Autobedrijf Naessens
ActiveAutobedrijf Naessens has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €463k and a net result of €84k. Equity is growing by ~37.9% per year across the filed fiscal years. Its solvency ranks better than 38% of 10310 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▲+23
Solvency51▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.21 against 1.24 in 2024; short-term debt: 50.7% and cash: 0.6% of total assets), and 73.6% 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 · 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
26.4%
Return on assets
4.8%
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
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
73 d early
2023
20 d late
2022
13 d early
2021
103 d early
2020
142 d early
2019
120 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€463k▲ 22.3%
2024 · €379k
2018: €-83k
2019: €-41k
2020: €11k
2021: €136k
2022: €308k
2023: €367k
2024: €379k
2018 → 2025
Total assets
€1.75M▲ 2.8%
2024 · €1.71M
2018: €859k
2019: €987k
2020: €1.04M
2021: €1.50M
2022: €1.63M
2023: €1.66M
2024: €1.71M
2018 → 2025
Net result
€84k▲ 618%
2024 · €12k
2018: €-160k
2019: €12k
2020: €52k
2021: €125k
2022: €172k
2023: €59k
2024: €12k
2018 → 2025
Working capital
€183k▼ 6.0%
2024 · €194k
2018: €-262k
2019: €-39k
2020: €-172k
2021: €145k
2022: €165k
2023: €309k
2024: €194k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€136k-€308k▲ 127%€367k▲ 19.2%€379k▲ 3.2%€463k▲ 22.3%
Operating result€163k-€243k▲ 49.1%€115k▼ 52.6%€61k▼ 47.4%€155k▲ 157%
Net result€125k-€172k▲ 38.4%€59k▼ 65.7%€12k▼ 80.1%€84k▲ 618%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 157% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.75M
Fixed assets
€682k▼ 3.8%
Current assets
€1.07M▲ 7.4%
Equity and liabilities €1.75M
Equity
€463k▲ 22.3%
Debt
€1.29M▼ 2.8%
The debt ratio falls from 77.8% to 73.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€193k▲
2024 · €124k
Cash flow
€122k▲
2024 · €75k
Solvency
26.4%▲
2024 · 22.2%
Current ratio
1.21▼
2024 · 1.24
Quick ratio
0.65▲
2024 · 0.26
Debt / equity
2.79▼
2024 · 3.50
ROE
18.2%▲
2024 · 3.1%
ROA
4.8%▲
2024 · 0.7%
Interest coverage
4.63▲
2024 · 2.48
Debt
€1.29M▼
2024 · €1.33M
Debt ≤ 1 year
€890k▲
2024 · €804k
Debt > 1 year
€401k▼
2024 · €524k
Income taxes
€29k▲
2024 · €4k
Staff costs
€112k▲
2024 · €107k
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€1.71M€1.75M▲
Fixed assets21/28€709k€682k▼
Intangible fixed assets21€7k€4k▼
Tangible fixed assets22/27€702k€678k▼
Land and buildings22€657k€633k▼
Plant, machinery and equipment23€34k€37k▲
Furniture and vehicles24€11k€8k▼
Current assets29/58€998k€1.07M▲
Stocks and contracts in progress3€791k€490k▼
Stocks30/36€791k€490k▼
Amounts receivable within one year40/41€200k€572k▲
Trade receivables40€58k€424k▲
Other amounts receivable41€142k€148k▲
Cash at bank and in hand54/58€2k€11k▲
Deferred charges and accrued income490/1€6k-
Equity and liabilities
Total equity and liabilities10/49€1.71M€1.75M▲
Equity10/15€379k€463k▲
Contributions10/11€100k€100k=
Reserves13€279k€364k▲
Tax-exempt reserves132€29k€29k=
Distributable reserves133€250k€335k▲
Amounts payable17/49€1.33M€1.29M▼
Amounts payable after more than one year17€524k€401k▼
Financial debts170/4€524k€401k▼
Amounts payable within one year42/48€804k€890k▲
Current portion of amounts payable after more than one year42€129k€132k▲
Financial debts43€508k€508k=
Credit institutions430/8€508k€508k=
Trade debts44€57k€220k▲
Suppliers440/4€57k€220k▲
Advances received on contracts in progress46€59k-
Taxes, remuneration and social security45€27k€30k▲
Taxes450/3€15k€13k▼
Remuneration and social security454/9€12k€17k▲
Other amounts payable47/48€24k€142▼
Income statement
Code20242025
Remuneration, social security and pensions62€107k€112k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€64k€38k▼
Other operating charges640/8€22k€11k▼
Gross operating margin9900€254k€316k▲
Operating profit (loss)9901€61k€155k▲
Financial income75/76B€5k€58▼
Recurring financial income75€5k€58▼
Financial charges65/66B€50k€42k▼
Recurring financial charges65€50k€42k▼
Profit (loss) for the period before taxes9903€15k€114k▲
Income taxes67/77€4k€29k▲
Profit (loss) for the period9904€12k€84k▲
Profit (loss) for the period to be appropriated9905€12k€84k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€84k▲
Transfer to equity691/2€12k€84k▲
To other reserves6921€12k€84k▲
Social balance
Average headcount (FTE)90872.02.0=
The notes to these accounts (18 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
19-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 20 days late
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €172k ▲38.4%
Operating result €243k, net result €172k, both a record.
31-12
Financial
Equity above €200kEq €308k ▲127%
4 profitable years in a row build equity to €308k.
19-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €100kEq €136k ▲1114%
3 profitable years in a row build equity to €136k.
11-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
02-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
21-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-04
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
7 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, Kortrijk · 1 establishment unit since 2011
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.
Meensesteenweg(Kor) 908500 KortrijkGround area
1,122 m²
Building footprint
559 m²
Volume, LiDAR
60 m³
2 parcels, Flanders · tallest building 8.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Autobedrijf Naessens
since 20112.209.154.214
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34352A0047/00W000 | Flanders | 1,104 m² | 1 · 542 m² | 8.5 m |
| 34007B0205/00M004 | Flanders | 17 m² | 1 · 17 m² | 3.0 m · 1 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 · 1 entry · 195 EUR awarded · 195 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 195 EUR | 195 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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LABRIMMO
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Of 10,674 companies in sector 47811 we hold annual accounts for 5,223. 3,487 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-10-2011
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.