TOP-CAR
ActiveTOP-CAR has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €826k and a net result of €163k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 81% of 26056 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
100
/ 100
Excellent▲ +7 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability99▲+12
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 5.37 against 5.49 in 2023), and 29.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
70.7%
Return on assets
14%
Age of the figures
20 mo
lowers risk · Growing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €826k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-07-2025, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d early
2023
34 d early
2022
39 d early
2021
38 d early
2020
37 d early
2019
36 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€826k▲ 5.7%
2023 · €781k
2018: €855k
2019: €927k
2020: €911k
2021: €708k
2022: €739k
2023: €781k
2018 → 2024
Total assets
€1.17M▲ 9.7%
2023 · €1.06M
2018: €889k
2019: €943k
2020: €941k
2021: €867k
2022: €1.09M
2023: €1.06M
2018 → 2024
Net result
€163k▲ 20.3%
2023 · €136k
2018: €165k
2019: €72k
2020: €62k
2021: €68k
2022: €193k
2023: €136k
2018 → 2024
Working capital
€822k▲ 18.2%
2023 · €695k
2018: €743k
2019: €826k
2020: €746k
2021: €611k
2022: €587k
2023: €695k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€911k-€708k▼ 22.2%€739k▲ 4.4%€781k▲ 5.7%€826k▲ 5.7%
Operating result€103k-€103k▼ 0.1%€226k▲ 120%€193k▼ 14.7%€207k▲ 7.0%
Net result€62k-€68k▲ 9.9%€193k▲ 182%€136k▼ 29.6%€163k▲ 20.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 7% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.17M
Fixed assets
€158k▼ 26.2%
Current assets
€1.01M▲ 18.8%
Equity and liabilities €1.17M
Equity
€826k▲ 5.7%
Debt
€342k▲ 21.0%
The debt ratio rises from 26.6% to 29.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€273k▲
2023 · €267k
Cash flow
€230k▲
2023 · €209k
Solvency
70.7%▼
2023 · 73.4%
Current ratio
5.37▼
2023 · 5.49
Quick ratio
5.37▼
2023 · 5.49
Debt / equity
0.41▲
2023 · 0.36
ROE
19.8%▲
2023 · 17.4%
ROA
14.0%▲
2023 · 12.7%
Interest coverage
114.92▲
2023 · 79.07
Debt
€342k▲
2023 · €283k
Debt ≤ 1 year
€188k▲
2023 · €155k
Debt > 1 year
€51k▼
2023 · €83k
Income taxes
€65k▲
2023 · €57k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.06M€1.17M▲
Fixed assets21/28€214k€158k▼
Tangible fixed assets22/27€209k€153k▼
Land and buildings22€48k€40k▼
Plant, machinery and equipment23€4k€7k▲
Furniture and vehicles24€157k€105k▼
Financial fixed assets28€5k€5k=
Current assets29/58€850k€1.01M▲
Stocks and contracts in progress3€321-
Stocks30/36€321-
Amounts receivable within one year40/41€23k€34k▲
Trade receivables40€23k€34k▲
Current investments50/53€707k€655k▼
Cash at bank and in hand54/58€107k€304k▲
Deferred charges and accrued income490/1€13k€17k▲
Equity and liabilities
Total equity and liabilities10/49€1.06M€1.17M▲
Equity10/15€781k€826k▲
Contributions10/11€19k€19k=
Reserves13€763k€807k▲
Tax-exempt reserves132€62k€62k=
Distributable reserves133€701k€745k▲
Amounts payable17/49€283k€342k▲
Amounts payable after more than one year17€83k€51k▼
Financial debts170/4€83k€51k▼
Amounts payable within one year42/48€155k€188k▲
Current portion of amounts payable after more than one year42€31k€32k▲
Trade debts44€13k€19k▲
Suppliers440/4€13k€19k▲
Taxes, remuneration and social security45€23k€25k▲
Taxes450/3€19k€21k▲
Remuneration and social security454/9€4k€4k▲
Other amounts payable47/48€89k€112k▲
Accrued charges and deferred income492/3€45k€103k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€74k€67k▼
Other operating charges640/8€3k€3k▲
Non-recurring operating charges66A€2k-
Gross operating margin9900€271k€276k▲
Operating profit (loss)9901€193k€207k▲
Financial income75/76B€2k€24k▲
Recurring financial income75€2k€24k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€192k€228k▲
Income taxes67/77€57k€65k▲
Profit (loss) for the period9904€136k€163k▲
Profit (loss) for the period to be appropriated9905€136k€163k▲
Appropriation of the result
Profit (loss) to be appropriated9906€136k€163k▲
Transfer from equity791/2€94k€119k▲
Transfer to equity691/2€136k€163k▲
To other reserves6921€136k€163k▲
Profit to be distributed694/7€94k€119k▲
Return on contributions (dividend)694€94k€119k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €193k ▲182%
Net result €193k, the highest in the series.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €62k ▼13.9%
Net result drops to €62k, the lowest in the series; recovery starts the following year.
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 52.59
Current ratio from 22.92 to 52.59; short-term debt falls from €34k to €16k.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
23-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Kapelle-op-den-Bos · 1 establishment unit since 2002
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.
Veldstraat 1191880 Kapelle-op-den-BosGround area
1,210 m²
Building footprint
157 m²
Volume, LiDAR
867 m³
Parcel 23056B0120/00A003, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Veldstraat 119, 1880 Kapelle-op-den-Bos
since 20022.099.159.479
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23056B0120/00A003 | Flanders | 1,210 m² | 1 · 157 m² | 8.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 416 EUR awarded · 375 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 41 EUR | 0 EUR |
| 2024 | 1 | 72 EUR | 72 EUR |
| 2023 | 1 | 237 EUR | 237 EUR |
| 2022 | 1 | 66 EUR | 66 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
FM FER ET METAUX
BE 0722.681.771
Chapelle-lez-Herlaimont · Eq €825k
RENESSENCE GROUP
BE 0666.416.526
Menen · Eq €824k
GARAGE VANHEES
BE 0430.432.253
Bilzen-Hoeselt · Eq €827k
BRITISH & SPORTS CARS
BE 0461.707.726
Overijse · Eq €823k
RENAULT MOTORS GENAPPE
BE 0865.417.865
Genappe · Eq €823k
Of 10,618 companies in sector 47811 we hold annual accounts for 5,192. 3,089 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2002
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
45310
46720Wholesale of motor vehicle parts and accessories
50200
50301
Sources
Crossroads Bank for EnterprisesNational Bank · 22 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.