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Garage de Backer

Active
Public limited companyfounded 1992active for 34 yearsHundelgemsesteenweg 100, 9820 Merelbeke-Melle, BelgiumKBO/BCE: BE 0447.754.077

From the official registers: KBO 34 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

Garage de Backer has been active since 1992 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €881,526 and a net result of -€151,591. Equity has been growing by about 12% per year since 2018. Its solvency ranks better than 95% of 5,036 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Official details

KBO
Status
Active since 24-06-1992 Normal situation
Activity
Retail sale of cars and light vans (up to 3.5 tonnes) NACE 47811and 1 other
Establishment unit
2.058.555.378 9820 Merelbeke-Melle, since 17-08-1992
Financial year end
31 December
Peppol
Reachable since 02-12-2025

Board and ownership

Board

Financial position

90 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Annual accounts 2025
Gross margin
-€98,220
Loss
€151,591
Equity
€881,526
▼ 14.7%
Total assets
€910,684
▼ 16.8%
Staff
0.2 FTE
▼ 75.0%
Filed on 02-07-2026, 29 days before the deadlineat the National Bank
Score breakdownraises riskLoss of €151,591 (financial year 2025)Sector: Retail trade (NACE 47)lowers riskLiquidity: current ratio 23.36, cash €443,902Equity €881,526 (96.8% of total assets)Show the evidence

Checked score

Score 2025
90 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 55% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Strong
Solvency 100=
equity 96.8% of total assets
Liquidity 100=
short-term debt 3.2% · cash 48.7%
Profitability 0-77
return on assets -16.6%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,270 companies, NACE 47, micro)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: < 0.1%▼ -0.1 percentage points vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026lowest value 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: 0.2%▲ +0.2 percentage points vs 07-2026highest value 09-2026: 0.2%● unchanged vs 08-2026highest value 10-2026: 0.2%● unchanged vs 09-2026highest value
Credit of up to €75,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 23.36 (13.82 in 2024), above the usual 1.5. Short-term debt is 3.2% and cash 48.7% of total assets. 3.2% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 92% of them on solvency, 99% on liquidity, 6% on profitability and 23% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
raises risk · Loss of €151,591 (financial year 2025)
NBB · annual accounts
lowers risk · Liquidity: current ratio 23.36, cash €443,902
NBB · annual accounts
lowers risk · Equity €881,526 (96.8% of total assets)
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
29 days early
2024
21 days early
2023
91 days late
2022
31 days late
2021
29 days late
2020
61 days late
2019
60 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 32 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 August (4 of the last 5 accounts filed within 58 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: From profit to loss in 2025after a profit of €74,079 in 2024 -€151,591 View
  • Caution: Lower net result than 91% of companies in retail tradesector median €39,952 · 5,035 companies -€151,591 View

Comparable companies

These companies have the same main activity as Garage de Backer: retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811). They are comparable in size and age: total assets between €346,000 and €1.3m, founded between 1980 and 2002.

CompanyTotal assetsGross margin
Garage de Backer Merelbeke-Melle€0.9m-€0.1m
Autogroupe Services Bastogne€0.9m-€0.06m
GARAGE LEMMENS Beringen€1.2m-€0.05m
AUTO'S VANHAEZE Moorslede€0.8m-€0.06m
Van Mossel Nissa Limburg Hasselt€1.3m-€0.04m
TORENO Hamme (Vl.)€0.4m-€0.05m
Garage Meeus Temse€0.3m-€0.01m
Full comparison

Documents

Annual accounts at the NBB

All 34 annual accounts

Articles and registers

Key facts about Garage de Backer

What is the company number of Garage de Backer?
The company number of Garage de Backer is 0447.754.077. The VAT number is the same number with BE in front: BE 0447.754.077.
Where is Garage de Backer based?
The registered office is at Hundelgemsesteenweg 100, 9820 Merelbeke-Melle.Company details
What does Garage de Backer do?
According to the KBO register, the main activity is retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811).
What is the legal form of Garage de Backer?
The legal form of Garage de Backer is Public limited company (NV).
When was Garage de Backer founded?
Garage de Backer was founded on 24-06-1992.
Is Garage de Backer still active?
Yes, Garage de Backer is an active enterprise in the KBO register.
How many employees does Garage de Backer have?
Garage de Backer had an average of 0.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of Garage de Backer?
The annual accounts for financial year 2025 state no turnover.
Is Garage de Backer profitable?
In financial year 2025, Garage de Backer made a loss of €151,591.
Where can I find the annual accounts of Garage de Backer?
Garage de Backer filed 34 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of Garage de Backer due?
Garage de Backer must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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