Checked.be
Active
BE 0886.913.857Private limited company
GARAGE COLLET CHRISTOPHE
Rue du 24-Août,Houdemont 72 ·6724 Habay, Belgium· 19 yrs active
Sector: Wholesale of cars and light vans (up to 3.5 tonnes)
(46711)
Conclusion
GARAGE COLLET CHRISTOPHE has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €76k and a net result of €-16k. Equity is growing by ~21.2% per year across the filed fiscal years. Its solvency ranks better than 37% of 875 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €76k |
| Net result | €-16k |
| Staff (FTE) | 2.7 |
| Better than sector | 37% |
Financial profile
37
/ 100
Fragile profile, watch profitability in particular.
All 5 axes are computed from data Checked has read.
Health
15
Profitability
0
Solvency
17
Growth
52
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2007, 19 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
15
/ 100
Critical
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
No credit
negative equity or figures too weak
Score history
38
2022
71
2023
71
2024
15
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 0.73 (< 1.0)
-10
Quick ratio
Quick ratio 0.21 (< 0.6)
-5
Leverage
Debt/equity 4.76 (> 3.0)
-10
Profitability
Negatieve ROE -21%
-10
Interest coverage
Interest coverage 2.7×
+3
Profit trend
Net profit down YoY
-3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 27-08-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~21.2%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 17.4% | 35.1% | |
| Net result | €-16k | €10k | |
| Equity | €76k | €40k | |
| Gross operating margin | €185k | €32k | |
| Staff costs | €130k | €33k |
€45k
-42.7%
22-25
€-16k
-
22-25
€29k
-49.2%
22-25
€439k
+6.5%
22-25
€76k
-17.3%
22-25
€-78k
-
22-25
3
+22.7%
22-25
€130k
+24.5%
22-25
€0
-100.0%
22-25
€363k
+13.4%
22-25
€291k
+22.4%
22-25
€71k
-13.6%
22-25
0.73
-46.7%
22-25
0.21
-67.1%
22-25
17.4%
-22.4%
22-25
4.76
+37.1%
22-25
-21.0%
-
22-25
-3.6%
-
22-25
2.71
-57.8%
22-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Deposit | micro schema | micro schema | full schema | micro schema |
| Revenue | - | - | - | - |
| EBITDA | €45k | €79k | €71k | €49k |
| Net profit | €-16k | €23k | €16k | €-6k |
| Cash flow | €29k | €57k | €62k | €42k |
| Staff costs | €130k | €105k | €122k | €106k |
| Income taxes | €0 | €9k | €989 | €0 |
| Dividends | - | - | - | - |
| Total assets | €439k | €413k | €321k | €364k |
| Equity | €76k | €92k | €69k | €53k |
| Debt | €363k | €320k | €252k | €311k |
| of which ≤ 1y | €291k | €238k | €141k | €167k |
| of which > 1y | €71k | €82k | €109k | €143k |
| Working capital | €-78k | €89k | €25k | €81k |
| Employees (FTE) | 2.7 | 2.2 | 2.9 | 3.2 |
Note: these years are not on the same basis. The filed schemas differ (micro schema, full schema), so the columns are not directly comparable.
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 0.73 | 1.37 | 1.18 | 1.48 |
| Quick ratio | 0.21 | 0.65 | 0.73 | 0.53 |
| Working capital ratio | -17.8% | 21.6% | 7.8% | 22.3% |
| Solvency | 17.4% | 22.4% | 21.6% | 14.6% |
| Debt / equity | 4.76 | 3.47 | 3.63 | 5.84 |
| Long-term debt ratio | 0.93 | 0.89 | 1.58 | 2.70 |
| Interest coverage | 2.71 | 6.41 | 8.33 | 6.73 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | -3.6% | 5.6% | 5.0% | -1.7% |
| ROE | -21.0% | 25.0% | 23.2% | -11.7% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (26 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €439k | €413k | €321k | €364k |
| Fixed assets | 21/28 | €226k | €85k | €155k | €116k |
| Tangible fixed assets | 22/27 | €226k | €85k | €154k | €115k |
| Financial fixed assets | 28 | €400 | €400 | €400 | €400 |
| Current assets | 29/58 | €213k | €327k | €166k | €248k |
| Stocks & contracts in progress | 3 | €151k | €173k | €63k | €160k |
| Amounts receivable within one year | 40/41 | €43k | €41k | €66k | €32k |
| Investments | 50/53 | - | - | - | €0 |
| Cash & bank | 54/58 | €9k | €105k | €28k | €49k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €439k | €413k | €321k | €364k |
| Equity | 10/15 | €76k | €92k | €69k | €53k |
| Contributions / capital | 10/11 | €12k | €12k | €12k | €12k |
| Reserves | 13 | €80k | €80k | €57k | €47k |
| Accumulated profits (losses) | 14 | €-16k | - | €0 | €-6k |
| Amounts payable | 17/49 | €363k | €320k | €252k | €311k |
| Amounts payable after one year | 17 | €71k | €82k | €109k | €143k |
| Amounts payable within one year | 42/48 | €291k | €238k | €141k | €167k |
| Trade debts payable within one year | 44 | €57k | €35k | €66k | €75k |
| Income statement | |||||
| Gross operating margin | 9900 | €185k | €194k | €206k | €161k |
| Operating result | 9901 | €-15 | €45k | €25k | €540 |
| Financial income | 75 | €676 | €173 | €494 | €521 |
| Financial charges | 65 | €17k | €12k | €8k | €7k |
| Result before taxes | 9903 | €-16k | €32k | €17k | €-6k |
| Income taxes | 67/77 | €0 | €9k | €989 | €0 |
| Net result for the period | 9904 | €-16k | €23k | €16k | €-6k |
| Result to be appropriated | 9905 | €-16k | €23k | €16k | €-6k |
Legal Structure
| NACE primary | Wholesale of cars and light vans (up to 3.5 tonnes)(46711) |
| Legal form | Private limited company(610) |
| Incorporation | 01-02-2007 |
| Status | Active |
| Postal code | 6724 |
Establishment units
GARAGE COLLET CHRISTOPHE
since 20072.159.171.894
Updates
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €-16k ▼169%
Net result drops to €-16k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Highest result since 2022net €23k ▲43.3%
Operating result €45k, net result €23k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Wholesale of cars and light vans (up to 3.5 tonnes)46711Retail sale of cars and light vans (up to 3.5 tonnes)478115010150103General maintenance and repair of cars and light vans (up to 3.5 tonnes)95311Retail sale of motor vehicle parts and accessories478205020050302
Names & trade names
| Legal nameFR | GARAGE COLLET CHRISTOPHE |
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