PRONTO CAR

Active

Private limited company (pre-2019)founded 20179 yrs activeWijnheuvelenstraat 10, 1210 Sint-Joost-ten-Node, BelgiumKBO/BCE: BE 0670.525.069

The computed 12-month bankruptcy probability of PRONTO CAR is 3.4% (moderate). The 2024 annual accounts show equity of €26k and a net result of €-3k. Equity is growing by ~15.9% per year across the filed fiscal years. Its solvency ranks better than 92% of 6717 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

62 / 100

Healthy

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

Axes · tick = 2023

Profitability15▲+8

Solvency100=

Growth78=

Track record100

Bankruptcy probability, 12 months

3.4% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days acceptable

Liquidity ample (current ratio 3.31 against 24.55 in 2023; short-term debt: 11.1% of total assets), and 11.1% 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.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 49

Relative position

BE, all sectors

reference

Sector 49

higher

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

88.9%

Return on assets

-8.8%

Age of the figures

21 mo

Persistent losses

Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2024

Net result per financial year

18192021222324

2018 to 2024 · latest year €-3k

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 7 filings

Deviation from the deadline

2025

not confirmed

2024

61 d late

2023

31 d late

2022

116 d late

2021

31 d late

2020

117 d late

2019

63 d late

← 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, micro schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€-3k▲ 27.0%

2023 · €-4k

2018: €-4k 2019: €8k 2020: €16k 2021: €14k 2022: €2k 2023: €-4k

2018 → 2024

Working capital

€8k▼ 25.5%

2023 · €10k

2018: €-2k 2019: €-7k 2020: €9k 2021: €27k 2022: €14k 2023: €10k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€17k-€30k▲ 80.8%€32k▲ 5.7%€29k▼ 11.0%€26k▼ 9.0%

Operating result€5k-€-11k€2k€-3k€-3k▲ 23.1%

Net result€16k-€14k▼ 17.4%€2k▼ 87.2%€-4k€-3k▲ 27.0%

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €3k in 2024 against €3k in 2023; the loss shrinks.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €29k

63.2%

36.8%

Fixed assets €18k=

Current assets €11k▲ 2.4%

Equity and liabilities €29k

88.9%

11%

Equity €26k▼ 9.0%

Debt €3k▲ 660%

The debt ratio rises from 1.5% to 11.1%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

Solvency

88.9%▼

2023 · 98.5%

Current ratio

3.31▼

2023 · 24.55

Quick ratio

3.31▼

2023 · 24.55

Debt / equity

0.13▲

2023 · 0.01

ROE

-9.9%▲

2023 · -12.4%

ROA

-8.8%▲

2023 · -12.2%

Debt

€3k▲

2023 · €429

Debt ≤ 1 year

€3k▲

2023 · €429

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€29k€29k▲

Fixed assets21/28€18k€18k=

Tangible fixed assets22/27€18k€18k=

Furniture and vehicles24€18k€18k=

Current assets29/58€11k€11k▲

Amounts receivable within one year40/41€11k€11k▲

Trade receivables40€844€844=

Other amounts receivable41€10k€10k▲

Equity and liabilities

Total equity and liabilities10/49€29k€29k▲

Equity10/15€29k€26k▼

Contributions10/11€6k€6k=

Reserves13€26k€26k=

Distributable reserves133€26k€26k=

Profit (loss) carried forward14€-4k€-6k▼

Amounts payable17/49€429€3k▲

Amounts payable within one year42/48€429€3k▲

Financial debts43€38€38=

Credit institutions430/8€38€38=

Taxes, remuneration and social security45€391€391=

Taxes450/3€391€391=

Other amounts payable47/48-€3k

Income statement Code20232024

Other operating charges640/8€44€589▲

Gross operating margin9900€-3k€-2k▲

Operating profit (loss)9901€-3k€-3k▲

Financial charges65/66B€181-

Recurring financial charges65€181-

Profit (loss) for the period before taxes9903€-4k€-3k▲

Profit (loss) for the period9904€-4k€-3k▲

Profit (loss) for the period to be appropriated9905€-4k€-3k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-4k€-6k▼

Profit (loss) brought forward from the previous period14P-€-4k

The notes to these accounts (3 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 12Financial 5Filings 7

2025

30-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 61 days late

2024

31-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 31 days late

2023

24-11

NBB filing Annual accounts filed

fiscal year 2022 · full schema · 116 days late

2022

31-12

Financial Liquidity times 10current ratio 36.30

Current ratio from 3.72 to 36.30; short-term debt falls from €10k to €391.

31-08

NBB filing Annual accounts filed

fiscal year 2021 · full schema · 31 days late

2021

31-12

Financial Liquidity doublescurrent ratio 3.72

Current ratio from 1.77 to 3.72; short-term debt falls from €11k to €10k.

25-11

NBB filing Annual accounts filed

fiscal year 2020 · full schema · 117 days late

2020

31-12

Financial Highest result since 2018net €16k ▲110%

Net result €16k, the highest in the series.

31-12

Financial Liquidity times 6current ratio 1.77

Current ratio from 0.30 to 1.77.

02-10

NBB filing Annual accounts filed

fiscal year 2019 · full schema · 63 days late

2019

31-12

Financial Back to profitnet €8k

Net result €8k after one loss-making year.

31-08

NBB filing Annual accounts filed

fiscal year 2018 · full schema · 31 days late

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

Directors · office · real estate

Directors

9 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, Sint-Joost-ten-Node · 1 establishment unit since 2017

establishment The establishment unit 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.

Wijnheuvelenstraat 101210 Sint-Joost-ten-Node

Ground area

175 m²

Building footprint

130 m²

Volume, LiDAR

1,282 m³

Parcel 21572B0010/00M004, Brussels · tallest building 17.3 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

PRONTO CAR

Wijnheuvelenstraat 10, 1210 Sint-Joost-ten-NodeScheduled passenger transport by road

since 20172.261.547.476

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21572B0010/00M004	Brussels	175 m²	1 · 130 m²	17.3 m · 4 fl.

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

Sint-Pieters-Leeuw · Eq €26k

AFSL INVEST

BE 1005.501.901

Brussel · Eq €26k

Of 963 companies in sector 49310 we hold annual accounts for 486. 346 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company (pre-2019)

Founded30-01-2017

Fiscal year end31-12

Activities, NACEBEL

49310Scheduled passenger transport by road

49320Taxi operation

49330On-demand passenger transport by chauffeured vehicle

Sources

Crossroads Bank for EnterprisesNational Bank · 7 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.