Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 12 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
F & T PROCARS from Sint-Niklaas, company number BE0729870164, closed financial year 2025 with a result of € -398 after tax. For that financial year F & T PROCARS recorded a gross margin of € 24,072 and equity of € 8,085. Compared with financial year 2024, the result moved from € -8,856 to € -398. The company made a loss. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 29, 2026.
€ 8,085
▼ 5% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -398
▲ 96 % less loss than in 2024
Profit after tax over the fiscal year.
€ 1,160
▲ 10% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -11,915.
People and assets in 2025
€ 10,203
▲ 32% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2025
€ 71,152
▼ 1% vs 2024
€ 7,996 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 2,517
▼ 76% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 2,466
▼ 64% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 49,869 | € -13,548 | € 14,188 | € 24,072 | ▲ 70% |
| Profit after taxes | € 30,972 | € -32,757 | € -8,856 | € -398 | ▲ € 8,457 |
| Equity | € 50,096 | € 17,339 | € 8,483 | € 8,085 | ▼ 5% |
| Total debts | € 96,206 | € 82,661 | € 120,253 | € 115,576 | ▼ 4% |
| Cash | € 424 | € 2,606 | € 1,057 | € 1,160 | ▲ 10% |
| Land & buildings | € 14,391 | € 13,649 | € 27,811 | € 25,053 | ▼ 10% |
| Retained profit | € 30,096 | € -2,661 | € -11,517 | € -11,915 | ▼ € 398 |
| Bank debt | € 40,613 | € 46,996 | € 71,787 | € 71,152 | ▼ 1% |
| Balance sheet total | € 146,302 | € 100,000 | € 128,736 | € 123,660 | ▼ 4% |
Key figures of F & T PROCARS, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to F & T PROCARS?
What happened at F & T PROCARS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 398. Source: NBB ↗
- New establishment in Sint-Niklaas. KBO
- New establishment in Stekene. KBO
- Start of the company according to the CBE. KBO
In short
From € 30,972 profit in 2022 to € 398 loss in 2025.
Paid € 8,263 in corporate taxes since 2022.
Best year ever: 2022, with € 30,972 profit.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind F & T PROCARS are ERIKA VAN LAERE and Davy Van Goethem.
Directors
According to the 2025 annual accounts
ERIKA VAN LAERE
Manager
Davy Van Goethem
Manager
Establishments
Establishment units
Physical locations of this company
Prins Boudewijnlaan 29
9100 Sint-Niklaas
Bormte(STE) 35
9190 Stekene
Active since 5 July 2019
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0729.870.164
- VAT number
- BE 0729.870.164
- Registered office
- Prins Boudewijnlaan 29, 9100 Sint-Niklaas
- Names & denominations
- F & T PROCARS
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 5 July 2019
- Peppol
- Active · Active since 14 Nov 2025
- Activities · NACE
Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton)
Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (= 3,5 ton)
Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)