Skip to content

AFFORD

Active
Private limited company (pre-2019)founded 198937 yrs activeRue de l'Industrie 17b, 1400 Nivelles, BelgiumKBO/BCE: BE 0438.222.442
Summary

AFFORD has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €475,913 and a net result of €65,098. Equity is growing by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 70% of 16076 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
AFFORDActiveChecked score 96/100
Risk analysis ReportCompare

Overview

Activity
Real estate agency activities
NACE 68310Renting and operating of own or leased residential real estate, excluding social housing NACE 68201NACE 68311
1 site
Size
€845,713total assets 2025
Staff
1.7 FTE
Equity
€475,913
Profit
€65,098
Financial health
96 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts 21 d early0 of 4 deeds read
Why 96- Liquidity: current ratio 0.62, cash €25,936+ Size: total assets €845,713+ Figures for FY 2025 (filed 09-04-2026)+ Founded in 1989Show the evidence

Checked score

Score 2025
96 / 100
Excellent
Probability in this band: under 0.55%
Better than 68% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 81+14
equity 56.3% of total assets
Liquidity 52-37
short-term debt 13.6% · cash 3.1%
Profitability 78+9
return on assets 7.7%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (26,362 companies)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%● 0.0% vs 11-2024 01-2025: 0.3%▲ +6.3% vs 12-2024 02-2025: 0.3%▲ +0.4% vs 01-2025 03-2025: 0.3%▲ +12.8% vs 02-2025 04-2025: 0.5%▲ +51.6% vs 03-2025 05-2025: 0.8%▲ +70.4% vs 04-2025highest value 06-2025: 0.3%▼ -68.6% vs 05-2025 07-2025: 0.3%● 0.0% vs 06-2025 08-2025: 0.3%● 0.0% vs 07-2025 09-2025: 0.3%● 0.0% vs 08-2025 10-2025: 0.3%● 0.0% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%▲ +6.4% vs 12-2025 02-2026: 0.3%▲ +0.4% vs 01-2026 03-2026: 0.3%▲ +11.2% vs 02-2026 04-2026: 0.5%▲ +53.9% vs 03-2026 05-2026: < 0.1%▼ -89.7% vs 04-2026lowest value 06-2026: < 0.1%● 0.0% vs 05-2026lowest value 07-2026: < 0.1%● 0.0% vs 06-2026lowest value 08-2026: < 0.1%● 0.0% vs 07-2026lowest value 09-2026: < 0.1%● 0.0% vs 08-2026lowest value 10-2026: < 0.1%● 0.0% vs 09-2026lowest value
  • Size: total assets €845,713 lowers the probability for this profile
  • Figures for FY 2025 (filed 09-04-2026) lowers the probability
  • Founded in 1989 lowers the probability for this profile
  • Liquidity: current ratio 0.62, cash €25,936 raises the probability
Credit up to €45,000 at 30 days acceptable
Liquidity short (current ratio 0.62 against 0.69 in 2024; short-term debt: 13.6% and cash: 3.1% of total assets), and 43.7% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, micro). Better than this share of them on solvency 69%, liquidity 58%, profitability 75%, growth against the median 72%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €845,713
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 09-04-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 1989
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Liquidity: current ratio 0.62, cash €25,936
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 09-04-2026, 21 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
21 d early
2024
19 d late
2023
30 d late
2022
on the day
2021
12 d early
2020
4 d early
2019
20 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 1 day before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 30 April (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close03-10-2026 today30-04-2027 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Highest result since 2019net €65,098 ▲1,060%
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Result rose in 2025from €5,610 to €65,098 ▲ 1,060% View
  • Positive: Among the best 15% on net resultsector median €5,827 · 16,071 companies €65,098 View
  • Positive: 7 profitable years in a rowprofit 2025: €65,098 7 years View

By topic

Financials

Fiscal year
2025
Total assets
€845,713
Profit
€65,098
Solvency
56.3%
Total assets▼ 12.6%
Net result
20192025
Go to Financials

Timeline

Events
12
Since
2017
Next accounts
by 30-04-2027
  1. 09-04-2026Annual accounts filed
  2. 30-09-2025Highest result since 2019
  3. 19-05-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Real estate agency activitiesNACE 68310
Founded
23-08-1989
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

Your own company? See how customers, suppliers and banks see it and what to improve first.

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

We would like to set cookies. That happens only with your consent. What we measure