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GARAGE PEPPINO

Active
Public limited companyfounded 1996active for 29 yearsMolsekiezel 115, 3920 Lommel, BelgiumKBO/BCE: BE 0459.509.784

From the official registers: KBO 29 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

GARAGE PEPPINO has been active since 1996 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €455,928 and a net result of €20,055. Equity has been stable since 2018 (±0.3% per year). Its solvency ranks better than 65% of 12,757 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Official details

KBO
Status
Active since 24-12-1996 Normal situation
Activity
Retail sale of cars and light vans (up to 3.5 tonnes) NACE 47811and 2 others
Establishment unit
2.080.195.286 3920 Lommel, since 28-01-1997
Financial year end
31 December
Peppol
Reachable since 12-08-2025

Board and ownership

Board
  • BERGHMANS KARLDirector · since 15-12-2021
  • TORMANS MARIADirector · since 15-12-2021

Financial position

87 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Annual accounts 2025
Gross margin
€292,223
▲ 7.7%
Turnover
≈ €2.5m
estimated
Profit
€20,055
▲ 291%
Equity
€455,928
▲ 4.6%
Total assets
€889,289
▼ 3.7%
Staff
3.8 FTE
▲ 8.6%
Filed on 15-06-2026, 46 days before the deadlinePDF
Score breakdownraises riskLiquidity: current ratio 1.30, cash €21,300Sector: Retail trade (NACE 47)lowers riskFounded in 1996Equity €455,928 (51.3% of total assets)Show the evidence

Checked score

Score 2025
87 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 47% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Average
Solvency 76+4
equity 51.3% of total assets
Liquidity 33+3
short-term debt 42.2% · cash 2.4%
Profitability 59+12
return on assets 2.3%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,270 companies, NACE 47, micro)
Last 24 months 11-2024: 0.2%lowest value 12-2024: 0.2%● unchanged vs 11-2024lowest value 01-2025: 0.2%● unchanged vs 12-2024lowest value 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.3%▲ +0.1 percentage points vs 06-2025 08-2025: 0.3%● unchanged vs 07-2025 09-2025: 0.3%● unchanged vs 08-2025 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.4%▲ +0.1 percentage points vs 01-2026 03-2026: 0.4%● unchanged vs 02-2026 04-2026: 0.4%● unchanged vs 03-2026highest value 05-2026: 0.4%● unchanged vs 04-2026 06-2026: 0.3%▼ -0.1 percentage points vs 05-2026 07-2026: 0.2%▼ -0.1 percentage points vs 06-2026 08-2026: 0.2%● unchanged vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026 10-2026: 0.2%● unchanged vs 09-2026
Credit of up to €35,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.3 (1.19 in 2024), below the usual 1.5. Short-term debt is 42.2% and cash 2.4% of total assets. 48.7% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 65% of them on solvency, 30% on liquidity, 41% on profitability and 51% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Founded in 1996
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Equity €455,928 (51.3% of total assets)
NBB · annual accounts
raises risk · Liquidity: current ratio 1.30, cash €21,300
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
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 15-06-2026, 46 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
46 days early
2024
21 days early
2023
20 days late
2022
47 days early
2021
25 days early
2020
9 days early
2019
2 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 19 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 6 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: 6 profitable years in a rowprofit 2025: €20,055 6 years View

Comparable companies

These companies have the same main activity as GARAGE PEPPINO: retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811). They are comparable in size and age: total assets between €788,000 and €1.1m, founded between 1994 and 1999.

CompanyTotal assetsGross margin
GARAGE PEPPINO Lommel€0.9m€0.3m
Oset Lanaken€0.9m€0.4m
GENTS AUTOBEDRIJF Gent€0.8m€0.3m
GARAGE VERSCHUEREN Herent€0.9m€0.3m
GARAGE VANDENBERGH Meerhout€1.1m€0.3m
TOP CARS Welkenraedt€1.1m€0.2m
DEGRANDE Kortrijk€0.8m€0.2m
Full comparison

Documents

Annual accounts at the NBB

All 29 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about GARAGE PEPPINO

What is the company number of GARAGE PEPPINO?
The company number of GARAGE PEPPINO is 0459.509.784. The VAT number is the same number with BE in front: BE 0459.509.784.
Where is GARAGE PEPPINO based?
The registered office is at Molsekiezel 115, 3920 Lommel.Company details
What does GARAGE PEPPINO do?
According to the KBO register, the main activity is retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811).
What is the legal form of GARAGE PEPPINO?
The legal form of GARAGE PEPPINO is Public limited company (NV).
When was GARAGE PEPPINO founded?
GARAGE PEPPINO was founded on 24-12-1996.
Is GARAGE PEPPINO still active?
Yes, GARAGE PEPPINO is an active enterprise in the KBO register.
How many employees does GARAGE PEPPINO have?
GARAGE PEPPINO had an average of 3.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of GARAGE PEPPINO?
The turnover in financial year 2025 is ≈ €2.5m. This figure is estimated from the gross margin of €292,223 and 35 comparable companies (NACE 47811). It probably lies between €1.3m and €3.7m.
Is GARAGE PEPPINO profitable?
In financial year 2025, GARAGE PEPPINO made a profit of €20,055.
Where can I find the annual accounts of GARAGE PEPPINO?
GARAGE PEPPINO filed 29 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts 2025 (PDF)
When are the next annual accounts of GARAGE PEPPINO due?
GARAGE PEPPINO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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