Equity
-€35,196
Debts exceed assets in financial year 2025.
DBCarSelect
Overview
Lifetime
1 annual account with figurespeak -€16,235 (2025)
-€16,235
lowest -€38,196 (2025)
-€38,196
peak -€35,196 (2025)
-€35,196
€117,103
Board3 names since 2024
3 directorsCifuentes Uribe Andy and 2 others
Documentsfilings and deeds
02-09-202633 days late
2025micro format
Loss of €38,196First year with figures
Key points
from the 2025 annual accountsDebts
€117,103 143% of the balance sheet
Financial debts 41%Suppliers 18%Taxes and wages 5%Other 36%
Of this, €72,037 falls due within a year.
Position in the sector
-€38,196
Lower net result than 93% of companies in wholesale trade. Sector median €5,606 · 13,811 companies.
2025 accounts filed 33 days after the deadlineTurnover not published (micro format)
Checked score
45
Fair
Financially stronger than 6% of micro companies in wholesale trade (NACE 46)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
4.2% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,891 companies (NACE 46, micro).
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
08-2025: 1.6%lowest value
09-2025: 1.6%● unchanged vs 08-2025lowest value
10-2025: 1.7%▲ +0.1 percentage points vs 09-2025
11-2025: 2.0%▲ +0.3 percentage points vs 10-2025
12-2025: 2.1%▲ +0.1 percentage points vs 11-2025
01-2026: 2.3%▲ +0.2 percentage points vs 12-2025
02-2026: 2.3%● unchanged vs 01-2026
03-2026: 2.6%▲ +0.3 percentage points vs 02-2026
04-2026: 2.6%● unchanged vs 03-2026
05-2026: 2.5%▼ -0.1 percentage points vs 04-2026
06-2026: 2.7%▲ +0.2 percentage points vs 05-2026
07-2026: 2.8%▲ +0.1 percentage points vs 06-2026
08-2026: 2.9%▲ +0.1 percentage points vs 07-2026
09-2026: 2.9%● unchanged vs 08-2026
10-2026: 4.2%▲ +1.3 percentage points vs 09-2026highest value
11-2026: 4.2%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Founded in 2024
Last filed accounts filed 33 days late; 1 of the last 3 accounts late
Loss of €38,196 (financial year 2025)
Negative equity -€35,196
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 6% of them on solvency, 6% on liquidity and 6% on profitability.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 7,639 companies had the same profile as DBCarSelect has now. Each dot stands for 20 companies, two years later.
84.7%
were still trading
5.6%
stopped another way
8.8%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of DBCarSelect itself: 4.2% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,639 companies, not a prediction for DBCarSelect. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.23, below 1. Short-term debt is 87.9% and cash 1.8% of total assets. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
raises risk
raises risk · 2025 accounts filed 33 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-09-2026, 33 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
33 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- BAIVIER Dylan Wivine Pascal Josée Marcelle Fernand Marcel Jean-Marc Willy Bryan founderdeed of 30-07-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1011975462
Appointment: Cifuentes Uribe Andy (director)
General meeting of 26-07-2024 · Gazette deed
Incorporation
Founding capital of €3,000, 300 shares · Founder: BAIVIER Dylan Wivine Pascal Josée Marcelle Fernand Marcel Jean-Marc Willy Bryan · Appointments: BAIVIER Dylan Wivine Pascal Josée Marcelle Fernand Marcel Jean-Marc Willy Bryan (director) and DOHET Wivine (alternate director) · published on 30-07-2024 · Gazette deed
First establishment
Rue des Balaives 6, Namur
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| DBCarSelect Namur | €81,907 | -€16,235 | -43.0% | - |
| MON AGENCE AUTO Tongeren-Borgloon | €78,450 | -€25,364 | -34.5% | - |
| Aarts Ital Auto Retie | €74,159 | -€1,992 | -5.0% | - |
| YA-MOTORS Sint-Genesius-Rode | €69,385 | -€1,735 | -0.3% | - |
| AUTO'S HASSAN Wommelgem | €98,880 | -€7,132 | 24.8% | - |
| SAFE AUTO Haaltert | €67,375 | -€1,953 | -7.1% | - |
| AFA & FILS Vilvoorde | €67,562 | -€2,802 | 15.3% | - |
These companies have the same main activity as DBCarSelect: wholesale of cars and light vans (up to 3.5 tonnes) (NACE 46711). They are comparable in size and age: total assets between €67,400 and €98,900, founded in 2024.
Official details
Source: KBO- Status
- Active since 26-07-2024Normal situation
- Activity
- Wholesale of cars and light vans (up to 3.5 tonnes)NACE 46711and 3 others
- Establishment unit
- 2.364.975.3115101 Namur, since 26-07-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 22-10-2025
Annual accounts 2025
- -€16,235
- €38,196
- -€35,196
- €81,907
- Employeeson 31-12-2025
- 1
- Filing
- Filed on 02-09-2026
Insights on DBCarSelect
The computed 12-month bankruptcy probability of DBCarSelect is 4.2% (elevated). The 2025 annual accounts show negative equity (-€35,196) and a net result of -€38,196.
Its solvency ranks better than 12% of 13,805 sector peers (NACE 46, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 02-09-2026, 33 days late-€16,235
-€33,232
-€38,196
-€55,488
-43.0%
0.23
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €81,907 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
-43.0%
Higher than 12% of 13,805 companies in 2025.
0.23
Higher than 6% of 13,186 companies in 2025.
-46.6%
Lower than 95% of 13,365 companies in 2025.
DBCarSelect
Middle half of the sector
80% of the sector
Micro accounts in wholesale trade (NACE 46)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: middle half · Working capital: bottom quarter
Staff
€17,419
Staff costs divided by the average number of full-time equivalents.
+1 person
people who joined
people who left
In 2025, 6 people joined and 5 left. Training hours in 2025: 243.
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
81,907 | |
20 |
2,304 | |
21/28 |
63,055 | |
21 |
26,351 | |
22/27 |
32,419 | |
24 |
10,544 | |
26 |
21,875 | |
28 |
4,285 | |
29/58 |
16,549 | |
40/41 |
12,122 | |
40 |
12,060 | |
41 |
62 | |
54/58 |
1,495 | |
490/1 |
2,932 | |
| Balance sheet: equity and liabilities | ||
10/49 |
81,907 | |
10/15 |
-35,196 | |
10/11 |
3,000 | |
14 |
-38,196 | |
17/49 |
117,103 | |
17 |
45,066 | |
170/4 |
45,066 | |
42/48 |
72,037 | |
42 |
18,868 | |
43 |
3,433 | |
430/8 |
3,433 | |
44 |
20,862 | |
440/4 |
20,862 | |
46 |
500 | |
45 |
6,055 | |
450/3 |
4,922 | |
454/9 |
1,133 | |
47/48 |
22,319 | |
| Income statement | ||
9900 |
-16,235 | |
62 |
3,484 | |
630 |
11,622 | |
640/8 |
1,890 | |
9901 |
-33,232 | |
75/76B |
31 | |
75 |
31 | |
65/66B |
4,995 | |
65 |
4,995 | |
9903 |
-38,196 | |
9904 |
-38,196 | |
9905 |
-38,196 | |
| Appropriation of the result | ||
9906 |
-38,196 | |
| Social balance sheet | ||
9087 |
0.2 | |
Hours worked1013 |
300 | |
| Document | ||
The notes to these accounts have 12 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 02-09-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 33 days after the deadline. Filed on 2 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00493381.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 02-09-2026 | 2026-00493381 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| -21,609 | ||
| -26,573 | ||
| 73,764 | ||
| -55,488 | ||
| -43.0% | ||
| 0.23 | ||
| -46.6% | ||
| -4.33 |
Debt to equity is not shown because equity is negative. Debt divided by negative equity means nothing.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Social balance sheet
| Item | 31-12-2025 |
|---|---|
| Employees at the balance-sheet date | 1 |
| full-time | 1 |
| in full-time equivalents | 1 |
| 0.2 | |
| Joined | 6 |
| Left | 5 |
| Training hours | 243 |
Source: social balance sheet in the 2025 annual accounts
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €39,479 |
| Intangible fixed assets | €30,000 |
| Financial fixed assets | €4,285 |
| €11,622 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on DBCarSelect
Equity is negative. Debt (€117,103) exceeds the balance-sheet total (€81,907).
Board & ownership
Board
3 directors, no change since July 2024Director
appointed by deed of 30-07-2024
term without a fixed end
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Chaque administrateur est plénipotentiaire dans les limites prévues par la loi, à moins que la décision de nomination ne comporte une…”deed of 30-07-2024
Mandates through the years
3 names, the dashed line is todayCifuentes Uribe Andy
Director
Director
DOHET Wivine
Alternate director
Alternate director
Board
Mandates as a list
- Cifuentes Uribe Andy
- Director, from 26-07-2024 to date
- BAIVIER Dylan Wivine Pascal Josée Marcelle Fernand Marcel Jean-Marc Willy Bryan
- Director, appointed by deed of 30-07-2024, still in office
- DOHET Wivine
- Alternate director, appointed by deed of 30-07-2024, still in office
Control
This company
DBCarSelect
Equity -€35,196
Loss €38,196 in 2025
Capital
- Contribution
- €3,000
- Shares
- 300
- Contribution per share
- €10
- Equity per share
- -€117 in 2025
- Source
- deed of 30-07-2024
Articles of association
deed of 30-07-2024 (in French)- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Tuesday of May at 19:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one.
- No statutory auditor
- Dissolution ruleThe articles set when and by whom the company can be dissolved.
- “Assemblée générale peut dissoudre aux conditions énoncées par loi, désigne s'il y a lieu un ou plusieurs liquidateurs”
Founder
At incorporation
deed of 30-07-2024 ↗
- BAIVIER Dylan Wivine Pascal Josée Marcelle Fernand Marcel Jean-Marc Willy Bryan sole founder · 100% at incorporation
Network & group
No group
DBCarSelect has no parent and no holdings in its annual accounts. DBCarSelect shares no director with another company.
Timeline
Timeline
5 events since 2024Board
Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 33 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1011975462
2024
- General meeting, 26-07-2024
- Director appointment, Cifuentes Uribe Andy
IncorporationFounding capital of €3,000, 300 shares · Founder: BAIVIER Dylan Wivine Pascal Josée Marcelle Fernand Marcel Jean-Marc Willy Bryan · Appointments: BAIVIER Dylan Wivine Pascal Josée Marcelle Fernand Marcel Jean-Marc Willy Bryan (director) and DOHET Wivine (alternate director) · published on 30-07-20245 points ▸
- Founding capital, €3,000, 300 shares
- Registered office clause, rue des Balaives 6, 5101 Namur (Erpent)
- Director appointment, BAIVIER Dylan Wivine Pascal Josée Marcelle Fernand Marcel Jean-Marc Willy Bryan
- Director appointment, DOHET Wivine (alternate director)
- Founder, BAIVIER Dylan Wivine Pascal Josée Marcelle Fernand Marcel Jean-Marc Willy Bryan
- The deed holds 6 more points.
First establishment Rue des Balaives 6, Namur
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 1011.975.462
- VAT number
- BE 1011.975.462
- Peppol ID
- 0208:1011975462
- Other Peppol ID
- 9925:BE1011975462
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 26-07-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Tuesday of May at 19:00deed of 30-07-2024 (in French)
- Peppol
- Reachable since 22-10-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- DBCarSelect in French
- Entity type
- Legal entity
Activities
NACEBEL 2025VAT activities
46711
Wholesale of cars and light vans (up to 3.5 tonnes) main activity
46712
Wholesale trade
Social security (RSZ) activities
46180
Agents specialised in the wholesale of other particular products main activity
Codes under NACEBEL 2008
45111
main activity
45112
45191
45310
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L’exploitation d’un centre d’exposition,de commercialisation et de mise à disposition,réelle ou virtuelle,de véhicules de tous types,en ce…”deed of 30-07-2024 (in French)
25 activities
- L’exploitation d’un centre d’exposition,de commercialisation et de mise à disposition,réelle ou virtuelle,de véhicules de tous types,en ce compris leur entretien,leur réparation et la mise à jour de leurs évolutions
- L’activité de carrosserie au sens le plus large,en ce compris le débosselage,le planage,le ponçage,le traitement des surfaces,le démontage d’équipements électrique,la remise en état du châssis et contrôles sur banc de mesure dans le respect des normes constructeur et plus généralement la remise en forme,le remplacement d’éléments endommagés,tous travaux de finition,de modifications de carrosserie,de peinture,ainsi que tous travaux de sellerie à l’intérieur de l’habitacle
- L’achat et la vente,l’importation,l’exportation,la distribution et la livraison de tous véhicules,moteurs et pièces détachées,pneus utiles à l’usage de véhicules,ainsi que tous produits de l’industrie mécanique,métallurgie ou du bois s’y rapportant
- La préparation de véhicules et le développement de solutions pour l’automobile,notamment dans le secteur informatique ou de la mobilité,en ce compris les réglages électroniques et électromécaniques
- Le commerce en gros ou en détail de véhicules à moteur y compris de véhicules de seconde main,de pièces détachées et accessoires de véhicules à moteur,de carburants et de lubrifiants,huiles industrielles et produits gras
- Le service de dépannage
- L’activité de lavage automobile
- L’intermédiation commerciale dans les domaines énoncés ci-avant
- La formation,le conseil,et la consultance en général et plus particulièrement en matière de gestion,de restructuration,d’organisation,de méthodologie,d'informatique et d'applications techniques,la recherche de fonds propres et de financements connexes,l’assistance et le conseil en partenariat d’entreprise et en mise en relation de sociétés,le conseil en gestion de l’énergie,la gestion des ressources humaines,le placement de personnes,l’intermédiation commerciale et industrielle et de toutes sortes de services rendus aux entreprises
- La prise de participation sous quelque forme que ce soit,dans toutes sociétés,associations,établissements existants ou à créer,ayant des activités industrielles,financières,immobilières,commerciales ou autres
- La gestion et la valorisation de ces participations,notamment par la stimulation,la planification et la coordination du développement des sociétés,associations,établissements ou entités dans lesquels elle détient directement ou indirectement une participation
- L’exercice de fonctions ou de mandats d'administrateur,de gérant,de liquidateur ou de directeur de toute personne ou entité morale,avec ou sans personnalité juridique et ce,quelle que soit la qualification de la fonction,en qualité d’organe ou non,sans exception
- L'achat,la vente,la cession et l'échange,à titre personnel ou fiduciaire,seul ou en association,avec ou sans démembrement,de toutes valeurs mobilières,actions,parts sociales,obligations,fonds d'Etat,et de tous droits mobiliers et immobiliers
- La réalisation de toutes études en faveurs de tiers notamment des sociétés,associations,établissements dans lesquels elle détient,directement ou indirectement,une participation,et l’exécution de toute assistance technique,administrative et financière
- Le commerce et la représentation sous toutes les formes,gros ou détail,et plus particulièrement l'achat,la vente,l'importation et l'exportation,l’intermédiation de toutes matières,produits et marchandises,machines,appareils et outillages
- La prestation de services dans un des domaines énoncés ci-avant
- Toutes opérations de promotion ou de développement immobilier,en ce compris le management immobilier,l’initiation,la coordination,l’accompagnement et le suivi de tout projet ou de toute procédure d’urbanisation,de réaménagement,de réhabilitation,de transformation,de rénovation,de traitement,d’assainissement,de gestion et de suivi,notamment en matière de pollutions,le cas échéant,en postulant l’octroi d’agréments ou d’autorisations administratives
- L'achat,l'échange,la vente,la prise en possession,en concession ou en location(et en sous-location),la cession ou la constitution de tous droits réels ou personnels,civils ou administratifs,le tout avec ou sans option,le cas échéant,dans le cadre de structurations complexes,ainsi que l'exploitation,la réfection et l'entretien de tous biens immobiliers,bâtis ou non,ou encore de volumes(maisons,appartements,bureaux,magasins,terrains,terres et domaines)
- Toutes opérations de financement liées à ces actes ou opérations,dont le leasing immobilier
- La conclusion de tous contrats ou associations relatifs à la construction
- L’accomplissement de tous travaux ou ouvrages,pour son compte ou pour compte de tiers,en tant que maître de l'ouvrage,maître d’ouvrage délégué ou même,entrepreneur,ainsi que l’acquisition,la vente et le courtage de tous matériaux,outils,machines ou appareils liés à la construction
- La prise de participation dans toutes entreprises,sous la forme de capital à risque ou non,la gestion et la valorisation de ces participations,notamment par la stimulation,la planification et la coordination du développement des sociétés,associations,établissements dans lesquels elle détient une participation
- L'achat,la vente,la cession et l'échange,à titre personnel ou fiduciaire,seul ou en association,avec ou sans démembrement,de toutes valeurs mobilières,actions,actions,obligations,fonds d'Etat,et de tous droits mobiliers et immobiliers,incluant notamment mais non exclusivement des actions belges ou étrangères,cotées ou non,à titre provisoire ou permanent;des obligations,bons de caisse,warrants,options et titres analogues;des métaux précieux,des œuvres d'art,tableaux,meubles et bibelots,des terrains et constructions,en général toute valeur mobilière et immobilière
- L’exercice des mandats ou fonctions d'administrateur,de liquidateur de toute personne morale,sans exception
- L’octroi de tous financements,prêts,avances et garanties,ainsi que la réalisation de toutes opérations financières
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue des Balaives 6 registered office 5101 Namur 2920101 Manufacture of bodies and coachwork for motor vehicles | 26-07-2024 | 2.364.975.311 |
Buildings and parcels at the address
- Ground area
- 1,852 m²
- Buildings
- 346 m²
- Volume, LiDAR
- 1,321 m³
- Tallest building
- 4.1 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 92039A0075/00H003 | 1,852 m² | 1 · 346 m² | 4.1 m · 1 |
Contact
E-mail
dbcarselect@gmail.com
E-mail
dylanbaivier@live.be establishment in Namur
Phone
+32 499 82 71 09 establishment in Namur