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SSK AUTO

Active
Private limited companyfounded 20224 yrs activeAssesteenweg 116 A, 1740 Ternat, BelgiumKBO/BCE: BE 0780.996.290
Summary

The computed 12-month bankruptcy probability of SSK AUTO is 1.9% (moderate). The 2024 annual accounts show equity of €20,563 and a net result of €3,398. Equity is growing by ~28.5% per year across the filed fiscal years. Its solvency ranks better than 38% of 6131 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2024
Axes · tick = 2023
Profitability51▼-30
Solvency57▼-15
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days only on tighter terms
Liquidity tight (current ratio 1.46 against 1.88 in 2023; short-term debt: 68.3% and cash: 86.6% of total assets), and 68.3% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
+raises risk
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 4 years 0 10 y
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 2024
Solvency, return and age of the figures
Solvency
31.7%
Return on assets
5.2%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-02-2026, 200 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 3 filings
Deviation from the deadline
2025
not confirmed
2024
200 d late
2023
280 d late
2022
48 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 144 days after 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 (1)
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

On 27 January 2022, SSK AUTO was incorporated as a Private limited company.1 Total assets went from EUR 39,733 in 2022 to EUR 64,821 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022 and 2024

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Financials · fiscal year 2024, full schema

Turnover
€229,477
EBIT margin
2.8%
Net result
€3,398▼ 46.8%
2023 · €6,390
Working capital
€20,563▲ 19.8%
2023 · €17,165
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
Line202220232024
Turnover€229,477
Operating result€5,873-€6,482▲ 10.4%€4,233▼ 34.7%
Net result€5,775below the sector's middle half-€6,390within the sector's middle half▲ 10.7%€3,398within the sector's middle half▼ 46.8%
EBIT margin2.8%
Equity€10,775below the sector's middle half-€17,165below the sector's middle half▲ 59.3%€20,563below the sector's middle half▲ 19.8%
Total assets€39,733below the sector's middle half-€36,736below the sector's middle half▼ 7.5%€64,821below the sector's middle half▲ 76.5%
Debt€28,958-€19,571▼ 32.4%€44,258▲ 126%
Working capital€10,775below the sector's middle half-€17,165below the sector's middle half▲ 59.3%€20,563below the sector's middle half▲ 19.8%
Solvency27.1%within the sector's middle half-46.7%within the sector's middle half▲ 19.6pp31.7%within the sector's middle half▼ 15.0pp
Current ratio1.37within the sector's middle half-1.88within the sector's middle half▲ 0.501.46within the sector's middle half▼ 0.41
Return on assets (ROA)14.5%above the sector's middle half-17.4%above the sector's middle half▲ 2.9pp5.2%within the sector's middle half▼ 12.2pp
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.
Result per fiscal year
Operating resultNet result
€0€2,000€4,000€6,000Operating result 2022: €5,873€5,873Net result 2022: €5,775€5,775Operating result 2023: €6,482€6,482Net result 2023: €6,390€6,390Operating result 2024: €4,233€4,233Net result 2024: €3,398€3,398202220232024€0€2,000€4,000€6,000Operating result 2022: €5,873€5,870Net result 2022: €5,775€5,770Operating result 2023: €6,482€6,480Net result 2023: €6,390€6,390Operating result 2024: €4,233€4,230Net result 2024: €3,398€3,400202220232024
The operating result falls in 2024; 2024 is 35% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €64,821
Equity €20,563 ▲ 19.8%
Debt €44,258 ▲ 126%
Debt's share of the balance-sheet total rises from 53.3% to 68.3%. Equity and debt are higher.
Key figures and ratios
2024 value · change against 2023
Debt to equity
2.15▲
2023 · 1.14
ROE
16.5%▼
2023 · 37.2%
Debt ≤ 1 year
€44,258▲
2023 · €19,571
Income taxes
€778
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.8% went bankrupt
2.3% stopped otherwise
96% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.9% 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 497,338 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% 1.9%
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 39,278 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 · 2024 against 2023 · 32 lines
Balance sheet Code20232024
Assets
Total assets20/58€36,736€64,821▲
Current assets29/58€36,736€64,821▲
Amounts receivable within one year40/41€2,756€8,706▲
Trade receivables40€2,172€4,057▲
Other amounts receivable41€584€4,649▲
Cash at bank and in hand54/58€33,980€56,115▲
Equity and liabilities
Total equity and liabilities10/49€36,736€64,821▲
Equity10/15€17,165€20,563▲
Contributions10/11€5,000€5,000=
Capital10-€5,000
Issued capital100-€5,000
Profit (loss) carried forward14€12,165€15,563▲
Amounts payable17/49€19,571€44,258▲
Amounts payable within one year42/48€19,571€44,258▲
Trade debts44€2,034€27,910▲
Suppliers440/4€2,034€27,910▲
Taxes, remuneration and social security45€17,537€16,348▼
Taxes450/3€7,552€16,348▲
Remuneration and social security454/9€9,984-
Income statement Code20232024
Turnover70€229,477-
Goods, raw materials, services and sundry goods60/61€222,865-
Other operating charges640/8€130-
Gross operating margin9900€6,612€4,233▼
Operating profit (loss)9901€6,482€4,233▼
Financial charges65/66B€92€57▼
Recurring financial charges65€92€57▼
Profit (loss) for the period before taxes9903€6,390€4,176▼
Income taxes67/77-€778
Profit (loss) for the period9904€6,390€3,398▼
Profit (loss) for the period to be appropriated9905€6,390€3,398▼
Appropriation of the result
Profit (loss) to be appropriated9906€12,165€15,563▲
Profit (loss) brought forward from the previous period14P€5,775€12,165▲
Line202220232024Change
Turnover70-€229,477--
Goods, raw materials, services and sundry goods60/61-€222,865--
Other operating charges640/8€15€130--
Gross operating margin9900€5,888€6,612€4,233▼ 36.0%
Operating profit (loss)9901€5,873€6,482€4,233▼ 34.7%
Financial charges65/66B€98€92€57▼ 37.9%
Recurring financial charges65€98€92€57▼ 37.9%
Profit (loss) for the period before taxes9903€5,775€6,390€4,176▼ 34.7%
Income taxes67/77--€778-
Profit (loss) for the period9904€5,775€6,390€3,398▼ 46.8%
Profit (loss) for the period to be appropriated9905€5,775€6,390€3,398▼ 46.8%
Line202220232024Change
Assets
Total assets20/58€39,733€36,736€64,821▲ 76.5%
Current assets29/58€39,733€36,736€64,821▲ 76.5%
Amounts receivable within one year40/41€3,108€2,756€8,706▲ 216%
Trade receivables40€2,279€2,172€4,057▲ 86.8%
Other amounts receivable41€829€584€4,649▲ 696%
Cash at bank and in hand54/58€36,625€33,980€56,115▲ 65.1%
Equity and liabilities
Total equity and liabilities10/49€39,733€36,736€64,821▲ 76.5%
Equity10/15€10,775€17,165€20,563▲ 19.8%
Contributions10/11€5,000€5,000€5,000=
Capital10€5,000-€5,000-
Issued capital100€5,000-€5,000-
Profit (loss) carried forward14€5,775€12,165€15,563▲ 27.9%
Amounts payable17/49€28,958€19,571€44,258▲ 126%
Amounts payable within one year42/48€28,958€19,571€44,258▲ 126%
Trade debts44€11,385€2,034€27,910▲ 1,272%
Suppliers440/4€11,385€2,034€27,910▲ 1,272%
Taxes, remuneration and social security45€17,572€17,537€16,348▼ 6.8%
Taxes450/3€7,588€7,552€16,348▲ 116%
Remuneration and social security454/9€9,984€9,984--
Line202220232024Change
Profit (loss) for the period9904€5,775€6,390€3,398▼ 46.8%
Operating cash flow (approximation)€5,775€6,390€3,398▼ 46.8%
Change in cash--€2,645€22,135▲ 937%

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

2026
16-02
NBB filing Annual accounts filed
fiscal year 2024 · full schema · 200 days late
2025
07-05
NBB filing Annual accounts filed
fiscal year 2023 · full schema · 280 days late
2024
31-12
Financial Weakest financial yearnet €3,398 ▼46.8%
Net result drops to €3,398, the lowest in the series.
2023
31-12
Financial Highest result since 2022net €6,390 ▲10.7%
Operating result €6,482, net result €6,390, both a record.
13-06
NBB filing Annual accounts filed
fiscal year 2022 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 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
2 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, Ternat · 1 establishment unit since 2022
seat establishment The establishment unit on the map
Ground area
1,061 m²
Building footprint
207 m²
Volume, LiDAR
1,607 m³
2 parcels, Flanders, Wallonia · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Lambot(AI) 12, 6250 Aiseau-Presles
NACE 45111
since 20222.327.054.744
2 parcels
Flanders 1 (50%) Wallonia 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
52002A0013/00K003 Wallonia 979 m² 1 · 148 m² 9.2 m · 3 fl.
23086A0354/00K002 Flanders 82 m² 1 · 58 m² 10.3 m · 3 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 2,129 companies in sector 46711 we hold annual accounts for 1,130. 583 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded27-01-2022
Fiscal year end31-12
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)
46180Agents specialised in the wholesale of other particular products
Contact
E-mail sskauto18@gmail.com
E-invoicing
Reachable via Peppol
Peppol ID 0208:0780996290
Also 9925:BE0780996290
Registered 13-11-2025

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

Register as of 29 September 2026 · Peppol Directory

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