H.D. CAR
ActiveH.D. CAR has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-23k) and a net result of €-8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 13% of 2514 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
36
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability11▲+11
Solvency6▼-2
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.8 against 0.74 in 2024; short-term debt: 118.6% and cash: 12.2% of total assets), and equity is negative.
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
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-18.7%
Return on assets
-6.2%
Age of the figures
9 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 →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-23k
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 11-07-2026, 20 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
20 d early
2024
34 d early
2023
35 d early
2022
11 d early
2021
31 d late
2020
47 d late
2019
61 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-23k▼ 50.1%
2024 · €-15k
2018: €-18k
2019: €-13k
2020: €-8k
2021: €-14k
2022: €-8k
2023: €416
2024: €-15k
2018 → 2025
Total assets
€121k▲ 34.2%
2024 · €90k
2018: €76k
2019: €50k
2020: €38k
2021: €72k
2022: €87k
2023: €84k
2024: €90k
2018 → 2025
Net result
€-8k▲ 51.3%
2024 · €-15k
2018: €10k
2019: €5k
2020: €5k
2021: €-6k
2022: €6k
2023: €9k
2024: €-15k
2018 → 2025
Working capital
€-29k▼ 5.4%
2024 · €-27k
2018: €-19k
2019: €-14k
2020: €-11k
2021: €-36k
2022: €-25k
2023: €-16k
2024: €-27k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-14k-€-8k▲ 44.0%€416€-15k€-23k▼ 50.1%
Operating result€-5k-€5k€7k▲ 34.9%€-15k€-7k▲ 53.8%
Net result€-6k-€6k€9k▲ 33.8%€-15k€-8k▲ 51.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7k in 2025 against €15k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €121k
Fixed assets
€6k▼ 49.7%
Current assets
€115k▲ 47.2%
Key figures and ratios
EBITDA
€-824▲
2024 · €-9k
Cash flow
€-2k▲
2024 · €-10k
Solvency
-18.7%▼
2024 · -16.7%
Current ratio
0.80▲
2024 · 0.74
Quick ratio
0.17▲
2024 · 0.12
Debt / equity
-6.36▲
2024 · -6.99
ROA
-6.2%▲
2024 · -17.2%
Interest coverage
-1.53▲
2024 · -14.07
Debt
€144k▲
2024 · €105k
Debt ≤ 1 year
€144k▲
2024 · €105k
Income taxes
€176▲
2024 · €174
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€90k€121k▲
Fixed assets21/28€12k€6k▼
Tangible fixed assets22/27€12k€6k▼
Plant, machinery and equipment23€7k€4k▼
Furniture and vehicles24€1k€758▼
Other tangible fixed assets26€4k€930▼
Financial fixed assets28€516€516=
Current assets29/58€78k€115k▲
Stocks and contracts in progress3€65k€90k▲
Stocks30/36€65k€90k▲
Amounts receivable within one year40/41€7k€8k▲
Trade receivables40€7k€5k▼
Other amounts receivable41€662€3k▲
Cash at bank and in hand54/58€3k€15k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€90k€121k▲
Equity10/15€-15k€-23k▼
Contributions10/11€19k€19k=
Reserves13€149€149=
Distributable reserves133€149€149=
Profit (loss) carried forward14€-34k€-41k▼
Amounts payable17/49€105k€144k▲
Amounts payable within one year42/48€105k€144k▲
Trade debts44€70k€77k▲
Suppliers440/4€70k€77k▲
Advances received on contracts in progress46-€38k
Taxes, remuneration and social security45€174€184▲
Taxes450/3€174€184▲
Other amounts payable47/48€35k€28k▼
Accrued charges and deferred income492/3-€69
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€-7k€1k▲
Operating profit (loss)9901€-15k€-7k▲
Financial income75/76B€109€6▼
Recurring financial income75€109€6▼
Financial charges65/66B€627€537▼
Recurring financial charges65€627€537▼
Profit (loss) for the period before taxes9903€-15k€-7k▲
Income taxes67/77€174€176▲
Profit (loss) for the period9904€-15k€-8k▲
Profit (loss) for the period to be appropriated9905€-15k€-8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-34k€-41k▼
Profit (loss) brought forward from the previous period14P€-18k€-34k▼
The notes to these accounts (5 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
11-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-15k ▼282%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
16-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 47 days late
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
21-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 52 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Andenne · 1 establishment unit since 1985
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 Tramaka 4 C45300 AndenneGround area
558 m²
Building footprint
75 m²
Parcel 92411B0168/00S015, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Tramaka 4 c4, 5300 Andenne
since 19852.027.959.402
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92411B0168/00S015 | Wallonia | 558 m² | 1 · 75 m² | - |
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
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BE 0722.841.327
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LUBO AUTOMOBILES
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PEIGNEUR AUTOMOBILES
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Of 7,377 companies in sector 95311 we hold annual accounts for 2,957. 141 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-10-1985
Fiscal year end31-12
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)
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.