PIT STOP PNEUS · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of PIT STOP PNEUS is 1.3% (low). The 2024 annual accounts show equity of €7k and a net result of €34k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 31% of 77 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-08-2025, 12 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.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	12-08-2025	12 d late	2025-00374144
31-12-2023	31-07-2024	18-07-2024	13 d early	2024-00264619
31-12-2022	31-07-2023	19-06-2023	42 d early	2023-00149171
31-12-2021	31-07-2022	10-08-2022	10 d late	2022-20286304

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

1.3% Low

0%0,5%1,5%4%10%≥25%

Young company +Lower-failure-rate sector −Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

Turnover€364k+16.9%

EBIT margin9.7%+11.7pp

Net result€34k

Working capital€4k

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 12-08-2025 with the NBB · fiscal year 2024 · volledig

RevenueOperating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

volatile Too volatile to project: the yearly deviation from the trend is ~45% of the level (threshold 35%). We therefore deliberately show no projection line.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 95 · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	10.6%	25.8%	better than 31% of 77 sector peers
Net result	€34k	€4k	better than 64% of 77 sector peers
Equity	€7k	€114k	better than 23% of 77 sector peers
Gross operating margin	€77k	€110k	better than 43% of 62 sector peers
Staff costs	€38k	€225k	higher than 12% of 57 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P31

Improving position over 2021-2024 · n=54-77

Net result P64

Improving position over 2021-2024 · n=54-77

Equity P23

Improving position over 2021-2024 · n=54-77

Gross operating margin P43

Improving position over 2021-2024 · n=43-62

Describes the position versus peers, not a forecast.

Revenue

€364k

+16.9% 21-24

EBITDA

€37k

- 21-24

Net profit

€34k

- 21-24

Cash flow

€36k

- 21-24

Total assets

€68k

+125.6% 21-24

Equity

€7k

- 21-24

Working capital

€4k

- 21-24

Staff costs

€38k

+5.7% 21-24

Debt

€61k

+6.4% 21-24

Debt ≤ 1y

€61k

+6.4% 21-24

Current ratio

1.07

+131.2% 21-24

Quick ratio

0.89

+230.3% 21-24

Solvency

10.6%

- 21-24

Debt / equity

8.42

- 21-24

ROE

474.1%

+1657.5% 21-24

ROA

50.3%

- 21-24

Net margin

9.4%

- 21-24

EBITDA margin

10.2%

- 21-24

Interest coverage

43.14

- 21-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	volledig
Revenue	€364k
EBITDA	€37k
Net profit	€34k
Cash flow	€36k
Staff costs	€38k
Income taxes	-
Dividends	-
Total assets	€68k
Equity	€7k
Debt	€61k
of which ≤ 1y	€61k
of which > 1y	-
Working capital	€4k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	1.07
Quick ratio	0.89
Working capital ratio	6.2%
Solvency	10.6%
Debt / equity	8.42
Long-term debt ratio	-
Interest coverage	43.14
Gross margin	21.1%
Net margin	9.4%
ROA	50.3%
ROE	474.1%
EBITDA margin	10.2%
Days sales outstanding	29d
Days payable outstanding	69d
Inventory turnover	25.80
Days inventory (DSI)	14d

Balance-sheet composition 2024

Assets

Fixed assets €3k · 4.4% Current assets €65k · 95.6%

Equity & liabilities

Equity €7k · 10.6% Debt €61k · 89.4%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€68k
Fixed assets	21/28	€3k
Tangible fixed assets	22/27	€3k
Current assets	29/58	€65k
Stocks & contracts in progress	3	€11k
Amounts receivable within one year	40/41	€53k
Cash & bank	54/58	€1k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€68k
Equity	10/15	€7k
Contributions / capital	10/11	€4k
Reserves	13	€400
Accumulated profits (losses)	14	€3k
Amounts payable	17/49	€61k
Amounts payable within one year	42/48	€61k
Trade debts payable within one year	44	€54k
Income statement
Turnover	70	€364k
Gross operating margin	9900	€77k
Operating result	9901	€35k
Financial charges	65	€859
Result before taxes	9903	€34k
Net result for the period	9904	€34k
Result to be appropriated	9905	€34k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

79 / 100 Excellent

050100

Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Chaussée de Louvain(CH) 5875020 Namur

Establishment units

1 location

PIT STOP PNEUS

Chaussée de Louvain(CH) 587, 5020 NamurGroothandel in auto's en lichte bestelwagens (= 3,5 ton)

since 20212.315.693.173

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area396 m²

Buildings1

Building footprint196 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
92024D0103/00A003	Wallonia	396 m²	1 · 196 m²	-

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

70 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 79

Profitability 74

Solvency 20

Growth 85

Stability 94

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Credit advice

verdict per customer and amount

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We hold annual accounts for 66 of the 850 companies in this sector. 36 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Onderhoud en reparatie van motorvoertuigen, n.e.g.45209Onderhoud en reparatie van motorvoertuigen, neg95319Bandenservicebedrijven45205Bandenservicebedrijven95315

Primary activity highlighted.

Names & trade names

Legal nameFR

PIT STOP PNEUS

Registered office

Chaussée de Louvain(CH) 587

5020 Namur, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.