GARAGE DE WOLF
ActiveGARAGE DE WOLF has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €377k and a net result of €-38k. Equity is growing by ~11.3% per year across the filed fiscal years. Its solvency ranks better than 49% of 1022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-45
Solvency60▼-5
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days only on tighter terms
Liquidity short (current ratio 0.76 against 0.96 in 2024), and 57.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
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 →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
38 d early
2023
43 d early
2022
25 d early
2021
31 d early
2020
71 d early
2019
46 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€377k▼ 9.2%
2024 · €415k
2018: €217k
2019: €224k
2020: €223k
2021: €255k
2022: €324k
2023: €378k
2024: €415k
2018 → 2025
Total assets
€882k▼ 6.5%
2024 · €943k
2018: €778k
2019: €684k
2020: €640k
2021: €691k
2022: €770k
2023: €729k
2024: €943k
2018 → 2025
Net result
€-38k
2024 · €38k
2018: €32k
2019: €7k
2020: €-953
2021: €33k
2022: €69k
2023: €54k
2024: €38k
2018 → 2025
Working capital
€-84k▼ 432%
2024 · €-16k
2018: €-192k
2019: €-167k
2020: €-141k
2021: €-74k
2022: €27k
2023: €77k
2024: €-16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€255k-€324k▲ 26.9%€378k▲ 16.6%€415k▲ 9.9%€377k▼ 9.2%
Operating result€36k-€71k▲ 99.7%€55k▼ 21.7%€42k▼ 23.6%€-25k
Net result€33k-€69k▲ 109%€54k▼ 21.8%€38k▼ 30.1%€-38k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €25k after €42k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €882k
Fixed assets
€616k▲ 1.8%
Current assets
€265k▼ 21.5%
Equity and liabilities €882k
Equity
€377k▼ 9.2%
Debt
€504k▼ 4.4%
The debt ratio rises from 56.0% to 57.2%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€54k▼
2024 · €111k
Cash flow
€41k▼
2024 · €106k
Solvency
42.8%▼
2024 · 44.0%
Current ratio
0.76▼
2024 · 0.96
Quick ratio
0.36▼
2024 · 0.52
Debt / equity
1.34▲
2024 · 1.27
ROE
-10.1%▼
2024 · 9.0%
ROA
-4.3%▼
2024 · 4.0%
Interest coverage
8.53▼
2024 · 20.41
Debt
€504k▼
2024 · €528k
Debt ≤ 1 year
€349k▼
2024 · €354k
Debt > 1 year
€155k▼
2024 · €174k
Income taxes
€7k
Staff costs
€111k▲
2024 · €98k
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€943k€882k▼
Fixed assets21/28€605k€616k▲
Tangible fixed assets22/27€602k€613k▲
Land and buildings22€380k€421k▲
Plant, machinery and equipment23€171k€151k▼
Furniture and vehicles24€51k€41k▼
Financial fixed assets28€3k€3k=
Current assets29/58€338k€265k▼
Stocks and contracts in progress3€155k€138k▼
Stocks30/36€155k€138k▼
Amounts receivable within one year40/41€35k€33k▼
Trade receivables40€20k€33k▲
Other amounts receivable41€16k-
Cash at bank and in hand54/58€147k€94k▼
Equity and liabilities
Total equity and liabilities10/49€943k€882k▼
Equity10/15€415k€377k▼
Contributions10/11€19k€19k=
Reserves13€563k€563k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€561k€561k=
Profit (loss) carried forward14€-166k€-204k▼
Amounts payable17/49€528k€504k▼
Amounts payable after more than one year17€174k€155k▼
Financial debts170/4€174k€155k▼
Amounts payable within one year42/48€354k€349k▼
Trade debts44€210k€124k▼
Suppliers440/4€210k€124k▼
Taxes, remuneration and social security45-€3k
Taxes450/3-€3k
Other amounts payable47/48€144k€222k▲
Income statement
Code20242025
Remuneration, social security and pensions62€98k€111k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€69k€79k▲
Other operating charges640/8€12k€17k▲
Gross operating margin9900€220k€182k▼
Operating profit (loss)9901€42k€-25k▼
Financial income75/76B€566€293▼
Recurring financial income75€566€293▼
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€38k€-31k▼
Income taxes67/77-€7k
Profit (loss) for the period9904€38k€-38k▼
Profit (loss) for the period to be appropriated9905€38k€-38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-166k€-204k▼
Profit (loss) brought forward from the previous period14P€-203k€-166k▲
Social balance
Average headcount (FTE)90872.32.3=
The notes to these accounts (10 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-38k ▼202%
Net result drops to €-38k, the lowest in the series.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €69k ▲109%
Operating result €71k, net result €69k, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
21-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
06-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
01-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
15-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Puurs-Sint-Amands · 2 establishment units since 1988
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.
Dendermondsesteenweg 952870 Puurs-Sint-AmandsGround area
2,112 m²
Building footprint
728 m²
Volume, LiDAR
4,781 m³
2 parcels, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
GARAGE DE WOLF BVBA
since 19882.038.260.109
GARAGE DE WOLF BVBA
since 19952.038.260.208
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12015D0433/00S000 | Flanders | 1,172 m² | 1 · 249 m² | 8.9 m · 2 fl. |
| 12022B0047/00V000 | Flanders | 941 m² | 1 · 479 m² | 7.8 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
2023 · 2 entries · 2,224 EUR awarded · 2,224 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 2 | 2,224 EUR | 2,224 EUR |
Schemes
Hinderpremie bij openbare werken
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 7,342 companies in sector 95311 we hold annual accounts for 2,941. 2,178 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-05-1988
Fiscal year end31-12
Activities, NACEBEL
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50200
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47512Retail sale of household textiles and bedding
50103
52410
71100
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.