TOP CLASSICS
ActiveTOP CLASSICS has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €124k and a net result of €-337k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 20% of 10206 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
17
/ 100
Critical▼ -41 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency19▼-3
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.04 against 1.11 in 2024), and 89.7% 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.
+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 →
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 2025Solvency, return and age of the figures
Solvency
10.3%
Return on assets
-28.1%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 10206 sector peers (2025).
NBB · sector comparisonPosition among 10206 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 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 · 9 filingsDeviation from the deadline
2025
4 d late
2024
36 d late
2023
72 d late
2022
7 d early
2021
19 d late
2020
30 d late
2019
68 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
12-09-2026 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
€-337k
2024 · €180k
2018: €1k
2019: €12k
2020: €-20k
2021: €8k
2022: €65k
2023: €186k
2024: €180k
2018 → 2025
Working capital
€41k▼ 89.6%
2024 · €389k
2018: €29k
2019: €80k
2020: €155k
2021: €163k
2022: €88k
2023: €271k
2024: €389k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€30k-€95k▲ 219%€281k▲ 197%€461k▲ 64.2%€124k▼ 73.1%
Operating result€13k-€86k▲ 558%€264k▲ 207%€309k▲ 17.0%€-276k
Net result€8k-€65k▲ 727%€186k▲ 186%€180k▼ 3.1%€-337k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €276k after €309k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.20M
Fixed assets
€101k▼ 14.5%
Current assets
€1.10M▼ 70.9%
Equity and liabilities €1.20M
Equity
€124k▼ 73.1%
Debt
€1.07M▼ 68.7%
The debt ratio rises from 88.2% to 89.7%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-240k▼
2024 · €334k
Cash flow
€-301k▼
2024 · €206k
Solvency
10.3%▼
2024 · 11.8%
Current ratio
1.04▼
2024 · 1.11
Quick ratio
0.05▼
2024 · 0.15
Debt / equity
8.67▲
2024 · 7.44
ROE
-272.1%▼
2024 · 39.1%
ROA
-28.1%▼
2024 · 4.6%
Interest coverage
-3.91▼
2024 · 5.07
Debt
€1.07M▼
2024 · €3.43M
Debt ≤ 1 year
€1.06M▼
2024 · €3.38M
Debt > 1 year
€9k▼
2024 · €24k
Income taxes
€-45▼
2024 · €63k
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€3.89M€1.20M▼
Fixed assets21/28€118k€101k▼
Intangible fixed assets21€22k€14k▼
Tangible fixed assets22/27€96k€87k▼
Plant, machinery and equipment23€33k€23k▼
Furniture and vehicles24€63k€64k▲
Current assets29/58€3.77M€1.10M▼
Stocks and contracts in progress3€3.25M€1.04M▼
Stocks30/36€3.25M€1.04M▼
Amounts receivable within one year40/41€504k€55k▼
Trade receivables40€461k€20k▼
Other amounts receivable41€42k€35k▼
Cash at bank and in hand54/58€187€187=
Deferred charges and accrued income490/1€17k€3k▼
Equity and liabilities
Total equity and liabilities10/49€3.89M€1.20M▼
Equity10/15€461k€124k▼
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€447k€110k▼
Amounts payable17/49€3.43M€1.07M▼
Amounts payable after more than one year17€24k€9k▼
Financial debts170/4€24k€9k▼
Amounts payable within one year42/48€3.38M€1.06M▼
Current portion of amounts payable after more than one year42€16k€16k▲
Financial debts43€1.56M€499k▼
Credit institutions430/8€1.56M€499k▼
Trade debts44€1.33M€440k▼
Suppliers440/4€1.33M€440k▼
Taxes, remuneration and social security45€299k€55k▼
Taxes450/3€299k€55k▼
Other amounts payable47/48€178k€46k▼
Accrued charges and deferred income492/3€22k€9k▼
Income statement
Code20242025
Non-recurring operating income76A€4k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€36k▲
Other operating charges640/8€513€5k▲
Gross operating margin9900€335k€-235k▼
Operating profit (loss)9901€309k€-276k▼
Financial income75/76B€900€467▼
Recurring financial income75€900€467▼
Financial charges65/66B€66k€61k▼
Recurring financial charges65€66k€61k▼
Profit (loss) for the period before taxes9903€244k€-337k▼
Income taxes67/77€63k€-45▼
Profit (loss) for the period9904€180k€-337k▼
Profit (loss) for the period to be appropriated9905€180k€-337k▼
Appropriation of the result
Profit (loss) to be appropriated9906€447k€110k▼
Profit (loss) brought forward from the previous period14P€266k€447k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (16 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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 4 days late
2025
31-12
Financial
Weakest financial yearnet €-337k ▼287%
Net result drops to €-337k, the lowest in the series.
05-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 36 days late
2024
11-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 72 days late
2023
31-12
Financial
Highest result since 2018net €186k ▲186%
Net result €186k, the highest in the series.
31-12
Financial
Equity above €200kEq €281k ▲197%
3 profitable years in a row build equity to €281k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 19 days late
2021
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 68 days late
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Comines-Warneton · 1 establishment unit since 2017
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.
Armentieresstraat(Biz) 268/017783 Comines-WarnetonGround area
1,885 m²
Building footprint
732 m²
Volume, LiDAR
3,295 m³
2 parcels, Flanders, Wallonia · tallest building 5.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Topclassics
since 20172.263.120.460
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33029B0146/00Z000 | Flanders | 1,805 m² | 1 · 672 m² | 5.5 m · 2 fl. |
| 54008F0444/00W014 | Wallonia | 80 m² | 1 · 60 m² | - |
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.
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CORSAUTO
BE 0761.978.748
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GAUSSIN AUTOMOBILES
BE 0657.806.290
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ROSMAN JP
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Of 10,620 companies in sector 47811 we hold annual accounts for 5,193. 3,666 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-03-2017
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
33170Repair, maintenance and installation of machinery and equipment
46711Wholesale of cars and light vans (up to 3.5 tonnes)
45194
95313Repair and fitting of specific motor vehicle parts
45310
45402
46713Wholesale trade
46720Wholesale of motor vehicle parts and accessories
47830Retail sale of motorcycles and motorcycle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.