Ets AUTO-POL
ActiveEts AUTO-POL has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €125k and a net result of €20k. Equity is growing by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 53% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability76=
Solvency60▲+6
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.89 against 2.16 in 2023; short-term debt: 18.8% and cash: 15.2% of total assets), but 64.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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 · 8 filingsDeviation from the deadline
2025
not confirmed
2024
60 d late
2023
6 d early
2022
31 d late
2021
29 d late
2020
37 d late
2019
52 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€125k▲ 19.2%
2023 · €105k
2018: €57k
2019: €53k
2020: €71k
2021: €74k
2022: €94k
2023: €105k
2018 → 2024
Total assets
€352k▼ 3.0%
2023 · €363k
2018: €79k
2019: €303k
2020: €306k
2021: €300k
2022: €362k
2023: €363k
2018 → 2024
Net result
€20k▼ 0.8%
2023 · €20k
2018: €27k
2019: €-4k
2020: €18k
2021: €4k
2022: €40k
2023: €20k
2018 → 2024
Working capital
€125k▲ 21.0%
2023 · €103k
2018: €52k
2019: €47k
2020: €70k
2021: €58k
2022: €87k
2023: €103k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€71k-€74k▲ 5.0%€94k▲ 27.2%€105k▲ 10.8%€125k▲ 19.2%
Operating result€29k-€14k▼ 51.1%€55k▲ 282%€33k▼ 40.2%€36k▲ 9.0%
Net result€18k-€4k▼ 80.3%€40k▲ 1,032%€20k▼ 49.7%€20k▼ 0.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 9% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €352k
Fixed assets
€161k▼ 5.5%
Current assets
€191k▼ 0.7%
Equity and liabilities €352k
Equity
€125k▲ 19.2%
Debt
€227k▼ 11.9%
The debt ratio falls from 71.2% to 64.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€50k▼
2023 · €53k
Cash flow
€34k▼
2023 · €40k
Solvency
35.4%▲
2023 · 28.8%
Current ratio
2.89▲
2023 · 2.16
Quick ratio
1.45▲
2023 · 1.31
Debt / equity
1.82▼
2023 · 2.47
ROE
16.1%▼
2023 · 19.3%
ROA
5.7%▲
2023 · 5.6%
Interest coverage
7.80▼
2023 · 8.81
Debt
€227k▼
2023 · €258k
Debt ≤ 1 year
€66k▼
2023 · €89k
Debt > 1 year
€158k▼
2023 · €167k
Income taxes
€9k▲
2023 · €7k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€363k€352k▼
Fixed assets21/28€170k€161k▼
Tangible fixed assets22/27€170k€161k▼
Land and buildings22€158k€148k▼
Furniture and vehicles24€5k€3k▼
Other tangible fixed assets26€7k€11k▲
Current assets29/58€193k€191k▼
Stocks and contracts in progress3€75k€95k▲
Stocks30/36€75k€95k▲
Amounts receivable within one year40/41€44k€43k▼
Trade receivables40€34k€43k▲
Other amounts receivable41€11k-
Cash at bank and in hand54/58€73k€53k▼
Equity and liabilities
Total equity and liabilities10/49€363k€352k▼
Equity10/15€105k€125k▲
Contributions10/11€12k€12k=
Reserves13€42k€62k▲
Distributable reserves133€42k€62k▲
Profit (loss) carried forward14€50k€50k=
Amounts payable17/49€258k€227k▼
Amounts payable after more than one year17€167k€158k▼
Financial debts170/4€167k€158k▼
Amounts payable within one year42/48€89k€66k▼
Current portion of amounts payable after more than one year42€14k€9k▼
Trade debts44€22k€18k▼
Suppliers440/4€22k€18k▼
Taxes, remuneration and social security45€15k€21k▲
Taxes450/3€11k€19k▲
Remuneration and social security454/9€4k€2k▼
Other amounts payable47/48€38k€18k▼
Accrued charges and deferred income492/3€2k€3k▲
Income statement
Code20232024
Non-recurring operating income76A€115-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€14k▼
Other operating charges640/8€5k€5k▲
Gross operating margin9900€58k€55k▼
Operating profit (loss)9901€33k€36k▲
Financial income75/76B€36€7▼
Recurring financial income75€36€7▼
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€27k€29k▲
Income taxes67/77€7k€9k▲
Profit (loss) for the period9904€20k€20k▼
Profit (loss) for the period to be appropriated9905€20k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€70k€70k▼
Profit (loss) brought forward from the previous period14P€50k€50k=
Transfer from equity791/2€12k-
Transfer to equity691/2€22k€20k▼
To other reserves6921€22k€20k▼
Profit to be distributed694/7€10k-
Return on contributions (dividend)694€10k-
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €105k ▲10.8%
4 profitable years in a row build equity to €105k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €40k ▲1032%
Operating result €55k, net result €40k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
06-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 37 days late
2020
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
21-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 52 days late
2019
31-12
Financial
Weakest financial yearnet €-4k ▼116%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Overijse · 1 establishment unit since 2016
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.
Terhulpensesteenweg 2253090 OverijseGround area
2,031 m²
Building footprint
216 m²
Volume, LiDAR
1,107 m³
Parcel 23543I0237/00L005, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ets AUTO-POL
since 20162.253.008.706
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23543I0237/00L005 | Flanders | 2,031 m² | 1 · 216 m² | 8.0 m · 2 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.
Similar companies · same sector, comparable size
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BE 0861.292.395
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JAN RYCKAERT CONSULT
BE 0835.323.517
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Berth Johnny
BE 0841.664.743
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MBS AUTOMOBILE
BE 0540.873.186
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Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 3,692 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-05-2016
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.