GARAGE CARPENTIER
ActiveGARAGE CARPENTIER has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €534k and a net result of €80k. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 71% of 4149 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
83
/ 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
Profitability79▲+3
Solvency82▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 2.18 against 1.89 in 2024; short-term debt: 42.9% and cash: 42.1% of total assets), and 43.2% 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
56.8%
Return on assets
8.5%
Age of the figures
9 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 31-08-2026, 31 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
31 d late
2024
6 d late
2023
1 d early
2022
3 d early
2021
3 d early
2020
9 d early
2019
30 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€80k▲ 66.7%
2024 · €48k
2018: €30k
2019: €15k
2020: €17k
2021: €55k
2022: €9k
2023: €47k
2024: €48k
2018 → 2025
Working capital
€478k▲ 33.9%
2024 · €357k
2018: €230k
2019: €247k
2020: €275k
2021: €330k
2022: €313k
2023: €332k
2024: €357k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€415k-€391k▼ 5.6%€426k▲ 8.8%€454k▲ 6.6%€534k▲ 17.7%
Operating result€79k-€18k▼ 77.1%€72k▲ 294%€75k▲ 4.1%€120k▲ 61.2%
Net result€55k-€9k▼ 83.6%€47k▲ 421%€48k▲ 2.5%€80k▲ 66.7%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 61% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €941k
Fixed assets
€59k▼ 39.4%
Current assets
€882k▲ 16.2%
Equity and liabilities €941k
Equity
€534k▲ 17.7%
Debt
€406k▲ 1.0%
The debt ratio falls from 47.0% to 43.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€138k▲
2024 · €99k
Cash flow
€97k▲
2024 · €72k
Solvency
56.8%▲
2024 · 53.0%
Current ratio
2.18▲
2024 · 1.89
Quick ratio
1.02▲
2024 · 0.91
Debt / equity
0.76▼
2024 · 0.89
ROE
15.0%▲
2024 · 10.6%
ROA
8.5%▲
2024 · 5.6%
Interest coverage
16.70▲
2024 · 11.03
Debt
€406k▲
2024 · €402k
Debt ≤ 1 year
€404k▲
2024 · €402k
Income taxes
€35k▲
2024 · €20k
Staff costs
€53k▲
2024 · €45k
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€856k€941k▲
Fixed assets21/28€97k€59k▼
Tangible fixed assets22/27€97k€59k▼
Land and buildings22€47k€39k▼
Plant, machinery and equipment23€26k€20k▼
Furniture and vehicles24€24k€0▼
Current assets29/58€759k€882k▲
Stocks and contracts in progress3€392k€471k▲
Stocks30/36€392k€471k▲
Amounts receivable within one year40/41€24k€14k▼
Trade receivables40€15k€9k▼
Other amounts receivable41€9k€5k▼
Cash at bank and in hand54/58€342k€396k▲
Equity and liabilities
Total equity and liabilities10/49€856k€941k▲
Equity10/15€454k€534k▲
Contributions10/11€75k€75k=
Capital10€75k€75k=
Issued capital100€75k€75k=
Reserves13€379k€459k▲
Non-distributable reserves130/1€8k€8k=
Legal reserve130€8k€8k=
Tax-exempt reserves132€30k€30k=
Distributable reserves133€342k€422k▲
Amounts payable17/49€402k€406k▲
Amounts payable within one year42/48€402k€404k▲
Trade debts44€349k€346k▼
Suppliers440/4€349k€346k▼
Taxes, remuneration and social security45€21k€26k▲
Taxes450/3€6k€16k▲
Remuneration and social security454/9€15k€10k▼
Other amounts payable47/48€32k€32k=
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Remuneration, social security and pensions62€45k€53k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€17k▼
Other operating charges640/8€28k€11k▼
Gross operating margin9900€172k€201k▲
Operating profit (loss)9901€75k€120k▲
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€68k€115k▲
Income taxes67/77€20k€35k▲
Profit (loss) for the period9904€48k€80k▲
Profit (loss) for the period to be appropriated9905€48k€80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€48k€80k▲
Transfer from equity791/2€20k-
Transfer to equity691/2€48k€80k▲
To other reserves6921€48k€80k▲
Profit to be distributed694/7€20k-
Return on contributions (dividend)694€20k-
Social balance
Average headcount (FTE)9087-1.0
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €80k ▲66.7%
Operating result €120k, net result €80k, both a record.
31-12
Financial
Equity above €500kEq €534k ▲17.7%
8 profitable years in a row build equity to €534k.
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 6 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €9k ▼83.6%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Geel · 1 establishment unit since 1993
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.
Winkelomseheide 2352440 GeelGround area
248 m²
Building footprint
278 m²
Volume, LiDAR
779 m³
Parcel 13373K0757/00G000, Flanders · tallest building 5.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
GARAGE CARPENTIER
since 19932.060.574.463
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13373K0757/00G000 | Flanders | 248 m² | 1 · 278 m² | 5.4 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
GARAGE ECREPONT
BE 0462.590.426
Charleroi · Eq €534k
CENTRE AUTO RANCE
BE 0445.077.669
Sivry-Rance · Eq €535k
GARAGE DEGADT
BE 0861.840.644
Gistel · Eq €535k
VAN HAVER
BE 0442.013.162
Lebbeke · Eq €535k
GARAGE AERTS HERMAN
BE 0418.446.914
Putte · Eq €533k
Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 3,412 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded04-12-1992
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95313Repair and fitting of specific motor vehicle parts
50103
50200
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.