S.E. Automotive

Active

Private limited companyfounded 20251 yr activeAmbachtenstraat 5, 2260 Westerlo, BelgiumKBO/BCE: BE 1018.175.940

Summary

S.E. Automotive has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35,089 and a net result of €32,589. Its solvency ranks better than 79% of 3139 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

Risk analysisWatch Report Compare

S.E. AutomotiveActiveChecked score 67/100

Risk analysis Report Compare

Activity

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

NACE 95311

1 site

Size

€50,840total assets 2025

Equity: €35,089
Profit: €32,589

Turnover not published (abridged schema)

Financial health

67 Healthy Checked score 2025

Bankruptcy chance 12 m: 1.2%

Structure

Accounts 47 d early1 of 2 deeds read

Why 67- Founded in 2025- Size: total assets €50,840- 1 change of registered office in 24 months+ Liquidity: current ratio 2.56, cash €11,352Show the evidence

Checked score

Score 2025

67 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 80% of its sector peers (NACE 95, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Strong

Solvency 94

equity 69.0% of total assets

Liquidity 66

short-term debt 29.7% · cash 22.3%

Profitability 100

return on assets 64.1%

Bankruptcy probability, 12 months

1.2% Low

0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.5% (5,106 companies)

Last 24 months 02-2026: 1.8% 03-2026: 1.9%▲ +2.7% vs 02-2026 04-2026: 2.2%▲ +19.1% vs 03-2026 05-2026: 2.3%▲ +5.2% vs 04-2026 06-2026: 4.9%▲ +109% vs 05-2026highest value 07-2026: 1.1%▼ -76.7% vs 06-2026lowest value 08-2026: 1.2%▲ +4.2% vs 07-2026 09-2026: 1.2%▲ +2.8% vs 08-2026 10-2026: 1.2%● 0.0% vs 09-2026

Founded in 2025 raises the probability for this profile
Liquidity: current ratio 2.56, cash €11,352 lowers the probability
Size: total assets €50,840 raises the probability for this profile
1 change of registered office in 24 months raises the probability

Credit up to €2,000 at 30 days acceptable

Liquidity ample (current ratio 2.56; short-term debt: 29.7% and cash: 22.3% of total assets), and 31% 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 79%, liquidity 67%, profitability 94%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. 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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