AFA BEHEER
ActiveAFA BEHEER has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €82k and a net result of €-15k. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 14% of 3184 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▼-23
Solvency34▼-55
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 22.5 against 23.8 in 2024; short-term debt: 0.3% and cash: 3.5% of total assets), but 90.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 3184 sector peers (2025).
NBB · sector comparisonPosition among 3184 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-07-2026, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
10 d early
2024
13 d early
2023
13 d early
2022
88 d early
2021
79 d early
2020
74 d early
2019
43 d early
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-15k
2024 · €11k
2018: €1k
2019: €3k
2020: €2k
2021: €4k
2022: €-2k
2023: €6k
2024: €11k
2018 → 2025
Working capital
€47k▼ 52.3%
2024 · €99k
2018: €75k
2019: €77k
2020: €82k
2021: €87k
2022: €80k
2023: €90k
2024: €99k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€83k-€80k▼ 3.0%€86k▲ 7.5%€97k▲ 12.7%€82k▼ 15.5%
Operating result€1k-€3k▲ 142%€3k▲ 1.3%€3k▲ 0.3%€-5k
Net result€4k-€-2k€6k€11k▲ 82.0%€-15k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €3k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €869k
Fixed assets
€820k▲ 1,582%
Current assets
€49k▼ 52.2%
Equity and liabilities €869k
Equity
€82k▼ 15.5%
Debt
€787k▲ 1,349%
The debt ratio rises from 35.8% to 90.5%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
9.5%▼
2024 · 64.2%
Current ratio
22.50▼
2024 · 23.80
Quick ratio
22.50▼
2024 · 23.80
Debt / equity
9.57▲
2024 · 0.56
ROE
-18.3%▼
2024 · 11.3%
ROA
-1.7%▼
2024 · 7.2%
Debt
€787k▲
2024 · €54k
Debt ≤ 1 year
€2k▼
2024 · €4k
Debt > 1 year
€785k▲
2024 · €50k
Income taxes
€1k▼
2024 · €2k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€152k€869k▲
Fixed assets21/28€49k€820k▲
Tangible fixed assets22/27€49k€820k▲
Land and buildings22-€213k
Assets under construction and advance payments27€49k€607k▲
Current assets29/58€103k€49k▼
Amounts receivable within one year40/41€3k€18k▲
Trade receivables40€2k€5k▲
Other amounts receivable41€717€14k▲
Current investments50/53€96k-
Cash at bank and in hand54/58€4k€31k▲
Deferred charges and accrued income490/1-€30
Equity and liabilities
Total equity and liabilities10/49€152k€869k▲
Equity10/15€97k€82k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€4k€4k=
Non-distributable reserves130/1€4k€4k=
Legal reserve130€4k€4k=
Profit (loss) carried forward14€31k€16k▼
Amounts payable17/49€54k€787k▲
Amounts payable after more than one year17€50k€785k▲
Financial debts170/4€50k€785k▲
Amounts payable within one year42/48€4k€2k▼
Trade debts44-€227
Suppliers440/4-€227
Taxes, remuneration and social security45€4k€2k▼
Taxes450/3€4k€2k▼
Other amounts payable47/48€747€85▼
Income statement
Code20242025
Other operating charges640/8€158€520▲
Gross operating margin9900€3k€-4k▼
Operating profit (loss)9901€3k€-5k▼
Financial income75/76B€10k€926▼
Recurring financial income75€10k€926▼
Financial charges65/66B€0€10k▲
Recurring financial charges65€0€10k▲
Profit (loss) for the period before taxes9903€13k€-14k▼
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€11k€-15k▼
Profit (loss) for the period to be appropriated9905€11k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€32k€16k▼
Profit (loss) brought forward from the previous period14P€21k€31k▲
Transfer to equity691/2€550-
To the legal reserve6920€550-
The notes to these accounts (5 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
21-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-15k ▼238%
Net result drops to €-15k, the lowest in the series.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €11k ▲82%
Operating result €3k, net result €11k, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
04-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity times 5current ratio 94.83
Current ratio from 18.41 to 94.83; short-term debt falls from €5k to €856.
13-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity quadruplescurrent ratio 18.41
Current ratio from 4.55 to 18.41; short-term debt falls from €23k to €5k.
18-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Kapellen · 1 establishment unit since 1992
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.
Antwerpsesteenweg 1442950 KapellenGround area
1,128 m²
Building footprint
243 m²
Volume, LiDAR
2,147 m³
Parcel 11902F0127/00M003, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Antwerpsesteenweg 144, 2950 Kapellen
since 19922.059.792.723
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11902F0127/00M003 | Flanders | 1,128 m² | 1 · 243 m² | 11.7 m · 3 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.
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 40,189 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded26-11-1992
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 33 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.