ZONAUTO
ActiveZONAUTO has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €110k and a net result of €3k. Equity is growing by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 23% of 10252 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44=
Solvency39▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 6.66 against 1.99 in 2024; short-term debt: 2.5% and cash: 12.8% of total assets), but 86.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
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
13.6%
Return on assets
0.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 10252 sector peers (2025).
NBB · sector comparisonPosition among 10252 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
6 d early
2023
1 d early
2022
31 d late
2021
59 d early
2020
19 d early
2019
4 d early
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€110k▲ 3.1%
2024 · €106k
2018: €76k
2019: €76k
2020: €88k
2021: €89k
2022: €95k
2023: €100k
2024: €106k
2018 → 2025
Total assets
€804k▼ 7.1%
2024 · €866k
2018: €763k
2019: €889k
2020: €839k
2021: €838k
2022: €848k
2023: €858k
2024: €866k
2018 → 2025
Net result
€3k▼ 46.1%
2024 · €6k
2018: €9k
2019: €631
2020: €11k
2021: €2k
2022: €5k
2023: €5k
2024: €6k
2018 → 2025
Working capital
€114k▲ 36.7%
2024 · €84k
2018: €33k
2019: €-76k
2020: €-45k
2021: €-18k
2022: €14k
2023: €47k
2024: €84k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€89k-€95k▲ 6.1%€100k▲ 5.6%€106k▲ 6.1%€110k▲ 3.1%
Operating result€18k-€24k▲ 29.8%€24k▲ 0.9%€29k▲ 23.9%€21k▼ 29.1%
Net result€2k-€5k▲ 196%€5k▼ 2.0%€6k▲ 15.1%€3k▼ 46.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €804k
Fixed assets
€670k▼ 4.0%
Current assets
€135k▼ 20.0%
Equity and liabilities €804k
Equity
€110k▲ 3.1%
Debt
€695k▼ 8.6%
The debt ratio falls from 87.7% to 86.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€49k▼
2024 · €58k
Cash flow
€31k▼
2024 · €34k
Solvency
13.6%▲
2024 · 12.3%
Current ratio
6.66▲
2024 · 1.99
Quick ratio
6.66▲
2024 · 1.99
Debt / equity
6.34▼
2024 · 7.15
ROE
3.0%▼
2024 · 5.8%
ROA
0.4%▼
2024 · 0.7%
Interest coverage
2.99▲
2024 · 2.95
Debt
€695k▼
2024 · €759k
Debt ≤ 1 year
€20k▼
2024 · €84k
Debt > 1 year
€658k▲
2024 · €642k
Income taxes
€1k▼
2024 · €4k
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€866k€804k▼
Fixed assets21/28€698k€670k▼
Tangible fixed assets22/27€698k€670k▼
Land and buildings22€697k€670k▼
Furniture and vehicles24€930€0▼
Current assets29/58€168k€135k▼
Amounts receivable within one year40/41€14k€30k▲
Trade receivables40€14k€30k▲
Cash at bank and in hand54/58€152k€103k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€866k€804k▼
Equity10/15€106k€110k▲
Contributions10/11€68k€68k=
Reserves13€38k€42k▲
Non-distributable reserves130/1€7k€7k=
Reserves not available under the articles1311€7k€7k=
Distributable reserves133€31k€35k▲
Amounts payable17/49€759k€695k▼
Amounts payable after more than one year17€642k€658k▲
Financial debts170/4€642k€658k▲
Amounts payable within one year42/48€84k€20k▼
Trade debts44€69k€8k▼
Suppliers440/4€69k€8k▼
Taxes, remuneration and social security45€5k€2k▼
Taxes450/3€5k€2k▼
Other amounts payable47/48€11k€11k▲
Accrued charges and deferred income492/3€33k€17k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€28k▼
Other operating charges640/8€9k€8k▼
Gross operating margin9900€66k€57k▼
Operating profit (loss)9901€29k€21k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€20k€16k▼
Recurring financial charges65€20k€16k▼
Profit (loss) for the period before taxes9903€10k€4k▼
Income taxes67/77€4k€1k▼
Profit (loss) for the period9904€6k€3k▼
Profit (loss) for the period to be appropriated9905€6k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€3k▼
Transfer to equity691/2€6k€3k▼
To other reserves6921€6k€3k▼
The notes to these accounts (10 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity triplescurrent ratio 6.66
Current ratio from 1.99 to 6.66; short-term debt falls from €84k to €20k.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €100kEq €100k ▲5.6%
6 profitable years in a row build equity to €100k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €11k ▲1707%
Net result €11k, the highest in the series.
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €631 ▼93.3%
Net result drops to €631, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Zonhoven · 1 establishment unit since 1991
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.
Senator A. Jeurissenlaan 10313520 ZonhovenGround area
3,428 m²
Building footprint
624 m²
Volume, LiDAR
3,267 m³
Parcel 71442C0740/00L000, Flanders · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ZONAUTO
since 19912.053.692.413
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71442C0740/00L000 | Flanders | 3,428 m² | 1 · 624 m² | 6.8 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
DAJUTO
BE 0826.351.314
La Hulpe · Eq €110k
CAR STAR
BE 0458.929.071
Oudergem · Eq €110k
CARMANAGER
BE 0443.475.585
Asse · Eq €110k
FIRST CAR
BE 0463.706.223
Tubize · Eq €110k
MAHYOU CAR
BE 0890.483.655
Arlon · Eq €109k
Of 10,677 companies in sector 47811 we hold annual accounts for 5,222. 3,671 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded29-07-1991
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
50200
50302
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.