VPAuto Belgium

Active

Private limited companyfounded 20206 yrs activeRue Alfred Nobel /, 7180 Seneffe, BelgiumKBO/BCE: BE 0750.590.849

The computed 12-month bankruptcy probability of VPAuto Belgium is 3.4% (moderate). The 2024 annual accounts show negative equity (€-359k) and a net result of €-185k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 15869 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

18 / 100

Critical

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability0▼-7

Solvency0▼-17

Growth32=

Track record100

Bankruptcy probability, 12 months

3.4% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.39 against 0.91 in 2023; short-term debt: 238.6% and cash: 9.3% of total assets), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

+raises risk○neutral

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 2024

Solvency, return and age of the figures

Solvency

-138.6%

Return on assets

-71.4%

Age of the figures

21 mo

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Negative equity

The 2024 annual accounts show negative equity and a net loss.

NBB · annual accounts 2024

Equity per financial year

21222324

2021 to 2024 · latest year €-359k

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-06-2025, 35 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2024

35 d early

2023

1 d early

2022

43 d early

2021

4 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€-359k▼ 106%

2023 · €-174k

2021: €31k 2022: €34k 2023: €-174k

2021 → 2024

Total assets

€259k▼ 88.0%

2023 · €2.15M

2021: €1.12M 2022: €1.52M 2023: €2.15M

2021 → 2024

Net result

€-185k▲ 11.1%

2023 · €-208k

2021: €6k 2022: €3k 2023: €-208k

2021 → 2024

Working capital

€-378k▼ 89.7%

2023 · €-199k

2021: €31k 2022: €8k 2023: €-199k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Equity€31k-€34k▲ 8.4%€-174k€-359k▼ 106%

Operating result€11k-€8k▼ 28.1%€-203k€-180k▲ 11.4%

Net result€6k-€3k▼ 58.6%€-208k€-185k▲ 11.1%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €180k in 2024 against €203k in 2023; the loss shrinks.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €259k

92.7%

Fixed assets €19k▼ 24.8%

Current assets €240k▼ 88.7%

Key figures and ratios

2024 value · change against 2023

EBITDA

€-174k▲

2023 · €-199k

Cash flow

€-179k▲

2023 · €-204k

Solvency

-138.6%▼

2023 · -8.1%

Current ratio

0.39▼

2023 · 0.91

Quick ratio

0.39▼

2023 · 0.91

Debt / equity

-1.72▲

2023 · -13.37

ROA

-71.4%▼

2023 · -9.7%

Interest coverage

-35.28▲

2023 · -42.92

Debt

€618k▼

2023 · €2.33M

Debt ≤ 1 year

€618k▼

2023 · €2.33M

Income taxes

€-1▼

2023 · €24

Staff costs

€0▼

2023 · €62k

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€2.15M€259k▼

Fixed assets21/28€25k€19k▼

Tangible fixed assets22/27€25k€19k▼

Plant, machinery and equipment23€24k€18k▼

Furniture and vehicles24€1k€758▼

Current assets29/58€2.13M€240k▼

Amounts receivable within one year40/41€1.91M€216k▼

Trade receivables40€1.84M€208k▼

Other amounts receivable41€72k€8k▼

Cash at bank and in hand54/58€219k€24k▼

Deferred charges and accrued income490/1€651-

Equity and liabilities

Total equity and liabilities10/49€2.15M€259k▼

Equity10/15€-174k€-359k▼

Contributions10/11€25k€25k=

Outside capital11€25k-

Other1109/19€25k-

Profit (loss) carried forward14€-199k€-384k▼

Amounts payable17/49€2.33M€618k▼

Amounts payable within one year42/48€2.33M€618k▼

Trade debts44€1.26M€174k▼

Suppliers440/4€1.26M€174k▼

Advances received on contracts in progress46€143k€44k▼

Taxes, remuneration and social security45€49€0▼

Taxes450/3€49€0▼

Other amounts payable47/48€920k€400k▼

Income statement Code20232024

Non-recurring operating income76A€8k-

Remuneration, social security and pensions62€62k€0▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲

Other operating charges640/8€97k€29k▼

Non-recurring operating charges66A€160-

Gross operating margin9900€-40k€-145k▼

Operating profit (loss)9901€-203k€-180k▲

Financial income75/76B€3€6▲

Recurring financial income75€3€6▲

Financial charges65/66B€5k€5k▲

Recurring financial charges65€5k€5k▲

Profit (loss) for the period before taxes9903€-208k€-185k▲

Income taxes67/77€24€-1▼

Profit (loss) for the period9904€-208k€-185k▲

Profit (loss) for the period to be appropriated9905€-208k€-185k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-199k€-384k▼

Profit (loss) brought forward from the previous period14P€9k€-199k▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 5Financial 1Filings 4

2025

26-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

29-04

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

30-09

Financial Weakest financial yearnet €-208k ▼7991%

Net result drops to €-208k, the lowest in the series; recovery starts the following year.

18-03

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

26-04

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Seneffe · 1 establishment unit since 2020

establishment approximate The establishment unit on the map

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.

Rue Alfred Nobel /7180 Seneffe

Ground area

1.2 ha

Parcel 52063F0229/00R000, Wallonia. Linked by address, not a title deed.

1 establishment unit

VPAuto Belgium

Rue Alfred Nobel /, 7180 SeneffeAgents in non-specialised wholesale trade

since 20202.305.370.690

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
52063F0229/00R000	Wallonia	1.2 ha	-	-

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

Of 2,131 companies in sector 46711 we hold annual accounts for 1,126. 677 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded13-07-2020

Fiscal year end31-12

Activities, NACEBEL

46711Wholesale of cars and light vans (up to 3.5 tonnes)

45112

46180Agents specialised in the wholesale of other particular products

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.