GARAGE ANTONACCHIO
ActiveGARAGE ANTONACCHIO has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €463k and a net result of €48k. Equity is growing by ~14.6% per year across the filed fiscal years. Its solvency ranks better than 91% of 4144 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▼-22
Solvency100=
Growth68▼-10
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 7.42 against 4.29 in 2024; short-term debt: 13% and cash: 47.1% of total assets), and 17.3% of the assets are financed with debt.
Credit advice 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
82.7%
Return on assets
8.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
12 d late
2023
14 d early
2022
29 d late
2021
30 d late
2020
31 d late
2019
25 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€2.73M▼ 6.2%
2021 · €2.91M
2018: €1.97M
2019: €2.49M
2020: €2.38M
2021: €2.91M
2018 → 2025
EBIT margin
2.6%▲ 0.2pp
2021 · 2.4%
2018: 0.3%
2019: 3.1%
2020: 2.2%
2021: 2.4%
2018 → 2025
Net result
€48k▼ 36.0%
2024 · €76k
2018: €4k
2019: €53k
2020: €39k
2021: €51k
2022: €29k
2023: €73k
2024: €76k
2018 → 2025
Working capital
€468k▲ 28.6%
2024 · €364k
2018: €100k
2019: €146k
2020: €92k
2021: €117k
2022: €212k
2023: €301k
2024: €364k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2.91M-€2.73M
Equity€238k-€266k▲ 12.1%€339k▲ 27.3%€415k▲ 22.3%€463k▲ 11.7%
Operating result€71k-€44k▼ 37.5%€101k▲ 128%€111k▲ 10.4%€72k▼ 35.4%
Net result€51k-€29k▼ 44.3%€73k▲ 154%€76k▲ 3.7%€48k▼ 36.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €560k
Fixed assets
€18k▼ 63.2%
Current assets
€541k▲ 13.9%
Equity and liabilities €560k
Equity
€463k▲ 11.7%
Debt
€97k▼ 12.5%
The debt ratio falls from 21.1% to 17.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€105k▼
2024 · €113k
Cash flow
€82k▲
2024 · €78k
Solvency
82.7%▲
2024 · 78.9%
Current ratio
7.42▲
2024 · 4.29
Quick ratio
4.79▲
2024 · 2.51
Debt / equity
0.21▼
2024 · 0.27
ROE
10.4%▼
2024 · 18.2%
ROA
8.6%▼
2024 · 14.4%
Interest coverage
79.16▲
2024 · 78.24
Debt
€97k▼
2024 · €111k
Debt ≤ 1 year
€73k▼
2024 · €111k
Income taxes
€22k▼
2024 · €34k
Staff costs
€184k▼
2024 · €209k
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€525k€560k▲
Fixed assets21/28€50k€18k▼
Tangible fixed assets22/27€49k€18k▼
Land and buildings22€15k-
Plant, machinery and equipment23€28k€11k▼
Furniture and vehicles24€6k€7k▲
Financial fixed assets28€744€744=
Current assets29/58€475k€541k▲
Stocks and contracts in progress3€197k€192k▼
Stocks30/36€197k€192k▼
Amounts receivable within one year40/41€108k€86k▼
Trade receivables40€106k€60k▼
Other amounts receivable41€2k€25k▲
Cash at bank and in hand54/58€170k€264k▲
Equity and liabilities
Total equity and liabilities10/49€525k€560k▲
Equity10/15€415k€463k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€232k€277k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€226k€271k▲
Profit (loss) carried forward14€120k€123k▲
Amounts payable17/49€111k€97k▼
Amounts payable within one year42/48€111k€73k▼
Financial debts43€4k€4k=
Credit institutions430/8€4k€4k=
Trade debts44€38k€12k▼
Suppliers440/4€38k€12k▼
Taxes, remuneration and social security45€68k€51k▼
Taxes450/3€37k€28k▼
Remuneration and social security454/9€31k€23k▼
Other amounts payable47/48€430€5k▲
Accrued charges and deferred income492/3-€24k
Income statement
Code20242025
Turnover70-€2.73M
Goods, raw materials, services and sundry goods60/61-€2.42M
Remuneration, social security and pensions62€209k€184k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€34k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€3k
Other operating charges640/8€13k€14k▲
Gross operating margin9900€336k€306k▼
Operating profit (loss)9901€111k€72k▼
Financial income75/76B-€243
Recurring financial income75-€243
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€110k€71k▼
Income taxes67/77€34k€22k▼
Profit (loss) for the period9904€76k€48k▼
Profit (loss) for the period to be appropriated9905€76k€48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€185k€168k▼
Profit (loss) brought forward from the previous period14P€110k€120k▲
Transfer to equity691/2€65k€45k▼
To other reserves6921€65k€45k▼
The notes to these accounts (5 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 28 days late
2025
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
31-12
Financial
Highest result since 2018net €76k ▲3.7%
Operating result €111k, net result €76k, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 3.81
Current ratio from 1.65 to 3.81; short-term debt falls from €178k to €75k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 25 days late
2019
31-12
Financial
Equity above €200kEq €202k ▲11.4%
2 profitable years in a row build equity to €202k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Visé · 1 establishment unit since 1989
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.
Chaussée d'Argenteau(ARG) 204601 ViséGround area
1,533 m²
Building footprint
859 m²
Parcel 62005A0159/03G000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Chaussée d'Argenteau(ARG) 20, 4601 Visé
since 19892.043.081.009
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62005A0159/03G000 | Wallonia | 1,533 m² | 1 · 859 m² | - |
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
FREDERIC KONINCKX MOTORS
BE 0427.650.927
Kontich · Eq €463k
LABRIMMO
BE 0890.540.172
Halle · Eq €463k
deluxe motors
BE 0711.870.033
Houthalen-Helchteren · Eq €463k
Autobedrijf Naessens
BE 0840.558.250
Kortrijk · Eq €463k
GARAGE GHEYSENS
BE 0447.354.003
Mouscron · Eq €462k
Of 10,674 companies in sector 47811 we hold annual accounts for 5,223. 3,487 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded02-01-1989
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 · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.