GARAGE BONGARTZ
ActiveGARAGE BONGARTZ has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €672k and a net result of €24k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 18016 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability18▼-27
Solvency100=
Growth59▼-17
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 43.92 against 16.78 in 2024), and 2% 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.
−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
98%
Return on assets
3.6%
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 29-08-2026, 29 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 · 10 filingsDeviation from the deadline
2025
29 d late
2024
29 d late
2023
23 d late
2022
23 d late
2021
38 d early
2020
2 d early
2019
51 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, micro schema
Turnover
€793k▼ 3.3%
2021 · €820k
2020: €636k
2021: €820k
2020 → 2022
EBIT margin
4.3%=
2021 · 4.4%
2020: 3.2%
2021: 4.4%
2020 → 2022
Net result
€24k▼ 58.4%
2024 · €59k
2018: €38k
2019: €46k
2020: €27k
2021: €25k
2022: €23k
2023: €29k
2024: €59k
2018 → 2025
Working capital
€581k▲ 6.8%
2024 · €544k
2018: €389k
2019: €333k
2020: €335k
2021: €355k
2022: €418k
2023: €478k
2024: €544k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€820k-€793k▼ 3.3%
Equity€537k-€560k▲ 4.4%€589k▲ 5.2%€648k▲ 9.9%€672k▲ 3.8%
Operating result€36k-€34k▼ 3.5%€42k▲ 22.4%€78k▲ 85.5%€30k▼ 62.1%
Net result€25k-€23k▼ 6.3%€29k▲ 24.6%€59k▲ 101%€24k▼ 58.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 62% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €686k
Fixed assets
€91k▼ 12.4%
Current assets
€595k▲ 2.8%
Equity and liabilities €686k
Equity
€672k▲ 3.8%
Debt
€14k▼ 61.2%
The debt ratio falls from 5.1% to 2.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€64k▼
2024 · €109k
Cash flow
€59k▼
2024 · €90k
Solvency
98.0%▲
2024 · 94.9%
Current ratio
43.92▲
2024 · 16.78
Quick ratio
34.88▲
2024 · 14.93
Debt / equity
0.02▼
2024 · 0.05
ROE
3.6%▼
2024 · 9.0%
ROA
3.6%▼
2024 · 8.6%
Interest coverage
426.79▼
2024 · 733.69
Debt
€14k▼
2024 · €35k
Debt ≤ 1 year
€14k▼
2024 · €34k
Income taxes
€12k▼
2024 · €25k
Staff costs
€16k▲
2024 · €16k
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€683k€686k▲
Formation expenses20€0€0=
Fixed assets21/28€104k€91k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€104k€91k▼
Land and buildings22€52k€43k▼
Plant, machinery and equipment23€5k€5k▼
Furniture and vehicles24€47k€43k▼
Financial fixed assets28€250€250=
Current assets29/58€579k€595k▲
Stocks and contracts in progress3€64k€122k▲
Stocks30/36€64k€122k▲
Amounts receivable within one year40/41€26k€25k▼
Trade receivables40€26k€17k▼
Other amounts receivable41-€8k
Current investments50/53€300k€300k=
Cash at bank and in hand54/58€185k€138k▼
Deferred charges and accrued income490/1€4k€9k▲
Equity and liabilities
Total equity and liabilities10/49€683k€686k▲
Equity10/15€648k€672k▲
Contributions10/11€8k€8k=
Reserves13€144k€168k▲
Tax-exempt reserves132€10k€10k=
Distributable reserves133€134k€158k▲
Profit (loss) carried forward14€496k€496k▲
Amounts payable17/49€35k€14k▼
Amounts payable within one year42/48€34k€14k▼
Trade debts44€10k€3k▼
Suppliers440/4€10k€3k▼
Taxes, remuneration and social security45€25k€11k▼
Taxes450/3€19k€5k▼
Remuneration and social security454/9€5k€6k▲
Other amounts payable47/48€0€0=
Accrued charges and deferred income492/3€387€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€16k€16k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€35k▲
Other operating charges640/8€10k€7k▼
Gross operating margin9900€135k€88k▼
Operating profit (loss)9901€78k€30k▼
Financial income75/76B€5k€6k▲
Recurring financial income75€5k€6k▲
Financial charges65/66B€149€151▲
Recurring financial charges65€149€151▲
Profit (loss) for the period before taxes9903€83k€36k▼
Income taxes67/77€25k€12k▼
Profit (loss) for the period9904€59k€24k▼
Profit (loss) for the period to be appropriated9905€59k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€554k€520k▼
Profit (loss) brought forward from the previous period14P€495k€496k▲
Transfer to equity691/2€58k€24k▼
To other reserves6921€58k€24k▼
Social balance
Average headcount (FTE)90871.0-
The notes to these accounts (10 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
31-12
Financial
Liquidity triplescurrent ratio 43.92
Current ratio from 16.78 to 43.92; short-term debt falls from €34k to €14k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €59k ▲101%
Operating result €78k, net result €59k, both a record.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 23 days late
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 23 days late
2022
31-12
Financial
Weakest financial yearnet €23k ▼6.3%
Net result drops to €23k, the lowest in the series; recovery starts the following year.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €500kEq €512k ▲5.5%
3 profitable years in a row build equity to €512k.
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
01-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Amel · 1 establishment unit since 2000
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.
Mirfeld,Quirinusstraße 64770 Amel1 establishment unit
Mirfeld,Quirinusstraße 6, 4770 Amel
since 20002.131.661.409
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Balen · Eq €672k
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GARAGE DELHOUX PAUL
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AUTOBEDRIJF KEERSEBILCK
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Of 10,618 companies in sector 47811 we hold annual accounts for 5,192. 3,245 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-2000
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50103
50200
47820Retail sale of motor vehicle parts and accessories
50302
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filings
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.garage-bongartz.be
E-mail:info@garage-bongartz.be