HD AUTO

Active

Private limited companyfounded 20206 yrs activeRue de Sas(SG) 84, 7330 Saint-Ghislain, BelgiumKBO/BCE: BE 0749.590.264

The computed 12-month bankruptcy probability of HD AUTO is 1.9% (moderate). The 2024 annual accounts show equity of €518k and a net result of €76k. Equity is growing by ~20.2% per year across the filed fiscal years. Its solvency ranks better than 44% of 26043 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Watch Print / PDF

Checked score

Score 2024

51 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability74▲+2

Solvency51▲+5

Growth52=

Track record100

Bankruptcy probability, 12 months

1.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €25k at 30 days acceptable

Liquidity tight (current ratio 1.2 against 1.21 in 2023; short-term debt: 66.1% and cash: 4.3% of total assets), and 74.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-09-2025, 55 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 · 4 filings

Deviation from the deadline

2025

not confirmed

2024

55 d late

2023

89 d late

2022

153 d late

2021

179 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€76k▲ 37.7%

2023 · €55k

2021: €239k 2022: €142k 2023: €55k

2021 → 2024

Working capital

€264k▼ 11.4%

2023 · €298k

2021: €116k 2022: €233k 2023: €298k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Equity€244k-€386k▲ 58.2%€442k▲ 14.3%€518k▲ 17.3%

Operating result€320k-€185k▼ 42.0%€84k▼ 54.6%€113k▲ 34.6%

Net result€239k-€142k▼ 40.6%€55k▼ 61.0%€76k▲ 37.7%

Result per fiscal year

Operating resultNet result

The operating result recovers in 2024; 2024 is 35% above 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €2.00M

20.8%

79.2%

Fixed assets €416k▲ 21.6%

Current assets €1.59M▼ 7.6%

Equity and liabilities €2.00M

25.9%

74.1%

Equity €518k▲ 17.3%

Debt €1.48M▼ 8.2%

The debt ratio falls from 78.6% to 74.1%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€115k▲

2023 · €85k

Cash flow

€78k▲

2023 · €56k

Solvency

25.9%▲

2023 · 21.4%

Current ratio

1.20▼

2023 · 1.21

Quick ratio

0.78▲

2023 · 0.41

Debt / equity

2.87▼

2023 · 3.66

ROE

14.7%▲

2023 · 12.5%

ROA

3.8%▲

2023 · 2.7%

Interest coverage

10.37▲

2023 · 8.71

Debt

€1.48M▼

2023 · €1.62M

Debt ≤ 1 year

€1.32M▼

2023 · €1.42M

Debt > 1 year

€162k▼

2023 · €198k

Income taxes

€26k▲

2023 · €19k

Staff costs

€20k▼

2023 · €21k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€2.06M€2.00M▼

Fixed assets21/28€342k€416k▲

Tangible fixed assets22/27€2k€76k▲

Land and buildings22-€29k

Plant, machinery and equipment23-€47k

Furniture and vehicles24€2k-

Financial fixed assets28€340k€340k=

Current assets29/58€1.72M€1.59M▼

Stocks and contracts in progress3€1.14M€561k▼

Stocks30/36€1.14M€561k▼

Amounts receivable within one year40/41€561k€939k▲

Trade receivables40€359k€859k▲

Other amounts receivable41€202k€80k▼

Cash at bank and in hand54/58€20k€87k▲

Deferred charges and accrued income490/1-€192

Equity and liabilities

Total equity and liabilities10/49€2.06M€2.00M▼

Equity10/15€442k€518k▲

Contributions10/11€5k€5k=

Reserves13€437k€513k▲

Distributable reserves133€437k€513k▲

Amounts payable17/49€1.62M€1.48M▼

Amounts payable after more than one year17€198k€162k▼

Financial debts170/4€198k€162k▼

Amounts payable within one year42/48€1.42M€1.32M▼

Current portion of amounts payable after more than one year42€136k€137k▲

Trade debts44€1.09M€855k▼

Suppliers440/4€1.09M€855k▼

Advances received on contracts in progress46€13k€83k▲

Taxes, remuneration and social security45€50k€121k▲

Taxes450/3€47k€120k▲

Remuneration and social security454/9€3k€2k▼

Other amounts payable47/48€129k€128k▼

Income statement Code20232024

Remuneration, social security and pensions62€21k€20k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲

Other operating charges640/8€10k€10k▲

Gross operating margin9900€116k€145k▲

Operating profit (loss)9901€84k€113k▲

Financial income75/76B€1€31▲

Recurring financial income75€1€31▲

Financial charges65/66B€10k€11k▲

Recurring financial charges65€10k€11k▲

Profit (loss) for the period before taxes9903€74k€102k▲

Income taxes67/77€19k€26k▲

Profit (loss) for the period9904€55k€76k▲

Profit (loss) for the period to be appropriated9905€55k€76k▲

Appropriation of the result

Profit (loss) to be appropriated9906€437k€76k▼

Profit (loss) brought forward from the previous period14P€381k-

Transfer to equity691/2€437k€76k▼

To other reserves6921€437k€76k▼

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 6Financial 2Filings 4

2025

24-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 55 days late

2024

31-12

Financial Equity above €500kEq €518k ▲17.3%

4 profitable years in a row build equity to €518k.

28-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 89 days late

2023

31-12

Financial Weakest financial yearnet €55k ▼61%

Net result drops to €55k, the lowest in the series; recovery starts the following year.

31-12

NBB filing Annual accounts filed

fiscal year 2022 · full schema · 153 days late

26-01

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 179 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, Saint-Ghislain · 1 establishment unit since 2020

establishment The establishment unit on the map

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 Sas(SG) 847330 Saint-Ghislain

Ground area

1,453 m²

Parcel 53070A0167/00V000, Wallonia. Linked by address, not a title deed.

1 establishment unit

HD Auto

Rue de Sas(SG) 84, 7330 Saint-GhislainNACE 45201

since 20202.312.752.192

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
53070A0167/00V000	Wallonia	1,453 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.

Structure & network

Connections & network

1 connected company

Network connections

CECAMAX

Shared address

→

Similar companies · same sector, comparable size

GARAGE TORFS

BE 0420.958.818

Westerlo · Eq €519k

AUTOHANDEL VERHOLEN EN ZONEN

Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 3,427 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded30-06-2020

Fiscal year end31-12

Activities, NACEBEL

47811Retail sale of cars and light vans (up to 3.5 tonnes)

45112

95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)

46180Agents specialised in the wholesale of other particular products

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

1 entry

E-mail:hdauto17@hotmail.com

Enterprise