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GARAGE NOVA

Active
Public limited companyfounded 197254 yrs activeAntwerpsesteenweg 505, 2500 Lier, BelgiumKBO/BCE: BE 0412.658.388
Summary

GARAGE NOVA has been active since 1972 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7.2m and a net result of €765,589. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 88% of 4889 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
GARAGE NOVAActiveChecked score 97/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811NACE 45113NACE 50103
#1 company by staff growth in Lier, Wholesale and retail trade sector1 site
Size
€22.1mturnover 2025
Staff
26.3 FTE
Equity
€7.2m
Profit
€765,589
Financial health
97 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts 39 d early0 of 8 deeds read
Why 97+ Liquidity: current ratio 4.33, cash €2.9m+ Founded in 1972+ Equity €7.2m (78.4% of total assets)+ Profit of €765,589 (FY 2025)Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Better than 75% of its sector peers (NACE 47, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100+4
equity 78.4% of total assets
Liquidity 82+9
short-term debt 21.6% · cash 31.5%
Profitability 67+3
return on assets 8.4%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (3,683 companies)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● 0.0% vs 11-2024 01-2025: < 0.1%● 0.0% vs 12-2024 02-2025: < 0.1%● 0.0% vs 01-2025 03-2025: < 0.1%● 0.0% vs 02-2025 04-2025: < 0.1%▼ -3.2% vs 03-2025lowest value 05-2025: < 0.1%▲ +3.3% vs 04-2025 06-2025: < 0.1%▼ -3.2% vs 05-2025lowest value 07-2025: < 0.1%▲ +10.0% vs 06-2025highest value 08-2025: < 0.1%▼ -6.1% vs 07-2025 09-2025: < 0.1%● 0.0% vs 08-2025 10-2025: < 0.1%● 0.0% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%● 0.0% vs 12-2025 02-2026: < 0.1%▼ -3.2% vs 01-2026lowest value 03-2026: < 0.1%● 0.0% vs 02-2026lowest value 04-2026: < 0.1%● 0.0% vs 03-2026lowest value 05-2026: < 0.1%▲ +3.3% vs 04-2026 06-2026: < 0.1%▼ -3.2% vs 05-2026lowest value 07-2026: < 0.1%▲ +3.3% vs 06-2026 08-2026: < 0.1%● 0.0% vs 07-2026 09-2026: < 0.1%● 0.0% vs 08-2026 10-2026: < 0.1%● 0.0% vs 09-2026
  • Liquidity: current ratio 4.33, cash €2.9m lowers the probability
  • Founded in 1972 lowers the probability for this profile
  • Equity €7.2m (78.4% of total assets) lowers the probability
  • Profit of €765,589 (FY 2025) lowers the probability
Credit up to €650,000 at 30 days acceptable
Liquidity ample (current ratio 4.33 against 3.44 in 2024; short-term debt: 21.6% and cash: 31.5% of total assets), and 21.6% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, small). Better than this share of them on solvency 95%, liquidity 95%, profitability 50%, growth against the median 59%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Liquidity: current ratio 4.33, cash €2.9m
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 1972
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Equity €7.2m (78.4% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Profit of €765,589 (FY 2025)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
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 22-06-2026, 39 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
39 d early
2024
24 d early
2023
26 d late
2022
22 d late
2021
25 d late
2020
18 d early
2019
1 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 1 day before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

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. Usually files around 22 August (4 of the last 5 filed years within 46 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · full…
  2. Annual accounts filedfiscal year 2024 · full…
  3. Annual accounts filedfiscal year 2023 · full…

Key points

  • Positive: Company by staff growth in Lier, Wholesale and…in the Checked rankings #1 View
  • Positive: 8 profitable years in a rowprofit 2025: €765,589 8 years View
  • Active since 1972founded 22-09-1972 54 years View
  • Known shareholdersaccounts at 31-12-2022 100% View
  • Positive: Result rose in 2025from €597,523 to €765,589 ▲ 28.1% View

By topic

Financials

Fiscal year
2025
Turnover
€22.1m
Profit
€765,589
Solvency
78.4%
Turnover▲ 0.2%
Net result
20182025
Go to Financials

Timeline

Events
11
Since
2017
Next accounts
by 31-07-2027
  1. 22-06-2026Annual accounts filed
  2. 07-07-2025Annual accounts filed
  3. 26-08-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Retail sale of cars and light vans (up…NACE 47811
Founded
22-09-1972
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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