M.v. CARS
ActiveThe computed 12-month bankruptcy probability of M.v. CARS is 4.7% (elevated). The 2025 annual accounts show equity of €25k and a net result of €17k. Its solvency ranks better than 49% of 18237 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+19
Solvency58▲+15
Growth78
Track record82
Bankruptcy probability, 12 months
4.7%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.49 against 1.2 in 2024; short-term debt: 66.6% and cash: 10% of total assets), and 66.6% 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 · Young company
A young company has little track record yet and statistically fails more often than an established 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 47
Relative position
BE, all sectors
reference
Sector 47
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
33.4%
Return on assets
23.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
27 d late
2024
44 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€25k▲ 223%
2024 · €8k
2024: €8k
2024 → 2025
Total assets
€75k▲ 70.0%
2024 · €44k
2024: €44k
2024 → 2025
Net result
€17k▲ 361%
2024 · €4k
2024: €4k
2024 → 2025
Working capital
€24k▲ 239%
2024 · €7k
2024: €7k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€8k-€25k▲ 223%
Operating result€5k-€22k▲ 370%
Net result€4k-€17k▲ 361%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 370% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €75k
Fixed assets
€615▲ 11.3%
Current assets
€74k▲ 70.7%
Equity and liabilities €75k
Equity
€25k▲ 223%
Debt
€50k▲ 37.3%
The debt ratio falls from 82.4% to 66.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€22k▲
2024 · €7k
Cash flow
€18k▲
2024 · €6k
Solvency
33.4%▲
2024 · 17.6%
Current ratio
1.49▲
2024 · 1.20
Quick ratio
0.28▼
2024 · 0.32
Debt / equity
1.99▼
2024 · 4.68
ROE
69.0%▲
2024 · 48.4%
ROA
23.1%▲
2024 · 8.5%
Interest coverage
100.10▲
2024 · 15.83
Debt
€50k▲
2024 · €36k
Debt ≤ 1 year
€50k▲
2024 · €36k
Income taxes
€5k▲
2024 · €964
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€44k€75k▲
Formation expenses20€0-
Fixed assets21/28€553€615▲
Tangible fixed assets22/27€553€615▲
Plant, machinery and equipment23€553€615▲
Current assets29/58€44k€74k▲
Stocks and contracts in progress3€32k€60k▲
Stocks30/36€32k€60k▲
Amounts receivable within one year40/41-€6k
Trade receivables40-€6k
Cash at bank and in hand54/58€11k€7k▼
Deferred charges and accrued income490/1€424€138▼
Equity and liabilities
Total equity and liabilities10/49€44k€75k▲
Equity10/15€8k€25k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€4k€21k▲
Amounts payable17/49€36k€50k▲
Amounts payable within one year42/48€36k€50k▲
Trade debts44€387€1k▲
Suppliers440/4€387€1k▲
Advances received on contracts in progress46-€600
Taxes, remuneration and social security45€3k€12k▲
Taxes450/3€2k€12k▲
Remuneration and social security454/9€1k-
Other amounts payable47/48€33k€37k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€267▼
Other operating charges640/8€950€103▼
Gross operating margin9900€8k€22k▲
Operating profit (loss)9901€5k€22k▲
Financial income75/76B€500€104▼
Recurring financial income75€500€104▼
Financial charges65/66B€462€222▼
Recurring financial charges65€462€222▼
Profit (loss) for the period before taxes9903€5k€22k▲
Income taxes67/77€964€5k▲
Profit (loss) for the period9904€4k€17k▲
Profit (loss) for the period to be appropriated9905€4k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€21k▲
Profit (loss) brought forward from the previous period14P-€4k
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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 · 2 establishment units since 2024
Ground area
832 m²
Building footprint
539 m²
Volume, LiDAR
11,517 m³
2 parcels, Brussels, Wallonia · tallest building 27.7 m, ±8 floors. Linked by address, not a title deed.
2 establishment units
M.v. CARS
since 20242.362.671.461
M.V CARS
since 20252.373.349.478
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21808H1778/00D000 | Brussels | 670 m² | 1 · 488 m² | 27.7 m · 8 fl. |
| 53065A0858/00C008indicative | Wallonia | 161 m² | 1 · 51 m² | 9.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 2,847 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-08-2024
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:m.v.cars77@outlook.com
Phone:+32478034697