O GARAGE
ActiveO GARAGE has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1k and a net result of €5k. Equity is growing by ~29.4% per year across the filed fiscal years. Its solvency ranks better than 24% of 2526 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
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
Profitability100▲+99
Solvency35▲+35
Growth85▲+30
Track record94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 2526 sector peers (2025).
NBB · sector comparisonPosition among 2526 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 4 filingsDeviation from the deadline
2025
26 d late
2024
28 d late
2023
15 d early
2022
8 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€22k▲ 89.2%
2023 · €12k
2023: €12k
2023 → 2024
EBIT margin
-20.0%▼ 21.8pp
2023 · 1.7%
2023: 1.7%
2023 → 2024
Net result
€5k
2024 · €-4k
2022: €-3k
2023: €121
2024: €-4k
2022 → 2025
Working capital
€-3k▲ 68.8%
2024 · €-11k
2022: €-5k
2023: €-3k
2024: €-11k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€12k€22k▲ 89.2%
Equity€220-€342▲ 55.1%€-4k€1k
Operating result€-3k-€200€-4k€6k
Net result€-3k-€121€-4k€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €6k after a loss of €4k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14k
Fixed assets
€5k▼ 29.8%
Current assets
€9k▲ 543%
Equity and liabilities €14k
Equity
€1k
Debt
€13k
Debt finances 90.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€8k▲
2024 · €-982
Cash flow
€8k▲
2024 · €-1k
Solvency
9.5%▲
2024 · -50.7%
Current ratio
0.73▲
2024 · 0.12
Quick ratio
0.73▲
2024 · 0.12
Debt / equity
9.50▲
2024 · -2.97
ROE
411.9%
ROA
39.2%▲
2024 · -54.9%
Interest coverage
103.29▲
2024 · -12.84
Debt
€13k▲
2024 · €12k
Debt ≤ 1 year
€13k▲
2024 · €12k
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€8k€14k▲
Fixed assets21/28€7k€5k▼
Tangible fixed assets22/27€7k€5k▼
Furniture and vehicles24€7k€5k▼
Current assets29/58€1k€9k▲
Amounts receivable within one year40/41€113€8k▲
Trade receivables40€113€8k▲
Cash at bank and in hand54/58€1k€547▼
Deferred charges and accrued income490/1€309€230▼
Equity and liabilities
Total equity and liabilities10/49€8k€14k▲
Equity10/15€-4k€1k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-7k€-2k▲
Amounts payable17/49€12k€13k▲
Amounts payable within one year42/48€12k€13k▲
Trade debts44€281€1k▲
Suppliers440/4€281€1k▲
Taxes, remuneration and social security45€123€404▲
Taxes450/3€123€404▲
Other amounts payable47/48€12k€11k▼
Income statement
Code20242025
Turnover70€22k-
Goods, raw materials, services and sundry goods60/61€22k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€888€817▼
Non-recurring operating charges66A-€356
Gross operating margin9900€-95€9k▲
Operating profit (loss)9901€-4k€6k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€77€79▲
Recurring financial charges65€77€79▲
Profit (loss) for the period before taxes9903€-4k€5k▲
Profit (loss) for the period9904€-4k€5k▲
Profit (loss) for the period to be appropriated9905€-4k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-2k▲
Profit (loss) brought forward from the previous period14P€-3k€-7k▼
The notes to these accounts (7 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €-4k ▼3767%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €121
Net result €121 after one loss-making year.
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 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, Gesves · 1 establishment unit since 2022
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 Grande Commune 45340 GesvesGround area
2,787 m²
Building footprint
90 m²
Parcel 92054B0484/00L000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Grande Commune 4, 5340 Gesves
since 20222.332.550.090
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92054B0484/00L000 | Wallonia | 2,787 m² | 1 · 90 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
DENTHER
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BE 0800.126.076
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BE 0766.885.364
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S.A.M.
BE 0476.556.248
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MS CAR SERVICES
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Of 7,378 companies in sector 95311 we hold annual accounts for 2,959. 339 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-05-2022
Fiscal year end31-12
Activities, NACEBEL
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
46711Wholesale of cars and light vans (up to 3.5 tonnes)
45112
47811Retail sale of cars and light vans (up to 3.5 tonnes)
45194
46180Agents specialised in the wholesale of other particular products
46713Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.