MOTOR CHAU
ActiveSummary
The computed 12-month bankruptcy probability of MOTOR CHAU is 2.0% (moderate). The 2025 annual accounts show equity of €12k and a net result of €1k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 31% of 18280 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
37
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▲+3
Solvency37=
Growth78=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.14 against 1.13 in 2024; short-term debt: 87.9% and cash: 0.1% of total assets), and 87.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year €12k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 5 filingsDeviation from the deadline
2025
24 d late
2024
29 d late
2023
29 d late
2022
27 d late
2021
21 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€112k
EBIT margin
0.1%
Net result
€1k▲ 298%
2024 · €307
2021: €1
2022: €40
2023: €60
2024: €307
2021 → 2025
Working capital
€12k▲ 11.8%
2024 · €10k
2021: €10k
2022: €10k
2023: €10k
2024: €10k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€112k-
Equity€10k-€10k▲ 0.4%€10k▲ 0.6%€10k▲ 3.0%€12k▲ 11.8%
Operating result€86-€318▲ 268%€204▼ 35.9%€592▲ 190%€2k▲ 223%
Net result€1-€40▲ 2,640%€60▲ 50.3%€307▲ 411%€1k▲ 298%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 223% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €96k
Equity
€12k ▲ 11.8%
Debt
€85k ▲ 7.6%
Debt's share of the balance-sheet total falls from 88.3% to 87.9%. Equity and debt are higher.
Key figures and ratios
Current ratio
1.14▲
2024 · 1.13
Quick ratio
0.20▼
2024 · 0.95
Debt to equity
7.29▼
2024 · 7.57
ROE
10.5%▲
2024 · 3.0%
ROA
1.3%▲
2024 · 0.3%
Debt ≤ 1 year
€85k▲
2024 · €79k
Income taxes
€557▲
2024 · €165
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 33 lines
Balance sheet
Code20242025
Assets
Total assets20/58€89k€96k▲
Current assets29/58€89k€96k▲
Stocks and contracts in progress3€15k€80k▲
Stocks30/36€15k€80k▲
Amounts receivable within one year40/41€73k€17k▼
Trade receivables40€72k€9k▼
Other amounts receivable41€835€7k▲
Cash at bank and in hand54/58€2k€100▼
Deferred charges and accrued income490/1€32€0▼
Equity and liabilities
Total equity and liabilities10/49€89k€96k▲
Equity10/15€10k€12k▲
Contributions10/11€10k€10k=
Reserves13€409€2k▲
Distributable reserves133€409€2k▲
Amounts payable17/49€79k€85k▲
Amounts payable within one year42/48€79k€85k▲
Trade debts44€45€3k▲
Suppliers440/4€45€3k▲
Taxes, remuneration and social security45€1k€0▼
Taxes450/3€1k€0▼
Other amounts payable47/48€78k€82k▲
Income statement
Code20242025
Other operating charges640/8€1k€5k▲
Gross operating margin9900€2k€7k▲
Operating profit (loss)9901€592€2k▲
Financial charges65/66B€120€131▲
Recurring financial charges65€120€131▲
Profit (loss) for the period before taxes9903€472€2k▲
Income taxes67/77€165€557▲
Profit (loss) for the period9904€307€1k▲
Profit (loss) for the period to be appropriated9905€307€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€307€1k▲
Transfer to equity691/2€307€1k▲
To other reserves6921€307€1k▲
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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Highest result since 2021net €1k ▲298%
Operating result €2k, net result €1k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
27-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 27 days late
2022
21-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 21 days late
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, Saint-Ghislain · 1 establishment unit since 2021
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.
Rue Albert Bériot(S) 1577332 Saint-GhislainGround area
6,730 m²
Parcel 53073B0293/00A000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Motor Chau
since 20212.319.413.916
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53073B0293/00A000 | Wallonia | 6,730 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
GARAGE RENE
BE 0425.548.205
Mechelen · Eq €11,617
SEB TRADING
BE 0444.753.809
Châtelet · Eq €11,616
FRDDB SERVICES
BE 0541.384.219
Sint-Niklaas · Eq €11,603
K.E CARS
BE 0768.518.330
Meise · Eq €11,667
PHILIPS CARS
BE 0456.817.639
Asse · Eq €11,598
Of 10,671 companies in sector 47811 we hold annual accounts for 5,222. 2,218 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-2021
Fiscal year end31-12
Activities, NACEBEL 2025
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)
95316Washing and cleaning of motor vehicles
47820Retail sale of motor vehicle parts and accessories
46713Wholesale trade
46720Wholesale of motor vehicle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.