A&F HOLDING
ActiveSummary
The computed 12-month bankruptcy probability of A&F HOLDING is 16.4% (high). The 2025 annual accounts show negative equity (-€156,828) and a net result of -€147,448. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 10% of 22,774 sector peers (NACE 47, financial year 2025). The company has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Official details
Source: KBO- Status
- Active since 30-12-2019 Normal situation
- Activity
- Retail sale of cars and light vans (up to 3.5 tonnes) NACE 47811
- Establishment unit
- 2.297.457.371 3970 Leopoldsburg, since 30-12-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 16-12-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 16.4%
- Gross margin
- -€110,606
- Loss
- €147,448
- Equity
- -€156,828
- ▼ 1,572%
- Total assets
- €219,194
- ▼ 40.6%
- Staff
- ≈ 0.6 FTE
- estimated
- Negative equity on 31-12-2025
- 2025 accounts filed 77 days after the deadline
Score breakdownraises risk2 changes of registered office in 24 monthsLast filed accounts filed 77 days late; 2 of the last 3 accounts lateLiquidity: current ratio 0.07, cash €65, halvedLoss of €147,448 (financial year 2025)Show the evidence
Checked score
About 1 in 6 comparable companies go bankrupt within 12 months (an estimate).
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 6% of them on solvency, 1% on liquidity, 6% on profitability and 1% on growth.
The bankruptcy probability was computed on 03-11-2026 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
The company filed its last 6 accounts on average 84 days after 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)
Key points
- Risk: Negative equitydebts exceed assets in financial year 2025 -€156,828 View
- Caution: Equity fell in 2025from -€9,381 to -€156,828 ▼ 1,572% View
- Caution: Lower net result than 95% of companies in retail tradesector median €5,083 · 22,756 companies -€147,448 View
- Caution: A director leftlatest change 01-03-2026 · 1 in office 1 left View
Recent changes
- · Gazette deed Resignation: SAHINGOZ Akif (director)
- · Gazette deed Company renamed from A&F MOTORS to A&F HOLDINGRegistered office moved to Leopoldsburg · New seat: 3970 Leopoldsburg, Antwerpsesteenweg 230
- · Gazette deed Registered office moved from Leopoldsburg to LeopoldsubrgNew seat: Antwerpsesteenweg 228 bus A 3970 LEOPOLDSUBRG · Previous seat: Antwerpsesteenweg 230 te 3930 LEOPOLDSBURG
Comparable companies
These companies have the same main activity as A&F HOLDING: retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811). They are comparable in size and age: total assets between €172,000 and €285,000, founded between 2018 and 2020.
| Company | Total assets | Gross margin |
|---|---|---|
| A&F HOLDING Leopoldsburg | €219,194 | -€110,606 |
| Autohandel Jo Jaspers Bree | €284,735 | -€82,863 |
| DRACOFIN Silly | €222,108 | -€11,336 |
| VERHAEGHE ELECTRIC Overijse | €257,353 | €637 |
| AUTO' S WILRIJK Antwerpen | €197,405 | -€2,554 |
| FM MOTORS La Louvière | €171,505 | -€26,580 |
| FLACARS Antwerpen | €216,762 | -€27,964 |
Key facts about A&F HOLDING
- What is the company number of A&F HOLDING?
- The company number of A&F HOLDING is 0740.583.023. The VAT number is the same number with BE in front: BE 0740.583.023.
- Where is A&F HOLDING based?
- The registered office is at Antwerpsesteenweg 230, 3970 Leopoldsburg.Company details
- What does A&F HOLDING do?
- According to the KBO register, the main activity is retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811).
- What is the legal form of A&F HOLDING?
- The legal form of A&F HOLDING is Private limited company (BV).
- When was A&F HOLDING founded?
- A&F HOLDING was founded on 30-12-2019.
- Is A&F HOLDING still active?
- Yes, A&F HOLDING is an active enterprise in the KBO register.
- How many employees does A&F HOLDING have?
- A&F HOLDING had an average of 2.5 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
- What is the turnover of A&F HOLDING?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it. In financial year 2022 turnover was €438,090.
- Is A&F HOLDING profitable?
- In financial year 2025, A&F HOLDING made a loss of €147,448.
- Where can I find the annual accounts of A&F HOLDING?
- A&F HOLDING filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of A&F HOLDING due?
- A&F HOLDING must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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