GARAGE DIJO
ActiveSummary
GARAGE DIJO has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €301k and a net result of €40k. Equity is growing by ~21.4% per year across the filed fiscal years. Its solvency ranks better than 72% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-1
Solvency85▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 2.17 against 1.8 in 2024; short-term debt: 36.9% and cash: 72.1% of total assets), and 39.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
60.3%
Return on assets
8%
Age of the figures
9 mo
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
35 d early
2023
34 d early
2022
41 d early
2021
29 d late
2020
19 d late
2019
34 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€301k▲ 15.3%
2024 · €261k
2018: €188k
2019: €191k
2020: €90k
2021: €131k
2022: €177k
2023: €218k
2024: €261k
2018 → 2025
Total assets
€498k▲ 8.3%
2024 · €460k
2018: €347k
2019: €366k
2020: €267k
2021: €322k
2022: €377k
2023: €405k
2024: €460k
2018 → 2025
Net result
€40k▼ 6.8%
2024 · €43k
2018: €-4k
2019: €3k
2020: €23k
2021: €44k
2022: €49k
2023: €41k
2024: €43k
2018 → 2025
Working capital
€216k▲ 46.4%
2024 · €147k
2018: €80k
2019: €95k
2020: €4k
2021: €55k
2022: €106k
2023: €121k
2024: €147k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€131k-€177k▲ 35.2%€218k▲ 23.2%€261k▲ 19.6%€301k▲ 15.3%
Operating result€63k-€68k▲ 7.8%€57k▼ 15.3%€58k▲ 1.6%€56k▼ 3.1%
Net result€44k-€49k▲ 11.3%€41k▼ 16.2%€43k▲ 3.9%€40k▼ 6.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €498k
Fixed assets
€99k ▼ 22.6%
Current assets
€400k ▲ 20.1%
Equity and liabilities €498k
Equity
€301k ▲ 15.3%
Provisions
€14k ▼ 1.5%
Debt
€184k ▼ 0.9%
Debt's share of the balance-sheet total falls from 40.3% to 36.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€85k▼
2024 · €85k
Cash flow
€69k▼
2024 · €70k
Current ratio
2.17▲
2024 · 1.80
Quick ratio
2.14▲
2024 · 1.73
Debt to equity
0.61▼
2024 · 0.71
ROE
13.3%▼
2024 · 16.4%
ROA
8.0%▼
2024 · 9.3%
Interest coverage
200.08▼
2024 · 370.09
Debt ≤ 1 year
€184k▼
2024 · €185k
Income taxes
€17k▲
2024 · €15k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€460k€498k▲
Fixed assets21/28€127k€99k▼
Tangible fixed assets22/27€127k€99k▼
Land and buildings22€59k€49k▼
Furniture and vehicles24€69k€50k▼
Financial fixed assets28€50€50=
Current assets29/58€333k€400k▲
Stocks and contracts in progress3€12k€6k▼
Stocks30/36€12k€6k▼
Amounts receivable within one year40/41€32k€26k▼
Trade receivables40€31k€25k▼
Other amounts receivable41€430€430=
Cash at bank and in hand54/58€272k€360k▲
Deferred charges and accrued income490/1€18k€9k▼
Equity and liabilities
Total equity and liabilities10/49€460k€498k▲
Equity10/15€261k€301k▲
Contributions10/11€19k€19k=
Reserves13€242k€282k▲
Tax-exempt reserves132€5k€4k▼
Distributable reserves133€237k€278k▲
Profit (loss) carried forward14€15€26▲
Provisions and deferred taxes16€14k€14k▼
Provisions for liabilities and charges160/5€13k€13k=
Pensions and similar obligations160€13k€13k=
Deferred taxes168€1k€975▼
Amounts payable17/49€185k€184k▼
Amounts payable within one year42/48€185k€184k▼
Trade debts44€9k€5k▼
Suppliers440/4€9k€5k▼
Taxes, remuneration and social security45€30k€31k▲
Taxes450/3€30k€31k▲
Remuneration and social security454/9€1€1=
Other amounts payable47/48€147k€147k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€29k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A€22€0▼
Gross operating margin9900€87k€87k▲
Operating profit (loss)9901€58k€56k▼
Financial income75/76B€890€281▼
Recurring financial income75€890€281▼
Financial charges65/66B€231€426▲
Recurring financial charges65€231€426▲
Profit (loss) for the period before taxes9903€59k€56k▼
Transfer from deferred taxes780€213€213=
Transfer to deferred taxes680€1k€0▼
Income taxes67/77€15k€17k▲
Profit (loss) for the period9904€43k€40k▼
Transfer from tax-exempt reserves789€850€850=
Transfer to tax-exempt reserves689€6k€0▼
Profit (loss) for the period to be appropriated9905€38k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€38k€41k▲
Profit (loss) brought forward from the previous period14P€11€15▲
Transfer to equity691/2€38k€41k▲
To other reserves6921€38k€41k▲
The notes to these accounts (12 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €218k ▲23.2%
5 profitable years in a row build equity to €218k.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €49k ▲11.3%
Operating result €68k, net result €49k, both a record.
31-12
Financial
Equity above €150kEq €177k ▲35.2%
4 profitable years in a row build equity to €177k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Equity above €100kEq €131k ▲45.8%
3 profitable years in a row build equity to €131k.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
Show earlier events
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 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, Kalmthout · 1 establishment unit since 2000
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.
Withoeflei (Heide) 172920 KalmthoutGround area
307 m²
Building footprint
102 m²
Volume, LiDAR
617 m³
Parcel 11022F0007/00M020, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Withoeflei (Heide) 17, 2920 Kalmthout
since 20002.115.667.889
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11022F0007/00M020 | Flanders | 307 m² | 1 · 102 m² | 9.4 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.
Similar companies · same sector, comparable size
OPENBARE-VERKOPEN.BE
BE 0812.312.345
Deerlijk · Eq €300,679
WERNER STEFAN
BE 0715.970.064
Koksijde · Eq €300,596
AUTOBEDRIJF VAN LOOCKE
BE 0799.696.605
Wingene · Eq €300,784
David Rouss
BE 0722.797.973
Essen · Eq €301,452
ATC Import Export
BE 0724.471.521
Sint-Jans-Molenbeek · Eq €299,396
Of 10,671 companies in sector 47811 we hold annual accounts for 5,222. 3,647 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-1999
Fiscal year end31-12
Activities, NACEBEL 2025
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 · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.