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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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 7 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
54 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
ACCESS AUTO from Namur, company number BE0898413604, closed financial year 2025 with a result of € -387,589 after tax. For that financial year ACCESS AUTO recorded a gross margin of € 40,868 and equity of € -1.3 million. Compared with financial year 2024, the result moved from € -267,755 to € -387,589. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 30, 2026.
€ -1.3 million
▼ € 387,589 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -387,589
▼ 45 % more loss than in 2024
Profit after tax over the fiscal year.
€ 34,632
▲ 60% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -1.7 million.
People and assets in 2025
4.8
▼ 0.8 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 327,425
▲ 2% vs 2024
€ 68,200 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 2,335
▼ 48% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 9,059
▲ € 7,548 vs 2024
Loans from banks and other lenders, long and short.
€ 504,204
▲ 46% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 61,178
▲ 18% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 63,009 | € 106,690 | € 154,444 | € 40,868 | ▼ 74% |
| Profit after taxes | € -204,188 | € -271,969 | € -267,755 | € -387,589 | ▼ € 119,834 |
| Equity | € -416,494 | € -688,463 | € -956,218 | € -1,343,807 | ▼ € 387,589 |
| Total debts | € 1,057,299 | € 1,049,089 | € 1,273,268 | € 1,614,550 | ▲ 27% |
| Cash | € 339,278 | € 76,646 | € 21,662 | € 34,632 | ▲ 60% |
| Retained profit | € -816,494 | € -1,088,463 | € -1,356,218 | € -1,743,807 | ▼ € 387,589 |
| Bank debt | € 222,832 | € 197,173 | € 1,511 | € 9,059 | ▲ € 7,548 |
| Balance sheet total | € 640,806 | € 360,626 | € 317,050 | € 270,743 | ▼ 15% |
| Employees (FTE) | 5.2 | 4.6 | 5.6 | 4.8 | ▼ 0.8 |
Key figures of ACCESS AUTO, 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 ACCESS AUTO?
What happened at ACCESS AUTO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 387,589. filed late Source: NBB ↗
- New establishment in Nivelles. KBO
- New establishment in Dinant. KBO
- INVEST-GROUP AUTOMOTIVE SA became a director. NBB
- New establishment in Rochefort. KBO
- Start of the company according to the CBE. KBO
In short
From € 204,188 loss in 2022 to € 387,589 loss in 2025.
Paid € 2,935 in corporate taxes since 2022.
On average € 8,500 of value added per employee in 2025.
Management
Behind ACCESS AUTO is INVEST-GROUP AUTOMOTIVE SA. The shares are held by I.G.A. SA (100%).
Directors
According to the 2025 annual accounts
Director · represented by Philippe STEVENY
Also active at: SAN-MAZUIN CONDROZ FAMENNE, SOCIÉTÉ AUTOMOBILE DE NAMUR - MAZUIN, DP Carrosserie, GARAGE MARCHAL, Carromaz, MAZUIN IMMO, N.T. CARS CONSULT, CLOSE GARAGE
since 2022
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue des Pieds d'Alouette(NN) 39
5100 Namur
Rue de Ciney 119
5580 Rochefort
Active since 6 June 2008
Chemin de la Vieille-Cour 52
1400 Nivelles
Active since 3 August 2026
Zoning de la Voie Cuivrée 1
5503 Dinant
Active since 3 August 2026
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 54 companies are registered at this address.
All companies at this address →HEPPIGNIES AIRPORT
€ -4,164 gross margin · 2025
GARAGE ROUSSEAU
€ 17.6 million revenue · 2025
STEVENY PARTS
€ 1,024 revenue · 2025
STEVENY MOTORS same network
€ 154.6 million revenue · 2025
IMMO STEVENY BRAINE
€ 102,710 revenue · 2025
+49 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0898.413.604
- VAT number
- BE 0898.413.604
- Registered office
- Rue des Pieds d'Alouette(NN) 39, 5100 Namur
- Names & denominations
- ACCESS AUTO
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 6 June 2008
- Peppol
- Active · Active since 12 May 2026
- Activities · NACE
Detailhandel in onderdelen en accessoires van motorvoertuigen
Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)
Handelsbemiddeling in de groothandel in andere specifieke goederen
Carrosserieherstelling (inclusief spuiten en verven)
Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton)
Groothandel in auto's en lichte bestelwagens (<= 3,5 ton)
Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (= 3,5 ton)
+3