Age31 yrs
Real estate1 parcel · 351 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of MAXI CAR is 1.3% (low). The 2024 annual accounts show equity of €82k and a net result of €-38k. Equity is growing by ~39.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 6717 sector peers (fiscal year 2024). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 7 annual accounts.
Signals
2 signals · with evidencePersistent losses
Two consecutive loss-making years (2023 and 2024); equity fell accordingly. May indicate structural pressure on profitability.
View the result trend Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 95% of 6717 peers (2024). A comfortable equity buffer.
View the sector comparison 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-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 15 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 26 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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. 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 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 26-08-2025 | 26 d late | 2025-00407539 |
| 31-12-2023 | 31-07-2024 | 28-08-2024 | 28 d late | 2024-00400008 |
| 31-12-2022 | 31-07-2023 | 03-08-2023 | 3 d late | 2023-00314314 |
| 31-12-2021 | 31-07-2022 | 21-07-2022 | 10 d early | 2022-20209949 |
| 31-12-2020 | 31-07-2021 | 24-08-2021 | 24 d late | 2021-52400584 |
| 31-12-2019 | 31-07-2020 | 26-08-2020 | 26 d late | 2020-44800198 |
| 31-12-2018 | 31-07-2019 | 30-08-2019 | 30 d late | 2019-58200203 |
| 31-12-2017 | 31-07-2018 | 28-08-2018 | 28 d late | 2018-52400253 |
| 31-12-2016 | 31-07-2017 | 29-08-2017 | 29 d late | 2017-51600430 |
| 31-12-2015 | 31-07-2016 | 18-08-2016 | 18 d late | 2016-44000033 |
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 signalsLong-established
Founded in 1995, 31 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 everyone1.3%
Low
0%0,5%1,5%4%10%≥25%
Higher-failure-rate region
+Long track record
−Higher-failure-rate sector
+
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€-38k-92.9%
Working capital€78k-33.2%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 26-08-2025 with the NBB · fiscal year 2024 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~39.2%/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 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 94.2% | 20.4% | |
| Net result | €-38k | €4k | |
| Equity | €82k | €16k | |
| Gross operating margin | €-37k | €24k | |
| Total assets | €87k | €94k |
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).
P95
Improving position over 2020-2024
· n=1496-6717
P6
Weakening position over 2020-2024
· n=1490-6698
P82
Improving position over 2020-2024
· n=1499-6732
P5
Weakening position over 2020-2024
· n=1485-6677
Describes the position versus peers, not a forecast.
€-38k
-93.0%
18-24
€-38k
-92.9%
18-24
€-38k
-92.2%
18-24
€87k
-32.1%
18-24
€82k
-31.7%
18-24
€78k
-33.2%
18-24
€47k
+663.3%
18-24
€5k
-38.3%
18-24
Show 9 other metrics
€5k
-38.3%
18-24
€172k
-12.0%
18-24
16.37
+7.7%
18-24
10.96
+64.8%
18-24
94.2%
+0.6%
18-24
0.06
-9.7%
18-24
-46.4%
-182.4%
18-24
-43.7%
-184.2%
18-24
-233.34
-97.8%
18-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-38k |
| Net profit | €-38k |
| Cash flow | €-38k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €87k |
| Equity | €82k |
| Debt | €5k |
| of which ≤ 1y | €5k |
| of which > 1y | - |
| Working capital | €78k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 16.37 |
| Quick ratio | 10.96 |
| Working capital ratio | 89.0% |
| Solvency | 94.2% |
| Debt / equity | 0.06 |
| Long-term debt ratio | - |
| Interest coverage | -233.34 |
| Gross margin | - |
| Net margin | - |
| ROA | -43.7% |
| ROE | -46.4% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €87k |
| Fixed assets | 21/28 | €5k |
| Tangible fixed assets | 22/27 | €1k |
| Financial fixed assets | 28 | €4k |
| Current assets | 29/58 | €83k |
| Stocks & contracts in progress | 3 | €27k |
| Amounts receivable within one year | 40/41 | €2k |
| Cash & bank | 54/58 | €51k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €87k |
| Equity | 10/15 | €82k |
| Contributions / capital | 10/11 | €27k |
| Reserves | 13 | €100k |
| Accumulated profits (losses) | 14 | €-45k |
| Amounts payable | 17/49 | €5k |
| Amounts payable within one year | 42/48 | €5k |
| Income statement | ||
| Gross operating margin | 9900 | €-37k |
| Operating result | 9901 | €-38k |
| Financial income | 75 | €2 |
| Financial charges | 65 | €161 |
| Result before taxes | 9903 | €-38k |
| Net result for the period | 9904 | €-38k |
| Result to be appropriated | 9905 | €-38k |
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 2024 · computed52
/ 100
Fair
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 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationMAXI CAR SPRL
since 19952.073.106.764
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area351 m²
Buildings1
Building footprint109 m²
Volume (LiDAR)1,140 m³
Tallest building14.9 m · ±4 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21815D0114/00E006 | Brussels | 351 m² | 1 · 109 m² | 14.9 m · 4 fl. |
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
4 acts All acts · 4
updated 4 months ago
2026
03-04-2026 Act object · General meeting · Association membership · Officer appointment
- Filing: 2026-03-27 · MAXI CAR
- Publication: 2026-04-03 · MAXI CAR
- Act object: NOMINATION D'UN ASSOCIE NON-ACTIF · MAXI CAR
- General meeting: date: 2026-04-01, type: assemblée générale extraordinaire · MAXI CAR
- Association membership: role: associé non-actif, effective_date: 2026-04-01 · Userstam Elliot
- Officer appointment: role: Administrateur · Userstam Daniel
Summary:
Act object · General meeting · Association membership · Officer appointment
2023
28-08-2023 Change in the board of directors
Summary:
v3.2
2018
17-10-2018 Change in the board of directors
Summary:
v3.2
2016
04-02-2016 Change in the board of directors
Summary:
v3.2
Analysis
Financial profile
5 of 5 axes measured61
/ 100
Strong profile, led by solvency.
All 5 axes are computed from data Checked has read.
Health
52
Profitability
0
Solvency
100
Growth
52
Stability
100
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 1,125 of the 10,653 companies in this sector. 800 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)45113Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811Verhuur van overige transportmiddelen voor vervoer te land71210Groothandel in auto's en lichte bestelwagens (= 3,5 ton)45111Detailhandel in en onderhoud en reparatie van motorfietsen en delen en toebehoren van motorfietsen45402Groothandel in auto's en lichte bestelwagens (<= 3,5 ton)46711Detailhandel in motorbrandstoffen in gespecialiseerde winkels47300Detailhandel in motorbrandstoffen47300Detailhandel in motorrijwielen, delen en toebehoren van motorrijwielen47830Groothandel in motorvoertuigen50101Handel in en onderhoud en reparatie van motorrijwielen en onderdelen en toebehoren van motorrijwielen50400Detailhandel in motorbrandstoffen50500Verhuur van schepen71220Verhuur en lease van vrachtwagens en overige motorvoertuigen (> 3,5 ton)77120Verhuur en lease van vrachtwagens77120Verhuur en lease van schepen77340Verhuur en lease van transportmiddelen voor vervoer over water77340
Primary activity highlighted.
Names & trade names
| Legal nameFR | MAXI CAR |
Registered office
Moorsledestraat 13
1020 Brussel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.