TM AUTO'S
ActiveSummary
TM AUTO'S has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €240k and a net result of €71k. Equity is growing by ~32.9% per year across the filed fiscal years. Its solvency ranks better than 57% of 10407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability85▲+4
Solvency69▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 1.54 against 1.26 in 2024; short-term debt: 33.9% and cash: 5.5% of total assets), but 56% 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
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 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
44%
Return on assets
13%
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 30-06-2026, 31 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
31 d early
2024
58 d late
2023
31 d early
2022
14 d early
2021
14 d early
2020
89 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 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
€71k▲ 46.0%
2024 · €48k
Working capital
€99k▲ 122%
2024 · €45k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€50k▲ 199%€45k▼ 10.6%€49k▲ 8.4%€65k▲ 33.9%€107k▲ 63.8%
Net result€37k▲ 126%€32k▼ 13.9%€44k▲ 37.0%€48k▲ 10.7%€71k▲ 46.0%
Equity€72k▲ 106%€104k▲ 44.3%€148k▲ 42.0%€196k▲ 32.8%€240k▲ 22.1%
Total assets€378k▲ 121%€411k▲ 8.7%€483k▲ 17.6%€509k▲ 5.4%€545k▲ 7.1%
Debt€118k▼ 13.5%€167k▲ 41.6%€243k▲ 45.9%€285k▲ 17.0%€305k▲ 7.2%
Working capital€-17k€-42k▼ 149%€-57k▼ 35.9%€45k€99k▲ 122%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 64% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €545k
Fixed assets
€261k ▼ 10.7%
Current assets
€284k ▲ 31.2%
Equity and liabilities €545k
Equity
€240k ▲ 22.1%
Provisions
€0 ▼ 100%
Debt
€305k ▲ 7.2%
Debt's share of the balance-sheet total rises from 55.9% to 56.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€130k▲
2024 · €93k
Cash flow
€93k▲
2024 · €76k
Current ratio
1.54▲
2024 · 1.26
Quick ratio
1.36▲
2024 · 1.07
Debt to equity
1.27▼
2024 · 1.45
ROE
29.5%▲
2024 · 24.7%
ROA
13.0%▲
2024 · 9.5%
Interest coverage
156.10▲
2024 · 143.55
Debt ≤ 1 year
€185k▲
2024 · €172k
Debt > 1 year
€121k▲
2024 · €113k
Income taxes
€36k▲
2024 · €16k
Staff costs
€87k▲
2024 · €55k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €40k | €37k | €46k | €55k | €87k | ▲ 59.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10k | €19k | €25k | €28k | €22k | ▼ 18.4% |
| Other operating charges640/8 | €672 | €3k | €3k | €5k | €3k | ▼ 42.3% |
| Gross operating margin9900 | €101k | €104k | €123k | €153k | €220k | ▲ 43.8% |
| Operating profit (loss)9901 | €50k | €45k | €49k | €65k | €107k | ▲ 63.8% |
| Financial income75/76B | €63 | €362 | €2 | €2 | €24 | ▲ 896% |
| Recurring financial income75 | €63 | €362 | €2 | €2 | €24 | ▲ 896% |
| Financial charges65/66B | €604 | €720 | €2k | €647 | €830 | ▲ 28.3% |
| Recurring financial charges65 | €604 | €720 | €2k | €647 | €830 | ▲ 28.3% |
| Profit (loss) for the period before taxes9903 | €50k | €45k | €47k | €65k | €106k | ▲ 64.2% |
| Income taxes67/77 | €13k | €13k | €3k | €16k | €36k | ▲ 119% |
| Profit (loss) for the period9904 | €37k | €32k | €44k | €48k | €71k | ▲ 46.0% |
| Profit (loss) for the period to be appropriated9905 | €37k | €32k | €44k | €48k | €71k | ▲ 46.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €378k | €411k | €483k | €509k | €545k | ▲ 7.1% |
| Formation expenses20 | €366 | €190 | - | - | - | - |
| Fixed assets21/28 | €282k | €286k | €338k | €293k | €261k | ▼ 10.7% |
| Tangible fixed assets22/27 | €282k | €286k | €338k | €293k | €261k | ▼ 10.7% |
| Plant, machinery and equipment23 | €4k | €6k | €5k | €6k | €6k | ▼ 1.0% |
| Furniture and vehicles24 | €7k | €4k | €55k | €25k | €24k | ▼ 2.1% |
| Other tangible fixed assets26 | €271k | €276k | €278k | €262k | €232k | ▼ 11.7% |
| Current assets29/58 | €96k | €125k | €145k | €216k | €284k | ▲ 31.2% |
| Stocks and contracts in progress3 | €32k | €35k | €34k | €32k | €33k | ▲ 2.5% |
| Stocks30/36 | €32k | €35k | €34k | €32k | €33k | ▲ 2.5% |
| Amounts receivable within one year40/41 | €62k | €84k | €93k | €157k | €219k | ▲ 39.2% |
| Trade receivables40 | €57k | €84k | €93k | €157k | €219k | ▲ 39.2% |
| Other amounts receivable41 | €6k | - | - | - | - | - |
| Cash at bank and in hand54/58 | - | €5k | €18k | €24k | €30k | ▲ 26.8% |
| Deferred charges and accrued income490/1 | €1k | €347 | - | €3k | €2k | ▼ 40.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €378k | €411k | €483k | €509k | €545k | ▲ 7.1% |
| Equity10/15 | €72k | €104k | €148k | €196k | €240k | ▲ 22.1% |
| Contributions10/11 | €19k | €20k | €20k | €20k | €20k | = |
| Capital10 | €19k | - | - | - | - | - |
| Issued capital100 | €19k | - | - | - | - | - |
| Reserves13 | - | - | - | - | €71k | - |
| Distributable reserves133 | - | - | - | - | €71k | - |
| Profit (loss) carried forward14 | €54k | €84k | €128k | €176k | €149k | ▼ 15.4% |
| Provisions and deferred taxes16 | €188k | €140k | €92k | €28k | - | - |
| Provisions for liabilities and charges160/5 | €188k | €140k | €92k | €28k | - | - |
| Other liabilities and charges164/5 | €188k | €140k | €92k | €28k | - | - |
| Amounts payable17/49 | €118k | €167k | €243k | €285k | €305k | ▲ 7.2% |
| Amounts payable after more than one year17 | - | - | €41k | €113k | €121k | ▲ 6.9% |
| Financial debts170/4 | - | - | - | €113k | €121k | ▲ 6.9% |
| Trade debts175 | - | - | €41k | - | - | - |
| Amounts payable within one year42/48 | €112k | €167k | €202k | €172k | €185k | ▲ 7.5% |
| Current portion of amounts payable after more than one year42 | €2k | - | €15k | €112k | - | - |
| Trade debts44 | €50k | €78k | €80k | - | €92k | - |
| Suppliers440/4 | €50k | €78k | €80k | - | €92k | - |
| Taxes, remuneration and social security45 | €30k | €42k | €32k | €53k | €88k | ▲ 66.1% |
| Taxes450/3 | €27k | €38k | €27k | €42k | €81k | ▲ 94.9% |
| Remuneration and social security454/9 | €3k | €4k | €5k | €11k | €7k | ▼ 38.8% |
| Other amounts payable47/48 | €30k | €48k | €75k | €6k | €4k | ▼ 35.6% |
| Accrued charges and deferred income492/3 | €5k | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €37k | €32k | €44k | €48k | €71k | ▲ 46.0% |
| + Depreciation and write-downs630 | €10k | €19k | €25k | €28k | €22k | ▼ 18.4% |
| Operating cash flow (approximation) | €47k | €51k | €69k | €76k | €93k | ▲ 22.7% |
| Investment in fixed assets (approximation) | - | €-23k | €-78k | €18k | €9k | ▼ 49.6% |
| Change in cash | - | - | €13k | €6k | €6k | ▲ 15.1% |
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
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2020net €71k ▲46%
Operating result €107k, net result €71k, both a record.
31-12
Financial
Equity above €200kEq €240k ▲22.1%
6 profitable years in a row build equity to €240k.
27-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 58 days late
2024
31-12
Financial
Equity above €150kEq €196k ▲32.8%
5 profitable years in a row build equity to €196k.
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €104k ▲44.3%
3 profitable years in a row build equity to €104k.
17-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
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, Rixensart · 1 establishment unit since 2019
Ground area
569 m²
Building footprint
81 m²
Volume, LiDAR
613 m³
Parcel 25033D0440/00A000, Wallonia · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TM AUTO'S
since 20192.284.913.192
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25033D0440/00A000 | Wallonia | 569 m² | 1 · 81 m² | 10.8 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.
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Of 2,445 companies in sector 47820 we hold annual accounts for 779. 557 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 (pre-2019)
Founded04-02-2019
Fiscal year end31-12
Abbreviation FR
TMA
Activities, NACEBEL 2025
47820Retail sale of motor vehicle parts and accessories
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
Scores and ratios are computed by Checked and are not a credit decision.