TOP GEAR
ActiveSummary
TOP GEAR has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45k and a net result of €-3k. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 38% of 11389 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability45▲+4
Solvency51▼-11
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.59 against 3.53 in 2024; short-term debt: 28.6% and cash: 13% of total assets), but 74.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
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
25.9%
Return on assets
-1.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
61 d late
2023
23 d late
2022
51 d late
2021
56 d late
2020
20 d late
2019
91 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, micro schema
Equity
€45k▼ 5.6%
2024 · €48k
2018: €29k
2019: €30k
2020: €36k
2021: €43k
2022: €43k
2023: €46k
2024: €48k
2018 → 2025
Total assets
€175k▲ 35.3%
2024 · €129k
2018: €39k
2019: €40k
2020: €48k
2021: €107k
2022: €160k
2023: €193k
2024: €129k
2018 → 2025
Net result
€-3k
2024 · €2k
2018: €141
2019: €139
2020: €6k
2021: €7k
2022: €155
2023: €3k
2024: €2k
2018 → 2025
Working capital
€79k▼ 14.4%
2024 · €93k
2018: €27k
2019: €28k
2020: €35k
2021: €42k
2022: €43k
2023: €68k
2024: €93k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43k-€43k▲ 0.4%€46k▲ 6.9%€48k▲ 3.8%€45k▼ 5.6%
Operating result€8k-€1k▼ 82.3%€5k▲ 249%€7k▲ 43.7%€5k▼ 26.6%
Net result€7k-€155▼ 97.8%€3k▲ 1,816%€2k▼ 40.8%€-3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €175k
Fixed assets
€46k ▲ 628,542%
Current assets
€129k =
Equity and liabilities €175k
Equity
€45k ▼ 5.6%
Debt
€130k ▲ 59.4%
Debt's share of the balance-sheet total rises from 62.9% to 74.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€20k
Cash flow
€12k
Current ratio
2.59▼
2024 · 3.53
Quick ratio
1.06▲
2024 · 0.38
Debt to equity
2.87▲
2024 · 1.70
ROE
-6.0%▼
2024 · 3.7%
ROA
-1.5%▼
2024 · 1.4%
Interest coverage
3.43
Debt ≤ 1 year
€50k▲
2024 · €37k
Debt > 1 year
€80k▲
2024 · €45k
Income taxes
€2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€129k€175k▲
Fixed assets21/28€7€46k▲
Tangible fixed assets22/27€7€46k▲
Plant, machinery and equipment23€7-
Furniture and vehicles24-€46k
Current assets29/58€129k€129k=
Stocks and contracts in progress3€115k€76k▼
Stocks30/36€115k€76k▼
Amounts receivable within one year40/41€2k€29k▲
Trade receivables40€2k€1k▼
Other amounts receivable41-€28k
Cash at bank and in hand54/58€12k€23k▲
Deferred charges and accrued income490/1€643€643=
Equity and liabilities
Total equity and liabilities10/49€129k€175k▲
Equity10/15€48k€45k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€27k€25k▼
Amounts payable17/49€81k€130k▲
Amounts payable after more than one year17€45k€80k▲
Financial debts170/4€45k€80k▲
Amounts payable within one year42/48€37k€50k▲
Current portion of amounts payable after more than one year42€21k€43k▲
Financial debts43€1€1=
Credit institutions430/8€1€1=
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Advances received on contracts in progress46€3k-
Taxes, remuneration and social security45€3k€3k▲
Taxes450/3€3k€3k▲
Other amounts payable47/48€8k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€15k
Other operating charges640/8€678€6k▲
Gross operating margin9900€8k€26k▲
Operating profit (loss)9901€7k€5k▼
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€2k€-414▼
Income taxes67/77-€2k
Profit (loss) for the period9904€2k€-3k▼
Profit (loss) for the period to be appropriated9905€2k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€25k▼
Profit (loss) brought forward from the previous period14P€26k€27k▲
The notes to these accounts (6 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 3.53
Current ratio from 1.54 to 3.53; short-term debt falls from €125k to €37k.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
20-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 51 days late
2022
25-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 56 days late
2021
31-12
Financial
Highest result since 2018net €7k ▲6.8%
Operating result €8k, net result €7k, both a record.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
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, Anderlecht · 1 establishment unit since 2007
Ground area
222 m²
Building footprint
145 m²
Volume, LiDAR
1,725 m³
Parcel 21305C0334/00C009, Brussels · tallest building 18.7 m, ±5 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Top Gear
since 20072.158.778.550
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21305C0334/00C009 | Brussels | 222 m² | 1 · 145 m² | 18.6 m · 5 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.
Similar companies · same sector, comparable size
AUTO AZAR
BE 0667.872.318
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GARAGE WALTER GEERINCKX
BE 0476.816.267
Ranst · Eq €45,463
NT AUTOMOBILE
BE 0759.466.943
Flémalle · Eq €45,482
RONNY SCHOUTTEET TRUCKS
BE 0890.658.651
Oudenburg · Eq €44,691
BOCARS MECHANICS
BE 0725.724.306
Zulte · Eq €45,858
Of 2,128 companies in sector 46711 we hold annual accounts for 1,127. 722 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-02-2005
Fiscal year end31-12
Activities, NACEBEL 2025
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.