Garage Belauto
ActiveGarage Belauto has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €763k and a net result of €9k. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 76% of 10242 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
86
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability6▼-34
Solvency99▲+1
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 2.83 against 2.58 in 2024), and 36.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 · 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
63.7%
Return on assets
0.8%
Age of the figures
8 mo
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
2 d early
2023
47 d late
2022
33 d early
2021
43 d early
2020
32 d early
2019
44 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€763k▲ 0.8%
2024 · €757k
2018: €480k
2019: €505k
2020: €524k
2021: €555k
2022: €593k
2023: €698k
2024: €757k
2018 → 2025
Total assets
€1.20M▼ 6.7%
2024 · €1.28M
2018: €973k
2019: €1.26M
2020: €1.15M
2021: €1.14M
2022: €1.07M
2023: €1.23M
2024: €1.28M
2018 → 2025
Net result
€9k▼ 85.2%
2024 · €61k
2018: €47k
2019: €25k
2020: €21k
2021: €34k
2022: €41k
2023: €153k
2024: €61k
2018 → 2025
Working capital
€637k▼ 1.3%
2024 · €646k
2018: €400k
2019: €436k
2020: €400k
2021: €456k
2022: €485k
2023: €593k
2024: €646k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€555k-€593k▲ 6.9%€698k▲ 17.8%€757k▲ 8.3%€763k▲ 0.8%
Operating result€45k-€60k▲ 33.9%€225k▲ 275%€86k▼ 61.6%€16k▼ 81.7%
Net result€34k-€41k▲ 20.7%€153k▲ 276%€61k▼ 60.2%€9k▼ 85.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 82% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.20M
Fixed assets
€213k▼ 6.7%
Current assets
€984k▼ 6.7%
Equity and liabilities €1.20M
Equity
€763k▲ 0.8%
Debt
€435k▼ 17.4%
The debt ratio falls from 41.0% to 36.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€52k▼
2024 · €121k
Cash flow
€45k▼
2024 · €96k
Solvency
63.7%▲
2024 · 59.0%
Current ratio
2.83▲
2024 · 2.58
Quick ratio
1.99▲
2024 · 1.59
Debt / equity
0.57▼
2024 · 0.70
ROE
1.2%▼
2024 · 8.1%
ROA
0.8%▼
2024 · 4.8%
Interest coverage
13.56▼
2024 · 28.10
Debt
€435k▼
2024 · €527k
Debt ≤ 1 year
€347k▼
2024 · €409k
Debt > 1 year
€88k▼
2024 · €118k
Income taxes
€4k▼
2024 · €25k
Staff costs
€243k▲
2024 · €217k
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€1.28M€1.20M▼
Fixed assets21/28€229k€213k▼
Tangible fixed assets22/27€229k€213k▼
Plant, machinery and equipment23€85k€104k▲
Other tangible fixed assets26€144k€109k▼
Current assets29/58€1.05M€984k▼
Stocks and contracts in progress3€404k€292k▼
Stocks30/36€404k€292k▼
Amounts receivable within one year40/41€130k€268k▲
Trade receivables40€130k€259k▲
Other amounts receivable41-€9k
Cash at bank and in hand54/58€520k€424k▼
Equity and liabilities
Total equity and liabilities10/49€1.28M€1.20M▼
Equity10/15€757k€763k▲
Contributions10/11€31k€31k=
Reserves13€721k€726k▲
Distributable reserves133€721k€726k▲
Profit (loss) carried forward14€5k€5k▲
Amounts payable17/49€527k€435k▼
Amounts payable after more than one year17€118k€88k▼
Financial debts170/4€118k€88k▼
Amounts payable within one year42/48€409k€347k▼
Current portion of amounts payable after more than one year42€29k€30k▲
Trade debts44€375k€302k▼
Suppliers440/4€375k€302k▼
Taxes, remuneration and social security45€5k€15k▲
Taxes450/3€870€13k▲
Remuneration and social security454/9€4k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€217k€243k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€36k▲
Other operating charges640/8€7k€4k▼
Gross operating margin9900€345k€298k▼
Operating profit (loss)9901€86k€16k▼
Financial income75/76B€5k€1k▼
Recurring financial income75€5k€1k▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€87k€13k▼
Income taxes67/77€25k€4k▼
Profit (loss) for the period9904€61k€9k▼
Profit (loss) for the period to be appropriated9905€61k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€65k€14k▼
Profit (loss) brought forward from the previous period14P€4k€5k▲
Transfer to equity691/2€57k€6k▼
To other reserves6921€57k€6k▼
Profit to be distributed694/7€3k€3k=
Employees696€3k€3k=
Social balance
Average headcount (FTE)90873.74.5▲
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €9k ▼85.2%
Net result drops to €9k, the lowest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
16-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 47 days late
2023
31-12
Financial
Highest result since 2018net €153k ▲276%
Operating result €225k, net result €153k, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
18-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
17-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €500kEq €505k ▲5.1%
2 profitable years in a row build equity to €505k.
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Mortsel · 1 establishment unit since 1955
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.
Antwerpsestraat 1292640 MortselGround area
769 m²
Building footprint
945 m²
Volume, LiDAR
4,778 m³
Parcel 11513C0026/00N002, Flanders · tallest building 13.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BELAUTO BVBA
since 19552.005.146.485
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11513C0026/00N002 | Flanders | 769 m² | 1 · 945 m² | 13.1 m · 1 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
AUTO'S MARC
BE 0431.650.493
Leuven · Eq €762k
Garage L. Blancquaert
BE 0416.661.520
Laarne · Eq €764k
Lekenne
BE 0437.711.906
Bierbeek · Eq €761k
GARAGE GOVAERTS HUGO
BE 0449.177.997
Linter · Eq €761k
VAN OOST CARS
BE 0820.204.383
Torhout · Eq €765k
Of 10,615 companies in sector 47811 we hold annual accounts for 5,191. 3,169 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-01-1968
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50200
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.