AF EPC CONSULT
ActiveAF EPC CONSULT has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €21k and a net result of €3k. Its solvency ranks better than 50% of 11614 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability80▼-20
Solvency80▲+11
Growth52
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.33 against 1.08 in 2023; short-term debt: 43% and cash: 8.2% of total assets), and 45% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
55%
Return on assets
8.6%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 2 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
13 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€21k▲ 18.5%
2023 · €18k
2023: €18k
2023 → 2024
Total assets
€39k▼ 4.7%
2023 · €40k
2023: €40k
2023 → 2024
Net result
€3k▼ 78.4%
2023 · €15k
2023: €15k
2023 → 2024
Working capital
€5k▲ 272%
2023 · €1k
2023: €1k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€18k-€21k▲ 18.5%
Operating result€20k-€6k▼ 70.1%
Net result€15k-€3k▼ 78.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 70% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €39k
Fixed assets
€17k▼ 21.8%
Current assets
€22k▲ 14.2%
Equity and liabilities €39k
Equity
€21k▲ 18.5%
Debt
€17k▼ 23.1%
The debt ratio falls from 55.7% to 45.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€14k▼
2023 · €23k
Cash flow
€11k▼
2023 · €19k
Solvency
55.0%▲
2023 · 44.3%
Current ratio
1.33▲
2023 · 1.08
Quick ratio
1.33▲
2023 · 1.08
Debt / equity
0.82▼
2023 · 1.26
ROE
15.6%▼
2023 · 86.0%
ROA
8.6%▼
2023 · 38.1%
Interest coverage
11.12▼
2023 · 49.93
Debt
€17k▼
2023 · €23k
Debt ≤ 1 year
€17k▼
2023 · €18k
Debt > 1 year
€754▼
2023 · €5k
Income taxes
€2k▼
2023 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€40k€39k▼
Fixed assets21/28€21k€17k▼
Tangible fixed assets22/27€21k€17k▼
Plant, machinery and equipment23€7k€7k▲
Furniture and vehicles24€14k€9k▼
Current assets29/58€19k€22k▲
Amounts receivable within one year40/41€11k€3k▼
Trade receivables40€2k€752▼
Other amounts receivable41€9k€2k▼
Cash at bank and in hand54/58€8k€3k▼
Deferred charges and accrued income490/1-€16k
Equity and liabilities
Total equity and liabilities10/49€40k€39k▼
Equity10/15€18k€21k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€15k€19k▲
Amounts payable17/49€23k€17k▼
Amounts payable after more than one year17€5k€754▼
Financial debts170/4€5k€754▼
Amounts payable within one year42/48€18k€17k▼
Current portion of amounts payable after more than one year42€7k€5k▼
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€8k€6k▼
Taxes450/3€8k€6k▼
Other amounts payable47/48-€3k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€8k▲
Other operating charges640/8€384€387▲
Gross operating margin9900€24k€14k▼
Operating profit (loss)9901€20k€6k▼
Financial income75/76B€234€344▲
Recurring financial income75€234€344▲
Financial charges65/66B€468€1k▲
Recurring financial charges65€468€1k▲
Profit (loss) for the period before taxes9903€20k€5k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€15k€3k▼
Profit (loss) for the period to be appropriated9905€15k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€19k▲
Profit (loss) brought forward from the previous period14P-€15k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
NBB filing
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Merchtem · 1 establishment unit since 2023
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Mieregemstraat 19A1785 MerchtemGround area
2,236 m²
Building footprint
289 m²
Volume, LiDAR
732 m³
Parcel 23602H0703/00A000, Flanders · tallest building 12.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
AF EPC CONSULT
since 20232.346.367.147
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23602H0703/00A000 | Flanders | 2,236 m² | 1 · 289 m² | 12.5 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 338 EUR awarded · 300 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 338 EUR | 300 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,264 companies in sector 71113 we hold annual accounts for 658. 508 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-06-2023
Fiscal year end31-12
Activities, NACEBEL
71113Urban planning and landscape architecture
71209Other technical testing and analysis
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.