Garage Denis
ActiveSummary
Garage Denis has been active since 1972 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42k and a net result of €-25k. Equity is shrinking by ~15.7% per year across the filed fiscal years. Its solvency ranks better than 36% of 2544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability1▼-2
Solvency49▼-12
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.32 against 1.56 in 2024; short-term debt: 75.6% and cash: 3.6% of total assets), and 75.6% 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
24.4%
Return on assets
-14.6%
Age of the figures
18 mo
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 →
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
19202122232425
2019 to 2025 · latest year €-25k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 28-10-2025, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
6 d early
2023
8 d early
2022
6 d early
2021
1 d early
2020
4 d late
2019
33 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 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€42k▼ 37.3%
2024 · €68k
2019: €139k
2020: €139k
2021: €103k
2022: €106k
2023: €92k
2024: €68k
2019 → 2025
Total assets
€173k▼ 8.0%
2024 · €189k
2019: €205k
2020: €214k
2021: €201k
2022: €202k
2023: €197k
2024: €189k
2019 → 2025
Net result
€-25k▼ 4.8%
2024 · €-24k
2019: €-11k
2020: €289
2021: €-36k
2022: €3k
2023: €-14k
2024: €-24k
2019 → 2025
Working capital
€42k▼ 37.3%
2024 · €68k
2019: €138k
2020: €138k
2021: €102k
2022: €106k
2023: €91k
2024: €68k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€103k-€106k▲ 3.2%€92k▼ 13.5%€68k▼ 26.3%€42k▼ 37.3%
Operating result€-36k-€4k€-14k€-24k▼ 69.5%€-25k▼ 5.0%
Net result€-36k-€3k€-14k€-24k▼ 68.2%€-25k▼ 4.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €25k in 2025 against €24k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €173k
Fixed assets
€60 ▼ 40.0%
Current assets
€173k ▼ 8.0%
Equity and liabilities €173k
Equity
€42k ▼ 37.3%
Debt
€131k ▲ 8.3%
Debt's share of the balance-sheet total rises from 64.1% to 75.6%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
1.32▼
2024 · 1.56
Quick ratio
0.62▼
2024 · 0.86
Debt to equity
3.09▲
2024 · 1.79
ROE
-59.6%▼
2024 · -35.6%
ROA
-14.6%▼
2024 · -12.8%
Debt ≤ 1 year
€131k▲
2024 · €121k
Income taxes
€1▲
2024 · €1
Staff costs
€82k▼
2024 · €92k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€189k€173k▼
Fixed assets21/28€100€60▼
Financial fixed assets28€100€60▼
Current assets29/58€189k€173k▼
Stocks and contracts in progress3€85k€92k▲
Stocks30/36€85k€92k▲
Amounts receivable within one year40/41€88k€75k▼
Trade receivables40€88k€75k▼
Other amounts receivable41€448-
Current investments50/53€466-
Cash at bank and in hand54/58€14k€6k▼
Deferred charges and accrued income490/1€767€265▼
Equity and liabilities
Total equity and liabilities10/49€189k€173k▼
Equity10/15€68k€42k▼
Contributions10/11€93k€93k=
Reserves13€9k€9k=
Distributable reserves133€9k€9k=
Profit (loss) carried forward14€-35k€-60k▼
Amounts payable17/49€121k€131k▲
Amounts payable within one year42/48€121k€131k▲
Financial debts43€10k€10k=
Credit institutions430/8€10k€10k=
Trade debts44€13k€9k▼
Suppliers440/4€13k€9k▼
Taxes, remuneration and social security45€60k€69k▲
Taxes450/3€2k€2k▲
Remuneration and social security454/9€58k€67k▲
Other amounts payable47/48€37k€42k▲
Income statement
Code20242025
Remuneration, social security and pensions62€92k€82k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€149-
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€10k
Other operating charges640/8€6k€5k▼
Gross operating margin9900€74k€72k▼
Operating profit (loss)9901€-24k€-25k▼
Financial income75/76B€2€2▲
Recurring financial income75€2€2▲
Financial charges65/66B€283€248▼
Recurring financial charges65€283€248▼
Profit (loss) for the period before taxes9903€-24k€-25k▼
Income taxes67/77€1€1▲
Profit (loss) for the period9904€-24k€-25k▼
Profit (loss) for the period to be appropriated9905€-24k€-25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-35k€-60k▼
Profit (loss) brought forward from the previous period14P€-11k€-35k▼
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
2025
28-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
25-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
25-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
2021
30-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Weakest financial yearnet €-36k ▼12700%
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
2020
04-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
31-03
Financial
Back to profitnet €289
Net result €289 after one loss-making year.
2019
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
29-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
04-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
28-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Dour · 1 establishment unit since 1973
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 Boussu 1427370 DourGround area
431 m²
Building footprint
77 m²
Volume, LiDAR
536 m³
Parcel 53020A0036/00R002, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Boussu 142, 7370 Dour
since 19732.007.664.230
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53020A0036/00R002 | Wallonia | 431 m² | 1 · 77 m² | 9.0 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.
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NEILA SERAING
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L&L Performance
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Of 7,375 companies in sector 95311 we hold annual accounts for 2,959. 2,030 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
Founded15-11-1972
Fiscal year end31-03
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.