thl auto consulting
Activethl auto consulting has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €382k and a net result of €54k. Equity is growing by ~11.3% per year across the filed fiscal years. Its solvency ranks better than 78% of 10242 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +9 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+42
Solvency100▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 6.67 against 7.75 in 2024), and 33.7% 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
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
66.3%
Return on assets
9.4%
Age of the figures
8 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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
19 d late
2024
28 d late
2023
22 d early
2022
35 d early
2021
16 d early
2020
2 d early
2019
89 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
€54k▲ 184%
2024 · €19k
2018: €-53k
2019: €-70k
2020: €86k
2021: €103k
2022: €34k
2023: €4k
2024: €19k
2018 → 2025
Working capital
€473k▲ 7.7%
2024 · €439k
2018: €106k
2019: €93k
2020: €196k
2021: €277k
2022: €306k
2023: €313k
2024: €439k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€304k-€338k▲ 11.3%€341k▲ 0.9%€335k▼ 1.7%€382k▲ 14.1%
Operating result€134k-€61k▼ 54.8%€18k▼ 70.1%€55k▲ 204%€97k▲ 75.5%
Net result€103k-€34k▼ 66.4%€4k▼ 89.1%€19k▲ 410%€54k▲ 184%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 75% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €577k
Fixed assets
€20k▼ 52.1%
Current assets
€556k▲ 10.3%
Equity and liabilities €577k
Equity
€382k▲ 14.1%
Debt
€194k▼ 8.1%
The debt ratio falls from 38.7% to 33.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€122k▲
2024 · €82k
Cash flow
€79k▲
2024 · €46k
Solvency
66.3%▲
2024 · 61.3%
Current ratio
6.67▼
2024 · 7.75
Quick ratio
2.39▼
2024 · 2.39
Debt / equity
0.51▼
2024 · 0.63
ROE
14.2%▲
2024 · 5.7%
ROA
9.4%▲
2024 · 3.5%
Interest coverage
12.29▲
2024 · 3.93
Debt
€194k▼
2024 · €211k
Debt ≤ 1 year
€83k▲
2024 · €65k
Debt > 1 year
€111k▼
2024 · €146k
Income taxes
€33k▲
2024 · €15k
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€547k€577k▲
Fixed assets21/28€42k€20k▼
Tangible fixed assets22/27€42k€20k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€29k€11k▼
Other tangible fixed assets26€10k€8k▼
Current assets29/58€504k€556k▲
Amounts receivable after more than one year29€20k€20k=
Other amounts receivable291€20k€20k=
Stocks and contracts in progress3€349k€357k▲
Stocks30/36€349k€357k▲
Amounts receivable within one year40/41€64k€50k▼
Trade receivables40€2k-
Other amounts receivable41€62k€50k▼
Cash at bank and in hand54/58€69k€122k▲
Deferred charges and accrued income490/1€3k€7k▲
Equity and liabilities
Total equity and liabilities10/49€547k€577k▲
Equity10/15€335k€382k▲
Contributions10/11€19k€19k=
Reserves13€314k€361k▲
Distributable reserves133€314k€361k▲
Profit (loss) carried forward14€3k€3k▲
Amounts payable17/49€211k€194k▼
Amounts payable after more than one year17€146k€111k▼
Financial debts170/4€46k€6k▼
Other amounts payable178/9€100k€105k▲
Amounts payable within one year42/48€65k€83k▲
Current portion of amounts payable after more than one year42€42k€41k▼
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Advances received on contracts in progress46-€18k
Taxes, remuneration and social security45€10k€10k▲
Taxes450/3€10k€10k▲
Other amounts payable47/48€9k€13k▲
Income statement
Code20242025
Non-recurring operating income76A-€8k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€25k▼
Other operating charges640/8€849€2k▲
Non-recurring operating charges66A-€3k
Gross operating margin9900€83k€126k▲
Operating profit (loss)9901€55k€97k▲
Financial income75/76B-€25
Recurring financial income75-€25
Financial charges65/66B€21k€10k▼
Recurring financial charges65€21k€10k▼
Profit (loss) for the period before taxes9903€34k€87k▲
Income taxes67/77€15k€33k▲
Profit (loss) for the period9904€19k€54k▲
Profit (loss) for the period to be appropriated9905€19k€54k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€57k▲
Profit (loss) brought forward from the previous period14P€3k€3k▲
Transfer from equity791/2€25k€7k▼
Transfer to equity691/2€19k€54k▲
To other reserves6921€19k€54k▲
Profit to be distributed694/7€25k€7k▼
Return on contributions (dividend)694€25k€7k▼
The notes to these accounts (12 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 19 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 7.75
Current ratio from 2.47 to 7.75; short-term debt falls from €213k to €65k.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €103k ▲18.5%
Operating result €134k, net result €103k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €86k
Net result €86k after 2 loss-making years.
31-12
Financial
Equity above €200kEq €219k ▲65.1%
Equity rises from €133k to €219k.
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 89 days late
2019
31-12
Financial
Weakest financial yearnet €-70k
Net result drops to €-70k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 22 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Ramillies · 1 establishment unit since 2008
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.
Rue du Piroy 591367 RamilliesGround area
8.0 ha
Building footprint
1.4 ha
Volume, LiDAR
846 m³
2 parcels, Wallonia · tallest building 8.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
THL Auto Consulting
since 20082.168.802.808
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92253D0287/00F000 | Wallonia | 7.8 ha | 1 · 1.4 ha | - |
| 25002A0248/00S002 | Wallonia | 2,046 m² | 1 · 118 m² | 8.5 m · 3 fl. |
Linked by address, not proof of ownership
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.
Recognitions · licences · registrations
Legal Entity Identifier
54930004KLKRFBRCGV98
Similar companies · same sector, comparable size
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BE 0411.975.925
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MARREYT CLASSICS
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Ternat · Eq €382k
EUROPEAN IMPORTS GROUP
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GARAGE WAUTERS
BE 0461.141.859
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SAVAS CARS
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Houthalen-Helchteren · Eq €381k
Of 10,615 companies in sector 47811 we hold annual accounts for 5,191. 3,545 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-01-2008
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
43350Other building finishing work
43990Other specialised construction activities
43999Specialised construction activities
47812Retail trade
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
45310
45402
46720Wholesale of motor vehicle parts and accessories
47830Retail sale of motorcycles and motorcycle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:leveque.consult@swing.be
Phone:0495/51 72 00