AUTO ELEKTRO PEETERS
ActiveAUTO ELEKTRO PEETERS has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7.54M and a net result of €470k. Equity is growing by ~11.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 4149 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▼-1
Solvency100=
Growth69▲+1
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €600k at 30 days acceptable
Liquidity ample (current ratio 13.12 against 7.2 in 2024; short-term debt: 7.3% and cash: 22% of total assets), and 9.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
90.7%
Return on assets
5.6%
Age of the figures
9 mo
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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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
30 d late
2024
31 d late
2023
31 d late
2022
31 d late
2021
1 d early
2020
20 d late
2019
31 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€17.23M▲ 8.7%
2024 · €15.86M
2018: €11.76M
2019: €12.66M
2020: €13.87M
2021: €17.84M
2022: €20.42M
2023: €16.71M
2024: €15.86M
2018 → 2025
EBIT margin
3.7%▼ 0.4pp
2024 · 4.0%
2018: 3.5%
2019: 4.1%
2020: 4.2%
2021: 5.4%
2022: 5.6%
2023: 4.8%
2024: 4.0%
2018 → 2025
Net result
€470k▼ 2.3%
2024 · €481k
2018: €311k
2019: €343k
2020: €438k
2021: €708k
2022: €853k
2023: €601k
2024: €481k
2018 → 2025
Working capital
€7.33M▲ 7.0%
2024 · €6.85M
2018: €3.06M
2019: €3.48M
2020: €3.97M
2021: €4.72M
2022: €5.65M
2023: €6.30M
2024: €6.85M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€17.84M-€20.42M▲ 14.5%€16.71M▼ 18.2%€15.86M▼ 5.1%€17.23M▲ 8.7%
Equity€5.14M-€5.99M▲ 16.6%€6.59M▲ 10.0%€7.07M▲ 7.3%€7.54M▲ 6.6%
Operating result€956k-€1.14M▲ 19.6%€803k▼ 29.8%€639k▼ 20.4%€629k▼ 1.5%
Net result€708k-€853k▲ 20.5%€601k▼ 29.5%€481k▼ 20.0%€470k▼ 2.3%
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 2% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.32M
Fixed assets
€388k▼ 10.3%
Current assets
€7.93M▼ 0.3%
Equity and liabilities €8.32M
Equity
€7.54M▲ 6.6%
Provisions
€27k=
Debt
€750k▼ 41.7%
The debt ratio falls from 15.3% to 9.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€717k▼
2024 · €741k
Cash flow
€557k▼
2024 · €583k
Solvency
90.7%▲
2024 · 84.3%
Current ratio
13.12▲
2024 · 7.20
Quick ratio
5.09▲
2024 · 3.40
Debt / equity
0.10▼
2024 · 0.18
ROE
6.2%▼
2024 · 6.8%
ROA
5.6%▼
2024 · 5.7%
Interest coverage
127.44▼
2024 · 188.60
Debt
€750k▼
2024 · €1.29M
Debt ≤ 1 year
€605k▼
2024 · €1.11M
Debt > 1 year
€146k▼
2024 · €174k
Income taxes
€161k▼
2024 · €163k
Staff costs
€553k▲
2024 · €542k
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€8.39M€8.32M▼
Fixed assets21/28€433k€388k▼
Tangible fixed assets22/27€432k€387k▼
Land and buildings22€384k€330k▼
Plant, machinery and equipment23€33k€35k▲
Furniture and vehicles24€15k€23k▲
Financial fixed assets28€950€950=
Other financial fixed assets284/8€950€950=
Amounts receivable and cash guarantees285/8€950€950=
Current assets29/58€7.95M€7.93M▼
Stocks and contracts in progress3€4.20M€4.86M▲
Stocks30/36€4.20M€4.86M▲
Goods purchased for resale34€4.20M€4.86M▲
Amounts receivable within one year40/41€811k€1.25M▲
Trade receivables40€763k€1.17M▲
Other amounts receivable41€48k€73k▲
Cash at bank and in hand54/58€2.94M€1.83M▼
Equity and liabilities
Total equity and liabilities10/49€8.39M€8.32M▼
Equity10/15€7.07M€7.54M▲
Contributions10/11€20k€20k=
Reserves13€7.05M€7.52M▲
Distributable reserves133€7.05M€7.52M▲
Provisions and deferred taxes16€27k€27k=
Provisions for liabilities and charges160/5€27k€27k=
Pensions and similar obligations160€27k€27k=
Amounts payable17/49€1.29M€750k▼
Amounts payable after more than one year17€174k€146k▼
Financial debts170/4€165k€137k▼
Credit institutions173€165k€137k▼
Other amounts payable178/9€9k€9k=
Amounts payable within one year42/48€1.11M€605k▼
Current portion of amounts payable after more than one year42€28k€28k▲
Trade debts44€228k€188k▼
Suppliers440/4€228k€188k▼
Advances received on contracts in progress46€3k€3k=
Taxes, remuneration and social security45€216k€356k▲
Taxes450/3€172k€305k▲
Remuneration and social security454/9€44k€51k▲
Other amounts payable47/48€630k€29k▼
Accrued charges and deferred income492/3€8k-
Income statement
Code20242025
Operating income70/76A€15.86M€17.23M▲
Turnover70€15.86M€17.23M▲
Operating charges60/66A€15.22M€16.60M▲
Goods for resale, raw materials and consumables60€13.65M€14.83M▲
Purchases600/8€13.78M€15.48M▲
Change in stocks: decrease (increase)609€-131k€-648k▼
Services and other goods61€906k€1.14M▲
Remuneration, social security and pensions62€542k€553k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€102k€87k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€19k€-9k▼
Other operating charges640/8€2k€2k▲
Operating profit (loss)9901€639k€629k▼
Financial income75/76B€8k€7k▼
Recurring financial income75€8k€7k▼
Other financial income752/9€8k€7k▼
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Debt charges650€4k€6k▲
Profit (loss) for the period before taxes9903€644k€630k▼
Income taxes67/77€163k€161k▼
Taxes670/3€163k€161k▼
Profit (loss) for the period9904€481k€470k▼
Profit (loss) for the period to be appropriated9905€481k€470k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7.05M€7.52M▲
Profit (loss) brought forward from the previous period14P€6.57M€7.05M▲
Transfer to equity691/2€7.05M€7.52M▲
To other reserves6921€7.05M€7.52M▲
Social balance
Average headcount (FTE)90879.09.0=
The notes to these accounts (40 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 30 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 31 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 31 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €853k ▲20.5%
Operating result €1.14M, net result €853k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Equity above €5MEq €5.14M ▲16%
4 profitable years in a row build equity to €5.14M.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 20 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 31 days late
2018
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 60 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
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, Malle · 1 establishment unit since 1998
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.
Antwerpsesteenweg 1352390 MalleGround area
1,350 m²
Building footprint
564 m²
Volume, LiDAR
3,431 m³
2 parcels, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Antwerpsesteenweg 131, 2390 Malle
since 19982.088.099.006
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11032D0013/02X000 | Flanders | 734 m² | 1 · 427 m² | 10.8 m · 2 fl. |
| 11032D0006/06D000 | Flanders | 616 m² | 1 · 137 m² | 8.8 m · 2 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 1,571 EUR awarded · 1,396 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 321 EUR | 146 EUR |
| 2023 | 1 | 750 EUR | 750 EUR |
| 2022 | 1 | 500 EUR | 500 EUR |
Schemes
Stagebonus (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
8 endedSimilar companies · same sector, comparable size
AUTOHANDEL PATRICK
BE 0450.257.568
Erpe-Mere · Eq €7.52M
DEJONCKHEERE
BE 0420.313.173
Roeselare · Eq €7.48M
AB - LEASE
BE 0425.917.892
Meise · Eq €7.63M
ANDRE AUTOMOTIVE
BE 0477.562.870
Asse · Eq €7.45M
LOUYET AUTOMOTIVE NORTH
BE 0479.004.608
Sint-Pieters-Leeuw · Eq €7.45M
Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 1,162 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-08-1998
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
45310
46720Wholesale of motor vehicle parts and accessories
50301
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50103
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.