Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 34 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CAR CONCEPT from Clavier, company number BE0772812955, closed financial year 2025 with a result of € 8,776 after tax. For that financial year CAR CONCEPT recorded a gross margin of € 53,352 and equity of € 41,971. Compared with financial year 2024, the result moved from € -13,958 to € 8,776. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 18, 2026.
€ 41,971
▲ 26% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 8,776
▲ still € 13,958 loss in 2024
Profit after tax over the fiscal year.
€ 13,085
▲ 152% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 39,971.
People and assets in 2025
€ 7,175
▼ 72% 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
€ 368,945
▲ 89% vs 2024
€ 27,110 is repaid this year. At this pace the long-term loan is gone in ≈ 14 years.
€ 37,923
▲ 141% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 10,697
▲ 32% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 131,137 | € 102,947 | € 35,972 | € 53,352 | ▲ 48% |
| Profit after taxes | € 37,609 | € 7,544 | € -13,958 | € 8,776 | ▲ € 22,733 |
| Equity | € 39,609 | € 47,153 | € 33,195 | € 41,971 | ▲ 26% |
| Total debts | € 90,753 | € 165,960 | € 247,150 | € 473,816 | ▲ 92% |
| Cash | € 37,120 | € 19,015 | € 5,200 | € 13,085 | ▲ 152% |
| Land & buildings | - | € 75,180 | € 215,247 | € 366,392 | ▲ 70% |
| Retained profit | € 37,609 | € 45,153 | € 31,195 | € 39,971 | ▲ 28% |
| Bank debt | € 13,707 | € 90,630 | € 194,969 | € 368,945 | ▲ 89% |
| Balance sheet total | € 130,362 | € 213,113 | € 280,345 | € 515,787 | ▲ 84% |
Key figures of CAR CONCEPT, 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 CAR CONCEPT?
What happened at CAR CONCEPT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 8,776. filed late Source: NBB ↗
- New establishment in Clavier. KBO
- Fabrice CHARLIER became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 37,609 profit in 2022 to € 8,776 profit in 2025.
Paid € 17,216 in corporate taxes since 2022.
Best year ever: 2022, with € 37,609 profit.
Management
Behind CAR CONCEPT is Fabrice CHARLIER.
Directors
According to the 2025 annual accounts
Fabrice CHARLIER
Director
since 2021
Establishments
Establishment units
Physical locations of this company
Route du Val 3C
4560 Clavier
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0772.812.955
- VAT number
- BE 0772.812.955
- Registered office
- Route du Val 3C, 4560 Clavier
- Names & denominations
- CAR CONCEPT
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 24 August 2021
- Peppol
- Active · Active since 29 Dec 2025
- Contact
- [email protected]
- Activities · NACE
Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton)
Carrosserieherstelling (inclusief spuiten en verven)
Carrosserieherstelling
Verhuur en lease van personenauto’s en andere lichte motorvoertuigen
Detailhandel in onderdelen en accessoires van motorvoertuigen
Groothandel in delen en toebehoren van motorvoertuigen
Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (= 3,5 ton)
Handelsbemiddeling en groothandel in onderdelen en accessoires van motorvoertuigen