AFA & FILS
ActiveAFA & FILS has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10k and a net result of €-10k. Its solvency ranks better than 30% of 11209 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
33
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability1
Solvency40
Growth-
Track record67
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.17; short-term debt: 84.7% and cash: 5.5% of total assets), and 84.7% 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.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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 2025Solvency, return and age of the figures
Solvency
15.3%
Return on assets
-14.3%
Age of the figures
9 mo
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 07-07-2026, 24 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
24 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€10k
Total assets
€68k
Net result
€-10k
Working capital
€9k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €68k
Equity
€10k
Debt
€57k
Debt finances 84.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€-9k
Cash flow
€-9k
Solvency
15.3%
Current ratio
1.17
Quick ratio
0.15
Debt / equity
5.52
ROE
-92.9%
ROA
-14.3%
Interest coverage
-155.04
Debt
€57k
Debt ≤ 1 year
€57k
Staff costs
€6k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€68k
Formation expenses20€904
Current assets29/58€67k
Stocks and contracts in progress3€58k
Stocks30/36€58k
Amounts receivable within one year40/41€5k
Trade receivables40€5k
Cash at bank and in hand54/58€4k
Equity and liabilities
Total equity and liabilities10/49€68k
Equity10/15€10k
Contributions10/11€20k
Profit (loss) carried forward14€-10k
Amounts payable17/49€57k
Amounts payable within one year42/48€57k
Trade debts44€698
Suppliers440/4€698
Taxes, remuneration and social security45€2k
Taxes450/3€2k
Remuneration and social security454/9€24
Other amounts payable47/48€54k
Income statement
Code2025
Remuneration, social security and pensions62€6k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€226
Other operating charges640/8€469
Gross operating margin9900€-3k
Operating profit (loss)9901€-10k
Financial charges65/66B€60
Recurring financial charges65€60
Profit (loss) for the period before taxes9903€-10k
Profit (loss) for the period9904€-10k
Profit (loss) for the period to be appropriated9905€-10k
Appropriation of the result
Profit (loss) to be appropriated9906€-10k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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, Vilvoorde · 1 establishment unit since 2024
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.
Lenterik 491800 VilvoordeGround area
760 m²
Building footprint
121 m²
Volume, LiDAR
687 m³
Parcel 23645C0352/00B004, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AFA & FILS
since 20242.366.604.614
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23645C0352/00B004 | Flanders | 760 m² | 1 · 121 m² | 8.0 m · 2 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.
Similar companies · same sector, comparable size
SILVER STAR TRADING
BE 0556.854.135
Elsene · Eq €10k
Denvers
BE 0612.974.672
Schaarbeek · Eq €10k
Geostar
BE 0787.268.331
Willebroek · Eq €10k
G & A MOTORS
BE 0478.884.149
Sint-Niklaas · Eq €10k
S-CARS
BE 0718.613.315
Dendermonde · Eq €10k
Of 2,131 companies in sector 46711 we hold annual accounts for 1,126. 474 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-11-2024
Fiscal year end31-12
Activities, NACEBEL
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
45112
46180Agents specialised in the wholesale of other particular products
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.