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AFA & FILS

Active
Private limited companyfounded 2024active for 1 yearLenterik 49, 1800 Vilvoorde, BelgiumKBO/BCE: BE 1016.021.253
Summary

The computed 12-month bankruptcy probability of AFA & FILS is 2.4% (moderate). The 2025 annual accounts show equity of €10,369 and a net result of -€9,631. Its solvency ranks better than 31% of 13,749 sector peers (NACE 46, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 07-11-2024 Normal situation
Activity
Wholesale of cars and light vans (up to 3.5 tonnes) NACE 46711and 2 others
Establishment unit
2.366.604.614 1800 Vilvoorde, since 26-11-2024
Financial year end
31 December
Peppol
Reachable since 14-11-2025

Board and ownership

Board
Shareholders
  • IDBAHA Latifadeed of 12-11-2024

Financial position

51 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
2.4%
Annual accounts 2025
Gross margin
-€2,802
Loss
€9,631
Equity
€10,369
Total assets
€67,562
Staff
≈ 0.2 FTE
estimated
Turnover not published (micro format)
Score breakdownraises riskFounded in 2024Equity €10,369 (15.3% of total assets)Liquidity: current ratio 1.17, cash €3,723lowers riskFigures for financial year 2025 (filed on 07-07-2026)Show the evidence

Checked score

Score 2025
51 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 17% of micro companies in wholesale trade (NACE 46)
Financial strength
Weak
Solvency 40
equity 15.3% of total assets
Liquidity 10
short-term debt 84.7% · cash 5.5%
Profitability 1
return on assets -14.3%
Bankruptcy probability within 12 months
2.4% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,896 companies, NACE 46, micro)
Last 24 months 12-2025: 1.6%lowest value 01-2026: 1.7%▲ +0.1 percentage points vs 12-2025 02-2026: 1.7%● unchanged vs 01-2026 03-2026: 2.1%▲ +0.4 percentage points vs 02-2026 04-2026: 2.1%● unchanged vs 03-2026 05-2026: 2.4%▲ +0.3 percentage points vs 04-2026 06-2026: 2.6%▲ +0.2 percentage points vs 05-2026 07-2026: 2.7%▲ +0.1 percentage points vs 06-2026highest value 08-2026: 2.3%▼ -0.4 percentage points vs 07-2026 09-2026: 2.3%● unchanged vs 08-2026 10-2026: 2.4%▲ +0.1 percentage points vs 09-2026 11-2026: 2.4%● unchanged vs 10-2026
Credit of up to €500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.17, below the usual 1.5. Short-term debt is 84.7% and cash 5.5% of total assets. 84.7% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 27% of them on solvency, 11% on liquidity and 12% on profitability.

The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

The probability rests on the annual accounts with balance sheet date 31-12-2025.

Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
raises risk · Founded in 2024
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Equity €10,369 (15.3% of total assets)
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 07-07-2026)
NBB · annual accounts
raises risk · Liquidity: current ratio 1.17, cash €3,723
NBB · annual accounts
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 filing
Deviation from the deadline
2025
24 days early
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2024.
KBO publications

Key points

  • Caution: Lower net result than 81% of companies in wholesale tradesector median €5,648 · 13,755 companies -€9,631 View

Recent changes

  1. · Gazette deed IncorporationFounding capital of €20,000, 100 shares · Founder: IDBAHA Latifa · Appointment: IDBAHA Latifa (director)
All 2 events

Comparable companies

These companies have the same main activity as AFA & FILS: wholesale of cars and light vans (up to 3.5 tonnes) (NACE 46711). They are comparable in size and age: total assets between €49,000 and €81,900, founded in 2024.

CompanyTotal assetsGross margin
AFA & FILS Vilvoorde€67,562-€2,802
NATIVE AUTO Vilvoorde€56,238€715
YA-MOTORS Sint-Genesius-Rode€69,385-€1,735
EC CARS Wemmel€48,955-€46,788
MON AGENCE AUTO Tongeren-Borgloon€78,450-€25,364
DBCarSelect Namur€81,907-€16,235
SAFE AUTO Haaltert€67,375-€1,953
Full comparison

Key facts about AFA & FILS

What is the company number of AFA & FILS?
The company number of AFA & FILS is 1016.021.253. The VAT number is the same number with BE in front: BE 1016.021.253.
Where is AFA & FILS based?
The registered office is at Lenterik 49, 1800 Vilvoorde.Company details
What does AFA & FILS do?
According to the KBO register, the main activity is wholesale of cars and light vans (up to 3.5 tonnes) (NACE 46711).
What is the legal form of AFA & FILS?
AFA & FILS is a private limited company (BV).
When was AFA & FILS founded?
AFA & FILS was founded on 07-11-2024.
Is AFA & FILS still active?
Yes, AFA & FILS is an active enterprise in the KBO register.
What is the turnover of AFA & FILS?
The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
Is AFA & FILS profitable?
In financial year 2025, AFA & FILS made a loss of €9,631.
Where can I find the annual accounts of AFA & FILS?
AFA & FILS filed 1 annual account with the National Bank of Belgium, for financial year 2025.

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