S.E. Automotive

Active

Private limited companyfounded 20251 year 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 3,142 sector peers (NACE 95, 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 probability, 12 months: 1.2%

Structure

Accounts 47 days 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%

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

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%▲ +0.1 percentage points vs 02-2026 04-2026: 2.2%▲ +0.3 percentage points vs 03-2026 05-2026: 2.3%▲ +0.1 percentage points vs 04-2026 06-2026: 4.9%▲ +2.6 percentage points vs 05-2026highest value 07-2026: 1.1%▼ -3.8 percentage points vs 06-2026lowest value 08-2026: 1.2%▲ +0.1 percentage points vs 07-2026 09-2026: 1.2%● unchanged vs 08-2026 10-2026: 1.2%● unchanged vs 09-2026

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 follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 95, micro): better than 79% on solvency, 67% on liquidity and 94% on profitability.

The bankruptcy probability was computed on 06-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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