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Complete company report
Generated 16-08-2026
Active BE 0434.917.316Public limited company

SURPLUS 4x4

Lampestraat(Rol) 169 ·8510 Kortrijk, Belgium· 38 yrs active
Sector: Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen (68203)
Conclusion Checked

The computed 12-month bankruptcy probability of SURPLUS 4x4 is 0.2% (very low). The 2025 annual accounts show equity of €3.18M and a net result of €124k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 90% of 1357 sector peers (fiscal year 2025). The company has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.
Key figures
Equity €3.18M
Net result €124k
Better than sector 90%
Active 38 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health86Profitability19Solvency100Growth52Stability100
71 / 100

Strong profile, led by solvency.

All 5 axes are computed from data Checked has read.

Health 86
Profitability 19
Solvency 100
Growth 52
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.2% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Long track record −Multiple establishment units +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1988, 38 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 Flags0 events
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.
Health barometer FY 2025 · computed
86 / 100 Excellent
050100
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 2025. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 10-10-2025 with the NBB · fiscal year 2025 · micro
€0€100k€200kOperating result 2021: €163k€163kNet result 2021: €118k€118kOperating result 2022: €205k€205kNet result 2022: €140k€140kOperating result 2023: €191k€191kNet result 2023: €132k€132kOperating result 2024: €200k€200kNet result 2024: €132k€132kOperating result 2025: €182k€182kNet result 2025: €124k€124k20212022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable Equity: stable across 7 fiscal years (±2.4%/year).
€2.50M€3.00M€3.50M€4.00M2026: €3.45M (€3.20M - €3.71M)2027: €3.53M (€3.22M - €3.83M)2028: €3.60M (€3.19M - €4.01M)2019: €2.92M2020: €3.01M2021: €3.12M2022: €3.26M2023: €3.39M2024: €3.11M2025: €3.18M2019202020212022202320242025202620272028
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 2025 · NACE 68, Real estate activities · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 85.8% 22.9%
better than 90% of 1357 sector peers
Net result €124k €10k
better than 94% of 1355 sector peers
Equity €3.18M €44k
better than 95% of 1358 sector peers
Gross operating margin €232k €39k
better than 92% of 1355 sector peers
Total assets €3.70M €292k
better than 95% of 1357 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€203k
-7.9% 19-25
Net profit
€124k
-6.1% 19-25
Cash flow
€144k
-5.2% 19-25
Total assets
€3.70M
-0.4% 19-25
Equity
€3.18M
+2.4% 19-25
Working capital
€2.39M
+4.7% 19-25
Income taxes
€44k
-31.3% 19-25
Dividends
€130k
-69.1% 19-25
Show 9 other metrics
Debt
€458k
-15.6% 19-25
Debt ≤ 1y
€423k
-19.3% 19-25
Current ratio
6.66
+24.1% 19-25
Quick ratio
6.66
+24.1% 19-25
Solvency
85.8%
+2.8% 19-25
Debt / equity
0.14
-17.6% 19-25
ROE
3.9%
-8.2% 19-25
ROA
3.3%
-5.7% 19-25
Interest coverage
5.69
-48.4% 19-25
Figures by fiscal year
Fiscal year2025
Depositmicro
Revenue-
EBITDA€203k
Net profit€124k
Cash flow€144k
Staff costs-
Income taxes€44k
Dividends€130k
Total assets€3.70M
Equity€3.18M
Debt€458k
of which ≤ 1y€423k
of which > 1y-
Working capital€2.39M
Employees (FTE)-
Ratios (computed)
2025
Current ratio6.66
Quick ratio6.66
Working capital ratio64.6%
Solvency85.8%
Debt / equity0.14
Long-term debt ratio-
Interest coverage5.69
Gross margin-
Net margin-
ROA3.3%
ROE3.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€3.70M
Fixed assets 21/28€889k
Tangible fixed assets 22/27€889k
Current assets 29/58€2.81M
Amounts receivable within one year 40/41€45k
Cash & bank 54/58€706k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€3.70M
Equity 10/15€3.18M
Contributions / capital 10/11€62k
Reserves 13€3.12M
Provisions & deferred taxes 16€67k
Amounts payable 17/49€458k
Amounts payable within one year 42/48€423k
Trade debts payable within one year 44€6k
Income statement
Gross operating margin 9900€232k
Operating result 9901€182k
Financial income 75€18k
Financial charges 65€36k
Result before taxes 9903€164k
Income taxes 67/77€44k
Net result for the period 9904€124k
Result to be appropriated 9905€130k
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.
Directors & mandates 1 directors
Former directors (1)
  • David Luc
    Director
    State Gazette act 23165953 (27-12-2023)
    Former
    - → 08-06-2023
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen(68203)
Legal form Public limited company(014)
Incorporation01-08-1988
StatusActive
Postal code8510
Establishment units 2 locations
SURPLUS 4X4
Industriëlaan 91 B, 7700 MouscronDetailhandel in ijzerwaren, bouwmaterialen, verf en glas (algemeen assortiment)
since 19892.039.818.542
Surplus 4x4
Lampestraat(Rol) 55 B, 8510 KortrijkKleinhandel in nieuwe en gebruikte auto's voor personenvervoer, inclusief die voor bijzondere doeleinden (b.v. ambulances)
since 20152.250.001.112
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels 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.

Flanders 2 (66.7%) Wallonia 1 (33.3%)
Parcel (capakey) Region Area Buildings Height / fl.
54007B0416/00K000 Wallonia 1.9 ha 1 · 4,293 m² -
34033A0463/00D000 Flanders 2,904 m² 1 · 490 m² 6.3 m · 1 fl.
34033A0155/00B000 Flanders 2,140 m² 1 · 129 m² 7.5 m · 2 fl.
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.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
10-10-2025
NBB filing Annual accounts filed
fiscal year 2025 · micro
2024
31-10-2024
NBB filing Annual accounts filed
fiscal year 2024 · micro
2023
27-12-2023
State Gazette act Director changes
16-11-2023
NBB filing Annual accounts filed
fiscal year 2023 · micro
2022
25-10-2022
NBB filing Annual accounts filed
fiscal year 2022 · micro
2021
24-10-2021
NBB filing Annual accounts filed
fiscal year 2021 · micro
2020
30-11-2020
NBB filing Annual accounts filed
fiscal year 2020 · micro
2019
07-10-2019
NBB filing Annual accounts filed
fiscal year 2019 · micro
2018
24-09-2018
NBB filing Annual accounts filed
fiscal year 2018 · micro
2017
27-09-2017
NBB filing Annual accounts filed
fiscal year 2017 · micro
2016
12-08-2016
NBB filing Annual accounts filed
fiscal year 2016 · verkort
Belgian State Gazette reading coverage 0 of 10 acts read

We know of 10 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2023
27-12-2023 2 directors appointed, 1 resigning, 3 reappointed Director changes
  • David Luc, Gedelegeerd bestuurder
  • David Johan, Gedelegeerd bestuurder
  • David Luc, Bestuurder
  • David Johan, Bestuurder
  • David Hein, Bestuurder
  • David Hans, Bestuurder
Technical details 
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Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Verhuur en exploitatie van eigen of geleasd niet-residentieel onroerend goed, exclusief terreinen68203Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen68203Verhuur en lease van personenauto's en lichte bestelwagens (< 3,5 ton)77110Verhuur en lease van personenauto’s en andere lichte motorvoertuigen77110
Primary activity highlighted.
Names & trade names
Legal nameNL SURPLUS 4x4
Registered office
Lampestraat(Rol) 169
8510 Kortrijk, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative