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Drivio

Active
Private limited company·Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)· 2 yrs active
Brusselsesteenweg 344C ·9090 Merelbeke-Melle, Belgium
KBO/BCE: BE 1001.333.077
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Age2 yrs
Real estate3 parcels · 1.3 ha

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Drivio is 3.3% (moderate). The 2025 annual accounts show equity of €31k and a net result of €1k. Its solvency ranks better than 26% of 478 sector peers (fiscal year 2025). 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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
3.3% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Multiple establishment units +Higher-failure-rate sector +

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

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 29-10-2025, 2 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-03. 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 31-03-2025, that is 31-10-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-03-2025 31-10-2025 29-10-2025 2 d early 2025-00554293

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.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€1k
Working capital€-15k

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 29-10-2025 with the NBB · fiscal year 2025 · verkort
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 6.7% 21.2%
better than 26% of 478 sector peers
Net result €1k €33k
better than 29% of 476 sector peers
Equity €31k €166k
better than 24% of 478 sector peers
Gross operating margin €4k €282k
better than 7% of 478 sector peers
Total assets €467k €906k
better than 23% of 478 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2025
Depositverkort
Revenue-
EBITDA€3k
Net profit€1k
Cash flow€8k
Staff costs-
Income taxes€154
Dividends-
Total assets€467k
Equity€31k
Debt€436k
of which ≤ 1y€345k
of which > 1y€90k
Working capital€-15k
Employees (FTE)-
Ratios (computed)
2025
Current ratio0.96
Quick ratio0.35
Working capital ratio-3.3%
Solvency6.7%
Debt / equity13.93
Long-term debt ratio2.88
Interest coverage1.56
Gross margin-
Net margin-
ROA0.3%
ROE4.1%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€467k
Fixed assets 21/28€137k
Tangible fixed assets 22/27€131k
Financial fixed assets 28€6k
Current assets 29/58€330k
Stocks & contracts in progress 3€208k
Amounts receivable within one year 40/41€71k
Cash & bank 54/58€40k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€467k
Equity 10/15€31k
Contributions / capital 10/11€30k
Reserves 13€1k
Amounts payable 17/49€436k
Amounts payable after one year 17€90k
Amounts payable within one year 42/48€345k
Trade debts payable within one year 44€314k
Income statement
Gross operating margin 9900€4k
Operating result 9901€-4k
Financial income 75€7k
Financial charges 65€2k
Result before taxes 9903€1k
Income taxes 67/77€154
Net result for the period 9904€1k
Result to be appropriated 9905€1k
Ratios computed by Checked.

Health barometer

FY 2025 · computed
31 / 100 Weak
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Directors

Directors & mandates

1 director
Former directors (1)
  • BV De LijmLegal entity
    Director
    State Gazette act 25046852 (09-04-2025)
    Former
    - → 19-03-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)(47811)
Legal form Private limited company(610)
Incorporation18-10-2023
StatusActive
Postal code9090

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.

Brusselsesteenweg 344C9090 Merelbeke-Melle

Establishment units

3 locations
Drivio
Brusselsesteenweg 344C, 9090 Merelbeke-MelleGroothandel in auto's en lichte bestelwagens (= 3,5 ton)
since 20232.351.193.589
Drivio
Ambachtenstraat 5, 9160 LokerenHandelsbemiddeling in de groothandel in andere specifieke goederen
since 20252.371.294.167
Drivio
Gruuthuselaan 49, 8020 OostkampHandelsbemiddeling in de groothandel in andere specifieke goederen
since 20252.371.294.266
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels3
Ground area1.3 ha
Buildings3
Building footprint5,628 m²
Volume (LiDAR)3,933 m³
Tallest building12.1 m · ±3 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 3 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
46382B1745/00B000 Flanders 9,770 m² 1 · 5,134 m² 3.1 m
44040D0127/00C002 Flanders 2,482 m² 1 · 355 m² 12.1 m · 3 fl.
31022I0389/00W000 Flanders 796 m² 1 · 138 m² 5.4 m · 2 fl.
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 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

Belgisch Staatsblad · acts

1 acts
All acts · 1 updated 1 year ago
2025
09-04-2025 BV De Lijm resigns as director Director changes
  • BV De Lijm, Bestuurder

Analysis

Snowflake analysis

financial profile on 5 axes
Health31Profitability21Solvency14Growth-Stability67
33 / 100

Fragile profile, watch solvency in particular.

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

Health 31
Profitability 21
Solvency 14
Growth -
Stability 67

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Credit advice

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Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

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 10,652 companies in this sector. 820 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)47811Handelsbemiddeling in auto's en lichte bestelwagens (= 3,5 ton)45112Handelsbemiddeling in de groothandel in andere specifieke goederen46180Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameNL Drivio
Registered office
Brusselsesteenweg 344C
9090 Merelbeke-Melle, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.