DRIVE & Co
ActiveThe computed 12-month bankruptcy probability of DRIVE & Co is 2.8% (moderate). The 2025 annual accounts show equity of €9k and a net result of €-4k. Equity is growing by ~26.9% per year across the filed fiscal years. Its solvency ranks better than 33% of 17987 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency43▼-12
Growth52▼-26
Stability94
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity ample (current ratio 11.32 against 14.47 in 2024), but 85.6% 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.
+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
14.4%
Return on assets
-6.6%
Age of the figures
8 mo
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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
7 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€9k▼ 31.6%
2024 · €13k
2023: €4k
2024: €13k
2023 → 2025
Total assets
€60k▲ 8.7%
2024 · €56k
2023: €39k
2024: €56k
2023 → 2025
Net result
€-4k
2024 · €9k
2023: €2k
2024: €9k
2023 → 2025
Working capital
€49k▲ 3.3%
2024 · €47k
2023: €36k
2024: €47k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€4k-€13k▲ 216%€9k▼ 31.6%
Operating result€2k-€11k▲ 595%€-4k
Net result€2k-€9k▲ 472%€-4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €11k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60k
Fixed assets
€7k▲ 40.8%
Current assets
€53k▲ 5.5%
Equity and liabilities €60k
Equity
€9k▼ 31.6%
Debt
€52k▲ 20.6%
The debt ratio rises from 77.2% to 85.6%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-2k▼
2024 · €11k
Cash flow
€-2k▼
2024 · €9k
Solvency
14.4%▼
2024 · 22.8%
Current ratio
11.32▼
2024 · 14.47
Quick ratio
6.48▲
2024 · 2.95
Debt / equity
5.96▲
2024 · 3.38
ROE
-46.1%▼
2024 · 68.3%
ROA
-6.6%▼
2024 · 15.6%
Interest coverage
-16.18▼
2024 · 125.26
Debt
€52k▲
2024 · €43k
Debt ≤ 1 year
€5k▲
2024 · €3k
Income taxes
€303▼
2024 · €2k
Staff costs
€34
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€56k€60k▲
Fixed assets21/28€5k€7k▲
Tangible fixed assets22/27€5k€5k▼
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€2k€2k▼
Financial fixed assets28-€3k
Current assets29/58€50k€53k▲
Stocks and contracts in progress3€40k€23k▼
Stocks30/36€40k€23k▼
Amounts receivable within one year40/41€4k€5k▲
Trade receivables40€4k€5k▲
Current investments50/53€5k-
Cash at bank and in hand54/58-€25k
Deferred charges and accrued income490/1€961€539▼
Equity and liabilities
Total equity and liabilities10/49€56k€60k▲
Equity10/15€13k€9k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€10k€6k▼
Amounts payable17/49€43k€52k▲
Amounts payable within one year42/48€3k€5k▲
Trade debts44€1k€796▼
Suppliers440/4€1k€796▼
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Accrued charges and deferred income492/3€39k€47k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€34
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€250€2k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€12k€-617▼
Operating profit (loss)9901€11k€-4k▼
Financial charges65/66B€89€108▲
Recurring financial charges65€89€108▲
Profit (loss) for the period before taxes9903€11k€-4k▼
Income taxes67/77€2k€303▼
Profit (loss) for the period9904€9k€-4k▼
Profit (loss) for the period to be appropriated9905€9k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€6k▼
Profit (loss) brought forward from the previous period14P€2k€10k▲
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
07-09
State Gazette act
General meeting · Director resignationGeneral meeting · Director resignation · Director appointment3 facts ▸
State Gazette act
General meeting · Director resignation
General meeting · Director resignation · Director appointment3 facts ▸
- General meeting, 2026-03-26
- Director resignation, Haccourt Sébastien (Administrateur)
- Director appointment, Loneux Bruno (Administrateur)
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-4k ▼146%
Net result drops to €-4k, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Highest result since 2023net €9k ▲472%
Operating result €11k, net result €9k, both a record.
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2026
Loneux Bruno
CurrentDirector · since 26-03-2026
26-03-2026
Loneux Bruno: Appointed as Director
26-03-2026
Haccourt Sébastien: Resigned as Director
Location & real-estate footprint
Registered office, Seraing · 1 establishment unit since 2023
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.
Rue du Buisson 1554100 SeraingGround area
270 m²
Building footprint
225 m²
Volume, LiDAR
1,170 m³
Parcel 62357G0802/00H009, Wallonia · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Drive & Co
since 20232.349.243.790
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62357G0802/00H009 | Wallonia | 270 m² | 1 · 225 m² | 7.0 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
Star Garage
BE 0766.464.801
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CAL' FAIT CARS
BE 0666.951.511
Wemmel · Eq €9k
MKR NETTOYAGE MKR AUTOMOBILE
BE 0694.690.244
Verviers · Eq €9k
GARAGE PASCAL DAHM
BE 0737.661.640
Sankt Vith · Eq €9k
WRM CARS
BE 0825.681.717
Gembloux · Eq €9k
Of 10,620 companies in sector 47811 we hold annual accounts for 5,193. 1,976 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-05-2023
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
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)
45310
45402
46720Wholesale of motor vehicle parts and accessories
47830Retail sale of motorcycles and motorcycle parts and accessories
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info.driveandco@gmail.com