AFC Conseil
ActiveSummary
AFC Conseil has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €376k and a net result of €100k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 76% of 12738 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability95▲+5
Solvency100=
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 3.81 against 3.2 in 2024; short-term debt: 16.9% and cash: 4.9% of total assets), and 20.8% of the assets are financed with debt.
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Signals
Five 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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
79.2%
Return on assets
21.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
2024 · €0
Total assets
€475k▼ 22.0%
2024 · €610k
Net result
€100k▼ 5.5%
2024 · €106k
Working capital
€226k▼ 21.2%
2024 · €286k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Turnover€0-€0€0
Operating result€246k-€158k▼ 35.7%€151k▼ 4.1%
Net result€170k-€106k▼ 37.7%€100k▼ 5.5%
Equity€385k-€455k▲ 18.2%€376k▼ 17.3%
Total assets€541k-€610k▲ 12.6%€475k▼ 22.0%
Debt€156k-€154k▼ 0.9%€99k▼ 36.0%
Working capital€229k-€286k▲ 25.2%€226k▼ 21.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 4% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €475k
Fixed assets
€169k ▼ 12.4%
Current assets
€306k ▼ 26.5%
Equity and liabilities €475k
Equity
€376k ▼ 17.3%
Debt
€99k ▼ 36.0%
Debt's share of the balance-sheet total falls from 25.3% to 20.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€179k▼
2024 · €182k
Cash flow
€128k▼
2024 · €131k
Current ratio
3.81▲
2024 · 3.20
Debt to equity
0.26▼
2024 · 0.34
ROE
26.6%▲
2024 · 23.3%
ROA
21.1%▲
2024 · 17.4%
Interest coverage
108.54▼
2024 · 518.67
Debt ≤ 1 year
€80k▼
2024 · €130k
Debt > 1 year
€16k▼
2024 · €25k
Income taxes
€50k▼
2024 · €53k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Turnover70 | €0 | €0 | €0 | - |
| Goods, raw materials, services and sundry goods60/61 | €0 | €0 | €0 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10k | €25k | €28k | ▲ 12.3% |
| Other operating charges640/8 | - | €7k | €3k | ▼ 55.5% |
| Non-recurring operating charges66A | - | €63 | - | - |
| Gross operating margin9900 | €255k | €190k | €182k | ▼ 4.0% |
| Operating profit (loss)9901 | €246k | €158k | €151k | ▼ 4.1% |
| Financial income75/76B | €5k | €1k | €944 | ▼ 18.9% |
| Recurring financial income75 | €2k | €1k | €944 | ▼ 18.9% |
| Non-recurring financial income76B | €3k | - | - | - |
| Financial charges65/66B | €27 | €352 | €2k | ▲ 369% |
| Recurring financial charges65 | €27 | €352 | €2k | ▲ 369% |
| Profit (loss) for the period before taxes9903 | €251k | €159k | €151k | ▼ 5.1% |
| Income taxes67/77 | €80k | €53k | €50k | ▼ 4.2% |
| Profit (loss) for the period9904 | €170k | €106k | €100k | ▼ 5.5% |
| Profit (loss) for the period to be appropriated9905 | €170k | €106k | €100k | ▼ 5.5% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €541k | €610k | €475k | ▼ 22.0% |
| Fixed assets21/28 | €157k | €193k | €169k | ▼ 12.4% |
| Tangible fixed assets22/27 | €156k | €192k | €168k | ▼ 12.5% |
| Land and buildings22 | €149k | €136k | €122k | ▼ 10.0% |
| Plant, machinery and equipment23 | €4k | €3k | €2k | ▼ 28.6% |
| Furniture and vehicles24 | €2k | €53k | €44k | ▼ 17.8% |
| Financial fixed assets28 | €1k | €1k | €1k | = |
| Current assets29/58 | €385k | €416k | €306k | ▼ 26.5% |
| Amounts receivable after more than one year29 | €56k | €56k | €56k | = |
| Other amounts receivable291 | €56k | €56k | €56k | = |
| Amounts receivable within one year40/41 | €298k | €136k | €227k | ▲ 67.2% |
| Trade receivables40 | €2k | €0 | €2k | - |
| Other amounts receivable41 | €296k | €136k | €226k | ▲ 66.1% |
| Current investments50/53 | - | €181k | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €31k | €44k | €23k | ▼ 47.4% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €541k | €610k | €475k | ▼ 22.0% |
| Equity10/15 | €385k | €455k | €376k | ▼ 17.3% |
| Reserves13 | €382k | €452k | €373k | ▼ 17.4% |
| Distributable reserves133 | €382k | €452k | €373k | ▼ 17.4% |
| Profit (loss) carried forward14 | €3k | €3k | €3k | = |
| Amounts payable17/49 | €156k | €154k | €99k | ▼ 36.0% |
| Amounts payable after more than one year17 | - | €25k | €16k | ▼ 35.3% |
| Financial debts170/4 | - | €25k | €16k | ▼ 35.3% |
| Amounts payable within one year42/48 | €156k | €130k | €80k | ▼ 38.2% |
| Current portion of amounts payable after more than one year42 | - | €8k | €9k | ▲ 3.3% |
| Trade debts44 | €1k | €2k | €978 | ▼ 58.6% |
| Suppliers440/4 | €1k | €2k | €978 | ▼ 58.6% |
| Taxes, remuneration and social security45 | €74k | €95k | €70k | ▼ 26.9% |
| Taxes450/3 | €74k | €95k | €70k | ▼ 26.9% |
| Remuneration and social security454/9 | €0 | €0 | €0 | - |
| Other amounts payable47/48 | €80k | €24k | €802 | ▼ 96.6% |
| Accrued charges and deferred income492/3 | - | - | €3k | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €170k | €106k | €100k | ▼ 5.5% |
| + Depreciation and write-downs630 | €10k | €25k | €28k | ▲ 12.3% |
| Operating cash flow (approximation) | €180k | €131k | €128k | ▼ 2.1% |
| Investment in fixed assets (approximation) | - | €-61k | €-4k | ▲ 94.2% |
| Change in cash | - | €13k | €-21k | ▼ 260% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €100k ▼5.5%
Net result drops to €100k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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.
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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, Chaudfontaine · 1 establishment unit since 2023
Ground area
1,363 m²
Building footprint
175 m²
Parcel 62022C0340/00B000, Wallonia. Linked by address, not a title deed.
1 establishment unit
AFC Conseil
since 20232.346.448.806
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62022C0340/00B000 | Wallonia | 1,363 m² | 1 · 175 m² | - |
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, comparable size
BRUNO CARTON
BE 0545.767.134
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Boekhoudkantoor Van Accom
BE 0828.800.464
Geel · Eq €375k
XALA
BE 0472.743.158
Visé · Eq €374k
KEER - CONSULT
BE 0449.855.514
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BUREAU D'ETUDES MORLIE
BE 0425.239.486
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Of 2,264 companies in sector 69209 we hold annual accounts for 1,098. 771 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded24-05-2023
Fiscal year end31-12
Activities, NACEBEL 2025
69209Other tax advisory services
Scores and ratios are computed by Checked and are not a credit decision.