ROBERT AUTOMOBILE

Active

Private limited companyfounded 20241 yr activeHaute-Chaineux 30, 4650 Herve, BelgiumKBO/BCE: BE 1016.537.135

Summary

ROBERT AUTOMOBILE has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €55,436 and a net result of €40,726. Its solvency ranks better than 61% of 3009 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).

Risk analysisWatch Report Compare

ROBERT AUTOMOBILEActiveChecked score 86/100

Risk analysis Report Compare

Activity

General maintenance and repair of cars and light vans (up to 3.5 tonnes)

NACE 95311NACE 45201

2 sites

Size

€111,881total assets 2025

Equity: €55,436
Profit: €40,726

Turnover not published (abridged schema)

Financial health

86 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.5%

Structure

Accounts filed 11 d late0 of 1 deed read

Why 86- Founded in 2024- Size: total assets €111,881+ Liquidity: current ratio 3.29, cash €42,543+ Equity €55,436 (49.5% of total assets)Show the evidence

Checked score

Score 2025

86 / 100

Excellent

Probability in this band: under 0.55%

Better than 86% of its sector peers (NACE 95, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 75+1

equity 49.5% of total assets

Liquidity 95+59

short-term debt 13.9% · cash 38.0%

Profitability 100=

return on assets 36.4%

Bankruptcy probability, 12 months

0.5% Low

0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (5,070 companies)

Last 24 months 12-2025: 1.5% 01-2026: 1.5%▼ -1.0% vs 12-2025 02-2026: 1.5%▼ -0.5% vs 01-2026 03-2026: 1.8%▲ +20.5% vs 02-2026 04-2026: 1.9%▲ +9.7% vs 03-2026 05-2026: 2.0%▲ +2.3% vs 04-2026 06-2026: 2.0%▼ -0.3% vs 05-2026 07-2026: 2.2%▲ +9.7% vs 06-2026 08-2026: 2.6%▲ +19.7% vs 07-2026highest value 09-2026: 0.5%▼ -80.0% vs 08-2026lowest value 10-2026: 0.5%● 0.0% vs 09-2026lowest value

Liquidity: current ratio 3.29, cash €42,543 lowers the probability
Founded in 2024 raises the probability for this profile
Size: total assets €111,881 raises the probability for this profile
Equity €55,436 (49.5% of total assets) lowers the probability

Credit up to €4,500 at 30 days acceptable

Liquidity ample (current ratio 3.29 against 1.95 in 2024; short-term debt: 13.9% and cash: 38% of total assets), but 50.5% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 95, micro). Better than this share of them on solvency 60%, liquidity 93%, profitability 94%, growth against the median 97%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Liquidity: current ratio 3.29, cash €42,543

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Founded in 2024

In the bankruptcy model this factor raises the probability for this profile.

KBO

Size: total assets €111,881

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

Equity €55,436 (49.5% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 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 · 2 filings

Deviation from the deadline

2025

11 d late

2024

27 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 19 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (2)

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 months

Position in the running window

03-10-2026 today31-12-2026 close31-07-2027 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

11-08-26 Annual accounts filedfiscal year 2025 · micro…
27-08-25 Annual accounts filedfiscal year 2024 · micro…

Key points

Positive: Among the best 19% on net resultsector median €8,403 · 3,009 companies €40,726 View
Total assets 20252 fiscal years filed €111,881 View
Active since 2024founded 22-11-2024 1 years View