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Auto Unique

Active
Private limited company·Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)· 2 yrs active
Terhulpensesteenweg 272 ·3090 Overijse, Belgium
KBO/BCE: BE 1001.703.954
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Age2 yrs
Real estate1 parcel · 1,062 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Auto Unique is 2.1% (moderate). The 2024 annual accounts show equity of €36k and a net result of €35k. Its solvency ranks better than 44% of 6698 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-08-2025, 22 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 22-08-2025 22 d late 2025-00392035

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.1% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

Turnover€1.39M
EBIT margin3.4%
Net result€35k
Working capital€-15k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 22-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 15.3% 20.4%
better than 44% of 6698 sector peers
Net result €35k €4k
better than 84% of 6678 sector peers
Equity €36k €16k
better than 66% of 6712 sector peers
Gross operating margin €62k €24k
better than 71% of 6657 sector peers
Total assets €238k €94k
better than 75% of 6702 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue€1.39M
EBITDA€58k
Net profit€35k
Cash flow€46k
Staff costs-
Income taxes€12k
Dividends-
Total assets€238k
Equity€36k
Debt€202k
of which ≤ 1y€202k
of which > 1y-
Working capital€-15k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.93
Quick ratio0.11
Working capital ratio-6.3%
Solvency15.3%
Debt / equity5.55
Long-term debt ratio-
Interest coverage141.20
Gross margin4.5%
Net margin2.5%
ROA14.5%
ROE95.1%
EBITDA margin4.2%
Days sales outstanding0d
Days payable outstanding0d
Inventory turnover8.05
Days inventory (DSI)45d
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€238k
Fixed assets 21/28€51k
Intangible fixed assets 21€46k
Tangible fixed assets 22/27€6k
Current assets 29/58€187k
Stocks & contracts in progress 3€164k
Amounts receivable within one year 40/41€520
Cash & bank 54/58€22k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€238k
Equity 10/15€36k
Contributions / capital 10/11€2k
Accumulated profits (losses) 14€35k
Amounts payable 17/49€202k
Amounts payable within one year 42/48€202k
Trade debts payable within one year 44€1k
Income statement
Turnover 70€1.39M
Gross operating margin 9900€62k
Operating result 9901€47k
Financial charges 65€411
Result before taxes 9903€46k
Income taxes 67/77€12k
Net result for the period 9904€35k
Result to be appropriated 9905€35k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
45 / 100 Fair
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Terhulpensesteenweg 2723090 Overijse

Establishment units

1 location
Auto Unique
Terhulpensesteenweg 272, 3090 OverijseDetailhandel in auto's en lichte bestelwagens (= 3,5 ton)
since 20232.352.116.178
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,062 m²
Buildings1
Building footprint138 m²
Volume (LiDAR)787 m³
Tallest building9.6 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23546L0377/00H000 Flanders 1,062 m² 1 · 138 m² 9.6 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health45Profitability53Solvency20Growth-Stability67
46 / 100

Mixed profile: strong on stability, weaker on solvency.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 45
Profitability 53
Solvency 20
Growth -
Stability 67

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AI due-diligence brief

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Credit advice

verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 1,103 of the 10,656 companies in this sector. 829 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)45113Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811Detailhandel in andere motorvoertuigen (> 3,5 ton)45193Carrosserieherstelling45204Detailhandel in andere motorvoertuigen (> 3,5 ton)47812Carrosserieherstelling (inclusief spuiten en verven)95314
Primary activity highlighted.
Names & trade names
Legal nameNL Auto Unique
Registered office
Terhulpensesteenweg 272
3090 Overijse, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.