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Waterloo Automobiles

Active
Private limited companyfounded 2021active for 5 yearsChaussée de Bruxelles 482, 1410 Waterloo, BelgiumKBO/BCE: BE 0772.725.061
Summary

Waterloo Automobiles has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42,702 and a net result of €7,342. Equity has been shrinking by about 20% per year since 2022. Its solvency ranks better than 32% of 22,773 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Overview

Official details

Source: KBO
Status
Active since 20-08-2021 Normal situation
Activity
Retail sale of cars and light vans (up to 3.5 tonnes) NACE 47811
Joint committee
112 Paritair Comité voor het garagebedrijf · annual accounts 31-08-2023
Establishment unit
2.322.681.925 1410 Waterloo, since 20-08-2021
Financial year end
31 August
Peppol
Reachable since 03-12-2025

Board and ownership

Board
  • Cheaitani MohamadDirector

Financial position

66 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.0%
Annual accounts to 31-08-2025
Gross margin
€14,940
Turnover
≈ €230,000
estimated
Profit
€7,342
Equity
€42,702
▲ 20.8%
Total assets
€345,307
▲ 34.4%
Staff
≈ 0 FTE
estimated
Score breakdownraises riskFounded in 2021Sector: Retail trade (NACE 47)Equity €42,702 (12.4% of total assets)lowers riskSize: total assets €345,307Show the evidence

Checked score

Score 2025
66 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 42% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Weak
Solvency 37-2
equity 12.4% of total assets
Liquidity 10+7
short-term debt 87.6% · cash 6.7%
Profitability 71+69
return on assets 2.1%
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,272 companies, NACE 47, micro)
Last 24 months 12-2024: 2.0% 01-2025: 2.0%● unchanged vs 12-2024 02-2025: 2.0%● unchanged vs 01-2025 03-2025: 2.1%▲ +0.1 percentage points vs 02-2025 04-2025: 2.7%▲ +0.6 percentage points vs 03-2025 05-2025: 2.7%● unchanged vs 04-2025 06-2025: 2.7%● unchanged vs 05-2025 07-2025: 2.7%● unchanged vs 06-2025 08-2025: 2.6%▼ -0.1 percentage points vs 07-2025 09-2025: 2.6%● unchanged vs 08-2025 10-2025: 2.6%● unchanged vs 09-2025 11-2025: 2.6%● unchanged vs 10-2025 12-2025: 2.6%● unchanged vs 11-2025 01-2026: 2.7%▲ +0.1 percentage points vs 12-2025 02-2026: 2.8%▲ +0.1 percentage points vs 01-2026highest value 03-2026: 2.8%● unchanged vs 02-2026highest value 04-2026: 1.0%▼ -1.8 percentage points vs 03-2026 05-2026: 1.0%● unchanged vs 04-2026 06-2026: 1.0%● unchanged vs 05-2026 07-2026: 1.0%● unchanged vs 06-2026 08-2026: 1.0%● unchanged vs 07-2026 09-2026: 1.0%● unchanged vs 08-2026lowest value 10-2026: 1.0%● unchanged vs 09-2026 11-2026: 1.0%● unchanged vs 10-2026
Credit of up to €2,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.08 (1.08 in 2024), below the usual 1.5. Short-term debt is 87.6% and cash 6.7% of total assets. 87.6% of the assets are financed with debt and provisions.
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 47, micro). It does better than 29% of them on solvency, 11% on liquidity, 54% on profitability and 73% on growth.

The bankruptcy probability was computed on 02-11-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €345,307
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Founded in 2021
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · Equity €42,702 (12.4% of total assets)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 30-03-2026, 1 day ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
1 day early
2024
16 days late
2023
2 days early
2022
on the day
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 4 accounts on average 3 days after the deadline. In the sector (NACE 47), 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 financial year that closed on 31-08-2026 is due by 31-03-2027. Nothing is late today. The company usually files around 31 March (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
31-08-2026 year end03-11-2026 today31-03-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Recent changes

  1. · Gazette deed Incorporation
All 7 events

Comparable companies

These companies have the same main activity as Waterloo Automobiles: retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811). They are comparable in size and age: total assets between €261,000 and €440,000, founded between 2020 and 2022.

CompanyTotal assetsGross margin
Waterloo Automobiles Waterloo€345,307€14,940
AutoHunt Ingelmunster€348,910€16,479
SELECTED CARS BV Zaventem€287,676€13,813
KS MOTOR Charleroi€307,880€12,670
SG Automobile Juprelle€300,665€20,785
DDWheels Lessines€440,163€15,370
K.B Cars Theux€260,640€14,679
Full comparison

Key facts about Waterloo Automobiles

What is the company number of Waterloo Automobiles?
The company number of Waterloo Automobiles is 0772.725.061. The VAT number is the same number with BE in front: BE 0772.725.061.
Where is Waterloo Automobiles based?
The registered office is at Chaussée de Bruxelles 482, 1410 Waterloo.Company details
What does Waterloo Automobiles do?
According to the KBO register, the main activity is retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811).
What is the legal form of Waterloo Automobiles?
The legal form of Waterloo Automobiles is Private limited company (BV).
When was Waterloo Automobiles founded?
Waterloo Automobiles was founded on 20-08-2021.
Is Waterloo Automobiles still active?
Yes, Waterloo Automobiles is an active enterprise in the KBO register.
How many employees does Waterloo Automobiles have?
Waterloo Automobiles had an average of 0.7 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
Which joint committee does Waterloo Automobiles fall under?
In its 31-08-2023 annual accounts, Waterloo Automobiles states joint committee 112 (Paritair Comité voor het garagebedrijf).
What is the turnover of Waterloo Automobiles?
The turnover in financial year 2025 is ≈ €230,000. This figure is estimated from the gross margin of €14,940 and 73 comparable companies (NACE 47811). It probably lies between €110,000 and €680,000. It is a rough estimate. In financial year 2022 turnover was €1.0m.
Is Waterloo Automobiles profitable?
In financial year 2025, Waterloo Automobiles made a profit of €7,342.
Where can I find the annual accounts of Waterloo Automobiles?
Waterloo Automobiles filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Waterloo Automobiles due?
Waterloo Automobiles must file the annual accounts for financial year 2026 by 31-03-2027.Timeline

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