Equity
€121,317 from €442,512 in 2008
Equity fell by 73% in 17 years.
V & V autoschade
Lifetime
20 annual accounts with figures on one time axis, 23 filings since 2003peak €317,791 (2010)
€86,285▼ 0.1%
lowest -€73,205 (2020)
€39,945▼ 4.4%
peak €442,512 (2008)
€121,317▲ 49.1%
€42,407▼ 82.9%
peak 3 FTE (2009)
-not published
Board2 names since 2021
2 directorsLA NOVARA SALVATORE and 1 other
Documentsfilings and deeds
01-06-202660 days before the deadline
2025micro format
Equity from €81,372 to €121,317Debts from €247,487 to €42,407Investments €9,781
Key points
from the 2025 annual accountsTurnover
≈ €210,000 estimated
The micro format states no turnover.
Investments
€9,781 3.9 × depreciation
Green is investment, beige is depreciation. Machinery stands 205.5% higher than in 2024.
Staff
1 employees on 31-12-2025
In 2025, 1 person joined and 1 left.
Liquidity
3.64 was 1.32 in 2024
Short-term debts fell from €247,487 to €42,407.
Filings
23 annual accounts since 2003
The 2019 accounts came 31 days late. The other nine of the last ten were filed on time.
Checked score
98
Excellent
Financially stronger than 86% of micro companies in repair of computers and personal goods (NACE 95)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.5% across 5,130 companies (NACE 95, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.2%▲ +0.1 percentage points vs 03-2026highest value
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.1%▼ -0.1 percentage points vs 05-2026
07-2026: < 0.1%▼ -0.1 percentage points vs 06-2026lowest value
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Sector: Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
lowers risk
Liquidity: current ratio 3.64, cash €125,875
Equity €121,317 (74.1% of total assets)
Founded in 2004
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 95, micro). It does better than 83% of them on solvency, 89% on liquidity, 88% on profitability and 85% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as V & V autoschade has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of V & V autoschade itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 31,368 companies, not a prediction for V & V autoschade. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €11,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.64 (1.32 in 2024), above the usual 1.5. Short-term debt is 25.9% and cash 76.9% of total assets. 25.9% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 days early
2024
59 days early
2023
35 days early
2022
35 days early
2021
59 days early
2020
61 days early
2019
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 40 days before the deadline. In the sector (NACE 95), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 2 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0863392743
Incorporation
published on 19-02-2004 · Gazette deed
First establishment
GARAGE M. BLOCKKEN BVBA, Nijverheidslaan 1564, Oudsbergen
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| V & V autoschade Oudsbergen | €163,724 | €86,285 | 74.1% | - |
| EDARCO BIS Uccle | €155,700 | €81,564 | 39.0% | - |
| CARROSSERIE DETHY Ixelles | €177,297 | €92,409 | 0.8% | - |
| CARROSSERIE MALFAIT Ghent | €145,363 | €83,981 | 43.6% | - |
| CARROSSERIE FENIKS Ternat | €188,291 | €99,972 | 44.9% | - |
| CARROSSERIE MAASLAND Dilsen-Stokkem | €212,272 | €61,370 | 60.5% | - |
| AUTOMATH CAR Genappe | €164,844 | €108,332 | -50.4% | - |
These companies have the same main activity as V & V autoschade: bodywork repair (including spraying and painting) (NACE 95314). They are comparable in size and age: total assets between €145,000 and €212,000, founded between 1999 and 2006.
Official details
Source: KBO- Status
- Active since 09-02-2004Normal situation
- Activity
- Bodywork repair (including spraying and painting)NACE 95314and 1 other
- Joint committee
- 200Auxiliary committee for white-collar workers · annual accounts 2025
- Establishment unit
- 2.135.570.0143660 Oudsbergen, since 09-02-2004
- Financial year end
- 31 December
- Peppol
- Reachable since 03-06-2025
Annual accounts 2025
- €163,724▼ 50.2%
- Employeeson 31-12-2025
- 1=
- Filing
- Filed on 01-06-2026, 60 days before the end of the filing period
Insights on V & V autoschade
V & V autoschade files the micro format. That format states no turnover. The gross margin fell from €145,919 in 2006 to €86,285 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about V & V autoschade
- What is the company number of V & V autoschade?
- The company number of V & V autoschade is 0863.392.743. The VAT number is the same number with BE in front: BE 0863.392.743.
- Where is V & V autoschade based?
- The registered office is at Nijverheidslaan 1564, 3660 Oudsbergen.Company details
- What does V & V autoschade do?
- According to the KBO register, the main activity is bodywork repair (including spraying and painting) (NACE 95314).
- What is the legal form of V & V autoschade?
- V & V autoschade is a private limited company (BV).
- When was V & V autoschade founded?
- V & V autoschade was founded on 09-02-2004.
- Is V & V autoschade still active?
- Yes, V & V autoschade is an active enterprise in the KBO register.
- How many employees does V & V autoschade have?
- V & V autoschade had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does V & V autoschade fall under?
- In its 2025 annual accounts, V & V autoschade states joint committee 200 (Auxiliary committee for white-collar workers).
- What is the turnover of V & V autoschade?
- The turnover in financial year 2025 is ≈ €210,000. This figure is estimated from the gross margin of €86,285 and 33 comparable companies (NACE 953). It probably lies between €160,000 and €280,000.
- Is V & V autoschade profitable?
- In financial year 2025, V & V autoschade made a profit of €39,945.
- Where can I find the annual accounts of V & V autoschade?
- V & V autoschade filed 23 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of V & V autoschade due?
- V & V autoschade must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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