AUTOHANDEL PATRICK
ActiveAUTOHANDEL PATRICK has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7.52M and a net result of €397k. Equity is growing by ~10.5% per year across the filed fiscal years. Its solvency ranks better than 93% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-4
Solvency100=
Growth78=
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 4.65 against 3.32 in 2024; short-term debt: 13.5% and cash: 8.3% of total assets), and 13.6% 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
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
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
86.4%
Return on assets
4.6%
Age of the figures
9 mo
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
27 d late
2023
30 d late
2022
64 d late
2021
31 d late
2020
40 d late
2019
28 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, abbreviated schema
Equity
€7.52M▲ 5.6%
2024 · €7.13M
2018: €3.92M
2019: €4.18M
2020: €4.64M
2021: €5.11M
2022: €5.69M
2023: €6.45M
2024: €7.13M
2018 → 2025
Total assets
€8.71M▼ 0.9%
2024 · €8.78M
2018: €5.61M
2019: €5.81M
2020: €5.77M
2021: €5.74M
2022: €6.18M
2023: €8.27M
2024: €8.78M
2018 → 2025
Net result
€397k▼ 41.0%
2024 · €672k
2018: €261k
2019: €260k
2020: €454k
2021: €469k
2022: €581k
2023: €766k
2024: €672k
2018 → 2025
Working capital
€4.30M▲ 12.7%
2024 · €3.81M
2018: €1.94M
2019: €2.12M
2020: €2.40M
2021: €2.89M
2022: €3.11M
2023: €3.14M
2024: €3.81M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5.11M-€5.69M▲ 11.4%€6.45M▲ 13.5%€7.13M▲ 10.4%€7.52M▲ 5.6%
Operating result€610k-€757k▲ 24.1%€1.01M▲ 33.0%€984k▼ 2.2%€584k▼ 40.6%
Net result€469k-€581k▲ 23.8%€766k▲ 31.9%€672k▼ 12.3%€397k▼ 41.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 41% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.71M
Fixed assets
€3.23M▼ 2.6%
Current assets
€5.47M▲ 0.2%
Equity and liabilities €8.71M
Equity
€7.52M▲ 5.6%
Provisions
€7k▼ 16.9%
Debt
€1.18M▼ 28.6%
The debt ratio falls from 18.8% to 13.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€757k▼
2024 · €1.16M
Cash flow
€570k▼
2024 · €848k
Solvency
86.4%▲
2024 · 81.1%
Current ratio
4.65▲
2024 · 3.32
Quick ratio
0.82▲
2024 · 0.65
Debt / equity
0.16▼
2024 · 0.23
ROE
5.3%▼
2024 · 9.4%
ROA
4.6%▼
2024 · 7.6%
Interest coverage
543.57▲
2024 · 361.24
Debt
€1.18M▼
2024 · €1.65M
Debt ≤ 1 year
€1.18M▼
2024 · €1.65M
Income taxes
€189k▼
2024 · €312k
Staff costs
€151k▼
2024 · €155k
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€8.78M€8.71M▼
Formation expenses20€0€0=
Fixed assets21/28€3.32M€3.23M▼
Intangible fixed assets21€240€120▼
Tangible fixed assets22/27€3.31M€3.22M▼
Land and buildings22€3.10M€2.99M▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€206k€233k▲
Assets under construction and advance payments27€0-
Financial fixed assets28€10k€10k=
Current assets29/58€5.46M€5.47M▲
Stocks and contracts in progress3€4.39M€4.51M▲
Stocks30/36€4.39M€4.51M▲
Amounts receivable within one year40/41€249k€156k▼
Trade receivables40€80k€72k▼
Other amounts receivable41€168k€84k▼
Current investments50/53€94k€63k▼
Cash at bank and in hand54/58€700k€722k▲
Deferred charges and accrued income490/1€33k€19k▼
Equity and liabilities
Total equity and liabilities10/49€8.78M€8.71M▼
Equity10/15€7.13M€7.52M▲
Contributions10/11€518k€518k=
Reserves13€6.61M€7.00M▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€46k€41k▼
Distributable reserves133€6.56M€6.96M▲
Provisions and deferred taxes16€9k€7k▼
Deferred taxes168€9k€7k▼
Amounts payable17/49€1.65M€1.18M▼
Amounts payable after more than one year17€0-
Advances received on contracts in progress176€0-
Amounts payable within one year42/48€1.65M€1.18M▼
Current portion of amounts payable after more than one year42€30k€0▼
Trade debts44€795k€422k▼
Suppliers440/4€795k€422k▼
Taxes, remuneration and social security45€114k€57k▼
Taxes450/3€80k€41k▼
Remuneration and social security454/9€35k€16k▼
Other amounts payable47/48€709k€698k▼
Accrued charges and deferred income492/3€11€57▲
Income statement
Code20242025
Remuneration, social security and pensions62€155k€151k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€176k€173k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€324€0▼
Other operating charges640/8€16k€107k▲
Gross operating margin9900€1.33M€1.02M▼
Operating profit (loss)9901€984k€584k▼
Financial income75/76B€2k€943▼
Recurring financial income75€2k€943▼
Financial charges65/66B€3k€1k▼
Recurring financial charges65€3k€1k▼
Profit (loss) for the period before taxes9903€983k€584k▼
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€312k€189k▼
Profit (loss) for the period9904€672k€397k▼
Transfer from tax-exempt reserves789€5k€5k=
Profit (loss) for the period to be appropriated9905€676k€401k▼
Appropriation of the result
Profit (loss) to be appropriated9906€676k€401k▼
Transfer to equity691/2€676k€401k▼
To other reserves6921€676k€401k▼
Social balance
Average headcount (FTE)90873.43.4=
The notes to these accounts (9 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €766k ▲31.9%
Operating result €1.01M, net result €766k, both a record.
03-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 64 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Equity above €5MEq €5.11M ▲10.1%
4 profitable years in a row build equity to €5.11M.
09-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 40 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
31-12
Financial
Weakest financial yearnet €260k ▼0.2%
Net result drops to €260k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 19 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 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, Erpe-Mere · 1 establishment unit since 1993
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.
Leedsesteenweg 1069420 Erpe-MereGround area
345 m²
Building footprint
129 m²
Volume, LiDAR
641 m³
Parcel 41016B0442/00H002, Flanders · tallest building 8.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
AUTOHANDEL PATRICK BVBA
since 19932.064.755.856
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41016B0442/00H002 | Flanders | 345 m² | 1 · 129 m² | 8.8 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 22,016 EUR awarded · 22,016 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 178 EUR | 178 EUR |
| 2024 | 1 | 6,277 EUR | 6,277 EUR |
| 2023 | 1 | 8,223 EUR | 8,223 EUR |
| 2022 | 1 | 7,338 EUR | 7,338 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Recognitions · licences · registrations
Dual-learning approval
2 endedSimilar companies · same sector, comparable size
AUTO ELEKTRO PEETERS
BE 0463.893.491
Malle · Eq €7.54M
DEJONCKHEERE
BE 0420.313.173
Roeselare · Eq €7.48M
ANDRE AUTOMOTIVE
BE 0477.562.870
Asse · Eq €7.45M
LOUYET AUTOMOTIVE NORTH
BE 0479.004.608
Sint-Pieters-Leeuw · Eq €7.45M
AB - LEASE
BE 0425.917.892
Meise · Eq €7.63M
Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 1,163 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-06-1993
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50200
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.