AUTO'S ELSEN
ActiveThe annual accounts of AUTO'S ELSEN for fiscal year 2025 show a net loss of 56% of the equity at the start of that year. The 2025 annual accounts show equity of €19k and a net result of €-24k. Equity is growing by ~25.8% per year across the filed fiscal years. Its solvency ranks better than 27% of 18237 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability8▼-61
Solvency32▼-19
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.64 against 1.32 in 2024; short-term debt: 93.4% and cash: 31.2% of total assets), and 93.4% 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
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 →
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 · 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
6.6%
Return on assets
-8.3%
Age of the figures
9 mo
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
56 d early
2023
48 d early
2022
54 d early
2021
13 d early
2020
39 d early
2019
36 d early
← 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, micro schema
Equity
€19k▼ 55.9%
2024 · €42k
2018: €7k
2019: €14k
2020: €18k
2021: €17k
2022: €42k
2023: €42k
2024: €42k
2018 → 2025
Total assets
€285k▲ 73.1%
2024 · €164k
2018: €61k
2019: €132k
2020: €129k
2021: €124k
2022: €187k
2023: €160k
2024: €164k
2018 → 2025
Net result
€-24k
2024 · €154
2018: €-17k
2019: €7k
2020: €4k
2021: €-2k
2022: €25k
2023: €386
2024: €154
2018 → 2025
Working capital
€-95k
2024 · €39k
2018: €3k
2019: €11k
2020: €14k
2021: €8k
2022: €36k
2023: €37k
2024: €39k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€42k▲ 153%€42k▲ 0.9%€42k▲ 0.4%€19k▼ 55.9%
Operating result€-1k-€28k€734▼ 97.3%€298▼ 59.5%€-24k
Net result€-2k-€25k€386▼ 98.5%€154▼ 60.1%€-24k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €24k after €298 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €285k
Fixed assets
€113k▲ 3,331%
Current assets
€171k▲ 6.3%
Equity and liabilities €285k
Equity
€19k▼ 55.9%
Debt
€266k▲ 118%
The debt ratio rises from 74.2% to 93.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-20k▼
2024 · €2k
Cash flow
€-20k▼
2024 · €2k
Solvency
6.6%▼
2024 · 25.8%
Current ratio
0.64▼
2024 · 1.32
Quick ratio
0.39▼
2024 · 0.81
Debt / equity
14.22▲
2024 · 2.88
ROE
-126.7%▼
2024 · 0.4%
ROA
-8.3%▼
2024 · 0.1%
Interest coverage
-125.72▼
2024 · 13.50
Debt
€266k▲
2024 · €122k
Debt ≤ 1 year
€266k▲
2024 · €122k
Income taxes
€34
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€164k€285k▲
Fixed assets21/28€3k€113k▲
Tangible fixed assets22/27€3k€113k▲
Plant, machinery and equipment23€3k€8k▲
Furniture and vehicles24-€105k
Current assets29/58€161k€171k▲
Stocks and contracts in progress3€63k€66k▲
Stocks30/36€63k€66k▲
Amounts receivable within one year40/41€7k€16k▲
Trade receivables40€2k€2k▲
Other amounts receivable41€5k€14k▲
Cash at bank and in hand54/58€92k€89k▼
Equity and liabilities
Total equity and liabilities10/49€164k€285k▲
Equity10/15€42k€19k▼
Contributions10/11€20k€20k=
Reserves13€22k€22k=
Distributable reserves133€22k€22k=
Profit (loss) carried forward14-€-24k
Amounts payable17/49€122k€266k▲
Amounts payable within one year42/48€122k€266k▲
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€3k-
Taxes450/3€2k-
Remuneration and social security454/9€1k-
Other amounts payable47/48€116k€263k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Gross operating margin9900€2k€-20k▼
Operating profit (loss)9901€298€-24k▼
Financial income75/76B-€88
Recurring financial income75-€88
Financial charges65/66B€144€158▲
Recurring financial charges65€144€158▲
Profit (loss) for the period before taxes9903€154€-24k▼
Income taxes67/77-€34
Profit (loss) for the period9904€154€-24k▼
Profit (loss) for the period to be appropriated9905€154€-24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€154€-24k▼
Transfer to equity691/2€154-
To other reserves6921€154-
The notes to these accounts (7 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-24k ▼15486%
Net result drops to €-24k, the lowest in the series.
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
04-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Leuven · 1 establishment unit since 2003
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.
Aarschotsesteenweg 6263012 LeuvenGround area
2,402 m²
Building footprint
131 m²
Volume, LiDAR
1,077 m³
Parcel 24126B0288/00A002, Flanders · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
AUTO'S KOEN
since 20032.131.555.994
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24126B0288/00A002 | Flanders | 2,402 m² | 1 · 131 m² | 11.3 m · 3 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
BELTRACOM
BE 0427.598.170
Ukkel · Eq €19k
GARAGECENTER GENK
BE 0437.306.088
Genk · Eq €19k
CLRBT
BE 0769.677.281
Tournai · Eq €19k
CASEAU
BE 0439.184.623
Bastogne · Eq €19k
Leurquin Mobil Services
BE 1003.982.860
Walhain · Eq €19k
Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 2,631 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-04-2003
Fiscal year end31-12
Trade name NL
Auto's Koen
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
46711Wholesale of cars and light vans (up to 3.5 tonnes)
45310
47820Retail sale of motor vehicle parts and accessories
46720Wholesale of motor vehicle parts and accessories
50101
50301
50302
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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.