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SH CAR

Active
Private limited companyfounded 20197 yrs activeGroot-Bijgaardenstraat 14, 1082 Sint-Agatha-Berchem, BelgiumKBO/BCE: BE 0729.642.908
Summary

The computed 12-month bankruptcy probability of SH CAR is 2.5% (moderate). The 2025 annual accounts show equity of €57,623 and a net result of -€888. Equity is growing by ~21.1% per year across the filed fiscal years. Its solvency ranks better than 48% of 2657 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability36▼-10
Solvency61▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days only on tighter terms
Liquidity ample (current ratio 1.57 against 1.59 in 2024; short-term debt: 63.6% and cash: 2.6% of total assets), but 63.6% of the assets are financed with debt.
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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 7 years 0 10 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Multiple establishment units
Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.
KBO · establishment units
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer 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 2025
Solvency, return and age of the figures
Solvency
36.4%
Return on assets
-0.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-07-2026, 18 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
18 d early
2024
5 d early
2023
6 d early
2022
4 d early
2021
114 d late
2020
79 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 27 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)
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. Usually files around 26 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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

History

SH CAR was incorporated on 1 July 2019 as a Private limited company.1 Total assets rose from EUR 105,522 in 2020 to EUR 158,296 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2020 and 2025

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Financials · fiscal year 2025, micro schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€888
2024 · €5,236
Working capital
€57,623▼ 1.5%
2024 · €58,511
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€24,373€6,997▼ 71.3%€13,543▲ 93.5%€6,890▼ 49.1%€2,139▼ 69.0%
Net result€21,853above the sector's middle half€6,850within the sector's middle half▼ 68.7%€13,367within the sector's middle half▲ 95.1%€5,236within the sector's middle half▼ 60.8%-€888within the sector's middle half
Equity€33,058within the sector's middle half▲ 195%€39,908within the sector's middle half▲ 20.7%€53,275within the sector's middle half▲ 33.5%€58,511within the sector's middle half▲ 9.8%€57,623within the sector's middle half▼ 1.5%
Total assets€126,052within the sector's middle half▲ 19.5%€94,456within the sector's middle half▼ 25.1%€132,319within the sector's middle half▲ 40.1%€156,919within the sector's middle half▲ 18.6%€158,296within the sector's middle half▲ 0.9%
Debt€92,994▼ 1.4%€54,548▼ 41.3%€79,044▲ 44.9%€98,408▲ 24.5%€100,673▲ 2.3%
Working capital€33,058within the sector's middle half▲ 195%€39,908within the sector's middle half▲ 20.7%€53,275within the sector's middle half▲ 33.5%€58,511within the sector's middle half▲ 9.8%€57,623within the sector's middle half▼ 1.5%
Solvency26.2%within the sector's middle half▲ 15.6pp42.3%within the sector's middle half▲ 16.0pp40.3%within the sector's middle half▼ 2.0pp37.3%within the sector's middle half▼ 3.0pp36.4%within the sector's middle half▼ 0.9pp
Current ratio1.36within the sector's middle half▲ 0.241.73within the sector's middle half▲ 0.381.67within the sector's middle half▼ 0.061.59within the sector's middle half▼ 0.081.57within the sector's middle half▼ 0.02
Return on assets (ROA)17.3%above the sector's middle half▲ 25.0pp7.3%within the sector's middle half▼ 10.1pp10.1%within the sector's middle half▲ 2.9pp3.3%within the sector's middle half▼ 6.8pp-0.6%within the sector's middle half▼ 3.9pp
above within below the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
-€10,000€0€10,000€20,000Operating result 2021: €24,373€24,373Net result 2021: €21,853€21,853Operating result 2022: €6,997€6,997Net result 2022: €6,850€6,850Operating result 2023: €13,543€13,543Net result 2023: €13,367€13,367Operating result 2024: €6,890€6,890Net result 2024: €5,236€5,236Operating result 2025: €2,139€2,139Net result 2025: -€888-€88820212022202320242025-€5,000€0€5,000€10,000€15,000Operating result 2023: €13,543€13,500Net result 2023: €13,367€13,400Operating result 2024: €6,890€6,890Net result 2024: €5,236€5,240Operating result 2025: €2,139€2,140Net result 2025: -€888-€888202320242025
The operating result has fallen two years in a row; 2025 is 69% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €158,296
Equity €57,623 ▼ 1.5%
Debt €100,673 ▲ 2.3%
Debt's share of the balance-sheet total rises from 62.7% to 63.6%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
Quick ratio
0.06▼
2024 · 0.30
Debt to equity
1.75▲
2024 · 1.68
ROE
-1.5%▼
2024 · 8.9%
Debt ≤ 1 year
€100,673▲
2024 · €98,408
Income taxes
€2,870▲
2024 · €1,494
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 3,441 companies that looked in July 2024 the way this one looks now, 2.3% went bankrupt within 24 months and 90% are still going.

  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a small loss
2.3% went bankrupt
7.5% stopped otherwise
90% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 2.5% 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 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 3,441 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 32 lines
Balance sheet Code20242025
Assets
Total assets20/58€156,919€158,296▲
Current assets29/58€156,919€158,296▲
Stocks and contracts in progress3€127,798€152,043▲
Stocks30/36€127,798€152,043▲
Amounts receivable within one year40/41€25,739€2,185▼
Trade receivables40€21,421-
Other amounts receivable41€4,318€2,185▼
Cash at bank and in hand54/58€3,382€4,068▲
Equity and liabilities
Total equity and liabilities10/49€156,919€158,296▲
Equity10/15€58,511€57,623▼
Contributions10/11€19,345€19,345=
Profit (loss) carried forward14€39,166€38,277▼
Amounts payable17/49€98,408€100,673▲
Amounts payable within one year42/48€98,408€100,673▲
Trade debts44€2,305€2,095▼
Suppliers440/4€2,305€2,095▼
Taxes, remuneration and social security45€15,620€10,561▼
Taxes450/3€10,561€10,561=
Remuneration and social security454/9€5,059-
Other amounts payable47/48€80,483€88,017▲
Income statement Code20242025
Non-recurring operating income76A-€5,000
Other operating charges640/8€1,202€369▼
Gross operating margin9900€8,092€2,508▼
Operating profit (loss)9901€6,890€2,139▼
Financial charges65/66B€160€157▼
Recurring financial charges65€160€157▼
Profit (loss) for the period before taxes9903€6,730€1,981▼
Income taxes67/77€1,494€2,870▲
Profit (loss) for the period9904€5,236-€888▼
Profit (loss) for the period to be appropriated9905€5,236-€888▼
Appropriation of the result
Profit (loss) to be appropriated9906€39,166€38,277▼
Profit (loss) brought forward from the previous period14P€33,930€39,166▲

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Non-recurring operating income76A----€5,000-
Other operating charges640/8€82€148€75€1,202€369▼ 69.3%
Gross operating margin9900€24,454€7,145€13,618€8,092€2,508▼ 69.0%
Operating profit (loss)9901€24,373€6,997€13,543€6,890€2,139▼ 69.0%
Financial charges65/66B€65€147€176€160€157▼ 1.7%
Recurring financial charges65€65€147€176€160€157▼ 1.7%
Profit (loss) for the period before taxes9903€24,307€6,850€13,367€6,730€1,981▼ 70.6%
Income taxes67/77€2,455--€1,494€2,870▲ 92.1%
Profit (loss) for the period9904€21,853€6,850€13,367€5,236-€888▼ 117%
Profit (loss) for the period to be appropriated9905€21,853€6,850€13,367€5,236-€888▼ 117%
Line20212022202320242025Change
Assets
Total assets20/58€126,052€94,456€132,319€156,919€158,296▲ 0.9%
Current assets29/58€126,052€94,456€132,319€156,919€158,296▲ 0.9%
Stocks and contracts in progress3€99,959€90,845€114,321€127,798€152,043▲ 19.0%
Stocks30/36€99,959€90,845€114,321€127,798€152,043▲ 19.0%
Amounts receivable within one year40/41€2,948€209€2,482€25,739€2,185▼ 91.5%
Trade receivables40€1,925--€21,421--
Other amounts receivable41€1,024€209€2,482€4,318€2,185▼ 49.4%
Cash at bank and in hand54/58€23,145€2,144€15,516€3,382€4,068▲ 20.3%
Deferred charges and accrued income490/1-€1,257----
Equity and liabilities
Total equity and liabilities10/49€126,052€94,456€132,319€156,919€158,296▲ 0.9%
Equity10/15€33,058€39,908€53,275€58,511€57,623▼ 1.5%
Contributions10/11€19,345€19,345€19,345€19,345€19,345=
Profit (loss) carried forward14€13,713€20,563€33,930€39,166€38,277▼ 2.3%
Amounts payable17/49€92,994€54,548€79,044€98,408€100,673▲ 2.3%
Amounts payable within one year42/48€92,994€54,548€79,044€98,408€100,673▲ 2.3%
Trade debts44€1,577€1,618€18,000€2,305€2,095▼ 9.1%
Suppliers440/4€1,577€1,618€18,000€2,305€2,095▼ 9.1%
Taxes, remuneration and social security45€3,404€10,705€15,620€15,620€10,561▼ 32.4%
Taxes450/3€3,404€10,705€10,561€10,561€10,561=
Remuneration and social security454/9--€5,059€5,059--
Other amounts payable47/48€88,013€42,224€45,424€80,483€88,017▲ 9.4%
Line20212022202320242025Change
Profit (loss) for the period9904€21,853€6,850€13,367€5,236-€888▼ 117%
Operating cash flow (approximation)€21,853€6,850€13,367€5,236-€888▼ 117%
Change in cash--€21,001€13,373-€12,135€686▲ 106%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
13-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
26-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
25-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
22-11
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 114 days late
2021
31-12
Financial Back to profitnet €21,853
Net result €21,853 after one loss-making year.
18-10
NBB filing Annual accounts filed
fiscal year 2020 · full schema · 79 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Sint-Agatha-Berchem · 2 establishment units since 2019
seat establishment All 2 establishment units on the map
Ground area
1,281 m²
Building footprint
1,201 m²
Volume, LiDAR
8,595 m³
2 parcels, Brussels · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
297 companies at this address See who is registered here
2 establishment units
SH CAR
Groot-Bijgaardenstraat 14, 1082 Sint-Agatha-BerchemNACE 45111
since 20192.290.964.905
SH CAR
Texasstraat 25, 1190 VorstNACE 45111
since 20222.335.449.994
2 parcels
Brussels 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21382C0264/00T010 Brussels 991 m² 1 · 908 m² 11.4 m · 2 fl.
21342B0043/00F003 Brussels 290 m² 1 · 293 m² 10.6 m · 2 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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

Of 846 companies in this sector we hold annual accounts for 251. 188 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company details

Identification
Legal formPrivate limited company
Founded01-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
95319Other maintenance and repair of motor vehicles
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95314Bodywork repair (including spraying and painting)
Contact
E-mail abdelhamidsnouss@gmail.com
E-invoicing
Reachable via Peppol
Peppol ID 0208:0729642908
Registered 07-01-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.