GARAGE DE DAPPER
ActiveGARAGE DE DAPPER has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €605k and a net result of €92k. Equity is growing by ~21.4% per year across the filed fiscal years. Its solvency ranks better than 32% of 1036 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+7
Solvency53▲+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 tight (current ratio 1.31 against 1.27 in 2024; short-term debt: 33.9% and cash: 7% of total assets), and 72.1% 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○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
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
27.9%
Return on assets
4.3%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
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
26 d late
2023
1 d early
2022
12 d early
2021
17 d early
2020
26 d late
2019
91 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€605k▲ 18.0%
2024 · €512k
2018: €172k
2019: €177k
2020: €229k
2021: €280k
2022: €364k
2023: €441k
2024: €512k
2018 → 2025
Total assets
€2.16M▲ 2.8%
2024 · €2.11M
2018: €791k
2019: €913k
2020: €1.50M
2021: €1.52M
2022: €1.79M
2023: €1.90M
2024: €2.11M
2018 → 2025
Net result
€92k▲ 29.1%
2024 · €72k
2018: €26k
2019: €5k
2020: €53k
2021: €51k
2022: €84k
2023: €77k
2024: €72k
2018 → 2025
Working capital
€229k▲ 26.4%
2024 · €181k
2018: €115k
2019: €137k
2020: €45k
2021: €82k
2022: €61k
2023: €117k
2024: €181k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€280k-€364k▲ 29.8%€441k▲ 21.1%€512k▲ 16.2%€605k▲ 18.0%
Operating result€79k-€118k▲ 48.4%€148k▲ 25.9%€141k▼ 4.7%€162k▲ 14.8%
Net result€51k-€84k▲ 64.1%€77k▼ 8.0%€72k▼ 7.0%€92k▲ 29.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 15% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.16M
Fixed assets
€1.20M▼ 3.4%
Current assets
€963k▲ 11.7%
Equity and liabilities €2.16M
Equity
€605k▲ 18.0%
Debt
€1.56M▼ 2.1%
The debt ratio falls from 75.7% to 72.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€235k▲
2024 · €210k
Cash flow
€165k▲
2024 · €140k
Solvency
27.9%▲
2024 · 24.3%
Current ratio
1.31▲
2024 · 1.27
Quick ratio
1.28▲
2024 · 1.23
Debt / equity
2.58▼
2024 · 3.11
ROE
15.3%▲
2024 · 14.0%
ROA
4.3%▲
2024 · 3.4%
Interest coverage
7.78▲
2024 · 5.31
Debt
€1.56M▼
2024 · €1.59M
Debt ≤ 1 year
€734k▲
2024 · €681k
Debt > 1 year
€824k▼
2024 · €910k
Income taxes
€43k▲
2024 · €33k
Staff costs
€227k▲
2024 · €212k
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€2.11M€2.16M▲
Fixed assets21/28€1.24M€1.20M▼
Tangible fixed assets22/27€1.23M€1.19M▼
Land and buildings22€1.18M€1.14M▼
Plant, machinery and equipment23€46k€50k▲
Furniture and vehicles24€8k-
Financial fixed assets28€13k€13k=
Current assets29/58€862k€963k▲
Stocks and contracts in progress3€22k€24k▲
Stocks30/36€22k€24k▲
Amounts receivable within one year40/41€781k€782k▲
Trade receivables40€296k€319k▲
Other amounts receivable41€485k€464k▼
Cash at bank and in hand54/58€55k€152k▲
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€2.11M€2.16M▲
Equity10/15€512k€605k▲
Contributions10/11€90k€90k=
Reserves13€287k€379k▲
Distributable reserves133€287k€379k▲
Profit (loss) carried forward14€136k€136k=
Amounts payable17/49€1.59M€1.56M▼
Amounts payable after more than one year17€910k€824k▼
Financial debts170/4€910k€824k▼
Amounts payable within one year42/48€681k€734k▲
Current portion of amounts payable after more than one year42€92k€86k▼
Financial debts43€175k€75k▼
Credit institutions430/8€175k€75k▼
Trade debts44€315k€462k▲
Suppliers440/4€315k€462k▲
Taxes, remuneration and social security45€98k€111k▲
Taxes450/3€62k€68k▲
Remuneration and social security454/9€37k€43k▲
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€212k€227k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€69k€73k▲
Other operating charges640/8€13k€17k▲
Gross operating margin9900€436k€479k▲
Operating profit (loss)9901€141k€162k▲
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€40k€30k▼
Recurring financial charges65€40k€30k▼
Profit (loss) for the period before taxes9903€105k€135k▲
Income taxes67/77€33k€43k▲
Profit (loss) for the period9904€72k€92k▲
Profit (loss) for the period to be appropriated9905€72k€92k▲
Appropriation of the result
Profit (loss) to be appropriated9906€207k€228k▲
Profit (loss) brought forward from the previous period14P€136k€136k=
Transfer to equity691/2€72k€92k▲
To other reserves6921€72k€92k▲
Social balance
Average headcount (FTE)90873.03.0=
The notes to these accounts (20 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 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €92k ▲29.1%
Operating result €162k, net result €92k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 26 days late
2024
31-12
Financial
Equity above €500kEq €512k ▲16.2%
7 profitable years in a row build equity to €512k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 26 days late
2020
31-12
Financial
Equity above €200kEq €229k ▲29.7%
3 profitable years in a row build equity to €229k.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
31-12
Financial
Weakest financial yearnet €5k ▼80.3%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 395 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Lievegem · 1 establishment unit since 2007
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.
Grote Steenweg 49930 LievegemGround area
3,350 m²
Building footprint
1,218 m²
Volume, LiDAR
5,918 m³
Parcel 44080D0622/00S000, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GARAGE DE DAPPER
since 20072.160.322.236
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44080D0622/00S000 | Flanders | 3,350 m² | 1 · 1,218 m² | 6.5 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 1,046 EUR awarded · 426 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 183 EUR | 183 EUR |
| 2023 | 1 | 620 EUR | 0 EUR |
| 2022 | 1 | 243 EUR | 243 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 7,376 companies in sector 95311 we hold annual accounts for 2,958. 1,995 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-01-2007
Fiscal year end31-12
Activities, NACEBEL
46711Wholesale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50101
50200
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.