GARAGE DE BEULE
ActiveGARAGE DE BEULE has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €649k and a net result of €109k. Equity is growing by ~33.4% per year across the filed fiscal years. Its solvency ranks better than 50% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-2
Solvency62▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 1.59 against 1.29 in 2024; short-term debt: 18% and cash: 9.4% of total assets), but 63% 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
37%
Return on assets
6.2%
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 28-08-2026, 28 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
28 d late
2024
12 d late
2023
on the day
2022
21 d late
2021
59 d early
2020
28 d early
2019
4 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€649k▲ 18.9%
2024 · €545k
2018: €80k
2019: €131k
2020: €191k
2021: €256k
2022: €346k
2023: €418k
2024: €545k
2018 → 2025
Total assets
€1.75M▲ 11.3%
2024 · €1.57M
2018: €311k
2019: €376k
2020: €286k
2021: €372k
2022: €855k
2023: €1.29M
2024: €1.57M
2018 → 2025
Net result
€109k▼ 16.0%
2024 · €130k
2018: €-19k
2019: €52k
2020: €61k
2021: €68k
2022: €94k
2023: €75k
2024: €130k
2018 → 2025
Working capital
€186k▲ 97.8%
2024 · €94k
2018: €69k
2019: €145k
2020: €165k
2021: €218k
2022: €176k
2023: €104k
2024: €94k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€256k-€346k▲ 35.4%€418k▲ 20.8%€545k▲ 30.4%€649k▲ 18.9%
Operating result€96k-€106k▲ 11.0%€119k▲ 11.5%€214k▲ 80.3%€194k▼ 9.1%
Net result€68k-€94k▲ 38.4%€75k▼ 20.0%€130k▲ 74.0%€109k▼ 16.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.75M
Fixed assets
€1.25M▲ 8.0%
Current assets
€501k▲ 20.8%
Equity and liabilities €1.75M
Equity
€649k▲ 18.9%
Debt
€1.10M▲ 7.3%
The debt ratio falls from 65.3% to 63.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€276k▼
2024 · €282k
Cash flow
€191k▼
2024 · €199k
Solvency
37.0%▲
2024 · 34.7%
Current ratio
1.59▲
2024 · 1.29
Quick ratio
1.09▲
2024 · 0.68
Debt / equity
1.70▼
2024 · 1.88
ROE
16.9%▼
2024 · 23.9%
ROA
6.2%▼
2024 · 8.3%
Interest coverage
8.22▲
2024 · 7.96
Debt
€1.10M▲
2024 · €1.03M
Debt ≤ 1 year
€314k▼
2024 · €320k
Debt > 1 year
€784k▲
2024 · €705k
Income taxes
€52k▲
2024 · €48k
Staff costs
€164k▲
2024 · €132k
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€1.57M€1.75M▲
Fixed assets21/28€1.16M€1.25M▲
Tangible fixed assets22/27€1.16M€1.25M▲
Land and buildings22€975k€1.12M▲
Plant, machinery and equipment23€47k€42k▼
Furniture and vehicles24€135k€83k▼
Financial fixed assets28€250€250=
Current assets29/58€415k€501k▲
Stocks and contracts in progress3€196k€159k▼
Stocks30/36€196k€159k▼
Amounts receivable within one year40/41€172k€174k▲
Trade receivables40€161k€135k▼
Other amounts receivable41€11k€38k▲
Cash at bank and in hand54/58€42k€164k▲
Deferred charges and accrued income490/1€4k€4k=
Equity and liabilities
Total equity and liabilities10/49€1.57M€1.75M▲
Equity10/15€545k€649k▲
Contributions10/11€32k€32k=
Reserves13€339k€394k▲
Non-distributable reserves130/1€3k-
Reserves not available under the articles1311€3k-
Distributable reserves133€336k€394k▲
Profit (loss) carried forward14€175k€223k▲
Amounts payable17/49€1.03M€1.10M▲
Amounts payable after more than one year17€705k€784k▲
Financial debts170/4€705k€784k▲
Amounts payable within one year42/48€320k€314k▼
Current portion of amounts payable after more than one year42€57k€75k▲
Trade debts44€151k€145k▼
Suppliers440/4€151k€145k▼
Advances received on contracts in progress46€28k€350▼
Taxes, remuneration and social security45€81k€88k▲
Taxes450/3€64k€61k▼
Remuneration and social security454/9€18k€27k▲
Other amounts payable47/48€3k€6k▲
Accrued charges and deferred income492/3€1k€3k▲
Income statement
Code20242025
Non-recurring operating income76A€15k€5k▼
Remuneration, social security and pensions62€132k€164k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€69k€81k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€844-
Other operating charges640/8€32k€13k▼
Non-recurring operating charges66A€578€342▼
Gross operating margin9900€447k€454k▲
Operating profit (loss)9901€214k€194k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€35k€34k▼
Recurring financial charges65€35k€34k▼
Profit (loss) for the period before taxes9903€178k€161k▼
Income taxes67/77€48k€52k▲
Profit (loss) for the period9904€130k€109k▼
Profit (loss) for the period to be appropriated9905€130k€109k▼
Appropriation of the result
Profit (loss) to be appropriated9906€228k€284k▲
Profit (loss) brought forward from the previous period14P€98k€175k▲
Transfer to equity691/2€50k€55k▲
To other reserves6921€50k€55k▲
Profit to be distributed694/7€3k€6k▲
Return on contributions (dividend)694€3k€6k▲
Social balance
Average headcount (FTE)90872.22.9▲
The notes to these accounts (13 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 12 days late
2024
31-12
Financial
Highest result since 2018net €130k ▲74%
Operating result €214k, net result €130k, both a record.
31-12
Financial
Equity above €500kEq €545k ▲30.4%
6 profitable years in a row build equity to €545k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €256k ▲33.8%
3 profitable years in a row build equity to €256k.
03-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €191k ▲46.4%
2 profitable years in a row build equity to €191k.
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €52k
Net result €52k after one loss-making year.
31-12
Financial
Equity above €100kEq €131k ▲62.7%
Equity rises from €80k to €131k.
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Berlare · 1 establishment unit since 1995
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.
Emiel Hertecantlaan(B) 38A9290 BerlareGround area
900 m²
Building footprint
897 m²
Volume, LiDAR
1,226 m³
2 parcels, Flanders · tallest building 12.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Emiel Hertecantlaan(B) 38 A, 9290 Berlare
since 19952.070.612.082
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42003D0354/00X004 | Flanders | 606 m² | 1 · 706 m² | - |
| 42003D0354/00F005 | Flanders | 294 m² | 1 · 191 m² | 12.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 18,347 EUR awarded · 18,347 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 4,119 EUR | 4,119 EUR |
| 2024 | 1 | 5,083 EUR | 5,083 EUR |
| 2023 | 1 | 4,821 EUR | 4,821 EUR |
| 2022 | 1 | 4,324 EUR | 4,324 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Recognitions · licences · registrations
Food safety, FASFC
1 siteBerlare2.070.612.082
Similar companies · same sector, comparable size
ACG1
BE 0688.933.194
Geel · Eq €649k
CARROSSERIE JM MARTIN
BE 0508.567.238
Zaventem · Eq €648k
GARAGE SELLESLAGHS
BE 0462.393.555
Kontich · Eq €650k
AUTOBEDRIJF D & B
BE 0427.625.290
Wevelgem · Eq €645k
BOCARS
BE 0653.897.388
Kruisem · Eq €645k
Of 10,672 companies in sector 47811 we hold annual accounts for 5,223. 3,287 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-02-1995
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)
50200
47300Retail sale of automotive fuel
50103
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.