GARAGE AUTO-CENTRA
ActiveSummary
GARAGE AUTO-CENTRA has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93k and a net result of €27k. Equity is growing by ~45.5% per year across the filed fiscal years. Its solvency ranks better than 72% of 2544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-5
Solvency87▲+17
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.14 against 1.87 in 2024; short-term debt: 33.1% and cash: 53.8% of total assets), and 38% of the assets are financed with debt.
Credit advice 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 · 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
62%
Return on assets
18.2%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 04-03-2026, 57 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
57 d early
2024
41 d early
2023
53 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€93k▲ 41.6%
2024 · €66k
2023: €33k
2024: €66k
2023 → 2025
Total assets
€150k▲ 3.4%
2024 · €145k
2023: €132k
2024: €145k
2023 → 2025
Net result
€27k▼ 15.8%
2024 · €33k
2023: €28k
2024: €33k
2023 → 2025
Working capital
€57k▲ 12.5%
2024 · €50k
2023: €10k
2024: €50k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€33k-€66k▲ 97.7%€93k▲ 41.6%
Operating result€40k-€47k▲ 17.8%€39k▼ 16.9%
Net result€28k-€33k▲ 15.0%€27k▼ 15.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 17% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €150k
Fixed assets
€44k ▲ 18.8%
Current assets
€106k ▼ 1.8%
Equity and liabilities €150k
Equity
€93k ▲ 41.6%
Debt
€57k ▼ 28.2%
Debt's share of the balance-sheet total falls from 54.7% to 38.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€61k▼
2024 · €67k
Cash flow
€50k▼
2024 · €53k
Current ratio
2.14▲
2024 · 1.87
Quick ratio
1.87▲
2024 · 1.59
Debt to equity
0.61▼
2024 · 1.21
ROE
29.4%▼
2024 · 49.4%
ROA
18.2%▼
2024 · 22.4%
Interest coverage
43.79▲
2024 · 34.20
Debt ≤ 1 year
€50k▼
2024 · €58k
Debt > 1 year
€7k▼
2024 · €21k
Income taxes
€10k▼
2024 · €12k
Staff costs
€66k▲
2024 · €65k
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 · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€145k€150k▲
Fixed assets21/28€37k€44k▲
Tangible fixed assets22/27€36k€43k▲
Plant, machinery and equipment23€7k€4k▼
Furniture and vehicles24€29k€39k▲
Financial fixed assets28€600€600=
Current assets29/58€108k€106k▼
Stocks and contracts in progress3€16k€14k▼
Stocks30/36€16k€14k▼
Amounts receivable within one year40/41€14k€12k▼
Trade receivables40€14k€12k▼
Other amounts receivable41€84-
Cash at bank and in hand54/58€78k€81k▲
Deferred charges and accrued income490/1-€153
Equity and liabilities
Total equity and liabilities10/49€145k€150k▲
Equity10/15€66k€93k▲
Contributions10/11€5k€5k=
Reserves13€61k€88k▲
Distributable reserves133€61k€88k▲
Amounts payable17/49€79k€57k▼
Amounts payable after more than one year17€21k€7k▼
Financial debts170/4€21k€7k▼
Amounts payable within one year42/48€58k€50k▼
Current portion of amounts payable after more than one year42€15k€14k▼
Trade debts44€7k€4k▼
Suppliers440/4€7k€4k▼
Taxes, remuneration and social security45€27k€25k▼
Taxes450/3€21k€19k▼
Remuneration and social security454/9€7k€6k▼
Other amounts payable47/48€10k€6k▼
Accrued charges and deferred income492/3€132-
Income statement
Code20242025
Remuneration, social security and pensions62€65k€66k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€22k▲
Other operating charges640/8€1k€939▼
Gross operating margin9900€134k€127k▼
Operating profit (loss)9901€47k€39k▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€45k€37k▼
Income taxes67/77€12k€10k▼
Profit (loss) for the period9904€33k€27k▼
Profit (loss) for the period to be appropriated9905€33k€27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€33k€27k▼
Transfer to equity691/2€33k€27k▼
To other reserves6921€33k€27k▼
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
04-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €27k ▼15.8%
Net result drops to €27k, the lowest in the series.
20-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2023net €33k ▲15%
Operating result €47k, net result €33k, both a record.
08-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Rijkevorsel · 1 establishment unit since 2022
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.
Vonderstraat 92310 RijkevorselGround area
1,087 m²
Building footprint
377 m²
Volume, LiDAR
2,067 m³
2 parcels, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GARAGE AUTO-CENTRA
since 20222.338.903.491
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13037H0524/00Y004 | Flanders | 849 m² | 1 · 139 m² | 8.5 m · 2 fl. |
| 13014D0168/00N002 | Flanders | 238 m² | 1 · 238 m² | 10.6 m · 2 fl. |
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
VAG AUTO PARTS
BE 0632.745.846
Fléron · Eq €92,900
BY & CAR
BE 0871.440.575
Ans · Eq €92,886
GARAGE WEYTEN
BE 0404.327.573
Antwerpen · Eq €92,825
CARROSSERIE MATHAY ET FILS
BE 0862.572.795
Sint-Jans-Molenbeek · Eq €92,610
Brumagne Motors & Eagle Coach Europe
BE 0471.512.941
Wavre · Eq €92,345
Of 7,375 companies in sector 95311 we hold annual accounts for 2,959. 2,304 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
Founded14-12-2022
Fiscal year end30-09
Activities, NACEBEL 2025
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95313Repair and fitting of specific motor vehicle parts
95315Tyre services
47820Retail sale of motor vehicle parts and accessories
95314Bodywork repair (including spraying and painting)
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.