AF. EVRARD
ActiveSummary
AF. EVRARD is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (€-395k) and a net result of €27k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 6156 sector peers (fiscal year 2024). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-09-2026, 47 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 · 9 filingsDeviation from the deadline
2025
47 d late
2024
90 d late
2023
84 d late
2022
87 d late
2021
12 d late
2020
39 d late
2019
31 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-395k▲ 6.5%
2024 · €-422k
2018: €230k
2019: €236k
2020: €-280k
2021: €-277k
2022: €-241k
2023: €-474k
2024: €-422k
2018 → 2025
Net result
€27k▼ 47.3%
2024 · €52k
2018: €-402
2019: €7k
2020: €-516k
2021: €3k
2022: €36k
2023: €-234k
2024: €52k
2018 → 2025
Total assets
€498k▲ 2.5%
2024 · €486k
2018: €1.25M
2019: €1.26M
2020: €690k
2021: €708k
2022: €838k
2023: €602k
2024: €486k
2018 → 2025
Solvency
-79.2%▲ 7.6pp
2024 · -86.8%
2018: 18.3%
2019: 18.8%
2020: -40.6%
2021: -39.1%
2022: -28.7%
2023: -78.8%
2024: -86.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-277k-€-241k▲ 13.1%€-474k▼ 97.1%€-422k▲ 11.0%€-395k▲ 6.5%
Operating result€21k-€44k▲ 105%€52k▲ 20.3%€74k▲ 41.6%€43k▼ 42.4%
Net result€3k-€36k▲ 1,008%€-234k€52k€27k▼ 47.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 42% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €498k
Fixed assets
€478k =
Current assets
€20k ▲ 152%
Key figures and ratios
ROA
5.5%▼
2024 · 10.7%
Debt
€893k▼
2024 · €908k
Debt ≤ 1 year
€763k▼
2024 · €778k
Debt > 1 year
€130k=
2024 · €130k
Income taxes
€15k▼
2024 · €22k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€486k€498k▲
Fixed assets21/28€478k€478k=
Financial fixed assets28€478k€478k=
Current assets29/58€8k€20k▲
Amounts receivable within one year40/41€8k€20k▲
Trade receivables40€6k€20k▲
Other amounts receivable41€2k€528▼
Equity and liabilities
Total equity and liabilities10/49€486k€498k▲
Equity10/15€-422k€-395k▲
Contributions10/11€280k€280k=
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Profit (loss) carried forward14€-705k€-678k▲
Amounts payable17/49€908k€893k▼
Amounts payable after more than one year17€130k€130k=
Financial debts170/4€130k€130k=
Amounts payable within one year42/48€778k€763k▼
Financial debts43€5k€8k▲
Credit institutions430/8€5k€8k▲
Trade debts44€84€4k▲
Suppliers440/4€84€4k▲
Taxes, remuneration and social security45€77k€112k▲
Taxes450/3€77k€112k▲
Other amounts payable47/48€696k€639k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36-
Other operating charges640/8-€5k
Gross operating margin9900€74k€47k▼
Operating profit (loss)9901€74k€43k▼
Financial charges65/66B€236€431▲
Recurring financial charges65€236€431▲
Profit (loss) for the period before taxes9903€74k€42k▼
Income taxes67/77€22k€15k▼
Profit (loss) for the period9904€52k€27k▼
Profit (loss) for the period to be appropriated9905€52k€27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-705k€-678k▲
Profit (loss) brought forward from the previous period14P€-757k€-705k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 47 days late
2025
17-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 90 days late
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 90 days late
2024
31-12
Financial
Back to profitnet €52k
Net result €52k after one loss-making year.
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 84 days late
2023
26-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 87 days late
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 12 days late
2021
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
08-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 39 days late
2020
31-12
Financial
Weakest financial yearnet €-516k ▼7542%
Net result drops to €-516k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Liège · 1 establishment unit since 2009
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.
Féronstrée 144000 LiègeGround area
700 m²
Building footprint
227 m²
Volume, LiDAR
3,827 m³
2 parcels, Wallonia · tallest building 20.6 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
AF. EVRARD
since 20092.179.920.788
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62802B0178/00L000 ProtectedMonument |
Wallonia | 560 m² | 1 · 94 m² | 17.6 m · 5 fl. |
| 62810C1088/00F000 ProtectedMonument |
Wallonia | 141 m² | 1 · 132 m² | 20.6 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
2 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
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J & D PEETERS
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Bermarque
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DORINE VERHAERT
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,601 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-05-2009
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.