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AFFECT2U

Active
Private limited companyfounded 20206 yrs activeHoge Weg 157, 2940 Stabroek, BelgiumKBO/BCE: BE 0753.458.584
Summary

AFFECT2U has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €277,849 and a net result of -€107,837. Equity is shrinking by ~37.4% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 50% of 465 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability0=
Solvency73▲+73
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15,000 at 30 days acceptable
Liquidity tight (current ratio 1.08 against 0.37 in 2024; short-term debt: 51.8% and cash: 13.5% of total assets), and 51.8% of the assets are financed with debt.
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Signals

Three 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 87
Relative position
BE, all sectors
reference
Residential care activities (NACE 87)
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 6 years 0 10 y
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 31-07-2026, 0 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
on the day
2024
31 d early
2023
29 d late
2022
8 d late
2021
30 d late
2020
12 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 8 days after the deadline; the sector median for financial year 2024 is 27 days before the deadline, and 24% of the sector filed late.

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 months
Position in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
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

AFFECT2U was incorporated on 28 August 2020 as a Private limited company.1 Total assets fell from EUR 647,779 in 2020 to EUR 575,868 in 2025 and headcount from 6.8 to 11.7 full-time equivalents.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2020 and 2025

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Financials · fiscal year 2025, abbreviated schema

Equity
€277,849
2024 · -€914,314
Total assets
€575,868▼ 0.4%
2024 · €578,224
Net result
-€107,837▲ 52.3%
2024 · -€226,181
Working capital
€23,985
2024 · -€359,585
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
Line20212022202320242025
Operating result-€370,363▼ 977%-€419,902▼ 13.4%€110,767-€226,992-€105,070▲ 53.7%
Net result-€377,740▼ 959%-€444,922▼ 17.8%€70,186-€226,181-€107,837▲ 52.3%
Equity-€313,396-€758,319▼ 142%-€688,133▲ 9.3%-€914,314▼ 32.9%€277,849
Total assets€582,358▼ 10.1%€618,331▲ 6.2%€648,947▲ 5.0%€578,224▼ 10.9%€575,868▼ 0.4%
Debt€895,754▲ 53.5%€1.4m▲ 53.7%€1.3m▼ 2.9%€1.5m▲ 11.6%€298,019▼ 80.0%
Working capital-€291,849▼ 524%-€571,673▼ 95.9%-€214,221▲ 62.5%-€359,585▼ 67.9%€23,985
Staff (FTE)12▲ 76.5%16.6▲ 38.3%14.9▼ 10.2%14.2▼ 4.7%11.7▼ 17.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
  • 2021 Net result -959%, Staff (FTE) +76% on 2020. The accounts now follow the abbreviated schema, last year the micro schema.
Result per fiscal year
Operating resultNet result
-€600,000-€400,000-€200,000€0€200,000Operating result 2021: -€370,363-€370,363Net result 2021: -€377,740-€377,740Operating result 2022: -€419,902-€419,902Net result 2022: -€444,922-€444,922Operating result 2023: €110,767€110,767Net result 2023: €70,186€70,186Operating result 2024: -€226,992-€226,992Net result 2024: -€226,181-€226,181Operating result 2025: -€105,070-€105,070Net result 2025: -€107,837-€107,83720212022202320242025-€300,000-€200,000-€100,000€0€100,000Operating result 2023: €110,767€111,000Net result 2023: €70,186€70,200Operating result 2024: -€226,992-€227,000Net result 2024: -€226,181-€226,000Operating result 2025: -€105,070-€105,000Net result 2025: -€107,837-€108,000202320242025
The operating result stays negative: a loss of €105,070 in 2025 against €226,992 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €575,868
Fixed assets €253,864 ▼ 28.8%
Current assets €322,003 ▲ 50.8%
Equity and liabilities €575,868
Equity €277,849
Debt €298,019
Debt finances 51.8% of the balance-sheet total.
Key figures and ratios
2025 value · change against 2024
EBITDA
-€11,487▲
2024 · -€119,468
Cash flow
-€14,254▲
2024 · -€118,657
Current ratio
1.08▲
2024 · 0.37
Debt to equity
1.07▲
2024 · -1.63
ROE
-38.8%
ROA
-18.7%▲
2024 · -39.1%
Interest coverage
-2.64▲
2024 · -32.34
Debt ≤ 1 year
€298,019▼
2024 · €573,180
Debt > 1 year
€0▼
2024 · €919,359
Staff costs
€885,958▼
2024 · €1.0m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 224 companies that looked in July 2024 the way this one looks now, 4.0% went bankrupt within 24 months and 88% are still going.

  • Small
  • 5 to 10 years old
  • solvency 30% or more
  • a loss of 10% of the balance sheet or more
4.0% went bankrupt
7.1% stopped otherwise
88% still going

A further 0.9% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

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 224 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 against 2024 · 47 lines
Balance sheet Code20242025
Assets
Total assets20/58€578,224€575,868▼
Formation expenses20€7,832€0▼
Fixed assets21/28€356,798€253,864▼
Intangible fixed assets21€260,933€210,235▼
Tangible fixed assets22/27€91,365€39,130▼
Plant, machinery and equipment23€81,051€34,056▼
Furniture and vehicles24€10,315€5,074▼
Financial fixed assets28€4,500€4,500=
Current assets29/58€213,594€322,003▲
Amounts receivable within one year40/41€164,208€232,947▲
Trade receivables40€164,208€232,901▲
Other amounts receivable41-€45
Cash at bank and in hand54/58€34,422€77,672▲
Deferred charges and accrued income490/1€14,964€11,384▼
Equity and liabilities
Total equity and liabilities10/49€578,224€575,868▼
Equity10/15-€914,314€277,849▲
Contributions10/11€100,000€1.4m▲
Profit (loss) carried forward14-€1.0m-€1.1m▼
Amounts payable17/49€1.5m€298,019▼
Amounts payable after more than one year17€919,359€0▼
Financial debts170/4€100,000€0▼
Other amounts payable178/9€819,359€0▼
Amounts payable within one year42/48€573,180€298,019▼
Current portion of amounts payable after more than one year42€51,691€0▼
Trade debts44€367,022€116,174▼
Suppliers440/4€367,022€116,174▼
Advances received on contracts in progress46€2,592€0▼
Taxes, remuneration and social security45€151,224€119,133▼
Taxes450/3€34,955€22,246▼
Remuneration and social security454/9€116,269€96,888▼
Other amounts payable47/48€650€62,712▲
Accrued charges and deferred income492/3€0-
Income statement Code20242025
Remuneration, social security and pensions62€1.0m€885,958▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€107,525€93,583▼
Other operating charges640/8€4,516€1,244▼
Gross operating margin9900€908,758€875,715▼
Operating profit (loss)9901-€226,992-€105,070▲
Financial income75/76B€4,505€1,580▼
Recurring financial income75€4,505€1,580▼
Financial charges65/66B€3,694€4,346▲
Recurring financial charges65€3,694€4,346▲
Profit (loss) for the period before taxes9903-€226,181-€107,837▲
Profit (loss) for the period9904-€226,181-€107,837▲
Profit (loss) for the period to be appropriated9905-€226,181-€107,837▲
Appropriation of the result
Profit (loss) to be appropriated9906-€1.0m-€1.1m▼
Profit (loss) brought forward from the previous period14P-€788,133-€1.0m▼
Social balance
Average headcount (FTE)908714.211.7▼

The notes to these accounts (21 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Remuneration, social security and pensions62€680,681€1.1m€999,504€1.0m€885,958▼ 13.5%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€65,928€86,364€99,638€107,525€93,583▼ 13.0%
Other operating charges640/8€6,758€4,763€1,300€4,516€1,244▼ 72.5%
Gross operating margin9900€383,005€800,438€1.2m€908,758€875,715▼ 3.6%
Operating profit (loss)9901-€370,363-€419,902€110,767-€226,992-€105,070▲ 53.7%
Financial income75/76B€36€533€102€4,505€1,580▼ 64.9%
Recurring financial income75€36€533€102€4,505€1,580▼ 64.9%
Financial charges65/66B€7,413€25,554€40,683€3,694€4,346▲ 17.7%
Recurring financial charges65€7,413€25,554€40,683€3,694€4,346▲ 17.7%
Profit (loss) for the period before taxes9903-€377,740-€444,922€70,186-€226,181-€107,837▲ 52.3%
Profit (loss) for the period9904-€377,740-€444,922€70,186-€226,181-€107,837▲ 52.3%
Profit (loss) for the period to be appropriated9905-€377,740-€444,922€70,186-€226,181-€107,837▲ 52.3%
Line20212022202320242025Change
Assets
Total assets20/58€582,358€618,331€648,947€578,224€575,868▼ 0.4%
Formation expenses20€43,663€31,720€19,776€7,832€0▼ 100%
Fixed assets21/28€426,157€476,868€437,431€356,798€253,864▼ 28.8%
Intangible fixed assets21€389,926€341,666€313,545€260,933€210,235▼ 19.4%
Tangible fixed assets22/27€31,731€130,702€119,386€91,365€39,130▼ 57.2%
Plant, machinery and equipment23€25,437€118,445€110,919€81,051€34,056▼ 58.0%
Furniture and vehicles24€6,294€12,257€8,467€10,315€5,074▼ 50.8%
Financial fixed assets28€4,500€4,500€4,500€4,500€4,500=
Current assets29/58€112,538€109,743€191,740€213,594€322,003▲ 50.8%
Amounts receivable within one year40/41€66,481€70,028€145,879€164,208€232,947▲ 41.9%
Trade receivables40€66,481€64,374€145,879€164,208€232,901▲ 41.8%
Other amounts receivable41-€5,654€0-€45-
Cash at bank and in hand54/58€46,057€33,704€39,353€34,422€77,672▲ 126%
Deferred charges and accrued income490/1€0€6,012€6,509€14,964€11,384▼ 23.9%
Equity and liabilities
Total equity and liabilities10/49€582,358€618,331€648,947€578,224€575,868▼ 0.4%
Equity10/15-€313,396-€758,319-€688,133-€914,314€277,849▲ 130%
Contributions10/11€100,000€100,000€100,000€100,000€1.4m▲ 1,300%
Profit (loss) carried forward14-€413,396-€858,319-€788,133-€1.0m-€1.1m▼ 10.6%
Amounts payable17/49€895,754€1.4m€1.3m€1.5m€298,019▼ 80.0%
Amounts payable after more than one year17€489,957€690,221€896,594€919,359€0▼ 100%
Financial debts170/4€346,957€212,812€151,691€100,000€0▼ 100%
Other amounts payable178/9€143,000€477,410€744,904€819,359€0▼ 100%
Amounts payable within one year42/48€404,387€681,417€405,962€573,180€298,019▼ 48.0%
Current portion of amounts payable after more than one year42€59,186€60,146€61,121€51,691€0▼ 100%
Trade debts44€153,309€351,599€200,889€367,022€116,174▼ 68.3%
Suppliers440/4€153,309€351,599€200,889€367,022€116,174▼ 68.3%
Advances received on contracts in progress46€0--€2,592€0▼ 100%
Taxes, remuneration and social security45€191,893€269,023€143,302€151,224€119,133▼ 21.2%
Taxes450/3€21,919€45,027€30,666€34,955€22,246▼ 36.4%
Remuneration and social security454/9€169,974€223,996€112,636€116,269€96,888▼ 16.7%
Other amounts payable47/48-€650€650€650€62,712▲ 9,548%
Accrued charges and deferred income492/3€1,410€5,011€34,524€0--
Line20212022202320242025Change
Profit (loss) for the period9904-€377,740-€444,922€70,186-€226,181-€107,837▲ 52.3%
+ Depreciation and write-downs630€65,928€86,364€99,638€107,525€93,583▼ 13.0%
Operating cash flow (approximation)-€311,811-€358,559€169,824-€118,657-€14,254▲ 88.0%
Investment in fixed assets (approximation)--€137,075-€60,201-€26,892€9,351▲ 135%
Change in cash--€12,354€5,649-€4,931€43,251▲ 977%

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

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
31-07
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial Liquidity triplescurrent ratio 1.08
Current ratio from 0.37 to 1.08; short-term debt falls from €573,180 to €298,019.
31-12
Financial Equity above €200,000Eq €277,849
Equity rises from -€914,314 to €277,849.
30-06
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-08
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial Back to profitnet €70,186
Net result €70,186 after 3 loss-making years.
08-08
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema · 8 days late
2022
31-12
Financial Weakest financial yearnet -€444,922
Net result drops to -€444,922, the lowest in the series; recovery starts the following year.
30-08
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
12-08
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts

We know of 5 Belgian State Gazette acts for this company. None of them has 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
5 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, Stabroek · 1 establishment unit since 2021
seat establishment The establishment unit on the map
Ground area
5,171 m²
Building footprint
419 m²
Volume, LiDAR
3,497 m³
2 parcels, Flanders · tallest building 12.7 m, ±3 floors. Linked by address, not a title deed.
13 companies at this address See who is registered here
1 establishment unit
AFFECT2U
De Breem 11, 2350 VosselaarResidential care activities
since 20212.323.533.941
2 parcels
Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11020I0208/00Z002 Flanders 4,236 m² 1 · 234 m² 10.4 m · 3 fl.
13046B0382/00E000 Flanders 935 m² 1 · 185 m² 12.7 m · 3 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Structure & network

Part of the group POLDERS INVESTERINGSFONDS 13 companies Group, risk and exposure

Owners and holdings

1 owner

Chain of control

  1. POLDERS INVESTERINGSFONDS 100%
  2. AFFECT2U

Highest known parent: POLDERS INVESTERINGSFONDS. The sources do not say who stands above it.

Owners 1

Holdings 0

No holding stated in the accounts, acts or LEI register we read.

According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Public money · subsidies and aid

Flemish government

2024 · 1 entry · 341 EUR awarded · 341 EUR paid
Year Entries awardedpaid
2024 1 341 EUR341 EUR
Schemes
1 entry · 341 EUR · 341 EUR paid · Departement Werk en Sociale Economie

Similar companies · same sector, comparable size

Of 11 companies in sector 87204 we hold annual accounts for 11. 7 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
Founded28-08-2020
Fiscal year end31-12
Activities, NACEBEL 2025
87204Residential care activities
86931Psychology services
86995Nutrition and dietetics services
88991Social work activities without accommodation
96999Other personal services
Contact
E-mail info@affect2u.be
E-invoicing
Reachable via Peppol
Peppol ID 0208:0753458584
Also 9925:BE0753458584
Registered 10-04-2025

Register as of 27 September 2026 · Peppol Directory

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