PRO CAR
ActiveSummary
PRO CAR has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €3.82M and a net result of €100k. Equity is growing by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 84% of 9040 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability43▼-8
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €270k at 30 days acceptable
Liquidity ample (current ratio 9.74 against 8.72 in 2023; short-term debt: 10.3% and cash: 7.9% of total assets), and 21.2% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← 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 2024Solvency, return and age of the figures
Solvency
78.8%
Return on assets
2.1%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-09-2025, 51 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
51 d late
2023
70 d late
2022
70 d late
2021
92 d late
2020
143 d late
2019
122 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
History
Financials · fiscal year 2024, abbreviated schema
Equity
€3.82M▲ 2.7%
2023 · €3.72M
Total assets
€4.85M▲ 0.4%
2023 · €4.83M
Net result
€100k▼ 60.2%
2023 · €251k
Working capital
€4.35M▲ 1.7%
2023 · €4.28M
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€504k▲ 64.7%€851k▲ 68.9%€302k▼ 64.5%€451k▲ 49.3%€186k▼ 58.9%
Net result€412k▲ 200%€745k▲ 81.0%€9k▼ 98.7%€251k▲ 2,558%€100k▼ 60.2%
Equity€2.72M▲ 23.9%€3.46M▲ 27.4%€3.47M▲ 0.2%€3.72M▲ 7.2%€3.82M▲ 2.7%
Total assets€3.93M▲ 3.8%€4.62M▲ 17.7%€4.97M▲ 7.5%€4.83M▼ 2.8%€4.85M▲ 0.4%
Debt€1.21M▼ 23.9%€1.16M▼ 4.1%€1.50M▲ 29.2%€1.11M▼ 26.0%€1.03M▼ 7.5%
Working capital€3.23M▲ 19.5%€3.97M▲ 22.8%€4.14M▲ 4.2%€4.28M▲ 3.4%€4.35M▲ 1.7%
Staff (FTE)1▼ 33.3%1.5▲ 50.0%1▼ 33.3%1=1=
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 59% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €4.85M
Fixed assets
€4k
Current assets
€4.84M
Equity and liabilities €4.85M
Equity
€3.82M ▲ 2.7%
Debt
€1.03M ▼ 7.5%
Debt's share of the balance-sheet total falls from 22.9% to 21.2%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
9.74▲
2023 · 8.72
Quick ratio
2.82▲
2023 · 2.42
Debt to equity
0.27▼
2023 · 0.30
ROE
2.6%▼
2023 · 6.7%
ROA
2.1%▼
2023 · 5.2%
Debt ≤ 1 year
€498k▼
2023 · €554k
Debt > 1 year
€528k=
2023 · €528k
Income taxes
€85k▼
2023 · €195k
Staff costs
€43k▲
2023 · €42k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €3k | - | €6 | - |
| Remuneration, social security and pensions62 | - | €18k | €22k | €42k | €43k | ▲ 2.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | - | - | - | - | - |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €-77k | €-39k | €-84k | €-62k | ▲ 26.4% |
| Other operating charges640/8 | - | €3k | €22k | €15k | €7k | ▼ 52.2% |
| Gross operating margin9900 | €682k | €795k | €307k | €424k | €174k | ▼ 58.9% |
| Operating profit (loss)9901 | €504k | €851k | €302k | €451k | €186k | ▼ 58.9% |
| Financial income75/76B | - | €74 | €12 | €2k | €3k | ▲ 2.0% |
| Recurring financial income75 | €7k | €74 | €12 | €2k | €3k | ▲ 2.0% |
| Financial charges65/66B | - | €5k | €13k | €7k | €3k | ▼ 49.6% |
| Recurring financial charges65 | €13k | €5k | €13k | €7k | €3k | ▼ 49.6% |
| Profit (loss) for the period before taxes9903 | €498k | €846k | €289k | €447k | €185k | ▼ 58.7% |
| Income taxes67/77 | €87k | €101k | €280k | €195k | €85k | ▼ 56.6% |
| Profit (loss) for the period9904 | €412k | €745k | €9k | €251k | €100k | ▼ 60.2% |
| Transfer from tax-exempt reserves789 | - | - | €78k | €45k | - | - |
| Transfer to tax-exempt reserves689 | - | €62k | - | €168k | - | - |
| Profit (loss) for the period to be appropriated9905 | €367k | €683k | €87k | €128k | €100k | ▼ 21.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.93M | €4.62M | €4.97M | €4.83M | €4.85M | ▲ 0.4% |
| Fixed assets21/28 | - | - | - | - | €4k | - |
| Tangible fixed assets22/27 | - | - | - | - | €4k | - |
| Land and buildings22 | - | - | - | - | €4k | - |
| Current assets29/58 | €3.93M | €4.62M | €4.97M | €4.83M | €4.84M | ▲ 0.3% |
| Stocks and contracts in progress3 | €2.56M | €2.77M | €3.42M | €3.49M | €3.44M | ▼ 1.5% |
| Stocks30/36 | - | €2.77M | €3.42M | €3.49M | €3.44M | ▼ 1.5% |
| Amounts receivable within one year40/41 | €674k | €1.03M | €1.08M | €999k | €1.02M | ▲ 2.1% |
| Trade receivables40 | - | €957k | €945k | €835k | €914k | ▲ 9.5% |
| Other amounts receivable41 | - | €73k | €139k | €163k | €105k | ▼ 35.7% |
| Cash at bank and in hand54/58 | €694k | €822k | €463k | €341k | €385k | ▲ 12.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.93M | €4.62M | €4.97M | €4.83M | €4.85M | ▲ 0.4% |
| Equity10/15 | €2.72M | €3.46M | €3.47M | €3.72M | €3.82M | ▲ 2.7% |
| Contributions10/11 | €379k | €379k | €379k | €379k | €379k | = |
| Capital10 | - | €379k | - | - | - | - |
| Issued capital100 | - | €379k | - | - | - | - |
| Reserves13 | €229k | €291k | €299k | €550k | €650k | ▲ 18.2% |
| Non-distributable reserves130/1 | - | €13k | €13k | - | €13k | - |
| Legal reserve130 | - | €13k | - | - | - | - |
| Reserves not available under the articles1311 | - | - | €13k | - | €13k | - |
| Tax-exempt reserves132 | - | €184k | €107k | €230k | €230k | = |
| Distributable reserves133 | - | €93k | €179k | €320k | €406k | ▲ 27.1% |
| Profit (loss) carried forward14 | €2.11M | €2.79M | €2.79M | €2.79M | €2.79M | = |
| Amounts payable17/49 | €1.21M | €1.16M | €1.50M | €1.11M | €1.03M | ▼ 7.5% |
| Amounts payable after more than one year17 | €506k | €506k | €607k | €528k | €528k | = |
| Financial debts170/4 | - | €446k | €547k | €468k | €468k | = |
| Trade debts175 | - | €60k | €60k | €60k | €60k | = |
| Amounts payable within one year42/48 | €695k | €654k | €834k | €554k | €498k | ▼ 10.2% |
| Current portion of amounts payable after more than one year42 | - | €36k | €36k | €72k | - | - |
| Financial debts43 | - | €150k | €150k | - | - | - |
| Credit institutions430/8 | - | €150k | €150k | - | - | - |
| Trade debts44 | €305k | €263k | €298k | €170k | €291k | ▲ 71.2% |
| Suppliers440/4 | - | €263k | €298k | €170k | €291k | ▲ 71.2% |
| Advances received on contracts in progress46 | - | €59k | €177k | €65k | €26k | ▼ 60.9% |
| Taxes, remuneration and social security45 | - | €5k | €13k | €19k | €14k | ▼ 28.0% |
| Taxes450/3 | - | €1k | €10k | €11k | €11k | ▲ 3.8% |
| Remuneration and social security454/9 | - | €3k | €3k | €9k | €3k | ▼ 67.9% |
| Other amounts payable47/48 | - | €141k | €161k | €227k | €167k | ▼ 26.5% |
| Accrued charges and deferred income492/3 | - | - | €57k | €26k | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €412k | €745k | €9k | €251k | €100k | ▼ 60.2% |
| + Depreciation and write-downs630 | €4k | - | - | - | - | - |
| Operating cash flow (approximation) | €415k | €745k | €9k | €251k | €100k | ▼ 60.2% |
| Change in cash | - | €128k | €-358k | €-123k | €44k | ▲ 136% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
2025
20-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 51 days late
2024
09-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 70 days late
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 70 days late
2022
31-12
Financial
Weakest financial yearnet €9k ▼98.7%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 92 days late
2021
31-12
Financial
Highest result since 2018net €745k ▲81%
Operating result €851k, net result €745k, both a record.
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 143 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 122 days late
2019
23-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 145 days late
2018
28-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 150 days late
2017
14-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 136 days late
2016
18-11
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 110 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are 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, Oostende · 1 establishment unit since 1986
Ground area
2,002 m²
Building footprint
1,668 m²
Volume, LiDAR
15,004 m³
2 parcels, Flanders · tallest building 19.6 m, ±3 floors. Linked by address, not a title deed.
21
companies at this address
See who is registered here
1 establishment unit
BVBA PRO CAR
since 19862.035.916.172
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35013A1370/00L000 | Flanders | 1,541 m² | 1 · 1,541 m² | 19.6 m · 3 fl. |
| 36005C0580/00M000 | Flanders | 461 m² | 1 · 127 m² | 7.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 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 2,129 companies in sector 46711 we hold annual accounts for 1,126. 339 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded01-07-1986
Fiscal year end31-12
Activities, NACEBEL 2025
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)
95314Bodywork repair (including spraying and painting)
Scores and ratios are computed by Checked and are not a credit decision.