MBS AUTOMOBILE
ActiveMBS AUTOMOBILE has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €124k and a net result of €181k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 4147 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+61
Solvency32▲+11
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.21 against 1.21 in 2024; short-term debt: 71.1% and cash: 3.8% of total assets), and 92.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
7.3%
Return on assets
10.7%
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 4147 sector peers (2025).
NBB · sector comparisonPosition among 4147 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-02-2026, 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.
NBB · 10 filingsDeviation from the deadline
2025
26 d late
2024
7 d late
2023
1 d late
2022
62 d early
2021
74 d early
2020
9 d early
2019
137 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 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€6.48M
EBIT margin
1.7%
Net result
€181k▲ 640%
2024 · €24k
2019: €65k
2020: €-29k
2021: €269k
2022: €98k
2023: €-100k
2024: €24k
2019 → 2025
Working capital
€251k▲ 36.6%
2024 · €183k
2019: €737k
2020: €602k
2021: €536k
2022: €508k
2023: €619k
2024: €183k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€420k-€19k▼ 95.6%€-81k€-57k▲ 30.1%€124k
Operating result€380k-€164k▼ 56.8%€-91k€-15k▲ 83.0%€250k
Net result€269k-€98k▼ 63.6%€-100k€24k€181k▲ 640%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €250k after a loss of €15k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.70M
Fixed assets
€241k▲ 0.6%
Current assets
€1.46M▲ 38.1%
Equity and liabilities €1.70M
Equity
€124k
Debt
€1.57M
Debt finances 92.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€256k▲
2024 · €-336
Cash flow
€188k▲
2024 · €40k
Solvency
7.3%▲
2024 · -4.4%
Current ratio
1.21▼
2024 · 1.21
Quick ratio
0.63▲
2024 · 0.50
Debt / equity
12.65▲
2024 · -23.80
ROE
145.6%
ROA
10.7%▲
2024 · 1.9%
Interest coverage
25.56▲
2024 · -0.01
Debt
€1.57M▲
2024 · €1.35M
Debt ≤ 1 year
€1.21M▲
2024 · €872k
Debt > 1 year
€364k▼
2024 · €475k
Income taxes
€59k▲
2024 · €-126
Staff costs
€68k▼
2024 · €84k
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€1.30M€1.70M▲
Fixed assets21/28€239k€241k▲
Intangible fixed assets21€1k-
Tangible fixed assets22/27€34k€37k▲
Plant, machinery and equipment23€1k€188▼
Furniture and vehicles24€28k€34k▲
Other tangible fixed assets26€5k€3k▼
Financial fixed assets28€204k€204k=
Current assets29/58€1.06M€1.46M▲
Stocks and contracts in progress3€622k€697k▲
Stocks30/36€622k€697k▲
Amounts receivable within one year40/41€352k€689k▲
Trade receivables40€346k€413k▲
Other amounts receivable41€5k€276k▲
Cash at bank and in hand54/58€76k€65k▼
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€1.30M€1.70M▲
Equity10/15€-57k€124k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-75k€106k▲
Amounts payable17/49€1.35M€1.57M▲
Amounts payable after more than one year17€475k€364k▼
Financial debts170/4€75k€64k▼
Other amounts payable178/9€400k€300k▼
Amounts payable within one year42/48€872k€1.21M▲
Current portion of amounts payable after more than one year42€11k€11k▼
Financial debts43€415k€469k▲
Credit institutions430/8€412k€469k▲
Other loans439€3k-
Trade debts44€188k€577k▲
Suppliers440/4€188k€577k▲
Advances received on contracts in progress46-€60k
Taxes, remuneration and social security45€37k€71k▲
Taxes450/3€23k€66k▲
Remuneration and social security454/9€14k€5k▼
Other amounts payable47/48€222k€19k▼
Accrued charges and deferred income492/3€5k€3k▼
Income statement
Code20242025
Remuneration, social security and pensions62€84k€68k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€6k▼
Other operating charges640/8€10k€19k▲
Gross operating margin9900€94k€343k▲
Operating profit (loss)9901€-15k€250k▲
Financial income75/76B€65k€528▼
Recurring financial income75€65k€528▼
Financial charges65/66B€25k€10k▼
Recurring financial charges65€25k€10k▼
Profit (loss) for the period before taxes9903€24k€240k▲
Income taxes67/77€-126€59k▲
Profit (loss) for the period9904€24k€181k▲
Profit (loss) for the period to be appropriated9905€24k€181k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-75k€106k▲
Profit (loss) brought forward from the previous period14P€-100k€-75k▲
Social balance
Average headcount (FTE)90872.01.4▼
The notes to these accounts (18 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
26-02
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 26 days late
2025
30-06
Financial
Equity above €100kEq €124k
2 profitable years in a row build equity to €124k.
07-02
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 7 days late
2024
30-06
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
01-02
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 1 day late
2023
30-06
Financial
Weakest financial yearnet €-100k ▼202%
Net result drops to €-100k, the lowest in the series; recovery starts the following year.
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
18-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
30-06
Financial
Back to profitnet €269k
Net result €269k after one loss-making year.
22-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2019
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
02-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
13-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
13-12
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Grâce-Hollogne · 1 establishment unit since 2013
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 Mathieu de Lexhy 934460 Grâce-HollogneGround area
420 m²
Building footprint
62 m²
Volume, LiDAR
499 m³
Parcel 62046A0236/00D000, Wallonia · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MBS AUTOMOBILE
since 20132.223.550.202
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62046A0236/00D000 | Wallonia | 420 m² | 1 · 62 m² | 9.3 m · 3 fl. |
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.
Similar companies · same sector, comparable size
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BE 0897.685.312
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BE 0508.567.535
Mont-Saint-Guibert · Eq €124k
Berth Johnny
BE 0841.664.743
Zele · Eq €125k
GOEDERT MANUTENTION
BE 0861.292.395
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Ets AUTO-POL
BE 0654.876.890
Overijse · Eq €125k
Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 3,691 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded16-10-2013
Fiscal year end30-06
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.