CLASSCARS
ActiveSummary
CLASSCARS has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €173k and a net result of €50k. Equity is growing by ~43.9% per year across the filed fiscal years. Its solvency ranks better than 23% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-5
Solvency43▲+2
Growth52=
Track record94
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.27 in 2024; short-term debt: 79.2% and cash: 28.8% of total assets), and 82.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
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 →
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
17.5%
Return on assets
5.1%
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 23% of 8001 sector peers (2025).
NBB · sector comparisonPosition among 8001 sector peers
Solvency
better than 23%
← 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 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
29 d early
2022
31 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€50k▲ 116%
2024 · €23k
2022: €50k
2023: €46k
2024: €23k
2022 → 2025
Working capital
€199k▲ 21.1%
2024 · €164k
2022: €47k
2023: €157k
2024: €164k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€54k-€100k▲ 83.7%€123k▲ 23.2%€173k▲ 40.7%
Operating result€67k-€61k▼ 9.1%€37k▼ 39.8%€72k▲ 96.7%
Net result€50k-€46k▼ 9.6%€23k▼ 49.1%€50k▲ 116%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 97% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €989k
Fixed assets
€7k ▼ 2.6%
Current assets
€982k ▲ 27.0%
Equity and liabilities €989k
Equity
€173k ▲ 40.7%
Debt
€816k ▲ 24.1%
Debt's share of the balance-sheet total falls from 84.2% to 82.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€74k▲
2024 · €39k
Cash flow
€52k▲
2024 · €26k
Current ratio
1.25▼
2024 · 1.27
Quick ratio
0.68▲
2024 · 0.46
Debt to equity
4.71▼
2024 · 5.34
ROE
28.9%▲
2024 · 18.8%
ROA
5.1%▲
2024 · 3.0%
Interest coverage
5.07▼
2024 · 6.85
Debt ≤ 1 year
€783k▲
2024 · €609k
Debt > 1 year
€31k▼
2024 · €47k
Income taxes
€17k▲
2024 · €8k
Staff costs
€1k▲
2024 · €322
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€781k€989k▲
Fixed assets21/28€8k€7k▼
Tangible fixed assets22/27€5k€5k▼
Plant, machinery and equipment23€4k€693▼
Furniture and vehicles24€829€4k▲
Financial fixed assets28€3k€3k=
Current assets29/58€773k€982k▲
Stocks and contracts in progress3€495k€452k▼
Stocks30/36€495k€452k▼
Amounts receivable within one year40/41€234k€237k▲
Trade receivables40€233k€12k▼
Other amounts receivable41€1k€226k▲
Cash at bank and in hand54/58€39k€284k▲
Deferred charges and accrued income490/1€5k€8k▲
Equity and liabilities
Total equity and liabilities10/49€781k€989k▲
Equity10/15€123k€173k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€119k€169k▲
Amounts payable17/49€657k€816k▲
Amounts payable after more than one year17€47k€31k▼
Financial debts170/4€47k€31k▼
Amounts payable within one year42/48€609k€783k▲
Current portion of amounts payable after more than one year42€15k€16k▲
Trade debts44€330k€280k▼
Suppliers440/4€330k€280k▼
Advances received on contracts in progress46€17k€3k▼
Taxes, remuneration and social security45€48k€55k▲
Taxes450/3€25k€50k▲
Remuneration and social security454/9€24k€5k▼
Other amounts payable47/48€199k€429k▲
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Remuneration, social security and pensions62€322€1k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€13k€11k▼
Gross operating margin9900€53k€87k▲
Operating profit (loss)9901€37k€72k▲
Financial income75/76B€40€9k▲
Recurring financial income75€40€9k▲
Financial charges65/66B€6k€15k▲
Recurring financial charges65€6k€15k▲
Profit (loss) for the period before taxes9903€31k€67k▲
Income taxes67/77€8k€17k▲
Profit (loss) for the period9904€23k€50k▲
Profit (loss) for the period to be appropriated9905€23k€50k▲
Appropriation of the result
Profit (loss) to be appropriated9906€119k€169k▲
Profit (loss) brought forward from the previous period14P€96k€119k▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (14 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Equity above €150kEq €173k ▲40.7%
4 profitable years in a row build equity to €173k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €23k ▼49.1%
Net result drops to €23k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €100kEq €100k ▲83.7%
2 profitable years in a row build equity to €100k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sombreffe · 1 establishment unit since 2021
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.
Chaussée de Gembloux, Tong. 365140 SombreffeGround area
2,530 m²
Building footprint
543 m²
Parcel 92126C0373/00E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
CLASSCARS
since 20212.321.409.839
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92126C0373/00E000 | Wallonia | 2,530 m² | 1 · 543 m² | - |
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
Multipack Packaging
BE 0422.960.778
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PBPM Consulting
BE 0696.685.672
Maasmechelen · Eq €172,622
Imocom Consulting
BE 0793.595.008
Mortsel · Eq €172,614
JURIVER
BE 0438.764.652
Aalst · Eq €172,517
Villa Bellevue Eyewear
BE 0459.220.368
Gent · Eq €172,235
Of 4,420 companies in sector 46180 we hold annual accounts for 1,886. 1,383 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2021
Fiscal year end31-12
Activities, NACEBEL 2025
46180Agents specialised in the wholesale of other particular products
46712Wholesale trade
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
46713Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.