GLOSS CAR
ActiveSummary
GLOSS CAR has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €100k and a net result of €780. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 91% of 2544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+70
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 6.96 against 11.58 in 2024; short-term debt: 13.9% and cash: 17.6% of total assets), and 13.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
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
86.1%
Return on assets
0.7%
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
43 d early
2023
55 d early
2022
42 d early
2021
3 d early
2020
12 d early
2019
15 d early
← 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
€100k▲ 0.8%
2024 · €99k
2018: €86k
2019: €85k
2020: €114k
2021: €122k
2022: €115k
2023: €125k
2024: €99k
2018 → 2025
Total assets
€116k▲ 7.9%
2024 · €108k
2018: €104k
2019: €105k
2020: €123k
2021: €161k
2022: €138k
2023: €144k
2024: €108k
2018 → 2025
Net result
€780
2024 · €-25k
2018: €28k
2019: €-858
2020: €30k
2021: €8k
2022: €-7k
2023: €10k
2024: €-25k
2018 → 2025
Working capital
€96k▲ 8.2%
2024 · €89k
2018: €81k
2019: €85k
2020: €114k
2021: €111k
2022: €103k
2023: €112k
2024: €89k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€122k-€115k▼ 6.0%€125k▲ 8.4%€99k▼ 20.4%€100k▲ 0.8%
Operating result€11k-€-7k€11k€-25k€1k
Net result€8k-€-7k€10k€-25k€780
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €1k after a loss of €25k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €116k
Fixed assets
€3k ▼ 65.2%
Current assets
€113k ▲ 15.4%
Equity and liabilities €116k
Equity
€100k ▲ 0.8%
Debt
€16k ▲ 92.0%
Debt's share of the balance-sheet total rises from 7.8% to 13.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€8k▲
2024 · €-19k
Cash flow
€7k▲
2024 · €-19k
Current ratio
6.96▼
2024 · 11.58
Debt to equity
0.16▲
2024 · 0.08
ROE
0.8%▲
2024 · -25.7%
ROA
0.7%▲
2024 · -23.7%
Interest coverage
69.31▲
2024 · -82.10
Debt ≤ 1 year
€16k▲
2024 · €8k
Income taxes
€133▲
2024 · €112
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 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€108k€116k▲
Fixed assets21/28€10k€3k▼
Tangible fixed assets22/27€10k€3k▼
Furniture and vehicles24€10k€3k▼
Financial fixed assets28€340€340=
Current assets29/58€97k€113k▲
Amounts receivable within one year40/41€93k€92k▼
Trade receivables40€3k€9k▲
Other amounts receivable41€90k€83k▼
Cash at bank and in hand54/58€5k€20k▲
Equity and liabilities
Total equity and liabilities10/49€108k€116k▲
Equity10/15€99k€100k▲
Contributions10/11€14k€14k=
Outside capital11€14k€14k=
Share premium1100/10€14k€14k=
Profit (loss) carried forward14€85k€86k▲
Amounts payable17/49€8k€16k▲
Amounts payable within one year42/48€8k€16k▲
Current portion of amounts payable after more than one year42€4k-
Trade debts44€1k€13k▲
Suppliers440/4€1k€13k▲
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€4k€2k▼
Remuneration and social security454/9-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Other operating charges640/8€1k€1k▲
Gross operating margin9900€-17k€9k▲
Operating profit (loss)9901€-25k€1k▲
Financial charges65/66B€226€109▼
Recurring financial charges65€226€109▼
Profit (loss) for the period before taxes9903€-25k€913▲
Income taxes67/77€112€133▲
Profit (loss) for the period9904€-25k€780▲
Profit (loss) for the period to be appropriated9905€-25k€780▲
Appropriation of the result
Profit (loss) to be appropriated9906€85k€86k▲
Profit (loss) brought forward from the previous period14P€110k€85k▼
The notes to these accounts (4 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €780
Net result €780 after one loss-making year.
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-25k ▼364%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 14.53
Current ratio from 5.30 to 14.53; short-term debt falls from €20k to €8k.
31-12
Financial
Equity above €100kEq €114k ▲34.7%
Equity rises from €85k to €114k.
Show earlier events
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-03
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
4 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, Charleroi · 1 establishment unit since 2009
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.
Rue Alfred Georges 986042 CharleroiGround area
5,877 m²
Building footprint
604 m²
Volume, LiDAR
11,962 m³
2 parcels, Wallonia · tallest building 27.0 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée de Châtelet 117, 6060 Charleroi
since 20092.182.810.103
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52026C0580/00S000 | Wallonia | 5,753 m² | 1 · 480 m² | 27.0 m · 8 fl. |
| 52040C0065/00D007 | Wallonia | 125 m² | 1 · 124 m² | 7.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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JOBEMA
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ARSH AMANIS
BE 0897.889.309
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AFFLUX
BE 0673.646.786
Saint-Nicolas · Eq €101,992
CARLAB
BE 0802.246.319
Brugge · Eq €97,393
Of 3,209 companies in sector 95316 we hold annual accounts for 752. 534 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
Founded30-10-2009
Fiscal year end31-12
Activities, NACEBEL 2025
95316Washing and cleaning of motor vehicles
95314Bodywork repair (including spraying and painting)
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.