Skip to content

AFA consulting & construct

Active
Private limited companyfounded 20251 yr activeDendermondsesteenweg 136, 2870 Puurs-Sint-Amands, BelgiumKBO/BCE: BE 1020.603.019
Summary

The computed 12-month bankruptcy probability of AFA consulting & construct is 2.6% (moderate). The 2025 annual accounts show negative equity (-€5,409) and a net result of -€7,909. Its solvency ranks better than 7% of 7564 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability0
Solvency0
Growth-
Track record67
Bankruptcy probability, 12 months
2.6% Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.75; short-term debt: 133% and cash: 0.1% of total assets), and equity is negative.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 2025
Solvency, return and age of the figures
Solvency
-33%
Return on assets
-48.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-09-2026, 40 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 · 1 filing
Deviation from the deadline
2025
40 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 3 March 2025, AFA consulting & construct was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

Go further with this company

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Equity
-€5,409
Total assets
€16,409
Net result
-€7,909
Working capital
-€5,409

Turnover and EBIT margin not published: the micro schema does not require them.

Key figures and ratios
2025 value
Solvency
-33.0%
Current ratio
0.75
Debt to equity
-4.03
ROA
-48.2%
Debt
€21,818
Debt ≤ 1 year
€21,818
Income taxes
€839
Staff costs
€415

Peer companies

Historical observation

Of the 1,323 companies that looked in July 2024 the way this one looks now, 3.6% went bankrupt within 24 months and 90% are still going.

  • Micro
  • under 2 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
3.6% went bankrupt
5.6% stopped otherwise
90% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 2.6% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 1,323 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 29 lines
Balance sheet Code2025
Assets
Total assets20/58€16,409
Current assets29/58€16,409
Amounts receivable within one year40/41€16,400
Trade receivables40€8,000
Other amounts receivable41€8,400
Cash at bank and in hand54/58€9
Equity and liabilities
Total equity and liabilities10/49€16,409
Equity10/15-€5,409
Contributions10/11€2,500
Profit (loss) carried forward14-€7,909
Amounts payable17/49€21,818
Amounts payable within one year42/48€21,818
Trade debts44€11,652
Suppliers440/4€11,652
Taxes, remuneration and social security45€10,166
Taxes450/3€10,166
Income statement Code2025
Remuneration, social security and pensions62€415
Other operating charges640/8€673
Gross operating margin9900-€5,832
Operating profit (loss)9901-€6,919
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€150
Recurring financial charges65€150
Profit (loss) for the period before taxes9903-€7,070
Income taxes67/77€839
Profit (loss) for the period9904-€7,909
Profit (loss) for the period to be appropriated9905-€7,909
Appropriation of the result
Profit (loss) to be appropriated9906-€7,909

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Remuneration, social security and pensions62€415
Other operating charges640/8€673
Gross operating margin9900-€5,832
Operating profit (loss)9901-€6,919
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€150
Recurring financial charges65€150
Profit (loss) for the period before taxes9903-€7,070
Income taxes67/77€839
Profit (loss) for the period9904-€7,909
Profit (loss) for the period to be appropriated9905-€7,909
Line2025
Assets
Total assets20/58€16,409
Current assets29/58€16,409
Amounts receivable within one year40/41€16,400
Trade receivables40€8,000
Other amounts receivable41€8,400
Cash at bank and in hand54/58€9
Equity and liabilities
Total equity and liabilities10/49€16,409
Equity10/15-€5,409
Contributions10/11€2,500
Profit (loss) carried forward14-€7,909
Amounts payable17/49€21,818
Amounts payable within one year42/48€21,818
Trade debts44€11,652
Suppliers440/4€11,652
Taxes, remuneration and social security45€10,166
Taxes450/3€10,166
Line2025
Profit (loss) for the period9904-€7,909
Operating cash flow (approximation)-€7,909

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

2026
09-09
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 40 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
1 act for this company is 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, Puurs-Sint-Amands · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
734 m²
Building footprint
147 m²
Volume, LiDAR
713 m³
Parcel 12022B0314/02P000, Flanders · tallest building 9.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
AFA consulting & construct
Dendermondsesteenweg 136, 2870 Puurs-Sint-AmandsGeneral construction of residential buildings
since 20252.372.810.436
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
12022B0314/02P000 Flanders 734 m² 1 · 147 m² 9.5 m · 1 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 29,787 companies in sector 41001 we hold annual accounts for 16,052. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded03-03-2025
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
41003General construction of other non-residential buildings
70200Business and other management consultancy
71111Activities of building architects
71121Engineering and related technical consultancy, excluding land surveyors
74130Interior design
E-invoicing
Reachable via Peppol
Peppol ID 0208:1020603019
Also 9925:BE1020603019
Registered 29-12-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.