Investments
Green is investment, beige is depreciation.
Green is investment, beige is depreciation.
Short-term debts fell from €13,506 to €4,150.
Seven of the last ten came late. The 2019 accounts came latest: 31 days after the end of the period.
In July 2024, 4,820 companies had the same profile as ICH AUTO has now. Each dot stands for 13 companies, two years later.
Another 0.1% stopped without a precise date, possibly only after those two years.
The method was tested on the 497,762 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 4,820 companies, not a prediction for ICH AUTO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | ||||
|---|---|---|---|---|
| ICH AUTO Duffel | - | - | 86.9% | - |
| Mobiliteitsdiensten België Antwerp | - | - | 88.2% | - |
| BJM-Pilots Maldegem | - | - | 100.0% | - |
| CHIDESTH INVESTMENT Denderleeuw | €9,198 | -18.8% | -34.6% | - |
| KIN'OKI Watermael-Boitsfort | - | - | 79.4% | - |
| VIG EXPRESS Mont-Saint-Guibert | €102,164 | -6.5% | 69.4% | - |
| RCA SERVICE Antwerp | - | - | 1.6% | - |
These companies have the same main activity as ICH AUTO: service activities incidental to land transportation (NACE 52210). They are comparable in size and age: total assets between €19,400 and €67,100, founded between 2011 and 2018.
ICH AUTO files the micro format. That format states no turnover. The gross margin rose from -€3,272 in 2015 to -€1,826 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The micro format does not require them.
Higher than 88% of 1,322 companies in 2025.
Higher than 89% of 1,260 companies in 2025.
Higher than 12% of 1,285 companies in 2025.
Net result: bottom quarter · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||||||||
20/58 |
31,711 | 45,320 | 41,563 | 55,413 | 56,847 | 54,418 | 20,545 | 28,141 | 32,050 | 9,243 | 11,059 | |
20 |
- | - | - | - | - | - | 40 | 234 | 429 | 623 | 817 | |
21/28 |
1,199 | 103 | 826 | 1,985 | 3,144 | 8,632 | 11,967 | 14,820 | 20,199 | 5,928 | 8,375 | |
22/27 |
1,109 | 13 | 736 | 1,895 | 3,054 | 8,542 | 11,877 | 14,730 | 20,109 | 5,838 | 7,468 | |
24 |
1,109 | 13 | 736 | 1,895 | 3,054 | 8,542 | 11,877 | 14,730 | 20,109 | 5,838 | 7,468 | |
28 |
90 | 90 | 90 | 90 | 90 | 90 | 90 | 90 | 90 | 90 | 90 | |
29/58 |
30,512 | 45,217 | 40,737 | 53,428 | 53,703 | 45,786 | 8,538 | 13,087 | 11,422 | 2,693 | 2,684 | |
3 |
- | - | - | 15,406 | 15,373 | 16,374 | - | - | - | - | - | |
30/36 |
- | - | - | 15,406 | 15,373 | 16,374 | - | - | - | - | - | |
40/41 |
29,013 | 36,860 | 21,148 | 27,647 | 28,524 | 21,885 | 209 | 182 | 566 | 8 | 110 | |
40 |
27,264 | 35,689 | 16,527 | 27,647 | 25,191 | 18,566 | 209 | 182 | 8 | 8 | 97 | |
41 |
1,749 | 1,170 | 4,621 | - | 3,333 | 3,319 | - | - | 558 | - | 13 | |
54/58 |
1,277 | 8,135 | 19,367 | 10,153 | 9,805 | 7,528 | 8,117 | 12,693 | 10,844 | 2,289 | 2,177 | |
490/1 |
222 | 222 | 222 | 222 | - | - | 212 | 212 | 12 | 396 | 396 | |
| Balance sheet: equity and liabilities | ||||||||||||
10/49 |
31,711 | 45,320 | 41,563 | 55,413 | 56,847 | 54,418 | 20,545 | 28,141 | 32,050 | 9,243 | 11,059 | |
10/15 |
27,560 | 31,814 | 19,128 | 17,140 | 8,243 | 10,833 | 5,140 | 8,818 | 11,422 | -639 | 2,217 | |
10/11 |
19,000 | 19,000 | 19,000 | 19,000 | 19,000 | 19,000 | 19,000 | 19,000 | 19,000 | 6,200 | 6,200 | |
100 |
- | - | - | - | - | - | 19,000 | 19,000 | 19,000 | 19,000 | 19,000 | |
101 |
- | - | - | - | - | - | - | - | - | 12,800 | 12,800 | |
14 |
8,560 | 12,814 | 128 | -1,860 | -10,757 | -8,167 | -13,860 | -10,183 | -7,578 | -6,839 | -3,983 | |
17/49 |
4,150 | 13,506 | 22,435 | 38,272 | 48,604 | 43,585 | 15,405 | 19,324 | 20,629 | 9,882 | 8,842 | |
42/48 |
4,150 | 13,506 | 22,435 | 38,272 | 48,604 | 43,585 | 15,405 | 19,202 | 20,616 | 9,882 | 8,842 | |
44 |
766 | 10,453 | 14,857 | 29,520 | 25,416 | 23,089 | 5,847 | 5,880 | 5,597 | 5,250 | 5,250 | |
440/4 |
766 | 10,453 | 14,857 | 29,520 | 25,416 | 23,089 | 5,847 | 5,880 | 5,597 | 5,250 | 5,250 | |
45 |
3,384 | 3,053 | 7,578 | 8,145 | 6,846 | 8,872 | 641 | 3,213 | 2,826 | 3,632 | 592 | |
450/3 |
3,384 | 3,053 | 732 | 1,299 | - | 85 | 641 | 387 | - | 234 | 509 | |
454/9 |
- | - | 6,846 | 6,846 | 6,846 | 8,787 | - | 2,826 | 2,826 | 3,399 | 82 | |
47/48 |
- | - | - | 607 | 16,342 | 11,623 | 8,918 | 10,110 | 12,193 | 1,000 | 3,000 | |
492/3 |
- | - | - | - | - | - | - | 121 | 13 | - | - | |
| Income statement | ||||||||||||
9900 |
-1,826 | 17,981 | 4,197 | 11,379 | 3,955 | 11,658 | 3,742 | 5,765 | 12,415 | 9,137 | -3,272 | |
62 |
- | - | - | - | - | - | - | - | - | 7,549 | - | |
630 |
278 | 723 | 1,159 | 1,159 | 5,488 | 5,436 | 4,805 | 5,379 | 5,379 | 1,630 | 682 | |
640/8 |
2,069 | 2,095 | 991 | 1,271 | 996 | 472 | 1,051 | 2,922 | 6,252 | 2,725 | - | |
66A |
- | - | - | - | - | - | - | - | 1,454 | - | - | |
9901 |
-4,173 | 15,163 | 2,046 | 8,949 | -2,530 | 5,751 | -2,114 | -2,536 | -670 | -2,766 | -3,954 | |
75/76B |
1 | - | - | 0 | 1 | 4 | - | - | - | - | - | |
75 |
1 | - | - | 0 | 1 | 4 | - | - | - | - | - | |
65/66B |
81 | 36 | 59 | 52 | 62 | 61 | 1,564 | 68 | 69 | 90 | 29 | |
65 |
81 | 36 | 59 | 52 | 62 | 61 | 68 | 68 | 69 | 90 | 29 | |
66B |
- | - | - | - | - | - | 1,495 | - | - | - | - | |
9903 |
-4,253 | 15,128 | 1,987 | 8,898 | -2,591 | 5,693 | -3,677 | -2,604 | -739 | -2,856 | -3,983 | |
67/77 |
- | 2,442 | - | - | - | - | - | - | - | - | - | |
9904 |
-4,253 | 12,686 | 1,987 | 8,898 | -2,591 | 5,693 | -3,677 | -2,604 | -739 | -2,856 | -3,983 | |
9905 |
-4,253 | 12,686 | 1,987 | 8,898 | -2,591 | 5,693 | -3,677 | -2,604 | -739 | -2,856 | -3,983 | |
| Appropriation of the result | ||||||||||||
9906 |
8,560 | 12,814 | 128 | -1,860 | -10,757 | -8,167 | -13,860 | -10,183 | -7,578 | -6,839 | -3,983 | |
14P |
12,814 | 128 | -1,860 | -10,757 | -8,167 | - | - | - | - | - | - | |
| Document | ||||||||||||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 31-07-2026.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 31-07-2026 | 2026-00383816 | |
| 31-12-2024 | micro format | 01-08-2025 | 2025-00370146 | |
| 31-12-2023 | micro format | 26-08-2024 | 2024-00396128 | |
| 31-12-2022 | micro format | 31-08-2023 | 2023-00435332 | |
| 31-12-2021 | micro format | 31-08-2022 | 2022-20424666 | |
| 31-12-2020 | micro format | 31-08-2021 | 2021-66000587 | |
| 31-12-2019 | micro format | 31-08-2020 | 2020-50800352 | |
| 31-12-2018 | micro format | 22-08-2019 | 2019-49700362 | |
| 31-12-2017 | micro format | 17-07-2018 | 2018-34300183 | |
| 31-12-2016 | micro format | 03-07-2017 | 2017-26400035 | |
| 31-12-2015 | abbreviated format | 31-08-2016 | 2016-57600571 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -3,894 | 15,886 | 3,205 | 10,108 | 2,959 | 11,186 | 2,691 | 2,843 | 4,709 | -1,136 | -3,272 | ||
| -3,975 | 13,409 | 3,146 | 10,057 | 2,897 | 11,129 | 1,127 | 2,775 | 4,640 | -1,226 | -3,301 | ||
| 1,375 | 0 | 0 | 0 | 0 | 2,100 | 3,695 | 0 | 21,645 | -817 | 8,150 | ||
| -6,859 | -11,232 | 9,214 | 348 | 2,278 | -590 | -4,576 | 1,849 | 8,555 | 111 | - | ||
| 26,361 | 31,711 | 18,302 | 15,156 | 5,099 | 2,202 | -6,867 | -6,116 | -9,193 | -7,190 | -6,158 | ||
| 86.9% | 70.2% | 46.0% | 30.9% | 14.5% | 19.9% | 25.0% | 31.3% | 35.6% | -6.9% | 20.0% | ||
| 7.35 | 3.35 | 1.82 | 1.40 | 1.10 | 1.05 | 0.55 | 0.68 | 0.55 | 0.27 | 0.30 | ||
| 7.35 | 3.35 | 1.82 | 0.99 | 0.79 | 0.67 | 0.55 | 0.68 | 0.55 | 0.27 | 0.30 | ||
| 0.15 | 0.42 | 1.17 | 2.23 | 5.90 | 4.02 | 3.00 | 2.19 | 1.81 | - | 3.99 | ||
| -15.4% | 39.9% | 10.4% | 51.9% | -31.4% | 52.6% | -71.5% | -29.5% | -6.5% | - | -179.7% | ||
| -13.4% | 28.0% | 4.8% | 16.1% | -4.6% | 10.5% | -17.9% | -9.3% | -2.3% | -30.9% | -36.0% | ||
| -47.90 | over 100 | 54.37 | over 100 | 47.74 | - | - | - | - | - | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | €1,375 | - | - | - | - |
| €278 | €723 | €1,159 | €1,159 | €5,488 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is a loss of €4,173, after a profit of €15,163 in 2024. It is the lowest result since 2015.
Debt's share of the balance-sheet total falls from 29.8% to 13.1%. Equity and debt are lower.
ICH AUTO has no parent and no holdings in its annual accounts. ICH AUTO shares no director with another company.
| Lauwers, Marcel (sole trader)
establishment since 18-06-1981 |
founded in 1981 0868.758.328 |
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Lindenlei 18 registered office 2570 Duffel 46711 Wholesale of cars and light vans (up to 3.5 tonnes) | 05-02-2015 | 2.239.586.478 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 12302D0547/00S002 | 154 m² | 1 · 66 m² | 8.9 m · 2 |
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