ESPRIT CAR
ActiveSummary
ESPRIT CAR has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €22k and a net result of €7k. Equity is growing by ~11% per year across the filed fiscal years. Its solvency ranks better than 38% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability76▲+43
Solvency44▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 0.95 in 2023; short-term debt: 54.4% and cash: 24.3% of total assets), and 81% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 47
Relative position
BE, all sectors
reference
Sector 47
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
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 2024Solvency, return and age of the figures
Solvency
19%
Return on assets
6%
Age of the figures
21 mo
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-08-2025, 14 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
14 d late
2023
34 d early
2022
74 d early
2021
54 d early
2020
40 d early
2019
50 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€22k▲ 46.4%
2023 · €15k
2018: €10k
2019: €11k
2020: €11k
2021: €-334
2022: €14k
2023: €15k
2018 → 2024
Total assets
€114k▲ 19.9%
2023 · €95k
2018: €21k
2019: €69k
2020: €71k
2021: €64k
2022: €91k
2023: €95k
2018 → 2024
Net result
€7k▲ 1,339%
2023 · €476
2018: €-1k
2019: €1k
2020: €583
2021: €-11k
2022: €15k
2023: €476
2018 → 2024
Working capital
€2k
2023 · €-3k
2018: €10k
2019: €4k
2020: €4k
2021: €-11k
2022: €-490
2023: €-3k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€11k-€-334€14k€15k▲ 3.3%€22k▲ 46.4%
Operating result€2k-€-10k€16k€3k▼ 81.8%€11k▲ 281%
Net result€583-€-11k€15k€476▼ 96.7%€7k▲ 1,339%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 281% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €114k
Fixed assets
€50k ▼ 1.0%
Current assets
€63k ▲ 44.0%
Equity and liabilities €114k
Equity
€22k ▲ 46.4%
Debt
€92k ▲ 15.0%
Debt's share of the balance-sheet total falls from 84.4% to 81.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€12k▲
2023 · €4k
Cash flow
€7k▲
2023 · €1k
Current ratio
1.03▲
2023 · 0.95
Quick ratio
0.67▲
2023 · 0.64
Debt to equity
4.25▼
2023 · 5.41
ROE
31.7%▲
2023 · 3.2%
ROA
6.0%▲
2023 · 0.5%
Interest coverage
5.94▲
2023 · 1.66
Debt ≤ 1 year
€62k▲
2023 · €47k
Debt > 1 year
€30k▼
2023 · €33k
Income taxes
€2k▲
2023 · €291
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 · 41 lines
Balance sheet
Code20232024
Assets
Total assets20/58€95k€114k▲
Fixed assets21/28€51k€50k▼
Tangible fixed assets22/27€51k€50k▼
Land and buildings22€50k€50k=
Furniture and vehicles24€726€203▼
Current assets29/58€44k€63k▲
Stocks and contracts in progress3€14k€22k▲
Stocks30/36€14k€22k▲
Amounts receivable within one year40/41€447€13k▲
Trade receivables40€447€12k▲
Other amounts receivable41-€824
Cash at bank and in hand54/58€28k€28k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€95k€114k▲
Equity10/15€15k€22k▲
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Profit (loss) carried forward14€-4k€3k▲
Amounts payable17/49€80k€92k▲
Amounts payable after more than one year17€33k€30k▼
Financial debts170/4€33k€30k▼
Amounts payable within one year42/48€47k€62k▲
Current portion of amounts payable after more than one year42€3k€3k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€679€3k▲
Taxes450/3€679€3k▲
Other amounts payable47/48€40k€53k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€646€523▼
Other operating charges640/8€307€466▲
Gross operating margin9900€4k€12k▲
Operating profit (loss)9901€3k€11k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€766€9k▲
Income taxes67/77€291€2k▲
Profit (loss) for the period9904€476€7k▲
Profit (loss) for the period to be appropriated9905€476€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€3k▲
Profit (loss) brought forward from the previous period14P€-4k€-4k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-11k ▼2061%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
21-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
2016
25-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Charleroi · 1 establishment unit since 2007
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 de la Corniche 486010 CharleroiGround area
1.3 ha
Building footprint
982 m²
Volume, LiDAR
1,725 m³
2 parcels, Wallonia · tallest building 8.2 m. Linked by address, not a title deed.
1 establishment unit
ESPRIT CAR
since 20072.166.708.004
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52014A0268/00Y010 | Wallonia | 1.3 ha | 1 · 930 m² | 8.2 m |
| 52014B0367/00E047 | Wallonia | 303 m² | 1 · 52 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
"KAZIMMO"
BE 0793.453.466
Jemeppe-sur-Sambre · Eq €21,616
AUTO LOCATION
BE 0454.893.376
La Louvière · Eq €21,672
IS KOROMBE
BE 0779.433.404
Antwerpen · Eq €21,676
AGL MOTORS
BE 0804.449.011
Sint-Pieters-Leeuw · Eq €21,539
Mk&Gr
BE 0439.996.948
Machelen (Brab.) · Eq €21,479
Of 10,671 companies in sector 47811 we hold annual accounts for 5,222. 2,725 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
Founded17-10-2007
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46711Wholesale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.