SMART CHOICE AUTOMOTIVE GROUP INC
NT 10-K, 1998-03-31
AUTO DEALERS & GASOLINE STATIONS
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                     U.S. SECURITIES AND EXCHANGE COMMISSION
                              Washington, DC 20549

                                   FORM 12b-25


NOTIFICATION OF LATE FILING                          SEC FILE NUMBER:  1-14082

(Check One)

[X] Form 10-K and Form 10-KSB [ ]Form 20-F [] Form 11-K
[]Form 10-Q and Form 10-QSB [ ]Form N-SAR

For Period Ended: Fiscal Year End Period Ended December 31, 1997
[]Transition Report on Form 10-K
[]Transition Report on Form 20-F
[]Transition Report on Form 11-K
[]Transition Report on Form 10-Q
[]Transition Report on Form N-SAR

For the Transition Period Ended:________________________________________

Nothing  in this  form  shall be  construed  to imply  that the  Commission  has
verified any information contained herein.

If the notification  relates to a portion of the filing checked above,  identify
the Item(s) to which the notification relates:

- ----------------------------------------------------------------------------

- -----------------------------------------------------------------------------

- -----------------------------------------------------------------------------

Part I-Registrant Information

- -----------------------------------------------------------------------------

         Full Name of Registrant:   Smart Choice Automotive Group, Inc.

         Former Name if Applicable:  Eckler Industries, Inc.

         5200 South Washington Avenue
         (Address of Principal Executive Office) (Street and Number)

         Titusville, Florida 32780
         (City, State, Zip Code)

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Part II-Rules 12b-25(b) and (c) _______________________________________________

If the subject report could not be filed without  unreasonable effort or expense
and the registrant seeks relief pursuant to rule 12b-25(b), the following should
be completed. (Check Box if appropriate)

[X](a)The reasons described in reasonable detail in Part III of this form
could not be eliminated without unreasonable effort or expense;

[X](b)The subject annual reports,  semi-annual report,  transition report on
Form 10-K or Form 10-KSB, Form 20-F, Form 11-K or Form N-SAR, or portion thereof
will be filed on or before the fifteenth  calendar day following the  prescribed
due date; or the subject  quarterly report or transition  report on Form 10-Q or
Form 10-QSB,  or portion  thereof will be filed on or before the fifth  calendar
day following the prescribed due date; and

[  ](c)The accountant's statement or other exhibit required by Rule 12b-25(c)
has been attached, if applicable.

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Part III-Narrative ____________________________________________________________

State below in  reasonable  detail the  reasons  why Form 10-K and Form  10-KSB,
20-K,  11-K and Form 10-Q and Form 10-QSB,  N-SAR,  or the transition  report or
portion thereof could not be filed within the prescribed period.

<PAGE>

     The  Company's  Annual Report on Form 10-K for the fiscal year period ended
December 31, 1997 cannot be filed within the prescribed  time period because the
Company is  experiencing  delays in the  collection  and  compilation of certain
financial and other  information  required to be included in the Form 10-K.  The
Form 10-K will be filed as soon as reasonably  practicable and in no event later
than the fifteenth calendar day following the prescribed due date.





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Part IV-Other Information

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(1)Name and telephone number of person to contact in regard to this
notification:

Joseph E. Mohr             (407)269-9680
    (Name)          (Area Code) (Telephone Number)

         (2) Have all other periodic reports required under Section 13 and 15(d)
of the Securities  Exchange Act of 1934 or Section 30 of the Investment  Company
Act of 1940 during the  preceding 12 months or for such shorter  period that the
registrant was required to file such report(s) been filed?  If the answer is no,
identify report(s).

                     [ X ]  Yes                 [   ]  No

         (3) Is it  anticipated  that  any  significant  change  in  results  of
operations  from the  corresponding  period  for the last  fiscal  year  will be
reflected by the  earnings  statements  to be included in the subject  report or
portion thereof?

                     [   ]  Yes                [   ]  No

                  If so: attach an explanation of the anticipated  change,  both
narratively and  quantitatively,  and, if  appropriate,  state the reasons why a
reasonable estimate of the results cannot be made.



                         Smart Choice Automotive Group, Inc.
                  (Name of Registrant as specified in charter)

has caused this notification to be signed on its behalf by the undersigned
thereunto duly authorized.



DATE: March 31, 1997              By:/s/ Joseph E. Mohr
                                        ---------------------------------------
                                        Joseph E. Mohr, Chief Financial Officer


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