Result
€228,185 ▲ 178%
The result rose in 2025 from €82,044 to €228,185.
Felix & Jos
Lifetime
3 annual accounts with figures on one time axispeak €1.2m (2025)
€1.2m▲ 8.4%
lowest -€114,321 (2023)
€228,185▲ 178%
peak €205,909 (2025)
€205,909▲ €228,185
€2.7m▼ 5.0%
peak 11.8 FTE (2023)
9.4 FTE▼ 19.7%
Board4 names since 2022
3 directorsGERMANUS and 2 others
Owners3 names in the annual accounts
60%GERMANUS and 1 other
Documentsfilings and deeds
19-06-202642 days before the deadline
2025abbreviated format
Result from €82,044 to €228,185Staff from 11.7 FTE to 9.4 FTEAppointment: MILIO BV (director) 19-05Equity from -€22,276 to €205,909Cash from €10,308 to €48,877
Key points
from the 2025 annual accountsTurnover
≈ €4.7m estimated
The abbreviated format states no turnover.
Debts
€2.7m 93% of the balance sheet
Financial debts 10%Suppliers 21%Taxes and wages 6%Other 63%
Of this, €2.6m falls due within a year.
Investments
€127,344 3.3 × depreciation
Green is investment, beige is depreciation.
Staff
8 employees on 31-12-2025
In 2025, 2 people joined and 8 left.
Position in the sector
€228,185
Higher net result than 90% of companies in retail trade. Sector median €27,487 · 12,827 companies.
Checked score
54
Fair
Financially stronger than 48% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.0% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,280 companies (NACE 47, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.9%
01-2025: 2.9%● unchanged vs 12-2024
02-2025: 2.9%● unchanged vs 01-2025
03-2025: 2.9%● unchanged vs 02-2025
04-2025: 3.0%▲ +0.1 percentage points vs 03-2025highest value
05-2025: 2.8%▼ -0.2 percentage points vs 04-2025
06-2025: 2.9%▲ +0.1 percentage points vs 05-2025
07-2025: 2.8%▼ -0.1 percentage points vs 06-2025
08-2025: 2.6%▼ -0.2 percentage points vs 07-2025
09-2025: 2.6%● unchanged vs 08-2025
10-2025: 2.6%● unchanged vs 09-2025
11-2025: 2.6%● unchanged vs 10-2025
12-2025: 2.6%● unchanged vs 11-2025
01-2026: 2.6%● unchanged vs 12-2025
02-2026: 2.6%● unchanged vs 01-2026
03-2026: 2.9%▲ +0.3 percentage points vs 02-2026
04-2026: 2.9%● unchanged vs 03-2026
05-2026: 2.9%● unchanged vs 04-2026
06-2026: 2.7%▼ -0.2 percentage points vs 05-2026
07-2026: 2.0%▼ -0.7 percentage points vs 06-2026
08-2026: 2.0%● unchanged vs 07-2026
09-2026: 2.0%● unchanged vs 08-2026
10-2026: 2.0%● unchanged vs 09-2026lowest value
11-2026: 2.0%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Equity €205,909 (7.2% of total assets)
Founded in 2022
Liquidity: current ratio 1.02, cash €48,877
lowers risk
Figures for financial year 2025 (filed on 19-06-2026)
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 47, micro). It does better than 24% of them on solvency, 4% on liquidity, 65% on profitability and 99% on growth.
The bankruptcy probability was computed on 06-11-2026 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 moderate class on 30-06-2025, 2.4% 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, 2,157 companies had the same profile as Felix & Jos has now. Each dot stands for 6 companies, two years later.
94.1%
were still trading
2.8%
stopped another way
3.0%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Felix & Jos itself: 2.0% 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 2,157 companies, not a prediction for Felix & Jos. 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
Credit of up to €11,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.02 (0.92 in 2024), below the usual 1.5. Short-term debt is 92.1% and cash 1.7% of total assets. 92.8% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 12838 sector peers (2025).
NBB · sector comparisonPosition among 12838 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-06-2026, 42 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
42 days early
2024
16 days early
2023
20 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 26 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 12 July (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
CS
Come.s BV
Director, Stijn Sioulants, since 15-01-2024
- GERMANUS 60%score 90equity €14.7m (2025) · 2025 annual accounts of GERMANUS
- Milio 20%equity €3.4m (2026) · 31-03-2026 annual accounts of Milio
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0792555425
Appointment: MILIO BV (director)
Permanent representative: Jens Sneyers · General meeting of 14-02-2025 · Gazette deed
New director
BV Come.s appointed, BV Paardekracht 2.0 resigned · Permanent representatives: Rozanne Mertens and Stijn Sioulants · Director discharge: BV Paardekracht 2.0 (director (not named in the articles)) · General meeting of 15-01-2024 · Gazette deed
Incorporation
Founding capital of €10,000, 100 shares · Founders: GERMANUS and PAARDEKRACHT 2.0 · Appointments: GERMANUS (statutory director) and PAARDEKRACHT 2.0 (statutory director) · published on 19-10-2022 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Felix & Jos Beringen | €2.9m | €1.2m | 7.2% | 9.4 |
| DUFOUR MONS Saint-Ghislain | €3.3m | €1.2m | 17.7% | 7.7 |
| CLOSE GARAGE Durbuy | €2.2m | €0.7m | 4.7% | 11.4 |
| FALCOMOTIVE Sint-Truiden | €3.4m | €0.6m | 7.7% | 7.9 |
| LV AUTOMOTIVE Wervik | €2.2m | €1.0m | 28.0% | 8.2 |
| CINEY AUTOMOBILES Ciney | €2.6m | €0.8m | 5.5% | 10 |
| MOBICARE Liège | €2.1m | €0.5m | -4.0% | 10.9 |
These companies have the same main activity as Felix & Jos: retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811). They are comparable in size and age: total assets between €2.1m and €3.4m, founded between 2019 and 2024.
Official details
Source: KBO- Status
- Active since 17-10-2022Normal situation
- Activity
- Retail sale of cars and light vans (up to 3.5 tonnes)NACE 47811and 5 others
- Joint committees
- 112Garages
- 200Auxiliary committee for white-collar workers · annual accounts 2025
- Establishment unit
- 2.337.668.7223580 Beringen, since 17-10-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 07-08-2025
Annual accounts 2025
- €2.9m▲ 3.2%
- Employeeson 31-12-2025
- 8▼ 38.5%
- Filing
- Filed on 19-06-2026, 42 days before the end of the filing period
Insights on Felix & Jos
Felix & Jos files the abbreviated format. That format states no turnover. The gross margin rose from €885,290 in 2023 to €1.2m in 2025.
GERMANUS holds 60% of the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Felix & Jos
- What is the company number of Felix & Jos?
- The company number of Felix & Jos is 0792.555.425. The VAT number is the same number with BE in front: BE 0792.555.425.
- Where is Felix & Jos based?
- The registered office is at Hasseltsesteenweg 143, 3580 Beringen.Company details
- What does Felix & Jos do?
- According to the KBO register, the main activity is retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811).
- What is the legal form of Felix & Jos?
- Felix & Jos is a private limited company (BV).
- When was Felix & Jos founded?
- Felix & Jos was founded on 17-10-2022.
- Is Felix & Jos still active?
- Yes, Felix & Jos is an active enterprise in the KBO register.
- How many employees does Felix & Jos have?
- Felix & Jos had an average of 9.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does Felix & Jos fall under?
- In its 2025 annual accounts, Felix & Jos states joint committees 112 (Garages) and 200 (Auxiliary committee for white-collar workers).
- What is the turnover of Felix & Jos?
- The turnover in financial year 2025 is ≈ €4.7m. This figure is estimated from the gross margin of €1.2m and 88 comparable companies (NACE 47). It probably lies between €2.8m and €8.4m.
- Is Felix & Jos profitable?
- In financial year 2025, Felix & Jos made a profit of €228,185.
- Where can I find the annual accounts of Felix & Jos?
- Felix & Jos filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Felix & Jos due?
- Felix & Jos must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See which support similar companies received that this one did not.Subsidies See the other companies in the same group.GERMANUS · 15 companies
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