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Complete company report
Generated 14-08-2026
Active BE 0823.483.973Private limited company (pre-2019)Open bankruptcy

A.F.B.

· 16 yrs active
Sector: Detailhandel in tabaksproducten (47260)
Conclusion Checked

A bankruptcy procedure is open for A.F.B. according to publications in the Belgian State Gazette. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.
Key figures
Active 16 yrs
Board 1
Publications 2
Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based
50 / 100
High riskRegister: open bankruptcy
This score counts publications in the Belgian State Gazette only. The KBO register additionally records legal situation 050 for this company; it does not feed the figure above.
Components
· Open bankruptcy (+50)
Trust signals 2 signals
Register: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financial overview
No annual accounts filed
We find no annual accounts filed with the National Bank for this company. Not every legal form has to file: sole traders, small non-profits and dormant companies generally publish no figures. If the company files later, the figures appear here automatically.
Directors & mandates 2 directors
Current directors & mandates
  • Spaggiari Angelo
    Director
    State Gazette act 26012238 (26-01-2026)
    Current
    26-01-2026 → present
Former directors (1)
  • Steppe Godelieve
    Director
    State Gazette act 26012238 (26-01-2026)
    Former
    - → 26-01-2026
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Directors & mandates2 persons
Role Name Tenure Source
Curator VIVIANE MISSOUL
KONING ALBERTLAAN 186, 3010 KESSEL-LO
 11-06-2026 → present Belgian State Gazette
Curator TOM VAN DER LINDEN
KONING ALBERTLAAN 186, 3010 KESSEL-LO-
 11-06-2026 → present Belgian State Gazette
Legal Structure
NACE primary Detailhandel in tabaksproducten(47260)
Legal form Private limited company (pre-2019)(015)
Incorporation26-02-2010
StatusActive
Postal code-
First BS signal 18-06-2026
Latest BS signal 18-06-2026
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24036B0429/00X000 Flanders 102 m² 1 · 122 m² 7.7 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
18-06-2026
Bankruptcy Opening
Ondernemingsrechtbank Leuven · A.F.B. BVBA HOUTSTRAAT 5, 3440 ZOUTLEEUW · event 11-06-2026
26-01-2026
State Gazette act Director changes
v3.2
Lifecycle & Insolvency Signals 1 events
18-06-2026
Bankruptcy Opening
Date: 11-06-2026 · Ondernemingsrechtbank Leuven · A.F.B. BVBA HOUTSTRAAT 5, 3440 ZOUTLEEUW · Publications in State Gazette ↗
Time machine, BS events + macro context 2021, 2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262026-06-18 · Bankruptcy · Opening
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 6 months ago
2026
26-01-2026 1 director appointed, 1 resigning Director changes
  • Spaggiari Angelo, Bestuurder
  • Steppe Godelieve, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Steppe Godelieve",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "De vergadering aanvaard het ontslag van zijn bestuurder mevr Steppe Godelieve voornoemd. De vergadering geeft haar eveneens volledige kwijting voor haar gevoerde beleid tot heden.",
      "discharge_granted": true
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Spaggiari Angelo",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Benoeming als nieuwe bestuurder van dhr Spaggiari Angelo voornoemd die aanvaard.."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0823.483.973",
    "name_full": "A.F.B.",
    "legal_form": "BVBA"
  }
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)47112Detailhandel in tabaksproducten in gespecialiseerde winkels47260Detailhandel in tabaksproducten47260Groothandel in dranken, algemeen assortiment46349Groothandel in dranken, algemeen assortiment46349Groothandel in tabaksproducten46350Groothandel in tabaksproducten46350Groothandel in suiker, chocolade en suikerwerk46360Groothandel in suiker, chocolade en suikerwerk46360Detailhandel in chocolade en suikerwerk in gespecialiseerde winkels47242Detailhandel in chocolade en suikerwerk47242Detailhandel in dranken in gespecialiseerde winkels, algemeen assortiment47252Detailhandel in dranken, algemeen assortiment47252
Primary activity highlighted.
Names & trade names
Legal nameNL A.F.B.
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative