Financials
- Fiscal year
- 2025
- Total assets
- €253,336
- Profit
- €12,993
- Solvency
- 27.3%
Total assets▼ 1.7%
Net result
20222025
A & F
ActiveSummary
The computed 12-month bankruptcy probability of A & F is 1.8% (moderate). The 2025 annual accounts show equity of €69,065 and a net result of €12,993. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 44% of 20110 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
Non-specialised retail sale with food, beverages or tobacco predominating
NACE 47110NACE 47113
1 site
How big
€253,336total assets 2025
- Staff
- 3.5 FTE
- Equity
- €69,065
- Profit
- €12,993
Turnover not published (abridged schema)
Who decides
Accounts filed 53 d late0 of 1 deed read
Why 59- Limited track record- Higher-failure-rate sectorFiled after the deadlineShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability75▲+44
Solvency52▲+5
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.17 in 2024; short-term debt: 61.3% and cash: 27.2% of total assets), and 72.7% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 28-02-2025 was due by 30-09-2025 and was filed on 22-11-2025, 53 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
53 d late
2024
31 d late
2023
12 d early
2022
12 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 21 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
- Back to profitnet €12,993
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 6
- Since
- 2022
- 22-11-2025Annual accounts filed
- 28-02-2025Back to profit
- 31-10-2024Annual accounts filed
Support & recognitions
- Funding sources
- 1
- Flemish government
- €4,000awarded · 2024 - 2025
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Non-specialised retail sale with food, beverages or tobacco…NACE 47110
- Founded
- 10-06-2020
- Year ends
- 28-02
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidies How does this company compare with its sector?Sector benchmark
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