EQUIP - AUTO
ActiveSummary
The annual accounts of EQUIP - AUTO for fiscal year 2025 show a net loss of 169% of the equity at the start of that year. The 2025 annual accounts show equity of €5k and a net result of €-20k. Equity is shrinking by ~23.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 8% of 4867 sector peers (fiscal year 2025). The company has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
40
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▼-3
Solvency25▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.98 against 0.98 in 2024; short-term debt: 97.4% and cash: 0.7% of total assets), and 99.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Eight 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-20k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 4867 sector peers (2025).
NBB · sector comparisonPosition among 4867 sector peers
Solvency
better than 8%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
28 d late
2022
30 d late
2021
23 d late
2020
31 d late
2019
22 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-20k▼ 255%
2024 · €-6k
2018: €1k
2019: €-7k
2020: €4k
2021: €-8k
2022: €-31k
2023: €-5k
2024: €-6k
2018 → 2025
Working capital
€-25k▼ 40.2%
2024 · €-18k
2018: €35k
2019: €29k
2020: €32k
2021: €24k
2022: €-7k
2023: €-12k
2024: €-18k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€54k-€22k▼ 58.5%€17k▼ 22.0%€12k▼ 32.2%€5k▼ 61.0%
Operating result€-8k-€-30k▼ 297%€-3k▲ 88.8%€-4k▼ 4.2%€-17k▼ 392%
Net result€-8k-€-31k▼ 277%€-5k▲ 84.4%€-6k▼ 13.8%€-20k▼ 255%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €17k in 2025 against €4k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.15M
Fixed assets
€55k =
Current assets
€1.09M ▼ 0.8%
Equity and liabilities €1.15M
Equity
€5k ▼ 61.0%
Debt
€1.14M ▼ 0.2%
Debt's share of the balance-sheet total rises from 99.0% to 99.6%. Equity and debt are lower.
Key figures and ratios
Current ratio
0.98▼
2024 · 0.98
Quick ratio
0.03▼
2024 · 0.04
ROE
-432.5%▼
2024 · -47.5%
ROA
-1.7%▼
2024 · -0.5%
Debt ≤ 1 year
€1.12M▼
2024 · €1.12M
Debt > 1 year
€25k=
2024 · €25k
Staff costs
€133k▼
2024 · €164k
A ratio outside any meaningful range has been withheld (balance sheet total €1.15M, equity €5k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.16M€1.15M▼
Fixed assets21/28€55k€55k=
Intangible fixed assets21€36k€36k=
Tangible fixed assets22/27€19k€19k=
Land and buildings22€18k€18k=
Plant, machinery and equipment23€905€905=
Current assets29/58€1.10M€1.09M▼
Stocks and contracts in progress3€1.06M€1.06M▼
Stocks30/36€1.06M€1.06M▼
Amounts receivable within one year40/41€38k€26k▼
Trade receivables40€38k€26k▼
Cash at bank and in hand54/58€4k€9k▲
Equity and liabilities
Total equity and liabilities10/49€1.16M€1.15M▼
Equity10/15€12k€5k▼
Contributions10/11€267k€267k=
Capital10€267k€267k=
Issued capital100€267k€267k=
Reserves13€1k€1k=
Non-distributable reserves130/1€1k€1k=
Legal reserve130€1k€1k=
Profit (loss) carried forward14€-257k€-264k▼
Amounts payable17/49€1.14M€1.14M▼
Amounts payable after more than one year17€25k€25k=
Financial debts170/4€25k€25k=
Amounts payable within one year42/48€1.12M€1.12M▼
Trade debts44€1.07M€1.06M▼
Suppliers440/4€1.07M€1.06M▼
Taxes, remuneration and social security45€28k€37k▲
Taxes450/3€2k€16k▲
Remuneration and social security454/9€26k€21k▼
Other amounts payable47/48€20k€20k▼
Accrued charges and deferred income492/3€1-
Income statement
Code20242025
Remuneration, social security and pensions62€164k€133k▼
Other operating charges640/8€4k-
Gross operating margin9900€164k€116k▼
Operating profit (loss)9901€-4k€-17k▼
Financial income75/76B€2-
Recurring financial income75€2-
Non-recurring financial income76B€2-
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€-6k€-20k▼
Profit (loss) for the period9904€-6k€-20k▼
Transfer from tax-exempt reserves789€0-
Profit (loss) for the period to be appropriated9905€-6k€-20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-257k€-276k▼
Profit (loss) brought forward from the previous period14P€-251k€-257k▼
Transfer to equity691/2€0-
To the legal reserve6920€0-
To other reserves6921€0-
Shareholders' contribution to the loss794-€13k
Social balance
Average headcount (FTE)9087-3.0
The notes to these accounts (13 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €-31k
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 23 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
22-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 22 days late
2019
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 9 days late
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Fontaine-l'Evêque · 2 establishment units since 1996
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.
Rue de Mons(F-E) 2266140 Fontaine-l'EvêqueGround area
1,512 m²
Building footprint
132 m²
Volume, LiDAR
1,219 m³
2 parcels, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Rue de Mons(F-E) 226, 6140 Fontaine-l'Evêque
since 19962.078.166.107
Distri Pièces
since 20102.358.202.632
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56022B0686/00S005 | Wallonia | 1,282 m² | 1 · 67 m² | 10.5 m · 3 fl. |
| 52022C0190/00G003 | Wallonia | 230 m² | 1 · 65 m² | 10.9 m · 3 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.
Similar companies · same sector, comparable size
METOON
BE 0768.878.913
Bree · Eq €4,578
U-Glas
BE 0766.663.947
Herentals · Eq €4,365
BRAEMS MENEN
BE 0458.509.892
Menen · Eq €4,358
GROUPE LABOUKOYE IMPORT-EXPORT
BE 0826.305.683
Anderlecht · Eq €4,294
R.TEC EQUIPMENTS
BE 1018.088.343
Fleurus · Eq €4,126
Of 1,746 companies in sector 46720 we hold annual accounts for 1,084. 135 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded28-08-1996
Fiscal year end31-12
Activities, NACEBEL 2025
46720Wholesale of motor vehicle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.