# Bilia > Clarifo company profile — qualitative business description generated from > the company's filings. Financial statements, charts and ratios are > available on Clarifo (https://www.clarifo.com/en/companies/biliaa). ## Overview Bilia is a Nordic automotive retail and service group that sells new and used cars, provides vehicle maintenance and repair, and offers related mobility services. Its operations are organized around the vehicle life cycle, with business areas spanning car sales, service, and fuel-related activities across several Northern European markets. ## Products & services • New car sales • Used car sales • Vehicle maintenance and repair • Spare parts and accessories • Service subscriptions and tyre storage • Fuel-related services - **Service Business** (45%) — Maintenance, repair, parts, tyre services, and related workshop offerings. - **Car Business** (45%) — Sales of new and used vehicles, including dealer and agent-based retail. - **Fuel Business** (10%) — Fuel-related retail and associated mobility services. - New car sales - Used car sales - Vehicle maintenance and repair - Spare parts and accessories - Service subscriptions and tyre storage - Fuel-related services ## Customers Bilia serves private vehicle owners, used-car buyers, and customers who need ongoing workshop and parts support. It also works with vehicle manufacturers and other suppliers through dealership and service relationships, making the business dependent on both end-customer demand and brand partnerships. - **Private vehicle buyers** (primary) — Buy new and used cars through Bilia's retail network and digital channels. - **Service and workshop customers** (primary) — Return for maintenance, repairs, parts, and tyre-related services. - **Used-car customers** (secondary) — Purchase pre-owned vehicles, often seeking value and availability. - **Fleet and mobility customers** (secondary) — Use Bilia for vehicle servicing and lifecycle support across larger fleets. - **Vehicle manufacturers and brand partners** (primary) — Provide the brands and supply relationships that underpin dealership operations. - Private car buyers seeking new or used vehicles - Vehicle owners needing maintenance, repair, and parts - Customers buying service subscriptions and tyre storage - Fleet and mobility customers using dealer/service networks - Vehicle manufacturers and brand partners ## Geography Bilia operates mainly in Sweden, Norway, Belgium, and Luxembourg, with its business concentrated in Nordic and nearby European markets. Its facilities, customer base, and brand relationships are local-market driven, so geography matters for dealer coverage, workshop access, and exposure to national vehicle demand and regulation. - **Sweden** (0%) — No revenue percentages were disclosed in the provided excerpts. - **Norway** (0%) — No revenue percentages were disclosed in the provided excerpts. - **Belgium** (0%) — No revenue percentages were disclosed in the provided excerpts. - **Luxembourg** (0%) — No revenue percentages were disclosed in the provided excerpts. - Core operations are in Sweden, Norway, Belgium, and Luxembourg - Dealer and workshop locations are important to local market coverage - Operations depend on leased facilities in strategic locations - Country-level regulation affects car demand and service activity - Climate and infrastructure exposure varies by site location ## Strategy Bilia's strategy is built around being a full-service provider across the vehicle life cycle, combining car sales with recurring service and parts activity. It also emphasizes a circular business model, customer experience, and selective growth through acquisitions and operational integration. - **Expand the full-service vehicle life-cycle model** (medium-term) — Combining car sales with service and parts creates more recurring customer touchpoints. - **Develop circular offerings** (medium-term) — Reused parts and longer vehicle life support sustainability and cost-effective repair solutions. - **Pursue acquisition-led growth** (medium-term) — Acquisitions can broaden the dealer/service footprint and add brands or capabilities. - **Strengthen customer and employee experience** (short-term) — Service quality and staff capability are central to retention and brand trust. - Build a full-service model across the vehicle life cycle - Grow service activity and recurring customer relationships - Use acquisitions to expand market presence and capabilities - Develop circular offerings such as reused spare parts - Improve customer satisfaction and employee engagement ## Risks Bilia is exposed to cyclical vehicle demand, regulatory changes, and execution risk from acquisitions and IT dependence. Its dealership and service model also depends on skilled employees, leased facilities, and compliance with brand, consumer, and environmental requirements. - **Cyclical vehicle demand** [high] — Car purchases are discretionary and fall when consumers delay spending in weaker markets. - **Acquisition integration risk** [high] — Growth depends partly on buying and integrating new operations successfully. - **IT and cyber risk** [high] — Centralized systems support sales, service, and administration, so outages can halt operations. - **Key-person and technician shortage** [medium] — Vehicle engineering competence is scarce and needed for workshop capacity and service quality. - **Lease and location risk** [medium] — Most facilities are leased, so strategic sites can be lost at renewal. - **Regulatory and brand compliance** [high] — Dealer operations depend on laws, consumer trust, and manufacturer relationships. - Car demand is cyclical and sensitive to interest rates and the economy - Acquisitions can underperform or be difficult to integrate - IT outages or cyberattacks can disrupt operations - Skilled technician shortages can limit service growth - Leased sites can be lost when rental agreements expire ## Accounting Bilia's revenue recognition depends on the mix of car sales, service work, finance brokering, leases, and repurchase agreements, which can shift timing between periods. The group also has judgment-heavy accounting areas such as contract liabilities for service subscriptions, lease accounting for facilities and vehicles, and impairment testing for goodwill and other intangibles. - **Revenue recognition for service subscriptions** — Contract liabilities and future turnover estimates - **Repurchase agreements on vehicle sales** — Defers revenue and gross profit over the lease period - **IFRS 16 lease accounting** — Balance sheet size and reported operating metrics - **Goodwill impairment testing** — Potential impairment charges if market conditions weaken - **Financial instruments and bond liabilities** — Net debt, finance costs, and valuation gains/losses - Service subscriptions and tyre hotels create deferred revenue - Repurchase agreements defer revenue and cost recognition - Leased vehicles and facilities affect IFRS 16 balance sheet items - Goodwill is tested for impairment using market and discount-rate assumptions - Financial instruments include bonds, derivatives, and lease receivables --- *Last updated: 2026-08-11T04:04:51.203062+00:00*