St-Vincent Car Clean
ActiveSummary
St-Vincent Car Clean has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €176k and a net result of €98k. Equity is growing by ~13.5% per year across the filed fiscal years. Its solvency ranks better than 63% of 2544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency78▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 1.66 against 1.7 in 2024; short-term debt: 47.5% and cash: 30% of total assets), and 47.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
52.5%
Return on assets
29.2%
Age of the figures
9 mo
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 14-09-2026, 45 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
45 d late
2024
61 d late
2023
61 d late
2022
81 d late
2021
29 d late
2020
23 d late
2019
56 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
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€98k▼ 20.4%
2024 · €123k
2018: €42k
2019: €16k
2020: €-90
2021: €13k
2022: €-231
2023: €622
2024: €123k
2018 → 2025
Working capital
€105k▲ 13.5%
2024 · €93k
2018: €55k
2019: €53k
2020: €46k
2021: €61k
2022: €57k
2023: €58k
2024: €93k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€96k-€96k▼ 0.2%€96k▲ 0.6%€149k▲ 54.0%€176k▲ 18.3%
Operating result€32k-€7k▼ 78.6%€6k▼ 14.1%€148k▲ 2,441%€120k▼ 18.8%
Net result€13k-€-231€622€123k▲ 19,613%€98k▼ 20.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 19% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €334k
Fixed assets
€70k ▲ 5.7%
Current assets
€264k ▲ 16.7%
Equity and liabilities €334k
Equity
€176k ▲ 18.3%
Debt
€159k ▲ 10.1%
Debt's share of the balance-sheet total falls from 49.3% to 47.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€142k▼
2024 · €166k
Cash flow
€119k▼
2024 · €140k
Current ratio
1.66▼
2024 · 1.70
Quick ratio
1.38▼
2024 · 1.61
Debt to equity
0.90▼
2024 · 0.97
ROE
55.5%▼
2024 · 82.5%
ROA
29.2%▼
2024 · 41.9%
Interest coverage
17.30▼
2024 · 44.56
Debt ≤ 1 year
€159k▲
2024 · €133k
Income taxes
€16k▼
2024 · €22k
Staff costs
€61k▼
2024 · €71k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€293k€334k▲
Fixed assets21/28€66k€70k▲
Tangible fixed assets22/27€66k€70k▲
Land and buildings22€98-
Plant, machinery and equipment23€43k€44k▲
Furniture and vehicles24€8k€5k▼
Other tangible fixed assets26€15k€21k▲
Financial fixed assets28€363€363=
Current assets29/58€226k€264k▲
Stocks and contracts in progress3€12k€45k▲
Stocks30/36€12k€45k▲
Amounts receivable within one year40/41€69k€78k▲
Trade receivables40€58k€47k▼
Other amounts receivable41€11k€31k▲
Cash at bank and in hand54/58€117k€100k▼
Deferred charges and accrued income490/1€28k€41k▲
Equity and liabilities
Total equity and liabilities10/49€293k€334k▲
Equity10/15€149k€176k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€128k€155k▲
Amounts payable17/49€144k€159k▲
Amounts payable after more than one year17€11k-
Financial debts170/4€11k-
Amounts payable within one year42/48€133k€159k▲
Current portion of amounts payable after more than one year42€25k€23k▼
Trade debts44€11k€50k▲
Suppliers440/4€11k€50k▲
Taxes, remuneration and social security45€27k€15k▼
Taxes450/3€17k€11k▼
Remuneration and social security454/9€10k€5k▼
Other amounts payable47/48€71k€71k=
Income statement
Code20242025
Remuneration, social security and pensions62€71k€61k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€22k▲
Other operating charges640/8€18k€15k▼
Gross operating margin9900€255k€219k▼
Operating profit (loss)9901€148k€120k▼
Financial income75/76B€180€1k▲
Recurring financial income75€180€1k▲
Financial charges65/66B€4k€8k▲
Recurring financial charges65€4k€8k▲
Profit (loss) for the period before taxes9903€145k€114k▼
Income taxes67/77€22k€16k▼
Profit (loss) for the period9904€123k€98k▼
Profit (loss) for the period to be appropriated9905€123k€98k▼
Appropriation of the result
Profit (loss) to be appropriated9906€199k€226k▲
Profit (loss) brought forward from the previous period14P€76k€128k▲
Profit to be distributed694/7€70k€70k=
Directors or managers695€70k€70k=
The notes to these accounts (6 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
14-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 45 days late
2025
31-12
Financial
Equity above €150kEq €176k ▲18.3%
3 profitable years in a row build equity to €176k.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2018net €123k ▲19613%
Operating result €148k, net result €123k, both a record.
31-12
Financial
Equity above €100kEq €149k ▲54%
2 profitable years in a row build equity to €149k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Back to profitnet €622
Net result €622 after one loss-making year.
20-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 81 days late
2022
31-12
Financial
Weakest financial yearnet €-231 ▼102%
Net result drops to €-231, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
Show earlier events
2020
25-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 56 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Evere · 2 establishment units since 2015
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.
L. Vandenhovenstraat 511140 EvereGround area
2,482 m²
Building footprint
1,172 m²
Volume, LiDAR
6,899 m³
2 parcels, Brussels · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
St-Vincent Car Clean
since 20152.239.656.556
St-Vincent Car Clean
since 20232.349.942.289
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21821A0201/00A002 | Brussels | 2,016 m² | 1 · 1,070 m² | 8.2 m · 2 fl. |
| 21006A0053/00H002 | Brussels | 466 m² | 1 · 102 m² | 12.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
98450012BC95ACF3E554
Similar companies · same sector, comparable size
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Of 7,375 companies in sector 95311 we hold annual accounts for 2,959. 2,338 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
Founded23-07-2007
Fiscal year end31-12
Activities, NACEBEL 2025
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95316Washing and cleaning of motor vehicles
95319Other maintenance and repair of motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.