Active BE 0423.704.908Private limited company

Centrum Garage

Nijverheidsstraat 8 ·2530 Boechout, Belgium· 43 yrs active

Sector: General maintenance and repair of cars and light vans (up to 3.5 tonnes) (95311)

Conclusion Checked

Centrum Garage has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €771k and a net result of €79k. Equity is growing by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 88% of 991 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€771k
Net result	€79k
Staff (FTE)	3.2
Better than sector	88%

Financial profile 5 of 5 axes measured · computed by Checked

84 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 93

Profitability 51

Solvency 100

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.3% Very low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 1983, 43 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

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.

Checked score FY 2024 · computed

93 / 100 Excellent

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.

Indicative credit limit

€70k

estimate, not credit advice

Score history

86 2021

94 2022

100 2023

93 2024

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 11.57 (≥ 1.5) +10

Quick ratio Quick ratio 7.56 (≥ 1.0) +5

Leverage Debt/equity 0.24 (< 1.0) +10

Profitability ROE 10% (≥ 10%) +10

Interest coverage Interest coverage 36.2× (≥ 3×) +8

Profit trend Net profit down YoY -3

Equity growth Equity growing YoY +3

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

Financial overview42 NBB filings

Annual accounts filed on 06-07-2025 with the NBB · fiscal year 2024 · abbreviated schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~11.2%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	80.9%	46.1%	better than 88% of 991 sector peers
Net result	€79k	€62k	better than 56% of 991 sector peers
Equity	€771k	€422k	better than 68% of 992 sector peers
Gross operating margin	€288k	€363k	better than 42% of 991 sector peers
Staff costs	€173k	€219k	higher than 41% of 789 sector peers

EBITDA

€146k

-11.9% 21-24

Net profit

€79k

-18.7% 21-24

Cash flow

€114k

-10.0% 21-24

Total assets

€953k

+4.9% 21-24

Equity

€771k

+11.5% 21-24

Working capital

€691k

+9.7% 21-24

Employees (FTE)

3

-31.9% 21-24

Staff costs

€173k

-6.8% 21-24

Income taxes

€29k

-19.4% 21-24

Debt

€182k

-16.0% 21-24

Debt ≤ 1y

€65k

-8.0% 21-24

Debt > 1y

€117k

-19.9% 21-24

Current ratio

11.57

+17.3% 21-24

Quick ratio

7.56

+46.1% 21-24

Solvency

80.9%

+6.3% 21-24

Debt / equity

0.24

-24.7% 21-24

ROE

10.3%

-27.1% 21-24

ROA

8.3%

-22.5% 21-24

Interest coverage

36.24

-18.4% 21-24

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2024	2023	2022	2021
Deposit	abbreviated schema	abbreviated schema	abbreviated schema	abbreviated schema
Revenue	-	-	-	-
EBITDA	€146k	€165k	€62k	€60k
Net profit	€79k	€98k	€29k	€28k
Cash flow	€114k	€127k	€49k	€48k
Staff costs	€173k	€186k	€180k	€159k
Income taxes	€29k	€36k	€12k	€10k
Dividends	-	-	-	-
Total assets	€953k	€909k	€860k	€859k
Equity	€771k	€691k	€594k	€565k
Debt	€182k	€217k	€266k	€293k
of which ≤ 1y	€65k	€71k	€91k	€90k
of which > 1y	€117k	€146k	€175k	€202k
Working capital	€691k	€630k	€556k	€544k
Employees (FTE)	3.2	4.7	4.4	2.9

Ratios (computed)

	2024	2023	2022	2021
Current ratio	11.57	9.86	7.08	7.01
Quick ratio	7.56	5.17	3.90	4.33
Working capital ratio	72.5%	69.3%	64.6%	63.4%
Solvency	80.9%	76.1%	69.1%	65.8%
Debt / equity	0.24	0.31	0.45	0.52
Long-term debt ratio	0.15	0.21	0.29	0.36
Interest coverage	36.24	44.43	66.08	39.94
Gross margin	-	-	-	-
Net margin	-	-	-	-
ROA	8.3%	10.7%	3.3%	3.2%
ROE	10.3%	14.1%	4.8%	4.9%
EBITDA margin	-	-	-	-
Days sales outstanding	-	-	-	-
Days payable outstanding	-	-	-	-
Inventory turnover	-	-	-	-
Days inventory (DSI)	-	-	-	-

Balance-sheet composition 2024

Assets

Fixed assets €197k · 20.7% Current assets €756k · 79.3%

Equity & liabilities

Equity €771k · 80.9% Debt €182k · 19.1%

Full annual accounts (25 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€953k	€909k	€860k	€859k
Fixed assets	21/28	€197k	€208k	€213k	€224k
Tangible fixed assets	22/27	€196k	€207k	€212k	€223k
Financial fixed assets	28	€700	€700	€600	€600
Current assets	29/58	€756k	€701k	€647k	€635k
Stocks & contracts in progress	3	€262k	€333k	€291k	€243k
Amounts receivable within one year	40/41	€62k	€50k	€180k	€115k
Investments	50/53	€83k	€83k	€176k	€274k
Cash & bank	54/58	€346k	€234k	€223	€2k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€953k	€909k	€860k	€859k
Equity	10/15	€771k	€691k	€594k	€565k
Contributions / capital	10/11	€19k	€19k	€19k	€19k
Reserves	13	€752k	€673k	€575k	€547k
Amounts payable	17/49	€182k	€217k	€266k	€293k
Amounts payable after one year	17	€117k	€146k	€175k	€202k
Amounts payable within one year	42/48	€65k	€71k	€91k	€90k
Trade debts payable within one year	44	€17k	€22k	€34k	€38k
Income statement
Gross operating margin	9900	€288k	€381k	€264k	€250k
Operating result	9901	€111k	€136k	€41k	€40k
Financial income	75	€2k	€1k	€36	€3
Financial charges	65	€4k	€4k	€941	€1k
Result before taxes	9903	€108k	€134k	€41k	€38k
Income taxes	67/77	€29k	€36k	€12k	€10k
Net result for the period	9904	€79k	€98k	€29k	€28k
Result to be appropriated	9905	€79k	€98k	€29k	€28k

Directors & mandates 1 directors

Former directors (1)

VANSWEEVELT Eliane Madeleine Leopoldine
Director
State Gazette act 24302013 (02-01-2024)

Former
- → 02-01-2024

Legal Structure

NACE primary	General maintenance and repair of cars and light vans (up to 3.5 tonnes)(95311)
Legal form	Private limited company(610)
Incorporation	08-02-1983
Status	Active
Postal code	2530

Establishment units 1 location

Nijverheidsstraat 8, 2530 Boechout

NACE 5010301

since 19832.021.856.320

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11004A0032/00B002	Flanders	1,600 m²	1 · 510 m²	5.7 m · 2 fl.

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.

Updates 12 events

All 13Financial 1Gazette 2Filings 10

2025

06-07

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

28-06

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

02-01

State Gazette act Director changes

Marc Verhoeven

2023

31-12

Financial Highest result since 2021net €98k ▲242%

Operating result €136k, net result €98k, both a record.

30-08

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema · 30 days late

2022

31-08

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema · 31 days late

2021

31-08

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema · 31 days late

2020

10-08

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema · 10 days late

2019

22-08

NBB filing Annual accounts filed

fiscal year 2018 · abbreviated schema · 22 days late

2018

20-07

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema

2017

18-07

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema

2016

10-08

NBB filing Annual accounts filed

fiscal year 2015 · abbreviated schema · 10 days late

2004

23-01

State Gazette act Minor change

Statutes change · Marcel Wellens

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts

All acts · 2 updated 2 years ago

2024

02-01-2024 4 directors appointed, 1 resigning Director changes·Marc Verhoeven

Julie De Roy, Gedelegeerd bestuurder
Dominique Jaminet, Gedelegeerd bestuurder
Hans Van der Borght, Gedelegeerd bestuurder
Camille Houtave, Gedelegeerd bestuurder
VANSWEEVELT Eliane Madeleine Leopoldine, Bestuurder

Notary: Marc Verhoeven · Deurne

Original publication ↗

Technical details

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2004

23-01-2004 Publication in the Belgian Official Gazette, Minor change Minor change·Marcel Wellens

Summary: Statutes changeNotary: Marcel Wellens · Mortsel

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Retail sale of cars and light vans (up to 3.5 tonnes)47811General maintenance and repair of cars and light vans (up to 3.5 tonnes)953115020050103

Names & trade names

Legal nameNL

Centrum Garage

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