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A&F GROUP

Active
Private limited companyfounded 2023active for 3 yearsSpitaalpoortstraat 22, 9000 Gent, BelgiumKBO/BCE: BE 1001.078.404

From the official registers: KBO 2 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

The computed 12-month bankruptcy probability of A&F GROUP is 3.3% (moderate). The 2025 annual accounts show equity of €281 and a net result of €505. Its solvency ranks better than 13% of 5,655 sector peers (NACE 81, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow ReportCompare
A&F GROUPActiveChecked score 50/100
Risk analysis ReportCompare

Overview

Official details

KBO
Status
Active since 11-10-2023 Normal situation
Legal form
Private limited company
Registered office
Spitaalpoortstraat 22, 9000 Gent
Activity
General cleaning of buildings NACE 81210and 2 others
Establishment unit
2.351.421.243 9000 Gent, since 11-10-2023
Financial year end
30 June
Peppol
Reachable since 29-12-2025
Company details

Who decides

Board
Board & ownership

How it is doing

50 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
3.3%
Annual accounts to 30-06-2025
Gross margin
€6,042
▲ 80.4%
Turnover
≈ €49,000
estimated
Profit
€505
Equity
€281
Total assets
€25,911
▲ 20.1%
2025 accounts 16 days early
Filed on 15-01-2026PDF
Financials
Why 50raises riskFounded in 2023Liquidity: current ratio 0.69Sector: Services to buildings and landscape activities (NACE 81)lowers riskSize: total assets €25,911Show the evidence

Checked score

Score 2025
50 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 45% of its sector peers (NACE 81, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Average
Solvency 26+2
equity 1.1% of total assets
Liquidity 41+5
short-term debt 56.8%
Profitability 71+4
return on assets 1.9%
Bankruptcy probability, 12 months
3.3% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.9% (7,707 companies, NACE 81, micro)
Last 24 months 11-2024: 2.0%lowest value 12-2024: 2.0%● unchanged vs 11-2024 01-2025: 2.0%● unchanged vs 12-2024 02-2025: 2.5%▲ +0.5 percentage points vs 01-2025 03-2025: 3.1%▲ +0.6 percentage points vs 02-2025 04-2025: 3.4%▲ +0.3 percentage points vs 03-2025 05-2025: 3.6%▲ +0.2 percentage points vs 04-2025 06-2025: 3.6%● unchanged vs 05-2025 07-2025: 3.6%● unchanged vs 06-2025 08-2025: 3.6%● unchanged vs 07-2025 09-2025: 3.6%● unchanged vs 08-2025 10-2025: 3.8%▲ +0.2 percentage points vs 09-2025 11-2025: 3.8%● unchanged vs 10-2025 12-2025: 3.8%● unchanged vs 11-2025 01-2026: 3.8%● unchanged vs 12-2025highest value 02-2026: 3.6%▼ -0.2 percentage points vs 01-2026 03-2026: 3.6%● unchanged vs 02-2026 04-2026: 3.6%● unchanged vs 03-2026 05-2026: 3.5%▼ -0.1 percentage points vs 04-2026 06-2026: 3.4%▼ -0.1 percentage points vs 05-2026 07-2026: 3.2%▼ -0.2 percentage points vs 06-2026 08-2026: 3.2%● unchanged vs 07-2026 09-2026: 3.3%▲ +0.1 percentage points vs 08-2026 10-2026: 3.3%● unchanged vs 09-2026
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 81, micro): better than 11% on solvency, 34% on liquidity, 39% on profitability and 96% on growth.

The bankruptcy probability was computed on 31-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · Founded in 2023
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · Liquidity: current ratio 0.69
NBB · annual accounts
raises risk · Sector: Services to buildings and landscape activities (NACE 81)
KBO
lowers risk · Size: total assets €25,911
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 5655 sector peers (2025).
NBB · sector comparison
Position among 5655 sector peers
Solvency
better than 13%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-01-2026, 16 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
16 days early
2024
7 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 5 days before the deadline; the sector median (NACE 81) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today.
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end01-11-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2023.
KBO publications · our coverage

Key points

  • Caution: Among the weakest 13% on equitysector median €44,841 · 5,660 companies €281 View

Documents

Annual accounts at the NBB

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about A&F GROUP

What is the company number of A&F GROUP?
1001.078.404. In Belgium the VAT number is the company number with BE in front: BE 1001.078.404.
Where is A&F GROUP based?
The registered office is at Spitaalpoortstraat 22, 9000 Gent.Company details
What does A&F GROUP do?
According to the KBO register, the main activity is general cleaning of buildings (NACE 81210).
What is the legal form of A&F GROUP?
Private limited company (BV).
When was A&F GROUP founded?
On 11-10-2023.
Is A&F GROUP still active?
Yes, A&F GROUP is an active enterprise in the KBO register.
What is the turnover of A&F GROUP?
≈ €49,000 in financial year 2025. Estimated from the gross margin of €6,042: probably between €21,000 and €99,000, based on 38 comparable companies, NACE 81210. A rough estimate.Financials
Is A&F GROUP profitable?
In financial year 2025, A&F GROUP made a profit of €505.
Where can I find the annual accounts of A&F GROUP?
A&F GROUP filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts 2025 (PDF)
When are the next annual accounts of A&F GROUP due?
By 31-01-2027, for financial year 2026.Timeline

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