MAC Automotive

Active

Private limited companyfounded 20224 yrs activeKampelaar 10, 2930 Brasschaat, BelgiumKBO/BCE: BE 0782.864.828

The computed 12-month bankruptcy probability of MAC Automotive is 2.0% (moderate). The 2024 annual accounts show equity of €1.01M and a net result of €561k. Equity is growing by ~86% per year across the filed fiscal years. Its solvency ranks better than 47% of 9039 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

73 / 100

Healthy

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability98▲+7

Solvency67▲+4

Growth78=

Track record94

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €70k at 30 days acceptable

Liquidity ample (current ratio 1.72 against 1.56 in 2023; short-term debt: 57.4% and cash: 70.4% of total assets), but 58.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

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

Sector 46

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

41.9%

Return on assets

23.3%

Age of the figures

21 mo

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-06-2025, 37 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

not confirmed

2024

37 d early

2023

34 d early

2022

31 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, abbreviated schema

Equity

€1.01M▲ 125%

2023 · €449k

2022: €238k 2023: €449k

2022 → 2024

Total assets

€2.41M▲ 104%

2023 · €1.18M

2022: €1.15M 2023: €1.18M

2022 → 2024

Net result

€561k▲ 166%

2023 · €211k

2022: €188k 2023: €211k

2022 → 2024

Working capital

€995k▲ 143%

2023 · €410k

2022: €210k 2023: €410k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€238k-€449k▲ 88.5%€1.01M▲ 125%

Operating result€276k-€313k▲ 13.5%€818k▲ 161%

Net result€188k-€211k▲ 12.0%€561k▲ 166%

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has risen two years in a row; 2024 is 161% above 2023 and is the highest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €2.41M

98.6%

Fixed assets €34k▼ 18.7%

Current assets €2.38M▲ 108%

Equity and liabilities €2.41M

41.9%

58.1%

Equity €1.01M▲ 125%

Debt €1.40M▲ 91.1%

The debt ratio falls from 62.0% to 58.1%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€828k▲

2023 · €321k

Cash flow

€572k▲

2023 · €219k

Solvency

41.9%▲

2023 · 38.0%

Current ratio

1.72▲

2023 · 1.56

Quick ratio

1.23▲

2023 · 0.56

Debt / equity

1.39▼

2023 · 1.63

ROE

55.5%▲

2023 · 47.0%

ROA

23.3%▲

2023 · 17.8%

Interest coverage

484.98▲

2023 · 40.64

Debt

€1.40M▲

2023 · €734k

Debt ≤ 1 year

€1.38M▲

2023 · €731k

Income taxes

€260k▲

2023 · €94k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€1.18M€2.41M▲

Fixed assets21/28€42k€34k▼

Tangible fixed assets22/27€42k€34k▼

Plant, machinery and equipment23€11k€11k▼

Furniture and vehicles24€10k€7k▼

Other tangible fixed assets26€21k€16k▼

Current assets29/58€1.14M€2.38M▲

Stocks and contracts in progress3€734k€675k▼

Stocks30/36€734k€675k▼

Amounts receivable within one year40/41€229k€843▼

Trade receivables40€228k€843▼

Other amounts receivable41€346€0▼

Cash at bank and in hand54/58€175k€1.70M▲

Deferred charges and accrued income490/1€4k€6k▲

Equity and liabilities

Total equity and liabilities10/49€1.18M€2.41M▲

Equity10/15€449k€1.01M▲

Contributions10/11€50k€50k=

Reserves13€399k€961k▲

Distributable reserves133€399k€961k▲

Amounts payable17/49€734k€1.40M▲

Amounts payable within one year42/48€731k€1.38M▲

Financial debts43€0-

Credit institutions430/8€0-

Trade debts44€56k€336k▲

Suppliers440/4€56k€336k▲

Advances received on contracts in progress46€0€49k▲

Taxes, remuneration and social security45€234k€563k▲

Taxes450/3€234k€563k▲

Other amounts payable47/48€442k€437k▼

Accrued charges and deferred income492/3€3k€18k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€10k▲

Other operating charges640/8€3k€2k▼

Gross operating margin9900€324k€830k▲

Operating profit (loss)9901€313k€818k▲

Financial income75/76B€240€6k▲

Recurring financial income75€240€6k▲

Financial charges65/66B€8k€2k▼

Recurring financial charges65€8k€2k▼

Profit (loss) for the period before taxes9903€305k€822k▲

Income taxes67/77€94k€260k▲

Profit (loss) for the period9904€211k€561k▲

Profit (loss) for the period to be appropriated9905€211k€561k▲

Appropriation of the result

Profit (loss) to be appropriated9906€211k€561k▲

Transfer to equity691/2€211k€561k▲

To other reserves6921€211k€561k▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 5Financial 2Filings 3

2025

24-06

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

31-12

Financial Highest result since 2022net €561k ▲166%

Operating result €818k, net result €561k, both a record.

31-12

Financial Equity above €1MEq €1.01M ▲125%

3 profitable years in a row build equity to €1.01M.

27-06

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

30-06

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Brasschaat · 2 establishment units since 2022

establishment approximate All 2 establishment units on the map

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.

Kampelaar 102930 Brasschaat

Ground area

161 m²

Building footprint

165 m²

Volume, LiDAR

908 m³

2 parcels, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.

2 establishment units

MAC Automotive

Kampelaar 10, 2930 BrasschaatNACE 45111

since 20222.328.988.410

MAC Automotive

Klinkaardstraat 210, 2950 KapellenRetail sale of cars and light vans (up to 3.5 tonnes)

since 20252.374.416.280

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11322E0322/00V003	Flanders	94 m²	1 · 165 m²	8.7 m · 2 fl.
11023A0605/00K000indicative	Flanders	66 m²	-	-

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.

Similar companies · same sector, comparable size

DE SMET MOTORS

BE 0878.507.224

Geraardsbergen · Eq €1.02M

Aartselaar · Eq €987k

Of 2,128 companies in sector 46711 we hold annual accounts for 1,126. 603 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded03-03-2022

Fiscal year end31-12

Activities, NACEBEL

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)

95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.