Financials
- Fiscal year
- 2026
- Total assets
- €270,031
- Profit
- €14,357
- Solvency
- 30.9%
Total assets▲ 6.6%
Net result
20222026
A & F
ActiveSummary
A & F has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €83,421 and a net result of €14,357. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 45% of 283 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 1.0% (low).
Overview
Activity
Non-specialised retail sale with food, beverages or tobacco predominating
NACE 47110NACE 47113
1 site
Size
€270,031total assets 2026
- Staff
- 3 FTE
- Equity
- €83,421
- Profit
- €14,357
Turnover not published (abridged schema)
Structure
Accounts on time0 of 1 deed read
Why 67- Latest accounts 2 days late; 2 of the last 3 late- Size: total assets €270,031- Founded in 2020+ Liquidity: current ratio 1.33, cash €79,736Show the evidence
Checked score
Score 2026
67
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 58% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2025
Strong
Solvency
56+4
equity 30.9% of total assets
Liquidity
53+1
short-term debt 64.8% · cash 29.5%
Profitability
71-4
return on assets 5.3%
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 21 months
02-2025: 1.7%
03-2025: 1.6%▼ -2.2% vs 02-2025
04-2025: 1.6%● 0.0% vs 03-2025
05-2025: 1.6%▼ -0.1% vs 04-2025
06-2025: 1.7%▲ +3.3% vs 05-2025
07-2025: 1.7%▲ +2.7% vs 06-2025
08-2025: 1.8%▲ +1.7% vs 07-2025
09-2025: 1.7%▼ -1.0% vs 08-2025
10-2025: 2.3%▲ +31.9% vs 09-2025
11-2025: 2.5%▲ +11.1% vs 10-2025highest value
12-2025: 1.6%▼ -37.0% vs 11-2025
01-2026: 1.6%▲ +1.0% vs 12-2025
02-2026: 1.6%● 0.0% vs 01-2026
03-2026: 1.6%▼ -2.2% vs 02-2026
04-2026: 1.6%▲ +0.6% vs 03-2026
05-2026: 1.6%● 0.0% vs 04-2026
06-2026: 1.6%▲ +2.9% vs 05-2026
07-2026: 1.6%▼ -0.6% vs 06-2026
08-2026: 1.6%▼ -3.0% vs 07-2026
09-2026: 1.4%▼ -11.0% vs 08-2026
10-2026: 1.0%▼ -28.1% vs 09-2026lowest value
- Latest accounts 2 days late; 2 of the last 3 late raises the probability
- Liquidity: current ratio 1.33, cash €79,736 lowers the probability
- Size: total assets €270,031 raises the probability for this profile
- Founded in 2020 raises the probability for this profile
Credit up to €5,000 at 30 days acceptable
Liquidity tight (current ratio 1.33 against 1.25 in 2025; short-term debt: 64.8% and cash: 29.5% of total assets), and 69.1% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 46%, liquidity 57%, profitability 54%, growth against the median 73%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 28-02-2026 was due by 30-09-2026 and was filed on 30-09-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2026
on the day
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 5 accounts on average 17 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 (2)
neutral · The next deadline is still running
The next financial year closes on 28-02-2027 and is due by 30-09-2027. Nothing is late today. Usually files around 12 October (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
03-10-2026 today28-02-2027 close30-09-2027 deadline
- Annual accounts filedfiscal year 2026 · micro…
- Annual accounts filedfiscal year 2025 · micro…
- Back to profitnet €12,993
Key points
By topic
Timeline
- Events
- 7
- Since
- 2022
- Next accounts
- by 30-09-2027
- 30-09-2026Annual accounts filed
- 22-11-2025Annual accounts filed
- 28-02-2025Back to profit
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
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.