SCHMITZ CAR REPAIR
ActiveSCHMITZ CAR REPAIR has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €430k and a net result of €43k. Equity is growing by ~16.4% per year across the filed fiscal years. Its solvency ranks better than 55% of 10242 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
87
/ 100
Excellent▲ +18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+23
Solvency77▲+15
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 1.61 against 1.21 in 2024), but 58.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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 2025Solvency, return and age of the figures
Solvency
41.4%
Return on assets
4.1%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 d late
2024
26 d late
2023
1 d late
2022
24 d late
2021
24 d late
2020
30 d late
2019
31 d late
← before the deadline
after the deadline →
neutral · 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 monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€43k▲ 100%
2024 · €21k
2018: €14k
2020: €44k
2021: €53k
2022: €110k
2023: €54k
2024: €21k
2018 → 2025
Working capital
€99k▲ 153%
2024 · €39k
2018: €-7k
2020: €45k
2021: €101k
2022: €191k
2023: €81k
2024: €39k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€209k-€317k▲ 51.9%€369k▲ 16.4%€389k▲ 5.5%€430k▲ 10.7%
Operating result€69k-€151k▲ 118%€65k▼ 57.3%€41k▼ 36.6%€71k▲ 73.7%
Net result€53k-€110k▲ 108%€54k▼ 50.6%€21k▼ 60.6%€43k▲ 100%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 74% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.04M
Fixed assets
€779k▼ 6.3%
Current assets
€260k▲ 14.9%
Equity and liabilities €1.04M
Equity
€430k▲ 10.7%
Provisions
€2k=
Debt
€607k▼ 9.0%
The debt ratio falls from 63.1% to 58.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€155k▲
2024 · €116k
Cash flow
€127k▲
2024 · €96k
Solvency
41.4%▲
2024 · 36.8%
Current ratio
1.61▲
2024 · 1.21
Quick ratio
1.38▲
2024 · 0.99
Debt / equity
1.41▼
2024 · 1.72
ROE
9.9%▲
2024 · 5.5%
ROA
4.1%▲
2024 · 2.0%
Interest coverage
8.37▲
2024 · 5.78
Debt
€607k▼
2024 · €667k
Debt ≤ 1 year
€161k▼
2024 · €187k
Debt > 1 year
€445k▼
2024 · €480k
Income taxes
€16k▲
2024 · €5k
Staff costs
€326k▲
2024 · €266k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.06M€1.04M▼
Fixed assets21/28€832k€779k▼
Intangible fixed assets21-€2k
Tangible fixed assets22/27€832k€777k▼
Land and buildings22€677k€634k▼
Plant, machinery and equipment23€13k€11k▼
Furniture and vehicles24€141k€132k▼
Current assets29/58€226k€260k▲
Stocks and contracts in progress3€41k€37k▼
Stocks30/36€41k€37k▼
Amounts receivable within one year40/41€147k€136k▼
Trade receivables40€82k€90k▲
Other amounts receivable41€66k€46k▼
Cash at bank and in hand54/58€31k€79k▲
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€1.06M€1.04M▼
Equity10/15€389k€430k▲
Contributions10/11€43k€43k=
Reserves13€286k€328k▲
Distributable reserves133€286k€328k▲
Profit (loss) carried forward14€55k€56k▲
Investment grants15€4k€3k▼
Provisions and deferred taxes16€2k€2k=
Provisions for liabilities and charges160/5€2k€2k=
Other liabilities and charges164/5€2k€2k=
Amounts payable17/49€667k€607k▼
Amounts payable after more than one year17€480k€445k▼
Financial debts170/4€480k€445k▼
Amounts payable within one year42/48€187k€161k▼
Current portion of amounts payable after more than one year42€37k€34k▼
Trade debts44€61k€19k▼
Suppliers440/4€61k€19k▼
Taxes, remuneration and social security45€89k€108k▲
Taxes450/3€43k€52k▲
Remuneration and social security454/9€46k€56k▲
Accrued charges and deferred income492/3€187€75▼
Income statement
Code20242025
Remuneration, social security and pensions62€266k€326k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€75k€84k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€0€0=
Other operating charges640/8€7k€9k▲
Non-recurring operating charges66A€37-
Gross operating margin9900€389k€490k▲
Operating profit (loss)9901€41k€71k▲
Financial income75/76B€5k€6k▲
Recurring financial income75€5k€6k▲
Financial charges65/66B€20k€19k▼
Recurring financial charges65€20k€19k▼
Profit (loss) for the period before taxes9903€26k€59k▲
Income taxes67/77€5k€16k▲
Profit (loss) for the period9904€21k€43k▲
Profit (loss) for the period to be appropriated9905€21k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€76k€98k▲
Profit (loss) brought forward from the previous period14P€55k€55k▲
Transfer to equity691/2€21k€42k▲
To other reserves6921€21k€42k▲
Social balance
Average headcount (FTE)9087-8.6
The notes to these accounts (19 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema · 26 days late
2024
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema · 1 day late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema · 24 days late
2022
31-12
Financial
Highest result since 2018net €110k ▲108%
Operating result €151k, net result €110k, both a record.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema · 24 days late
2021
31-12
Financial
Equity above €200kEq €209k ▲32.7%
3 profitable years in a row build equity to €209k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema · 30 days late
2020
31-12
Financial
Equity above €150kEq €157k ▲103%
2 profitable years in a row build equity to €157k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · unclassified schema · 31 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 24 days late
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Sankt Vith · 1 establishment unit since 1993
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.
Solvaystraße 74780 Sankt Vith1 establishment unit
Solvaystraße 7, 4780 Sankt Vith
since 19932.061.615.135
Similar companies · same sector, comparable size
CALITYCARS
BE 0809.311.778
Braine-l'Alleud · Eq €430k
JANITEC
BE 0809.369.879
Kampenhout · Eq €431k
V&M Cars
BE 1003.859.730
Oostkamp · Eq €430k
CL Tyres
BE 0541.336.313
Genk · Eq €430k
PROMO-CONNECT
BE 0892.503.829
Fosses-la-Ville · Eq €429k
Of 10,618 companies in sector 47811 we hold annual accounts for 5,192. 3,504 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-03-1993
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
45204
50103
50200
95314Bodywork repair (including spraying and painting)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
50302
52210Service activities incidental to land transportation
63210
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filings
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@schmitz-carrepair.be