Garage Goppel
ActiveThe computed 12-month bankruptcy probability of Garage Goppel is 2.1% (moderate). The 2024 annual accounts show equity of €71k and a net result of €11k. Equity is growing by ~35.1% per year across the filed fiscal years. Its solvency ranks better than 59% of 1632 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability79▼-9
Solvency80▲+5
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.04 against 1.63 in 2023; short-term debt: 43.3% and cash: 61% of total assets), and 45.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 33
Relative position
BE, all sectors
reference
Sector 33
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
54.9%
Return on assets
8.2%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
122 d late
2022
90 d late
2021
133 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€71k▲ 17.5%
2023 · €60k
2021: €18k
2022: €42k
2023: €60k
2021 → 2024
Total assets
€129k▲ 8.0%
2023 · €119k
2021: €101k
2022: €125k
2023: €119k
2021 → 2024
Net result
€11k▼ 42.5%
2023 · €18k
2021: €15k
2022: €24k
2023: €18k
2021 → 2024
Working capital
€58k▲ 61.2%
2023 · €36k
2021: €-19k
2022: €10k
2023: €36k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€18k-€42k▲ 132%€60k▲ 43.7%€71k▲ 17.5%
Operating result€20k-€32k▲ 56.3%€26k▼ 18.8%€16k▼ 37.7%
Net result€15k-€24k▲ 57.6%€18k▼ 23.1%€11k▼ 42.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 38% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €129k
Fixed assets
€15k▼ 43.1%
Current assets
€114k▲ 22.7%
Equity and liabilities €129k
Equity
€71k▲ 17.5%
Debt
€58k▼ 1.7%
The debt ratio falls from 49.5% to 45.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€28k▼
2023 · €38k
Cash flow
€22k▼
2023 · €30k
Solvency
54.9%▲
2023 · 50.5%
Current ratio
2.04▲
2023 · 1.63
Quick ratio
1.94▲
2023 · 1.55
Debt / equity
0.82▼
2023 · 0.98
ROE
14.9%▼
2023 · 30.4%
ROA
8.2%▼
2023 · 15.3%
Interest coverage
15.22▼
2023 · 293.03
Debt
€58k▼
2023 · €59k
Debt ≤ 1 year
€56k▼
2023 · €57k
Income taxes
€4k▼
2023 · €7k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€119k€129k▲
Fixed assets21/28€27k€15k▼
Tangible fixed assets22/27€27k€15k▼
Plant, machinery and equipment23€25k€15k▼
Furniture and vehicles24€1k-
Current assets29/58€93k€114k▲
Stocks and contracts in progress3€5k€6k▲
Stocks30/36€5k€6k▲
Amounts receivable within one year40/41€25k€29k▲
Trade receivables40€25k€29k▲
Other amounts receivable41€0-
Cash at bank and in hand54/58€62k€79k▲
Deferred charges and accrued income490/1€904€603▼
Equity and liabilities
Total equity and liabilities10/49€119k€129k▲
Equity10/15€60k€71k▲
Contributions10/11€3k€3k=
Reserves13€47k€56k▲
Distributable reserves133€47k€56k▲
Profit (loss) carried forward14€10k€12k▲
Amounts payable17/49€59k€58k▼
Amounts payable within one year42/48€57k€56k▼
Financial debts43€1k€64▼
Credit institutions430/8€1k€64▼
Trade debts44€6k€9k▲
Suppliers440/4€6k€9k▲
Taxes, remuneration and social security45€37k€33k▼
Taxes450/3€18k€15k▼
Remuneration and social security454/9€19k€18k▼
Other amounts payable47/48€13k€14k▲
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▼
Other operating charges640/8€524€669▲
Gross operating margin9900€38k€28k▼
Operating profit (loss)9901€26k€16k▼
Financial income75/76B€51€30▼
Recurring financial income75€51€30▼
Financial charges65/66B€129€2k▲
Recurring financial charges65€129€2k▲
Profit (loss) for the period before taxes9903€26k€14k▼
Income taxes67/77€7k€4k▼
Profit (loss) for the period9904€18k€11k▼
Profit (loss) for the period to be appropriated9905€18k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€21k▼
Profit (loss) brought forward from the previous period14P€9k€10k▲
Transfer to equity691/2€17k€9k▼
To other reserves6921€17k€9k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €11k ▼42.5%
Net result drops to €11k, the lowest in the series.
30-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 122 days late
2023
29-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 90 days late
2022
31-12
Financial
Highest result since 2021net €24k ▲57.6%
Operating result €32k, net result €24k, both a record.
11-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 133 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Overijse · 1 establishment unit since 2021
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.
Brusselsesteenweg 3303090 OverijseGround area
5,742 m²
Building footprint
1,678 m²
Volume, LiDAR
13,641 m³
Parcel 23062B0379/00K004, Flanders · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Garage Goppel
since 20212.315.298.047
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062B0379/00K004 | Flanders | 5,742 m² | 1 · 1,678 m² | 10.0 m · 3 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
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MINITRACK
BE 0767.755.295
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CIMET
BE 0472.005.958
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N.E.A. GROUP
BE 0693.850.896
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SDC Services
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Of 3,717 companies in sector 33120 we hold annual accounts for 1,341. 1,084 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-03-2021
Fiscal year end31-12
Activities, NACEBEL
33120Repair and maintenance of machinery
33170Repair, maintenance and installation of machinery and equipment
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
95313Repair and fitting of specific motor vehicle parts
95319Other maintenance and repair of motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.