SECREMO
ActiveSummary
SECREMO has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €71,335 and a net result of -€3,359. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 53% of 11502 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability32▼-14
Solvency71▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,500 at 30 days acceptable
Liquidity ample (current ratio 1.85 against 1.77 in 2024; short-term debt: 53.9% and cash: 34.4% of total assets), but 53.9% of the assets are financed with debt.
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Signals
Five 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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · 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 2025Solvency, return and age of the figures
Solvency
46.1%
Return on assets
-2.2%
Age of the figures
16 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-05-2025 was due by 31-12-2025 and was filed on 05-12-2025, 26 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
26 d early
2024
14 d early
2023
10 d early
2022
12 d early
2021
36 d early
2020
13 d early
2019
12 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 18 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-05-2026 and is due by 31-12-2026. Nothing is late today. Usually files around 17 December (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-05-2026 close28-09-2026 today31-12-2026 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€71,335▼ 4.5%
2024 · €74,694
Total assets
€154,774▼ 10.0%
2024 · €171,974
Net result
-€3,359
2024 · €5,626
Working capital
€71,335▼ 4.5%
2024 · €74,694
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€375▲ 84.6%-€4,974▼ 1,226%-€2,088▲ 58.0%€4,650-€7,047
Net result€5,735within the sector's middle half-€3,229within the sector's middle half-€704within the sector's middle half▲ 78.2%€5,626within the sector's middle half-€3,359within the sector's middle half
Equity€73,001within the sector's middle half▲ 8.5%€69,772within the sector's middle half▼ 4.4%€69,068within the sector's middle half▼ 1.0%€74,694within the sector's middle half▲ 8.1%€71,335within the sector's middle half▼ 4.5%
Total assets€155,022within the sector's middle half▲ 3.4%€153,158within the sector's middle half▼ 1.2%€151,219within the sector's middle half▼ 1.3%€171,974within the sector's middle half▲ 13.7%€154,774within the sector's middle half▼ 10.0%
Debt€82,021▼ 0.8%€83,386▲ 1.7%€82,151▼ 1.5%€97,280▲ 18.4%€83,439▼ 14.2%
Working capital€73,174within the sector's middle half▲ 8.6%€70,481within the sector's middle half▼ 3.7%€70,271within the sector's middle half▼ 0.3%€74,694within the sector's middle half▲ 6.3%€71,335within the sector's middle half▼ 4.5%
Solvency47.1%within the sector's middle half▲ 2.2pp45.6%within the sector's middle half▼ 1.5pp45.7%within the sector's middle half▲ 0.1pp43.4%within the sector's middle half▼ 2.2pp46.1%within the sector's middle half▲ 2.7pp
Current ratio1.89within the sector's middle half▲ 0.081.85within the sector's middle half▼ 0.041.87within the sector's middle half▲ 0.021.77within the sector's middle half▼ 0.101.85within the sector's middle half▲ 0.09
Return on assets (ROA)3.7%within the sector's middle half▲ 3.8pp-2.1%within the sector's middle half▼ 5.8pp-0.5%within the sector's middle half▲ 1.6pp3.3%within the sector's middle half▲ 3.7pp-2.2%within the sector's middle half▼ 5.4pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €7,047 after €4,650 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €154,774
Equity
€71,335 ▼ 4.5%
Debt
€83,439 ▼ 14.2%
Debt's share of the balance-sheet total falls from 56.6% to 53.9%. Equity and debt are lower.
Key figures and ratios
Quick ratio
1.45▲
2024 · 1.29
Debt to equity
1.17▼
2024 · 1.30
ROE
-4.7%▼
2024 · 7.5%
Debt ≤ 1 year
€83,439▼
2024 · €97,280
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.6%
went bankrupt
8.5%
stopped otherwise
90%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 12,321 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €0 | €200 | €0 | - | - |
| Other operating charges640/8 | - | €298 | €62 | €162 | €449 | ▲ 178% |
| Gross operating margin9900 | -€276 | -€4,676 | -€2,026 | €4,812 | -€6,598 | ▼ 237% |
| Operating profit (loss)9901 | -€375 | -€4,974 | -€2,088 | €4,650 | -€7,047 | ▼ 252% |
| Financial income75/76B | - | €1,934 | €2,824 | €2,596 | €3,857 | ▲ 48.6% |
| Recurring financial income75 | €1,951 | €1,934 | €2,824 | €2,596 | €3,857 | ▲ 48.6% |
| Financial charges65/66B | - | €190 | €1,440 | €1,620 | €169 | ▼ 89.6% |
| Recurring financial charges65 | €189 | €190 | €1,440 | €1,620 | €169 | ▼ 89.6% |
| Profit (loss) for the period before taxes9903 | €5,887 | -€3,229 | -€704 | €5,626 | -€3,359 | ▼ 160% |
| Income taxes67/77 | €152 | €0 | - | - | - | - |
| Profit (loss) for the period9904 | €5,735 | -€3,229 | -€704 | €5,626 | -€3,359 | ▼ 160% |
| Profit (loss) for the period to be appropriated9905 | €5,735 | -€3,229 | -€704 | €5,626 | -€3,359 | ▼ 160% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €155,022 | €153,158 | €151,219 | €171,974 | €154,774 | ▼ 10.0% |
| Current assets29/58 | €155,022 | €153,158 | €151,219 | €171,974 | €154,774 | ▼ 10.0% |
| Stocks and contracts in progress3 | €66,898 | €66,898 | €66,898 | €46,198 | €34,198 | ▼ 26.0% |
| Stocks30/36 | - | €66,898 | €66,898 | €46,198 | €34,198 | ▼ 26.0% |
| Amounts receivable within one year40/41 | €30,361 | €39,951 | €47,048 | €57,766 | €67,068 | ▲ 16.1% |
| Trade receivables40 | - | €731 | €0 | - | - | - |
| Other amounts receivable41 | - | €39,220 | €47,048 | €57,766 | €67,068 | ▲ 16.1% |
| Cash at bank and in hand54/58 | €56,403 | €44,709 | €33,710 | €66,804 | €53,251 | ▼ 20.3% |
| Deferred charges and accrued income490/1 | - | €1,600 | €3,564 | €1,206 | €258 | ▼ 78.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €155,022 | €153,158 | €151,219 | €171,974 | €154,774 | ▼ 10.0% |
| Equity10/15 | €73,001 | €69,772 | €69,068 | €74,694 | €71,335 | ▼ 4.5% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | - | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | - | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €175,510 | €175,510 | €175,510 | €175,510 | €175,510 | = |
| Non-distributable reserves130/1 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Distributable reserves133 | - | €169,310 | €169,310 | €169,310 | €169,310 | = |
| Profit (loss) carried forward14 | -€164,509 | -€167,738 | -€168,442 | -€162,816 | -€166,175 | ▼ 2.1% |
| Amounts payable17/49 | €82,021 | €83,386 | €82,151 | €97,280 | €83,439 | ▼ 14.2% |
| Amounts payable within one year42/48 | €81,848 | €82,677 | €80,949 | €97,280 | €83,439 | ▼ 14.2% |
| Trade debts44 | €238 | €2,066 | €338 | €2,028 | €170 | ▼ 91.6% |
| Suppliers440/4 | - | €2,066 | €338 | €2,028 | €170 | ▼ 91.6% |
| Taxes, remuneration and social security45 | - | €438 | €438 | €438 | €438 | = |
| Taxes450/3 | - | €438 | €438 | €438 | €438 | = |
| Other amounts payable47/48 | - | €80,173 | €80,173 | €94,814 | €82,832 | ▼ 12.6% |
| Accrued charges and deferred income492/3 | - | €709 | €1,203 | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5,735 | -€3,229 | -€704 | €5,626 | -€3,359 | ▼ 160% |
| Operating cash flow (approximation) | €5,735 | -€3,229 | -€704 | €5,626 | -€3,359 | ▼ 160% |
| Change in cash | - | -€11,694 | -€10,999 | €33,095 | -€13,554 | ▼ 141% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
05-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
17-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-05
Financial
Back to profitnet €5,626
Net result €5,626 after 2 loss-making years.
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
19-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
25-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-05
Financial
Back to profitnet €5,735
Net result €5,735 after 2 loss-making years.
2020
18-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
19-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
13-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
26-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 26 days late
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Dilsen-Stokkem · 1 establishment unit since 1998
Ground area
1,101 m²
Building footprint
121 m²
Volume, LiDAR
774 m³
Parcel 73043A0470/00N000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
SECREMO
since 19982.087.987.059
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73043A0470/00N000 | Flanders | 1,101 m² | 1 · 121 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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
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Nervia Battery Center
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MOUSLI
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Z-CARS
BE 0537.269.637
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Of 2,129 companies in sector 46711 we hold annual accounts for 1,130. 763 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded03-07-1998
Fiscal year end31-05
Activities, NACEBEL 2025
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
E-invoicing
Reachable via Peppol
Peppol ID
0208:0463741954
Also
9925:BE0463741954
Registered
02-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.