CM - Auto
ActiveSummary
CM - Auto has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €138k and a net result of €42k. Equity is growing by ~34.7% per year across the filed fiscal years. Its solvency ranks better than 32% of 5989 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability75▲+26
Solvency52▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 1.1 in 2023; short-term debt: 45.8% and cash: 4.2% of total assets), and 73.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-10-2025, 70 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
not confirmed
2024
70 d late
2023
69 d late
2022
66 d late
2021
31 d early
2020
90 d late
2019
110 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€42k▲ 153%
2023 · €17k
2018: €2k
2019: €561
2020: €10k
2021: €10k
2022: €30k
2023: €17k
2018 → 2024
Working capital
€58k▲ 157%
2023 · €22k
2018: €-52k
2019: €-52k
2020: €-43k
2021: €-50k
2022: €-18k
2023: €22k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€39k-€49k▲ 26.4%€79k▲ 60.8%€96k▲ 21.3%€138k▲ 44.3%
Operating result€30k-€18k▼ 38.5%€43k▲ 135%€31k▼ 28.1%€71k▲ 128%
Net result€10k-€10k▲ 2.7%€30k▲ 191%€17k▼ 43.8%€42k▲ 153%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 128% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €513k
Fixed assets
€221k ▼ 3.1%
Current assets
€293k ▲ 15.6%
Equity and liabilities €513k
Equity
€138k ▲ 44.3%
Debt
€375k ▼ 2.6%
Debt's share of the balance-sheet total falls from 80.1% to 73.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€79k▲
2023 · €40k
Cash flow
€51k▲
2023 · €26k
Current ratio
1.24▲
2023 · 1.10
Quick ratio
0.90▲
2023 · 0.89
Debt to equity
2.71▼
2023 · 4.02
ROE
30.7%▲
2023 · 17.5%
ROA
8.3%▲
2023 · 3.5%
Interest coverage
5.50▲
2023 · 3.10
Debt ≤ 1 year
€235k▲
2023 · €231k
Debt > 1 year
€140k▼
2023 · €154k
Income taxes
€18k▲
2023 · €8k
Staff costs
€35k▼
2023 · €55k
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 · 2024 against 2023 · 55 lines
Balance sheet
Code20232024
Assets
Total assets20/58€481k€513k▲
Fixed assets21/28€228k€221k▼
Tangible fixed assets22/27€227k€220k▼
Land and buildings22€214k€206k▼
Plant, machinery and equipment23€13k€13k▼
Furniture and vehicles24-€1k
Financial fixed assets28€221€221=
Current assets29/58€253k€293k▲
Amounts receivable after more than one year29€19k€19k=
Trade receivables290€19k€19k=
Stocks and contracts in progress3€47k€82k▲
Stocks30/36€47k€82k▲
Amounts receivable within one year40/41€180k€168k▼
Trade receivables40€174k€142k▼
Other amounts receivable41€6k€26k▲
Cash at bank and in hand54/58€4k€21k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€481k€513k▲
Equity10/15€96k€138k▲
Contributions10/11€70k€70k=
Reserves13€26k€68k▲
Distributable reserves133€26k€68k▲
Profit (loss) carried forward14€45€125▲
Amounts payable17/49€385k€375k▼
Amounts payable after more than one year17€154k€140k▼
Financial debts170/4€154k€140k▼
Amounts payable within one year42/48€231k€235k▲
Current portion of amounts payable after more than one year42€20k€21k▲
Financial debts43€95k€95k=
Credit institutions430/8€95k€95k=
Trade debts44€74k€77k▲
Suppliers440/4€74k€77k▲
Taxes, remuneration and social security45€42k€42k▲
Taxes450/3€31k€42k▲
Remuneration and social security454/9€11k-
Other amounts payable47/48-€16
Income statement
Code20232024
Remuneration, social security and pensions62€55k€35k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€4k€7k▲
Other operating charges640/8€9k€7k▼
Gross operating margin9900€108k€128k▲
Operating profit (loss)9901€31k€71k▲
Financial income75/76B€7k€4k▼
Recurring financial income75€7k€4k▼
Financial charges65/66B€13k€14k▲
Recurring financial charges65€13k€14k▲
Profit (loss) for the period before taxes9903€25k€61k▲
Income taxes67/77€8k€18k▲
Profit (loss) for the period9904€17k€42k▲
Profit (loss) for the period to be appropriated9905€17k€42k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€43k▲
Profit (loss) brought forward from the previous period14P€45€45▲
Transfer to equity691/2€17k€42k▲
To other reserves6921€17k€42k▲
Social balance
Average headcount (FTE)90871.00.7▼
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 70 days late
2024
31-12
Financial
Highest result since 2018net €42k ▲153%
Operating result €71k, net result €42k, both a record.
31-12
Financial
Equity above €100kEq €138k ▲44.3%
7 profitable years in a row build equity to €138k.
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 69 days late
2023
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 66 days late
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 90 days late
2020
18-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 110 days late
2019
31-12
Financial
Weakest financial yearnet €561 ▼70.7%
Net result drops to €561, the lowest in the series; recovery starts the following year.
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 58 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 59 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
29-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 425 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Plombières · 1 establishment unit since 2011
Ground area
1,121 m²
Building footprint
191 m²
Volume, LiDAR
1,456 m³
Parcel 63053A0858/00G000, Wallonia · tallest building 8.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CM - Auto
since 20112.196.112.266
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63053A0858/00G000 | Wallonia | 1,121 m² | 1 · 191 m² | 8.3 m · 3 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
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LEECO
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ARH GARAGE
BE 0766.968.607
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MASTER CARS
BE 0437.433.871
Tongeren-Borgloon · Eq €137,156
Of 2,128 companies in sector 46711 we hold annual accounts for 1,127. 755 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
Founded08-02-2011
Fiscal year end31-12
Activities, NACEBEL 2025
46711Wholesale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.