Garage FVN
ActiveGarage FVN has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €173k and a net result of €20k. Equity is growing by ~16.3% per year across the filed fiscal years. Its solvency ranks better than 84% of 18035 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▲+24
Solvency100▲+2
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 3.35 against 2.09 in 2024), and 24% 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
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
76%
Return on assets
8.8%
Age of the figures
15 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 20-01-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
8 d early
2023
8 d early
2022
6 d early
2021
11 d early
2020
2 d early
2019
112 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€173k▲ 13.2%
2024 · €153k
2019: €64k
2020: €73k
2021: €96k
2022: €118k
2023: €142k
2024: €153k
2019 → 2025
Total assets
€227k▼ 13.5%
2024 · €263k
2019: €133k
2020: €196k
2021: €183k
2022: €164k
2023: €217k
2024: €263k
2019 → 2025
Net result
€20k▲ 96.4%
2024 · €10k
2019: €11k
2020: €9k
2021: €23k
2022: €9k
2023: €25k
2024: €10k
2019 → 2025
Working capital
€128k▲ 9.6%
2024 · €117k
2019: €54k
2020: €56k
2021: €75k
2022: €87k
2023: €102k
2024: €117k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€96k-€118k▲ 22.6%€142k▲ 20.8%€153k▲ 7.2%€173k▲ 13.2%
Operating result€34k-€15k▼ 56.3%€40k▲ 174%€17k▼ 57.3%€31k▲ 81.7%
Net result€23k-€9k▼ 59.8%€25k▲ 163%€10k▼ 58.3%€20k▲ 96.4%
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 2025; 2025 is 82% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €227k
Fixed assets
€45k▲ 16.6%
Current assets
€183k▼ 18.6%
Equity and liabilities €227k
Equity
€173k▲ 13.2%
Debt
€55k▼ 50.4%
The debt ratio falls from 41.9% to 24.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€44k▲
2024 · €29k
Cash flow
€33k▲
2024 · €22k
Solvency
76.0%▲
2024 · 58.1%
Current ratio
3.35▲
2024 · 2.09
Quick ratio
2.94▲
2024 · 2.01
Debt / equity
0.32▼
2024 · 0.72
ROE
11.6%▲
2024 · 6.7%
ROA
8.8%▲
2024 · 3.9%
Interest coverage
63.67▲
2024 · 62.63
Debt
€55k▼
2024 · €110k
Debt ≤ 1 year
€55k▼
2024 · €108k
Income taxes
€11k▲
2024 · €6k
Staff costs
€109k▲
2024 · €107k
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€263k€227k▼
Fixed assets21/28€38k€45k▲
Tangible fixed assets22/27€38k€45k▲
Land and buildings22€17k€20k▲
Plant, machinery and equipment23€7k€14k▲
Furniture and vehicles24€14k€10k▼
Current assets29/58€224k€183k▼
Stocks and contracts in progress3€8k€22k▲
Stocks30/36€8k€22k▲
Amounts receivable within one year40/41€56k€31k▼
Trade receivables40€56k€31k▼
Cash at bank and in hand54/58€160k€129k▼
Deferred charges and accrued income490/1€0€570▲
Equity and liabilities
Total equity and liabilities10/49€263k€227k▼
Equity10/15€153k€173k▲
Contributions10/11€19k€19k=
Reserves13€133k€153k▲
Distributable reserves133€133k€153k▲
Profit (loss) carried forward14€1k€1k=
Amounts payable17/49€110k€55k▼
Amounts payable within one year42/48€108k€55k▼
Trade debts44€81k€34k▼
Suppliers440/4€81k€34k▼
Taxes, remuneration and social security45€20k€18k▼
Taxes450/3€10k€15k▲
Remuneration and social security454/9€11k€3k▼
Other amounts payable47/48€6k€3k▼
Accrued charges and deferred income492/3€3k-
Income statement
Code20242025
Remuneration, social security and pensions62€107k€109k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€13k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€139k€155k▲
Operating profit (loss)9901€17k€31k▲
Financial income75/76B€10€514▲
Recurring financial income75€10€514▲
Financial charges65/66B€468€691▲
Recurring financial charges65€468€691▲
Profit (loss) for the period before taxes9903€17k€31k▲
Income taxes67/77€6k€11k▲
Profit (loss) for the period9904€10k€20k▲
Profit (loss) for the period to be appropriated9905€10k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€21k▲
Profit (loss) brought forward from the previous period14P€1k€1k=
Transfer to equity691/2€10k€20k▲
To other reserves6921€10k€20k▲
The notes to these accounts (6 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
20-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Equity above €150kEq €153k ▲7.2%
6 profitable years in a row build equity to €153k.
23-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2019net €25k ▲163%
Operating result €40k, net result €25k, both a record.
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Equity above €100kEq €118k ▲22.6%
4 profitable years in a row build equity to €118k.
20-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €9k ▼20.9%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
2019
11-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
03-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
24-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
16-12
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
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, Deinze · 1 establishment unit since 2014
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.
Beekstraat 1089800 DeinzeGround area
8.1 ha
Building footprint
5,755 m²
Volume, LiDAR
52,389 m³
2 parcels, Flanders, Wallonia · tallest building 18.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Garage FVN
since 20142.237.176.029
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25743G0205/00T000 | Wallonia | 7.9 ha | 1 · 5,444 m² | 18.9 m · 3 fl. |
| 44004A0269/00F000 | Flanders | 2,154 m² | 1 · 311 m² | 6.2 m · 1 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.
Similar companies · same sector, comparable size
KOEKLENBERG AUTOMOTIVE RETAIL SERVICES
BE 0669.840.725
Schoten · Eq €173k
NUMBER ONE CARS
BE 0878.381.718
Lochristi · Eq €173k
HEDA MOTORS
BE 0816.759.794
Ravels · Eq €173k
THORAN
BE 0774.771.266
Leuven · Eq €173k
MAGINET BJORN
BE 0773.747.719
Brakel · Eq €173k
Of 10,615 companies in sector 47811 we hold annual accounts for 5,192. 3,706 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-12-2014
Fiscal year end30-06
Activities, NACEBEL
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 · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.