LABEL CAR
ActiveSummary
The computed 12-month bankruptcy probability of LABEL CAR is 1.7% (moderate). The 2025 annual accounts show equity of €32,137 and a net result of -€3,410. Equity is shrinking by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 84% of 11472 sector peers (fiscal year 2025). The company has been active since 1995 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Checked score
Score 2025
Axes · tick = 2024
Profitability8▼-1
Solvency100=
Growth32=
Track record92
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 6.24 against 6.84 in 2024; short-term debt: 16% and cash: 94.6% of total assets), and 16.1% of the assets are financed with debt.
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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
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
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
83.9%
Return on assets
-8.9%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€3,410
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
2 d late
2024
on the day
2023
2 d early
2022
1 d early
2021
7 d early
2020
1 d late
2019
60 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
UBO non-compliance
Checked, nothing found (1)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close27-09-2026 today31-01-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€32,137▼ 9.6%
2024 · €35,547
Total assets
€38,286▼ 7.6%
2024 · €41,449
Net result
-€3,410▼ 3.4%
2024 · -€3,297
Working capital
€32,152▼ 6.4%
2024 · €34,362
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€28,335▼ 977%-€0▲ 100.0%-€4,070▼ 1,043,423%-€3,273▲ 19.6%-€3,389▼ 3.5%
Net result-€38,748▼ 1,437%-€48▲ 99.9%-€4,118▼ 8,409%-€3,297▲ 19.9%-€3,410▼ 3.4%
Equity€43,009▼ 47.4%€42,961▼ 0.1%€38,843▼ 9.6%€35,547▼ 8.5%€32,137▼ 9.6%
Total assets€50,611▼ 41.1%€49,151▼ 2.9%€44,655▼ 9.1%€41,449▼ 7.2%€38,286▼ 7.6%
Debt€7,601▲ 84.5%€6,190▼ 18.6%€5,812▼ 6.1%€5,902▲ 1.6%€6,149▲ 4.2%
Working capital€38,209▲ 14.7%€39,361▲ 3.0%€36,458▼ 7.4%€34,362▼ 5.8%€32,152▼ 6.4%
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 €3,389 in 2025 against €3,273 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €38,286
Equity
€32,137 ▼ 9.6%
Debt
€6,149 ▲ 4.2%
Debt's share of the balance-sheet total rises from 14.2% to 16.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€2,189▼
2024 · -€2,073
Cash flow
-€2,210▼
2024 · -€2,097
Current ratio
6.24▼
2024 · 6.84
Debt to equity
0.19▲
2024 · 0.17
ROE
-10.6%▼
2024 · -9.3%
ROA
-8.9%▼
2024 · -8.0%
Interest coverage
-103.67▼
2024 · -86.36
Debt ≤ 1 year
€6,134▲
2024 · €5,887
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,304 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.6%
went bankrupt
8.6%
stopped otherwise
90%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 12,304 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €0 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €0 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,700 | €1,200 | €1,200 | €1,200 | €1,200 | = |
| Other operating charges640/8 | - | €462 | €594 | €718 | €729 | ▲ 1.5% |
| Non-recurring operating charges66A | - | €300 | €0 | - | - | - |
| Gross operating margin9900 | €4,311 | €1,962 | -€2,276 | -€1,354 | -€1,459 | ▼ 7.8% |
| Operating profit (loss)9901 | -€28,335 | -€0 | -€4,070 | -€3,273 | -€3,389 | ▼ 3.5% |
| Financial charges65/66B | - | €48 | €48 | €24 | €21 | ▼ 12.0% |
| Recurring financial charges65 | €48 | €48 | €48 | €24 | €21 | ▼ 12.0% |
| Profit (loss) for the period before taxes9903 | -€38,748 | -€48 | -€4,118 | -€3,297 | -€3,410 | ▼ 3.4% |
| Profit (loss) for the period9904 | -€38,748 | -€48 | -€4,118 | -€3,297 | -€3,410 | ▼ 3.4% |
| Profit (loss) for the period to be appropriated9905 | -€38,748 | -€48 | -€4,118 | -€3,297 | -€3,410 | ▼ 3.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €50,611 | €49,151 | €44,655 | €41,449 | €38,286 | ▼ 7.6% |
| Fixed assets21/28 | €4,800 | €3,600 | €2,400 | €1,200 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €4,800 | €3,600 | €2,400 | €1,200 | €0 | ▼ 100% |
| Plant, machinery and equipment23 | - | €3,600 | €2,400 | €1,200 | €0 | ▼ 100% |
| Current assets29/58 | €45,811 | €45,551 | €42,255 | €40,249 | €38,286 | ▼ 4.9% |
| Amounts receivable within one year40/41 | €1,566 | €2,355 | €1,823 | €1,943 | €2,075 | ▲ 6.8% |
| Trade receivables40 | - | €943 | €90 | €90 | €90 | = |
| Other amounts receivable41 | - | €1,412 | €1,733 | €1,853 | €1,985 | ▲ 7.1% |
| Cash at bank and in hand54/58 | €44,245 | €43,196 | €40,432 | €38,305 | €36,211 | ▼ 5.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €50,611 | €49,151 | €44,655 | €41,449 | €38,286 | ▼ 7.6% |
| Equity10/15 | €43,009 | €42,961 | €38,843 | €35,547 | €32,137 | ▼ 9.6% |
| Contributions10/11 | €17,724 | €17,724 | €17,724 | €17,724 | €17,724 | = |
| Capital10 | - | €17,724 | - | - | - | - |
| Issued capital100 | - | €18,592 | - | - | - | - |
| Uncalled capital101 | - | €868 | - | - | - | - |
| Reserves13 | €18,859 | €18,859 | €18,859 | €18,859 | €18,859 | = |
| Non-distributable reserves130/1 | - | €1,859 | €0 | - | - | - |
| Legal reserve130 | - | €1,859 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | €0 | - | - | - |
| Distributable reserves133 | - | €17,000 | €18,859 | €18,859 | €18,859 | = |
| Profit (loss) carried forward14 | €6,426 | €6,378 | €2,260 | -€1,037 | -€4,447 | ▼ 329% |
| Amounts payable17/49 | €7,601 | €6,190 | €5,812 | €5,902 | €6,149 | ▲ 4.2% |
| Amounts payable within one year42/48 | €7,601 | €6,190 | €5,797 | €5,887 | €6,134 | ▲ 4.2% |
| Trade debts44 | €119 | - | - | €90 | €337 | ▲ 274% |
| Suppliers440/4 | - | - | - | €90 | €337 | ▲ 274% |
| Taxes, remuneration and social security45 | - | €394 | €0 | - | - | - |
| Taxes450/3 | - | €394 | €0 | - | - | - |
| Other amounts payable47/48 | - | €5,797 | €5,797 | €5,797 | €5,797 | = |
| Accrued charges and deferred income492/3 | - | - | €15 | €15 | €15 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€38,748 | -€48 | -€4,118 | -€3,297 | -€3,410 | ▼ 3.4% |
| + Depreciation and write-downs630 | €1,700 | €1,200 | €1,200 | €1,200 | €1,200 | = |
| Operating cash flow (approximation) | -€37,048 | €1,152 | -€2,918 | -€2,097 | -€2,210 | ▼ 5.4% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€1,049 | -€2,764 | -€2,127 | -€2,094 | ▲ 1.5% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 2 days late
2025
11-04
KBO administration
UBO non-compliance
event 31-03-2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet -€38,748
Net result drops to -€38,748, the lowest in the series; recovery starts the following year.
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
30-06
Financial
Liquidity quadruplescurrent ratio 9.09
Current ratio from 2.15 to 9.09; short-term debt falls from €32,937 to €4,119.
2019
02-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
19-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
12-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Ferrières · 1 establishment unit since 2003
Ground area
1,588 m²
Building footprint
174 m²
Volume, LiDAR
1,309 m³
2 parcels, Wallonia · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
LABEL CAR
since 20032.122.258.941
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61313A0511/00K000 | Wallonia | 1,484 m² | 1 · 98 m² | 8.3 m · 2 fl. |
| 61313A0492/00F000 | Wallonia | 105 m² | 1 · 76 m² | 9.6 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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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TVB Export
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Benscars
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Of 2,129 companies in sector 46711 we hold annual accounts for 1,128. 668 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded29-06-1995
Fiscal year end30-06
Activities, NACEBEL 2025
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.