Age2 yrs
Real estate2 parcels · 531 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of TAM AUTOS is 3.0% (moderate). The 2024 annual accounts show negative equity (€-4k) and a net result of €-6k. Its solvency ranks better than 23% of 3351 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone3.0%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Annual accounts: weaker financial profile
+Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceNegative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Trust signals
3 signalsYoung company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags
0 events
No administrative flags
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-6k
Working capital€-4k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 02-12-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -6.0% | 25.2% | |
| Net result | €-6k | €4k | |
| Equity | €-4k | €23k | |
| Gross operating margin | €-6k | €19k | |
| Total assets | €64k | €105k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Revenue | - |
| EBITDA | - |
| Net profit | €-6k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €64k |
| Equity | €-4k |
| Debt | €67k |
| of which ≤ 1y | €67k |
| of which > 1y | - |
| Working capital | €-4k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.94 |
| Quick ratio | 0.64 |
| Working capital ratio | -6.0% |
| Solvency | -6.0% |
| Debt / equity | -17.57 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | -9.2% |
| ROE | 152.2% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €64k |
| Current assets | 29/58 | €64k |
| Stocks & contracts in progress | 3 | €20k |
| Amounts receivable within one year | 40/41 | €41k |
| Cash & bank | 54/58 | €3k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €64k |
| Equity | 10/15 | €-4k |
| Contributions / capital | 10/11 | €2k |
| Accumulated profits (losses) | 14 | €-6k |
| Amounts payable | 17/49 | €67k |
| Amounts payable within one year | 42/48 | €67k |
| Trade debts payable within one year | 44 | €31k |
| Income statement | ||
| Gross operating margin | 9900 | €-6k |
| Operating result | 9901 | €-6k |
| Financial income | 75 | €1 |
| Financial charges | 65 | €96 |
| Result before taxes | 9903 | €-6k |
| Net result for the period | 9904 | €-6k |
| Result to be appropriated | 9905 | €-6k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed25
/ 100
Weak
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Structure & network
Locations & real estate
Establishment units
1 locationTAM AUTOS
since 20242.358.057.528
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area531 m²
Buildings2
Building footprint215 m²
Volume (LiDAR)2,493 m³
Tallest building14.9 m · ±5 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62352E0162/00N000 | Wallonia | 384 m² | 1 · 71 m² | 14.5 m · 5 fl. |
| 22662B0387/00R004 | Flanders | 147 m² | 1 · 144 m² | 14.9 m · 4 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Analysis
Snowflake analysis
financial profile on 5 axes57
/ 100
Mixed profile: strong on profitability, weaker on health.
Health
25
Profitability
100
Solvency
43
Growth
50
Stability
67
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Credit advice
verdict per customer and amountSimilar
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Same sector, nearest firstCompany registry
Company registry (CBE)
Crossroads BankActivities
Handelsbemiddeling in auto's en lichte bestelwagens (= 3,5 ton)45112Handelsbemiddeling in de groothandel in andere specifieke goederen46180Groothandel in auto's en lichte bestelwagens (= 3,5 ton)45111Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)45113Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (= 3,5 ton)45201Groothandel in auto's en lichte bestelwagens (<= 3,5 ton)46711Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton)95311
Primary activity highlighted.
Names & trade names
| Legal nameNL | TAM AUTOS |
Registered office
Lt. Graffplein 15
1780 Wemmel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.