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M & J Automotive

Active
Private limited companyfounded 2024active for 2 yearsSt.-Truidenstraat 22, 3404 Landen, BelgiumKBO/BCE: BE 1013.424.326
Summary

M & J Automotive has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€5,475) and a net result of -€11,675. Its solvency ranks better than 18% of 13,741 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Overview

Official details

Source: KBO
Status
Active since 11-09-2024 Normal situation
Activity
Wholesale of cars and light vans (up to 3.5 tonnes) NACE 46711and 5 others
Establishment units
2.363.461.715 3800 Sint-Truiden, since 01-10-2024
2.363.461.814 3404 Landen, since 01-10-2024
Financial year end
31 December
Peppol
Reachable since 16-01-2026

Financial position

54 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.0%
Annual accounts 2025
Gross margin
-€9,979
Loss
€11,675
Equity
-€5,475
Total assets
€107,484
  • Negative equity on 31-12-2025
Turnover not published (micro format)
Score breakdownraises riskCapped at 59: negative equityFounded in 2024Negative equity -€5,475lowers riskLiquidity: current ratio 0.95, cash €64,521Size: total assets €107,484Show the evidence

Checked score

Score 2025
54 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 27% of micro companies in wholesale trade (NACE 46)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength
Weak
Solvency 20
equity -5.1% of total assets
Liquidity 50
short-term debt 105.1% · cash 60.0%
Profitability 5
return on assets -10.9%
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,899 companies, NACE 46, micro)
Last 24 months 10-2025: 1.9% 11-2025: 1.9%● unchanged vs 10-2025 12-2025: 2.0%▲ +0.1 percentage points vs 11-2025 01-2026: 2.4%▲ +0.4 percentage points vs 12-2025 02-2026: 2.4%● unchanged vs 01-2026 03-2026: 2.7%▲ +0.3 percentage points vs 02-2026 04-2026: 3.0%▲ +0.3 percentage points vs 03-2026highest value 05-2026: 0.9%▼ -2.1 percentage points vs 04-2026 06-2026: 0.9%● unchanged vs 05-2026 07-2026: 0.9%● unchanged vs 06-2026 08-2026: 0.9%● unchanged vs 07-2026lowest value 09-2026: 1.0%▲ +0.1 percentage points vs 08-2026 10-2026: 1.0%● unchanged vs 09-2026 11-2026: 1.0%● unchanged vs 10-2026
No credit on open account
Liquidity is insufficient, with a current ratio of 0.95, below 1. Short-term debt is 105.1% and cash 60% of total assets. Equity is negative.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 15% of them on solvency, 51% on liquidity and 14% on profitability.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Liquidity: current ratio 0.95, cash €64,521
NBB · annual accounts
lowers risk · Size: total assets €107,484
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Founded in 2024
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Negative equity -€5,475
NBB · annual accounts
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
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 24-04-2026, 98 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
98 days early
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2024.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€5,475 View
  • Caution: Directors leftlatest change 04-03-2026 · 2 in office 3 left View
  • Caution: Lower net result than 83% of companies in wholesale tradesector median €5,660 · 13,747 companies -€11,675 View

Recent changes

  1. · Gazette deed Transfer of 100 sharesResignations: Joris Mathias, Schoukens Jade Eden and Nulens Leen
  2. · Gazette deed IncorporationStarting capital €6,200 · Appointments: MEUREAU Dominique Philippe Ghislain, JORIS Mathias and 2 others
All 3 events

Comparable companies

These companies have the same main activity as M & J Automotive: wholesale of cars and light vans (up to 3.5 tonnes) (NACE 46711). They are comparable in size and age: total assets between €56,200 and €98,900, founded in 2024.

CompanyTotal assetsGross margin
M & J Automotive Landen€107,484-€9,979
AUTO'S HASSAN Wommelgem€98,880-€7,132
DBCarSelect Namur€81,907-€16,235
MON AGENCE AUTO Tongeren-Borgloon€78,450-€25,364
YA-MOTORS Sint-Genesius-Rode€69,385-€1,735
AFA & FILS Vilvoorde€67,562-€2,802
NATIVE AUTO Vilvoorde€56,238€715
Full comparison

Key facts about M & J Automotive

What is the company number of M & J Automotive?
The company number of M & J Automotive is 1013.424.326. The VAT number is the same number with BE in front: BE 1013.424.326.
Where is M & J Automotive based?
The registered office is at St.-Truidenstraat 22, 3404 Landen.Company details
What does M & J Automotive do?
According to the KBO register, the main activity is wholesale of cars and light vans (up to 3.5 tonnes) (NACE 46711).
What is the legal form of M & J Automotive?
The legal form of M & J Automotive is Private limited company (BV).
When was M & J Automotive founded?
M & J Automotive was founded on 11-09-2024.
Is M & J Automotive still active?
Yes, M & J Automotive is an active enterprise in the KBO register.
What is the turnover of M & J Automotive?
The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
Is M & J Automotive profitable?
In financial year 2025, M & J Automotive made a loss of €11,675.
Where can I find the annual accounts of M & J Automotive?
M & J Automotive filed 1 annual account with the National Bank of Belgium, for financial year 2025.

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