Garage De Roo
ActiveGarage De Roo has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €152k and a net result of €36k. Equity is growing by ~35.4% per year across the filed fiscal years. Its solvency ranks better than 33% of 10331 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74=
Solvency47▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity short (current ratio 1.0 against 0.86 in 2024; short-term debt: 45.9% and cash: 0.4% of total assets), and 77.6% 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
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
22.4%
Return on assets
5.2%
Age of the figures
15 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 01-02-2026, 1 day late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filingsDeviation from the deadline
2025
1 d late
2024
on the day
2023
19 d early
2022
1 d early
2021
24 d early
2020
6 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€152k▲ 30.5%
2024 · €117k
2020: €33k
2021: €45k
2022: €66k
2023: €83k
2024: €117k
2020 → 2025
Total assets
€678k▼ 7.1%
2024 · €730k
2020: €533k
2021: €566k
2022: €655k
2023: €593k
2024: €730k
2020 → 2025
Net result
€36k▲ 6.5%
2024 · €33k
2020: €15k
2021: €12k
2022: €21k
2023: €17k
2024: €33k
2020 → 2025
Working capital
€-1k▲ 97.4%
2024 · €-49k
2020: €-107k
2021: €-130k
2022: €-112k
2023: €-105k
2024: €-49k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€45k-€66k▲ 46.5%€83k▲ 25.5%€117k▲ 40.2%€152k▲ 30.5%
Operating result€21k-€38k▲ 79.4%€35k▼ 8.0%€71k▲ 105%€75k▲ 6.5%
Net result€12k-€21k▲ 78.8%€17k▼ 19.5%€33k▲ 97.5%€36k▲ 6.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 7% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €678k
Fixed assets
€369k▼ 11.4%
Current assets
€310k▼ 1.3%
Equity and liabilities €678k
Equity
€152k▲ 30.5%
Debt
€526k▼ 14.2%
The debt ratio falls from 84.0% to 77.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€126k▲
2024 · €119k
Cash flow
€86k▲
2024 · €82k
Solvency
22.4%▲
2024 · 16.0%
Current ratio
1.00▲
2024 · 0.86
Quick ratio
0.27▲
2024 · 0.25
Debt / equity
3.46▼
2024 · 5.26
ROE
23.4%▼
2024 · 28.7%
ROA
5.2%▲
2024 · 4.6%
Interest coverage
5.84▼
2024 · 6.02
Debt
€526k▼
2024 · €613k
Debt ≤ 1 year
€311k▼
2024 · €363k
Debt > 1 year
€207k▼
2024 · €243k
Income taxes
€18k▲
2024 · €18k
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€730k€678k▼
Fixed assets21/28€416k€369k▼
Tangible fixed assets22/27€416k€369k▼
Land and buildings22€279k€266k▼
Plant, machinery and equipment23€119k€93k▼
Furniture and vehicles24€18k€9k▼
Current assets29/58€314k€310k▼
Stocks and contracts in progress3€222k€227k▲
Stocks30/36€222k€227k▲
Amounts receivable within one year40/41€75k€79k▲
Trade receivables40€67k€67k▲
Other amounts receivable41€8k€12k▲
Cash at bank and in hand54/58€17k€3k▼
Deferred charges and accrued income490/1€1k€1k=
Equity and liabilities
Total equity and liabilities10/49€730k€678k▼
Equity10/15€117k€152k▲
Contributions10/11€19k€19k=
Reserves13€98k€134k▲
Distributable reserves133€98k€134k▲
Amounts payable17/49€613k€526k▼
Amounts payable after more than one year17€243k€207k▼
Financial debts170/4€243k€207k▼
Amounts payable within one year42/48€363k€311k▼
Current portion of amounts payable after more than one year42€50k€57k▲
Financial debts43€95k€90k▼
Credit institutions430/8€95k€90k▼
Trade debts44€63k€45k▼
Suppliers440/4€63k€45k▼
Taxes, remuneration and social security45€45k€9k▼
Taxes450/3€45k€9k▼
Other amounts payable47/48€109k€111k▲
Accrued charges and deferred income492/3€8k€8k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€50k▲
Other operating charges640/8€7k€10k▲
Gross operating margin9900€126k€136k▲
Operating profit (loss)9901€71k€75k▲
Financial income75/76B€105€4▼
Recurring financial income75€105€4▼
Financial charges65/66B€20k€22k▲
Recurring financial charges65€20k€22k▲
Profit (loss) for the period before taxes9903€51k€54k▲
Income taxes67/77€18k€18k▲
Profit (loss) for the period9904€33k€36k▲
Profit (loss) for the period to be appropriated9905€33k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€36k▲
Transfer to equity691/2€33k€36k▲
To other reserves6921€33k€36k▲
The notes to these accounts (15 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
01-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 1 day late
2025
30-06
Financial
Highest result since 2020net €36k ▲6.5%
Operating result €75k, net result €36k, both a record.
30-06
Financial
Equity above €150kEq €152k ▲30.5%
6 profitable years in a row build equity to €152k.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Equity above €100kEq €117k ▲40.2%
5 profitable years in a row build equity to €117k.
12-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €12k ▼21%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
25-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Tielt · 1 establishment unit since 2018
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.
Lammersakker 248700 TieltGround area
439 m²
Parcel 37302E0737/00S000, Flanders. Linked by address, not a title deed.
1 establishment unit
Garage De Roo
since 20182.278.812.288
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37302E0737/00S000 | Flanders | 439 m² | - | - |
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.
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BE 1014.403.828
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GARAGE GITS
BE 0425.736.562
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JCS CARS
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Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 3,718 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-08-2018
Fiscal year end30-06
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)
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.