INTERMOTORS · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of INTERMOTORS is 0.6% (low). The 2025 annual accounts show equity of €907k and a net result of €85k. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 89% of 480 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Signals

3 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 89% of 480 peers (2025). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 01-10-2025, 30 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-03. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-03-2025, that is 31-10-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-03-2025	31-10-2025	01-10-2025	30 d early	2025-00528343
31-03-2024	31-10-2024	24-10-2024	7 d early	2024-00516858
31-03-2023	31-10-2023	24-10-2023	7 d early	2023-00495302
31-03-2022	31-10-2022	28-10-2022	3 d early	2022-20480613
31-03-2021	31-10-2021	27-10-2021	4 d early	2021-73900057
31-03-2020	31-10-2020	30-09-2020	31 d early	2020-57500075
31-03-2019	31-10-2019	27-09-2019	34 d early	2019-67100368
31-03-2018	31-10-2018	26-10-2018	5 d early	2018-70400139
31-03-2017	31-10-2017	02-10-2017	29 d early	2017-65900488
31-03-2016	31-10-2016	30-09-2016	31 d early	2016-63900368

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Established

Founded in 2007, 19 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.6% Low

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Long track record −Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€85k+3.4%

Working capital€522k+22.3%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 01-10-2025 with the NBB · fiscal year 2025 · verkort

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~8.7%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	76.1%	21.2%	better than 89% of 480 sector peers
Net result	€85k	€32k	better than 69% of 478 sector peers
Equity	€907k	€163k	better than 90% of 480 sector peers
Gross operating margin	€186k	€281k	better than 36% of 480 sector peers
Total assets	€1.19M	€900k	better than 61% of 480 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P89

Improving position over 2020-2025 · n=480-1230

Net result P69

Stable position over 2020-2025 · n=478-1229

Equity P90

Stable position over 2020-2025 · n=480-1230

Gross operating margin P36

Stable position over 2020-2025 · n=480-1228

Describes the position versus peers, not a forecast.

EBITDA

€171k

+2.3% 19-25

Net profit

€85k

+3.4% 19-25

Cash flow

€123k

+2.8% 19-25

Total assets

€1.19M

+2.2% 19-25

Equity

€907k

+10.4% 19-25

Working capital

€522k

+22.3% 19-25

Income taxes

€42k

+5.3% 19-25

Debt

€285k

-17.3% 19-25

Show 9 other metrics

Debt ≤ 1y

€117k

-22.1% 19-25

Debt > 1y

€168k

-13.6% 19-25

Current ratio

5.47

+42.2% 19-25

Quick ratio

3.72

+41.0% 19-25

Solvency

76.1%

+8.0% 19-25

Debt / equity

0.31

-25.1% 19-25

ROE

9.4%

-6.3% 19-25

ROA

7.1%

+1.1% 19-25

Interest coverage

23.87

+22.5% 19-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	verkort
Revenue	-
EBITDA	€171k
Net profit	€85k
Cash flow	€123k
Staff costs	-
Income taxes	€42k
Dividends	-
Total assets	€1.19M
Equity	€907k
Debt	€285k
of which ≤ 1y	€117k
of which > 1y	€168k
Working capital	€522k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	5.47
Quick ratio	3.72
Working capital ratio	43.8%
Solvency	76.1%
Debt / equity	0.31
Long-term debt ratio	0.19
Interest coverage	23.87
Gross margin	-
Net margin	-
ROA	7.1%
ROE	9.4%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €553k · 46.4% Current assets €639k · 53.6%

Equity & liabilities

Equity €907k · 76.1% Debt €285k · 23.9%

Full annual accounts (24 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.19M
Fixed assets	21/28	€553k
Tangible fixed assets	22/27	€553k
Current assets	29/58	€639k
Stocks & contracts in progress	3	€204k
Amounts receivable within one year	40/41	€19k
Cash & bank	54/58	€409k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.19M
Equity	10/15	€907k
Contributions / capital	10/11	€19k
Reserves	13	€247k
Accumulated profits (losses)	14	€642k
Amounts payable	17/49	€285k
Amounts payable after one year	17	€168k
Amounts payable within one year	42/48	€117k
Trade debts payable within one year	44	€3k
Income statement
Gross operating margin	9900	€186k
Operating result	9901	€133k
Financial income	75	€700
Financial charges	65	€7k
Result before taxes	9903	€127k
Income taxes	67/77	€42k
Net result for the period	9904	€85k
Result to be appropriated	9905	€85k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

94 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Establishment units

1 location

Intermotors - Carwash N9

Grote Baan 143, 9920 Lievegemde kleinhandel in nieuwe en gebruikte auto's voor personenvervoer,inclusief die voor bijzondere doeleinden (vb ambulances)

since 20072.160.950.558

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area2,156 m²

Buildings1

Building footprint385 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44452B0990/00K000	Flanders	2,156 m²	1 · 385 m²	-

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts

All acts · 1 updated 2 years ago

2023

21-12-2023 Change in the board of directors Director changes·Bernard Vanderplaetsen

Notary: Bernard Vanderplaetsen · Lievegem

Original publication ↗

Analysis

Financial profile

5 of 5 axes measured

79 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 94

Profitability 47

Solvency 100

Growth 52

Stability 100

Credit advice

verdict per customer and amount

Similar

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We hold annual accounts for 1,125 of the 10,652 companies in this sector. 354 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)45113Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811Detailhandel in motorvoertuigen50103Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (= 3,5 ton)45201Wassen en poetsen van motorvoertuigen45206Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton)95311Wassen en poetsen van motorvoertuigen95316

Primary activity highlighted.

Names & trade names

Legal nameNL

INTERMOTORS

Registered office

Grote Baan 143

9920 Lievegem, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.