (loss) for the period9904€-29k€71k▲
Profit (loss) for the period to be appropriated9905€-29k€71k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-86k€-15k▲
Profit (loss) brought forward from the previous period14P€-57k€-86k▼
Social balance
Average headcount (FTE)9087-1.0
The notes to these accounts (7 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 17 days late
2025
31-12
Financial
Back to profitnet €71k
Net result €71k after 2 loss-making years.
31-12
Financial
Liquidity times 16current ratio 1.86
Current ratio from 0.12 to 1.86.
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 14 days late
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Hoogstraten · 1 establishment unit since 2022
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.
Veilingstraat 392320 HoogstratenGround area
267 m²
Building footprint
267 m²
Volume, LiDAR
1,823 m³
Parcel 13014F0109/00R000, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CBP Auto Service
since 20222.336.241.634
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13014F0109/00R000 | Flanders | 267 m² | 1 · 267 m² | 7.5 m · 2 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.
Similar companies · same sector, comparable size
LHOMME OCCASIONS
BE 1003.858.542
Faimes · Eq €18k
Y&B Solutions
BE 1010.895.594
Antwerpen · Eq €18k
LP AUTO SERVICE
BE 1019.874.727
Libramont-Chevigny · Eq €18k
Albion Workshop
BE 0848.800.082
Beveren-Kruibeke-Zwijndrecht · Eq €18k
LUK
BE 0821.612.170
Brussel · Eq €18k
Of 7,376 companies in sector 95311 we hold annual accounts for 2,959. 1,536 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-10-2022
Fiscal year end31-12
Activities, NACEBEL
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95314Bodywork repair (including spraying and painting)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95315Tyre services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.