GARAGE DE VYLDER
ActiveSummary
GARAGE DE VYLDER has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €269k and a net result of €68k. Equity is growing by ~16.5% per year across the filed fiscal years. Its solvency ranks better than 43% of 2544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+4
Solvency57▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity tight (current ratio 1.36 against 1.31 in 2024; short-term debt: 31.9% and cash: 8.7% of total assets), and 68.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← 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
31.9%
Return on assets
8.1%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
on the day
2024
91 d late
2023
42 d early
2022
2 d late
2021
31 d late
2020
on the day
2019
2 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€269k▲ 19.0%
2024 · €226k
2018: €63k
2019: €88k
2020: €119k
2021: €158k
2022: €190k
2023: €196k
2024: €226k
2018 → 2025
Total assets
€844k▲ 5.1%
2024 · €803k
2018: €553k
2019: €557k
2020: €609k
2021: €625k
2022: €666k
2023: €739k
2024: €803k
2018 → 2025
Net result
€68k▲ 58.6%
2024 · €43k
2018: €-7k
2019: €24k
2020: €32k
2021: €38k
2022: €51k
2023: €29k
2024: €43k
2018 → 2025
Working capital
€98k▲ 28.0%
2024 · €76k
2018: €30k
2019: €3k
2020: €27k
2021: €52k
2022: €89k
2023: €77k
2024: €76k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€158k-€190k▲ 20.8%€196k▲ 2.8%€226k▲ 15.5%€269k▲ 19.0%
Operating result€59k-€70k▲ 19.5%€43k▼ 38.2%€68k▲ 56.5%€97k▲ 42.6%
Net result€38k-€51k▲ 33.5%€29k▼ 42.5%€43k▲ 45.6%€68k▲ 58.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 43% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €844k
Fixed assets
€477k ▼ 0.7%
Current assets
€367k ▲ 13.8%
Equity and liabilities €844k
Equity
€269k ▲ 19.0%
Debt
€575k ▼ 0.3%
Debt's share of the balance-sheet total falls from 71.9% to 68.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€131k▲
2024 · €93k
Cash flow
€103k▲
2024 · €68k
Current ratio
1.36▲
2024 · 1.31
Quick ratio
0.61▼
2024 · 0.63
Debt to equity
2.14▼
2024 · 2.55
ROE
25.3%▲
2024 · 19.0%
ROA
8.1%▲
2024 · 5.3%
Interest coverage
8.95▲
2024 · 6.77
Debt ≤ 1 year
€269k▲
2024 · €246k
Debt > 1 year
€306k▼
2024 · €331k
Income taxes
€14k▲
2024 · €11k
Staff costs
€111k▼
2024 · €112k
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€803k€844k▲
Fixed assets21/28€481k€477k▼
Intangible fixed assets21€20k€20k=
Tangible fixed assets22/27€461k€458k▼
Land and buildings22€435k€421k▼
Plant, machinery and equipment23€20k€18k▼
Furniture and vehicles24€6k€19k▲
Financial fixed assets28€125€150▲
Current assets29/58€322k€367k▲
Stocks and contracts in progress3€166k€203k▲
Stocks30/36€166k€203k▲
Amounts receivable within one year40/41€85k€84k▼
Trade receivables40€68k€72k▲
Other amounts receivable41€18k€12k▼
Cash at bank and in hand54/58€65k€74k▲
Deferred charges and accrued income490/1€6k€7k▲
Equity and liabilities
Total equity and liabilities10/49€803k€844k▲
Equity10/15€226k€269k▲
Contributions10/11€71k€71k=
Profit (loss) carried forward14€155k€198k▲
Amounts payable17/49€577k€575k▼
Amounts payable after more than one year17€331k€306k▼
Financial debts170/4€331k€306k▼
Amounts payable within one year42/48€246k€269k▲
Current portion of amounts payable after more than one year42€32k€30k▼
Financial debts43€50k€75k▲
Credit institutions430/8€50k€75k▲
Trade debts44€127k€112k▼
Suppliers440/4€127k€112k▼
Taxes, remuneration and social security45€25k€27k▲
Taxes450/3€13k€12k▼
Remuneration and social security454/9€11k€15k▲
Other amounts payable47/48€13k€26k▲
Income statement
Code20242025
Remuneration, social security and pensions62€112k€111k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€35k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€253
Other operating charges640/8€4k€15k▲
Non-recurring operating charges66A€4k-
Gross operating margin9900€214k€258k▲
Operating profit (loss)9901€68k€97k▲
Financial income75/76B€122€110▼
Recurring financial income75€122€110▼
Financial charges65/66B€14k€15k▲
Recurring financial charges65€14k€15k▲
Profit (loss) for the period before taxes9903€54k€82k▲
Income taxes67/77€11k€14k▲
Profit (loss) for the period9904€43k€68k▲
Profit (loss) for the period to be appropriated9905€43k€68k▲
Appropriation of the result
Profit (loss) to be appropriated9906€168k€223k▲
Profit (loss) brought forward from the previous period14P€125k€155k▲
Profit to be distributed694/7€13k€25k▲
Directors or managers695€13k€25k▲
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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €68k ▲58.6%
Operating result €97k, net result €68k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 91 days late
2024
30-09
Financial
Equity above €200kEq €226k ▲15.5%
6 profitable years in a row build equity to €226k.
19-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-09
Financial
Equity above €150kEq €158k ▲32.2%
3 profitable years in a row build equity to €158k.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €100kEq €119k ▲36.2%
2 profitable years in a row build equity to €119k.
28-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
20-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
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, Lokeren · 2 establishment units since 2017
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.
Beertenstraat 159160 LokerenGround area
2,047 m²
Building footprint
648 m²
Volume, LiDAR
912 m³
2 parcels, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
GARAGE DE VYLDER
since 20172.270.381.109
GARAGE DE VYLDER
since 20182.294.246.473
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46014A0243/00X002 | Flanders | 1,061 m² | 1 · 502 m² | 0.2 m |
| 46384C1159/00N000 | Flanders | 986 m² | 1 · 146 m² | 9.0 m · 2 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 593 EUR awarded · 146 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 593 EUR | 146 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 7,375 companies in sector 95311 we hold annual accounts for 2,959. 2,271 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 formPrivate limited company
Founded05-12-2017
Fiscal year end30-09
Activities, NACEBEL 2025
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95314Bodywork repair (including spraying and painting)
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.