MNB AUTO PARTNER
ActiveSummary
The computed 12-month bankruptcy probability of MNB AUTO PARTNER is 1.9% (moderate). The 2025 annual accounts show equity of €160k and a net result of €48k. Equity is growing by ~41.9% per year across the filed fiscal years. Its solvency ranks better than 64% of 3539 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▼-7
Solvency65▼-12
Growth78=
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.42 against 1.56 in 2024; short-term debt: 59.9% and cash: 51.6% of total assets), and 59.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-09-2026, 54 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 · 5 filingsDeviation from the deadline
2025
54 d late
2024
68 d late
2023
159 d late
2022
5 d late
2021
15 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€160k▲ 5.1%
2024 · €152k
2021: €12k
2022: €61k
2023: €101k
2024: €152k
2021 → 2025
Total assets
€400k▲ 36.2%
2024 · €293k
2021: €95k
2022: €133k
2023: €218k
2024: €293k
2021 → 2025
Net result
€48k▼ 7.4%
2024 · €52k
2021: €7k
2022: €49k
2023: €40k
2024: €52k
2021 → 2025
Working capital
€100k▲ 28.0%
2024 · €78k
2021: €-14k
2022: €39k
2023: €56k
2024: €78k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€61k▲ 400%€101k▲ 65.9%€152k▲ 51.3%€160k▲ 5.1%
Operating result€10k-€63k▲ 531%€53k▼ 16.2%€57k▲ 7.3%€79k▲ 39.6%
Net result€7k-€49k▲ 580%€40k▼ 17.6%€52k▲ 29.0%€48k▼ 7.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 40% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €400k
Fixed assets
€60k ▼ 19.2%
Current assets
€340k ▲ 54.9%
Equity and liabilities €400k
Equity
€160k ▲ 5.1%
Debt
€239k ▲ 69.8%
Debt's share of the balance-sheet total rises from 48.1% to 59.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€112k▲
2024 · €81k
Cash flow
€81k▲
2024 · €77k
Current ratio
1.42▼
2024 · 1.56
Debt to equity
1.49▲
2024 · 0.93
ROE
29.8%▼
2024 · 33.9%
ROA
12.0%▼
2024 · 17.6%
Interest coverage
170.15▲
2024 · 16.67
Debt ≤ 1 year
€239k▲
2024 · €141k
Income taxes
€30k
Staff costs
€104k▲
2024 · €45k
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 · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€293k€400k▲
Fixed assets21/28€74k€60k▼
Intangible fixed assets21€23k€7k▼
Tangible fixed assets22/27€51k€52k▲
Plant, machinery and equipment23€7k€6k▼
Furniture and vehicles24€44k€47k▲
Current assets29/58€219k€340k▲
Amounts receivable within one year40/41€96k€133k▲
Trade receivables40€37k€54k▲
Other amounts receivable41€59k€79k▲
Cash at bank and in hand54/58€123k€206k▲
Deferred charges and accrued income490/1€673€532▼
Equity and liabilities
Total equity and liabilities10/49€293k€400k▲
Equity10/15€152k€160k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€147k€155k▲
Amounts payable17/49€141k€239k▲
Amounts payable within one year42/48€141k€239k▲
Trade debts44€95k€150k▲
Suppliers440/4€29k€150k▲
Bills of exchange payable441€66k-
Taxes, remuneration and social security45€25k€56k▲
Taxes450/3€21k€42k▲
Remuneration and social security454/9€4k€14k▲
Other amounts payable47/48€21k€33k▲
Income statement
Code20242025
Remuneration, social security and pensions62€45k€104k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€33k▲
Other operating charges640/8€8k€13k▲
Gross operating margin9900€134k€229k▲
Operating profit (loss)9901€57k€79k▲
Financial income75/76B€26€21▼
Recurring financial income75€26€21▼
Financial charges65/66B€5k€658▼
Recurring financial charges65€5k€658▼
Profit (loss) for the period before taxes9903€52k€78k▲
Income taxes67/77-€30k
Profit (loss) for the period9904€52k€48k▼
Profit (loss) for the period to be appropriated9905€52k€48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€147k€195k▲
Profit (loss) brought forward from the previous period14P€96k€147k▲
Profit to be distributed694/7-€40k
Return on contributions (dividend)694-€40k
The notes to these accounts (12 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
23-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 54 days late
2025
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 68 days late
06-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 159 days late
2024
31-12
Financial
Highest result since 2021net €52k ▲29%
Net result €52k, the highest in the series.
31-12
Financial
Equity above €150kEq €152k ▲51.3%
4 profitable years in a row build equity to €152k.
2023
31-12
Financial
Equity above €100kEq €101k ▲65.9%
3 profitable years in a row build equity to €101k.
05-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 5 days late
2022
15-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 15 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Ukkel · 1 establishment unit since 2020
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.
Stallestraat 271180 UkkelGround area
876 m²
Building footprint
311 m²
Volume, LiDAR
2,247 m³
Parcel 21616A0139/00T000, Brussels · tallest building 14.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MIDAS
since 20202.309.871.292
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21616A0139/00T000 | Brussels | 876 m² | 1 · 311 m² | 14.9 m · 2 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
JCS CARS
BE 0832.109.451
Zedelgem · Eq €152,461
BEL-AIR
BE 0427.934.405
Eupen · Eq €152,326
DOMBILI
BE 0890.233.534
Schaarbeek · Eq €152,269
AUTO TOTAAL REPAIR
BE 0838.605.382
Dilsen-Stokkem · Eq €152,246
GARAGE E&E
BE 0746.611.374
Sint-Lambrechts-Woluwe · Eq €152,953
Of 7,375 companies in sector 95311 we hold annual accounts for 2,959. 2,339 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
Founded22-10-2020
Fiscal year end31-12
Activities, NACEBEL 2025
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
46180Agents specialised in the wholesale of other particular products
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.