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A.D.F

Active
Private limited companyfounded 2014active for 11 yearsPlace Communale 25, 5537 Anhée, BelgiumKBO/BCE: BE 0567.973.701
Summary

A.D.F has been active since 2014 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €57,694 and a net result of €8,496. Equity has been stable since 2018 (±0.9% per year). Its solvency ranks better than 32% of 5,039 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

Overview

Official details

Source: KBO
Status
Active since 05-11-2014 Normal situation
Activity
Non-specialised retail sale with food, beverages or tobacco predominating NACE 47110and 2 others
Joint committee
201 Paritair Comité voor de zelfstandige kleinhandel · annual accounts 2022
Establishment unit
2.238.010.130 5537 Anhée, since 05-11-2014
Financial year end
31 December
Peppol
Reachable since 01-10-2025

Board and ownership

Board
Shareholders
  • JULISTEP· score 9331-03-2026 annual accounts of JULISTEP

Financial position

68 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.9%
Annual accounts 2025
Gross margin
€259,142
▲ 13.6%
Turnover
≈ €2.5m
estimated
Profit
€8,496
Equity
€57,694
▲ 17.3%
Total assets
€279,510
▲ 6.7%
Employees on 31-12-2025
9
=
Filed on 11-06-2026, 50 days before the deadline
Score breakdownraises riskSize: 9.3 FTE, total assets €279,5101 change of registered office in 24 monthslowers riskLiquidity: current ratio 1.15, cash €112,850Figures for financial year 2025 (filed on 12-06-2026)Show the evidence

Checked score

Score 2025
68 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 56% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Average
Solvency 46+2
equity 20.6% of total assets
Liquidity 57+2
short-term debt 79.4% · cash 40.4%
Profitability 73+40
return on assets 3.0%
Bankruptcy probability within 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,272 companies, NACE 47, micro)
Last 24 months 12-2024: 0.8% 01-2025: 0.8%● unchanged vs 12-2024 02-2025: 0.8%● unchanged vs 01-2025lowest value 03-2025: 0.8%● unchanged vs 02-2025lowest value 04-2025: 0.9%▲ +0.1 percentage points vs 03-2025 05-2025: 0.9%● unchanged vs 04-2025 06-2025: 0.9%● unchanged vs 05-2025 07-2025: 1.0%▲ +0.1 percentage points vs 06-2025 08-2025: 1.8%▲ +0.8 percentage points vs 07-2025highest value 09-2025: 1.1%▼ -0.7 percentage points vs 08-2025 10-2025: 1.1%● unchanged vs 09-2025 11-2025: 1.1%● unchanged vs 10-2025 12-2025: 1.1%● unchanged vs 11-2025 01-2026: 1.1%● unchanged vs 12-2025 02-2026: 1.0%▼ -0.1 percentage points vs 01-2026 03-2026: 1.0%● unchanged vs 02-2026 04-2026: 1.1%▲ +0.1 percentage points vs 03-2026 05-2026: 1.1%● unchanged vs 04-2026 06-2026: 1.0%▼ -0.1 percentage points vs 05-2026 07-2026: 0.9%▼ -0.1 percentage points vs 06-2026 08-2026: 0.9%● unchanged vs 07-2026 09-2026: 0.9%● unchanged vs 08-2026 10-2026: 0.9%● unchanged vs 09-2026 11-2026: 0.9%● unchanged vs 10-2026
Credit of up to €3,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.15 (1.08 in 2024), below the usual 1.5. Short-term debt is 79.4% and cash 40.4% of total assets. 79.4% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 36% of them on solvency, 63% on liquidity, 56% on profitability and 70% on growth.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
raises risk · Size: 9.3 FTE, total assets €279,510
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
lowers risk · Liquidity: current ratio 1.15, cash €112,850
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 12-06-2026)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
50 days early
2024
11 days late
2023
34 days early
2022
7 days late
2021
32 days early
2020
19 days late
2019
53 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 4 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 June (4 of the last 5 accounts filed within 39 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Less equity than 81% of companies in retail tradesector median €447,349 · 5,040 companies €57,694 View
  • Caution: Board changedlatest change 01-05-2026 · 1 in office 1 joined · 1 left View

Recent changes

  1. · Gazette deed Registered office moved from Jemeppe-Sur-Sambre to AnhéeResignation: Jacques SISCOT (director) · Permanent representative: Jacques SISCOT · Appointment: GROUPE DUVIVIER (director)
  2. · Gazette deed Change of role: Jacques SISCOT, from gérant non statutaire to administrateur non statutaire
  3. · Gazette deed Registered office moved from Anhée to Jemeppe-sur-Sambre
All 18 events

Comparable companies

These companies have the same main activity as A.D.F: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €215,000 and €353,000, founded between 2012 and 2016.

CompanyTotal assetsGross margin
A.D.F Anhée€279,510€259,142
UGOLPHI Namur€255,615€254,548
D.VISION Elsene€257,654€226,220
GOUT ET PASSION Seneffe€215,145€315,196
Zispa Retail Grimbergen€252,317€421,301
HTLR Retail Tessenderlo€334,437€355,466
SUPERMERCATO MANAGE Courcelles€352,626€194,044
Full comparison

Key facts about A.D.F

What is the company number of A.D.F?
The company number of A.D.F is 0567.973.701. The VAT number is the same number with BE in front: BE 0567.973.701.
Where is A.D.F based?
The registered office is at Place Communale 25, 5537 Anhée.Company details
What does A.D.F do?
According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
What is the legal form of A.D.F?
The legal form of A.D.F is Private limited company (BV).
When was A.D.F founded?
A.D.F was founded on 05-11-2014.
Is A.D.F still active?
Yes, A.D.F is an active enterprise in the KBO register.
How many employees does A.D.F have?
A.D.F had an average of 9.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does A.D.F fall under?
In its 2022 annual accounts, A.D.F states joint committee 201 (Paritair Comité voor de zelfstandige kleinhandel).
What is the turnover of A.D.F?
The turnover in financial year 2025 is ≈ €2.5m. This figure is estimated from the gross margin of €259,142 and 44 comparable companies (NACE 47110). It probably lies between €2.0m and €3.3m.
Is A.D.F profitable?
In financial year 2025, A.D.F made a profit of €8,496.
Where can I find the annual accounts of A.D.F?
A.D.F filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of A.D.F due?
A.D.F must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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