GRACE FLEET
ActiveThe computed 12-month bankruptcy probability of GRACE FLEET is 2.8% (moderate). The 2025 annual accounts show equity of €19k and a net result of €7k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 48% of 11195 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
86
/ 100
Excellent▲ +23 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency76▲+4
Growth58=
Stability94
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.66 against 1.6 in 2024), but 60.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
39.9%
Return on assets
13.9%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €19k
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 13-05-2026, 79 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
79 d early
2024
31 d early
2023
45 d early
2022
32 d early
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▲ 53.3%
2024 · €13k
2022: €44k
2023: €16k
2024: €13k
2022 → 2025
Total assets
€48k▲ 45.3%
2024 · €33k
2022: €46k
2023: €20k
2024: €33k
2022 → 2025
Net result
€7k
2024 · €-3k
2022: €-6k
2023: €-29k
2024: €-3k
2022 → 2025
Working capital
€19k▲ 54.2%
2024 · €12k
2022: €43k
2023: €15k
2024: €12k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€44k-€16k▼ 64.6%€13k▼ 20.1%€19k▲ 53.3%
Operating result€-3k-€-26k▼ 716%€1k€10k▲ 688%
Net result€-6k-€-29k▼ 391%€-3k▲ 89.0%€7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 688% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48k
Fixed assets
€200=
Current assets
€48k▲ 45.6%
Equity and liabilities €48k
Equity
€19k▲ 53.3%
Debt
€29k▲ 40.4%
The debt ratio falls from 62.2% to 60.1%: equity grows faster than debt.
Key figures and ratios
Solvency
39.9%▲
2024 · 37.8%
Current ratio
1.66▲
2024 · 1.60
Quick ratio
1.66▲
2024 · 1.60
Debt / equity
1.51▼
2024 · 1.64
ROE
34.8%▲
2024 · -25.1%
ROA
13.9%▲
2024 · -9.5%
Debt
€29k▲
2024 · €21k
Debt ≤ 1 year
€29k▲
2024 · €21k
Staff costs
€81k▲
2024 · €78k
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€33k€48k▲
Fixed assets21/28€200€200=
Financial fixed assets28€200€200=
Current assets29/58€33k€48k▲
Amounts receivable within one year40/41€718€28k▲
Trade receivables40-€27k
Other amounts receivable41€718€770▲
Cash at bank and in hand54/58€32k€20k▼
Equity and liabilities
Total equity and liabilities10/49€33k€48k▲
Equity10/15€13k€19k▲
Contributions10/11€50k€50k=
Profit (loss) carried forward14€-37k€-31k▲
Amounts payable17/49€21k€29k▲
Amounts payable within one year42/48€21k€29k▲
Trade debts44€1k€5k▲
Suppliers440/4€1k€5k▲
Taxes, remuneration and social security45€17k€21k▲
Taxes450/3€1k€1k=
Remuneration and social security454/9€15k€19k▲
Other amounts payable47/48€3k€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€78k€81k▲
Other operating charges640/8€199-
Gross operating margin9900€80k€91k▲
Operating profit (loss)9901€1k€10k▲
Financial income75/76B-€14
Recurring financial income75-€14
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€-3k€7k▲
Profit (loss) for the period9904€-3k€7k▲
Profit (loss) for the period to be appropriated9905€-3k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-37k€-31k▲
Profit (loss) brought forward from the previous period14P€-34k€-37k▼
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
13-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €7k
Net result €7k after 3 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-29k
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Brussel · 1 establishment unit since 2024
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.
Louizalaan 2311050 BrusselGround area
5,672 m²
Building footprint
3,878 m²
Volume, LiDAR
86,391 m³
Parcel 21807G0131/00T000, Brussels · tallest building 45.8 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Louizalaan 231, 1050 Elsene
since 20242.357.429.996
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0131/00T000 | Brussels | 5,672 m² | 1 · 3,878 m² | 45.8 m · 8 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
JD CLASSIC CARS
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ALUKOV Benelux
BE 0465.969.291
Duffel · Eq €19k
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BE 0698.675.162
Turnhout · Eq €19k
CornerSports
BE 0477.156.163
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OSA
BE 0679.773.327
Koksijde · Eq €19k
Of 4,406 companies in sector 46180 we hold annual accounts for 1,875. 1,137 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-08-2022
Fiscal year end31-12
Activities, NACEBEL
46711Wholesale of cars and light vans (up to 3.5 tonnes)
45112
46180Agents specialised in the wholesale of other particular products
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46712Wholesale trade
45192
47812Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.