Garage Peter ARENS
ActiveGarage Peter ARENS has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.49M and a net result of €424k. Equity is growing by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 86% of 383 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
87
/ 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
Profitability80▲+1
Solvency100▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €300k at 30 days acceptable
Liquidity ample (current ratio 2.37 against 2.29 in 2024; short-term debt: 18% and cash: 15.5% of total assets), and 24.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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
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
75.2%
Return on assets
9.1%
Age of the figures
10 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-11-2025 was due by 30-06-2026 and was filed on 22-05-2026, 39 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
39 d early
2024
on the day
2023
1 d late
2022
10 d early
2021
31 d early
2020
13 d late
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-11-2026 and is due by 30-06-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-11-2026 close30-06-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€424k▲ 15.3%
2024 · €368k
2018: €338k
2019: €236k
2020: €141k
2021: €150k
2022: €325k
2023: €334k
2024: €368k
2018 → 2025
Working capital
€1.15M▼ 2.0%
2024 · €1.17M
2018: €1.01M
2019: €1.17M
2020: €1.41M
2021: €1.00M
2022: €975k
2023: €940k
2024: €1.17M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.03M-€2.35M▲ 15.6%€2.68M▲ 13.9%€3.08M▲ 15.0%€3.49M▲ 13.4%
Operating result€241k-€487k▲ 102%€507k▲ 4.0%€518k▲ 2.3%€626k▲ 20.7%
Net result€150k-€325k▲ 117%€334k▲ 2.5%€368k▲ 10.2%€424k▲ 15.3%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.64M
Fixed assets
€2.66M▲ 17.5%
Current assets
€1.98M▼ 4.7%
Equity and liabilities €4.64M
Equity
€3.49M▲ 13.4%
Debt
€1.15M▼ 9.0%
The debt ratio falls from 29.1% to 24.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€822k▲
2024 · €707k
Cash flow
€620k▲
2024 · €557k
Solvency
75.2%▲
2024 · 70.9%
Current ratio
2.37▲
2024 · 2.29
Quick ratio
1.73▲
2024 · 1.62
Debt / equity
0.33▼
2024 · 0.41
ROE
12.1%▲
2024 · 12.0%
ROA
9.1%▲
2024 · 8.5%
Interest coverage
14.79▲
2024 · 14.31
Debt
€1.15M▼
2024 · €1.27M
Debt ≤ 1 year
€835k▼
2024 · €909k
Debt > 1 year
€318k▲
2024 · €317k
Income taxes
€166k▲
2024 · €151k
Staff costs
€922k▲
2024 · €865k
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€4.34M€4.64M▲
Fixed assets21/28€2.26M€2.66M▲
Tangible fixed assets22/27€2.26M€2.66M▲
Land and buildings22€1.83M€1.95M▲
Plant, machinery and equipment23€113k€275k▲
Furniture and vehicles24€318k€437k▲
Financial fixed assets28€25€25=
Current assets29/58€2.08M€1.98M▼
Stocks and contracts in progress3€603k€533k▼
Stocks30/36€603k€533k▼
Amounts receivable within one year40/41€873k€704k▼
Trade receivables40€873k€702k▼
Other amounts receivable41-€2k
Cash at bank and in hand54/58€583k€719k▲
Deferred charges and accrued income490/1€21k€26k▲
Equity and liabilities
Total equity and liabilities10/49€4.34M€4.64M▲
Equity10/15€3.08M€3.49M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€2.76M€3.06M▲
Non-distributable reserves130/1€29k€29k=
Legal reserve130€29k€29k=
Tax-exempt reserves132€22k€22k=
Distributable reserves133€2.71M€3.01M▲
Profit (loss) carried forward14€198k€316k▲
Investment grants15€58k€53k▼
Amounts payable17/49€1.27M€1.15M▼
Amounts payable after more than one year17€317k€318k▲
Financial debts170/4€317k€318k▲
Amounts payable within one year42/48€909k€835k▼
Current portion of amounts payable after more than one year42€296k€254k▼
Trade debts44€105k€93k▼
Suppliers440/4€105k€93k▼
Advances received on contracts in progress46€10k€10k=
Taxes, remuneration and social security45€262k€247k▼
Taxes450/3€124k€93k▼
Remuneration and social security454/9€137k€154k▲
Other amounts payable47/48€237k€231k▼
Accrued charges and deferred income492/3€40k-
Income statement
Code20242025
Remuneration, social security and pensions62€865k€922k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€189k€196k▲
Other operating charges640/8€42k€47k▲
Non-recurring operating charges66A€911-
Gross operating margin9900€1.61M€1.79M▲
Operating profit (loss)9901€518k€626k▲
Financial income75/76B€49k€19k▼
Recurring financial income75€38k€19k▼
Non-recurring financial income76B€11k-
Financial charges65/66B€49k€56k▲
Recurring financial charges65€49k€56k▲
Profit (loss) for the period before taxes9903€518k€590k▲
Income taxes67/77€151k€166k▲
Profit (loss) for the period9904€368k€424k▲
Transfer from tax-exempt reserves789€36k-
Profit (loss) for the period to be appropriated9905€403k€424k▲
Appropriation of the result
Profit (loss) to be appropriated9906€403k€622k▲
Profit (loss) brought forward from the previous period14P-€198k
Transfer to equity691/2€200k€300k▲
To other reserves6921€200k€300k▲
Profit to be distributed694/7€6k€6k=
Return on contributions (dividend)694€6k€6k=
Social balance
Average headcount (FTE)908714.516.3▲
The notes to these accounts (10 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
22-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-11
Financial
Highest result since 2018net €424k ▲15.3%
Operating result €626k, net result €424k, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 1 day late
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-11
Financial
Equity above €2MEq €2.03M ▲7.5%
4 profitable years in a row build equity to €2.03M.
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 13 days late
2020
30-11
Financial
Weakest financial yearnet €141k ▼40.3%
Net result drops to €141k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
23-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Amel · 2 establishment units since 1990
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.
Mirfeld,Büllinger Straße 174770 Amel2 establishment units
Mirfeld,Büllinger Straße 17, 4770 Amel
since 19902.047.389.688
Amel,Am Adesberg 47, 4770 Amel
since 20212.331.841.990
Similar companies · same sector, comparable size
Autobedrijf Spegelaere
BE 0666.584.493
Brugge · Eq €3.51M
GARAGE M. VAN HASSELT
BE 0456.633.240
Wuustwezel · Eq €3.53M
CARVAL
BE 0675.671.217
Anzegem · Eq €3.53M
TEMUR
BE 0461.431.176
Heusden-Zolder · Eq €3.58M
Van Mossel VMVA Sint-Niklaas
BE 0443.185.179
Sint-Niklaas · Eq €3.59M
Of 7,376 companies in sector 95311 we hold annual accounts for 2,959. 893 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded21-12-1989
Fiscal year end30-11
Activities, NACEBEL
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50200
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
50103
50302
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filings
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.