J.F. AUTOS
ActiveSummary
J.F. AUTOS has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €577k and a net result of €42k. Equity is growing by ~16.6% per year across the filed fiscal years. Its solvency ranks better than 53% of 15869 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability73▼-2
Solvency69▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days only on tighter terms
Liquidity ample (current ratio 1.77 against 1.48 in 2023; short-term debt: 56.3% and cash: 11.1% of total assets), but 56.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-12-2025, 130 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
130 d late
2023
495 d late
2022
301 d late
2021
114 d late
2019
153 d late
2017
153 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€577k▲ 7.9%
2023 · €535k
2019: €187k
2021: €399k
2022: €455k
2023: €535k
2019 → 2024
Total assets
€1.32M▼ 19.7%
2023 · €1.65M
2019: €537k
2021: €592k
2022: €821k
2023: €1.65M
2019 → 2024
Net result
€42k▼ 47.0%
2023 · €79k
2019: €5k
2021: €199k
2022: €57k
2023: €79k
2019 → 2024
Working capital
€574k▲ 8.0%
2023 · €532k
2019: €172k
2021: €453k
2022: €508k
2023: €532k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192021202220232024Trend
Equity€187k-€399k▲ 114%€455k▲ 14.2%€535k▲ 17.4%€577k▲ 7.9%
Operating result€6k-€209k▲ 3,423%€64k▼ 69.4%€142k▲ 121%€83k▼ 41.5%
Net result€5k-€199k▲ 3,529%€57k▼ 71.6%€79k▲ 40.3%€42k▼ 47.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 41% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.32M
Fixed assets
€2k ▼ 19.0%
Current assets
€1.32M ▼ 19.7%
Equity and liabilities €1.32M
Equity
€577k ▲ 7.9%
Debt
€744k ▼ 33.0%
Debt's share of the balance-sheet total falls from 67.5% to 56.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€84k▼
2023 · €143k
Cash flow
€43k▼
2023 · €81k
Current ratio
1.77▲
2023 · 1.48
Quick ratio
1.12▲
2023 · 1.05
Debt to equity
1.29▼
2023 · 2.08
ROE
7.3%▼
2023 · 14.8%
ROA
3.2%▼
2023 · 4.8%
Interest coverage
141.74▼
2023 · 266.19
Debt ≤ 1 year
€744k▼
2023 · €1.11M
Income taxes
€40k▼
2023 · €62k
Staff costs
€79
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 · 2024 against 2023 · 45 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.65M€1.32M▼
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€0€453▲
Furniture and vehicles24€3k€2k▼
Current assets29/58€1.64M€1.32M▼
Stocks and contracts in progress3€481k€483k▲
Stocks30/36€481k€483k▲
Amounts receivable within one year40/41€1.13M€690k▼
Trade receivables40€649k€676k▲
Other amounts receivable41€476k€14k▼
Cash at bank and in hand54/58€36k€146k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€1.65M€1.32M▼
Equity10/15€535k€577k▲
Contributions10/11€12k€12k=
Reserves13€242k€267k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€240k€265k▲
Profit (loss) carried forward14€280k€297k▲
Amounts payable17/49€1.11M€744k▼
Amounts payable within one year42/48€1.11M€744k▼
Current portion of amounts payable after more than one year42€4k€4k=
Trade debts44€415k€536k▲
Suppliers440/4€415k€536k▲
Advances received on contracts in progress46€164k€164k=
Taxes, remuneration and social security45€511k€40k▼
Taxes450/3€511k€40k▼
Other amounts payable47/48€18k-
Income statement
Code20232024
Remuneration, social security and pensions62-€79
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€997▼
Other operating charges640/8€85€4k▲
Gross operating margin9900€143k€88k▼
Operating profit (loss)9901€142k€83k▼
Financial charges65/66B€538€593▲
Recurring financial charges65€538€593▲
Profit (loss) for the period before taxes9903€141k€82k▼
Income taxes67/77€62k€40k▼
Profit (loss) for the period9904€79k€42k▼
Profit (loss) for the period to be appropriated9905€79k€42k▼
Appropriation of the result
Profit (loss) to be appropriated9906€350k€322k▼
Profit (loss) brought forward from the previous period14P€271k€280k▲
Transfer to equity691/2€70k€25k▼
To other reserves6921€70k€25k▼
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
2025
08-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 130 days late
08-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 495 days late
2024
27-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 301 days late
2023
31-12
Financial
Equity above €500kEq €535k ▲17.4%
4 profitable years in a row build equity to €535k.
2022
22-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 114 days late
2021
31-12
Financial
Highest result since 2019net €199k ▲3529%
Operating result €209k, net result €199k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 4.29
Current ratio from 1.49 to 4.29; short-term debt falls from €350k to €137k.
31-12
Financial
Equity above €200kEq €399k ▲114%
2 profitable years in a row build equity to €399k.
2020
31-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 153 days late
2018
31-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 153 days late
2017
31-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 153 days late
2015
31-12
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 153 days late
2013
31-12
NBB filing
Annual accounts filed
fiscal year 2012 · full schema · 153 days late
23-07
NBB filing
Annual accounts filed
fiscal year 2011 · full schema · 357 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, Wavre · 2 establishment units since 2010
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 l'Amitié 51300 WavreGround area
7,527 m²
Building footprint
807 m²
Volume, LiDAR
4,600 m³
3 parcels, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
J.F. AUTOS
since 20102.191.045.205
JF AUTOS
since 20112.236.917.097
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25001C0059/03Z003 | Wallonia | 6,384 m² | 1 · 687 m² | 6.8 m · 2 fl. |
| 25006D0147/00K000 | Wallonia | 984 m² | 1 · 70 m² | 10.7 m · 3 fl. |
| 25055C0332/00N000 | Wallonia | 159 m² | 1 · 50 m² | 9.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 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
A-M Motors
BE 0819.911.405
Lebbeke · Eq €577k
DENTRADO
BE 0820.368.095
Wuustwezel · Eq €583k
AUTO'S VAN WASSENHOVE
BE 0473.182.727
Merelbeke-Melle · Eq €587k
GTO AUTOMOTIVE
BE 0875.527.938
Oudenaarde · Eq €592k
SELECTED CARS
BE 0822.839.716
Ingelmunster · Eq €593k
Of 2,128 companies in sector 46711 we hold annual accounts for 1,126. 669 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
Founded02-07-2010
Fiscal year end31-12
Activities, NACEBEL 2025
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
52210Service activities incidental to land transportation
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:jfautos@live.be