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AFFORD INTERNATIONAL

Active
Private limited companyfounded 1990active for 36 yearsRue de l'Industrie 17b, 1400 Nivelles, BelgiumKBO/BCE: BE 0440.388.017
Summary

AFFORD INTERNATIONAL has been active since 1990 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36,877 and a net result of €5,310. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 26% of 13,741 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Official details

Source: KBO
Status
Active since 19-03-1990 Normal situation
Activity
Wholesale of other food products NACE 46389and 2 others
Joint committee
119 Paritair Comité voor de handel in voedingswaren · annual accounts 30-09-2025
Establishment unit
2.049.537.645 1400 Nivelles, since 02-03-2001
Financial year end
30 September
Peppol
Reachable since 18-12-2025

Board and ownership

Board
  • VERLEYE PaulDirector · since 16-09-2020

Financial position

89 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Annual accounts to 30-09-2025
Gross margin
€80,947
▼ 6.5%
Turnover
≈ €630,000
estimated
Profit
€5,310
▼ 66.1%
Equity
€36,877
▲ 16.8%
Total assets
€397,887
▲ 18.3%
Employees on 30-09-2025
2
▲ 100%
Score breakdownraises riskEquity €36,877 (9.3% of total assets)lowers riskFounded in 1990Size: total assets €397,887Figures for financial year 2025 (filed on 30-03-2026)Show the evidence

Checked score

Score 2025
89 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 48% of micro companies in wholesale trade (NACE 46)
Financial strength · tick: 2024
Average
Solvency 34=
equity 9.3% of total assets
Liquidity 42-12
short-term debt 42.3% · cash 10.1%
Profitability 70-5
return on assets 1.3%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,900 companies, NACE 46, micro)
Last 24 months 12-2024: 0.2% 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.4%▲ +0.2 percentage points vs 03-2025highest value 05-2025: 0.2%▼ -0.2 percentage points vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.2%● unchanged vs 06-2025 08-2025: 0.2%● unchanged vs 07-2025 09-2025: 0.2%● unchanged vs 08-2025 10-2025: 0.2%● unchanged vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.2%● unchanged vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026 10-2026: 0.2%● unchanged vs 09-2026lowest value 11-2026: 0.2%● unchanged vs 10-2026lowest value
Credit of up to €3,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.36 (7.17 in 2024), above the usual 1.5. Short-term debt is 42.3% and cash 10.1% of total assets. However, 90.7% 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 23% of them on solvency, 40% on liquidity, 54% on profitability and 73% on growth.

The bankruptcy probability was computed on 03-11-2026 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.

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

Six signals.
lowers riskraises riskneutral
lowers risk · Founded in 1990
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Size: total assets €397,887
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 30-03-2026)
NBB · annual accounts
raises risk · Equity €36,877 (9.3% of total assets)
NBB · annual accounts
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
19202122232425
2019 to 2025 · latest year €36,877
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 30-03-2026, 31 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
31 days early
2024
13 days early
2023
29 days late
2022
31 days early
2021
3 days early
2020
23 days early
2019
24 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 14 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 17 April (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-09-2026 year end03-11-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Recent changes

  1. · Gazette deed Incorporation
All 13 events

Comparable companies

These companies have the same main activity as AFFORD INTERNATIONAL: wholesale of other food products (NACE 46389). They are comparable in size and age: total assets between €279,000 and €576,000, founded between 1984 and 1990.

CompanyTotal assetsGross margin
AFFORD INTERNATIONAL Nivelles€397,887€80,947
Ebro Ingredients SC Schoten€383,248€70,962
VETO-MEDICO-SERVICE Lierneux€346,875€84,616
ROYAL CROISSANT Sint-Gillis (bij-Brussel)€520,867€96,714
COMUL PROFESSIONAL Schilde€560,321€97,802
VISHANDEL GERMAIN Beernem€278,785€82,001
FELI DISTRIBUTION Maasmechelen€576,052€100,061
Full comparison

Key facts about AFFORD INTERNATIONAL

What is the company number of AFFORD INTERNATIONAL?
The company number of AFFORD INTERNATIONAL is 0440.388.017. The VAT number is the same number with BE in front: BE 0440.388.017.
Where is AFFORD INTERNATIONAL based?
The registered office is at Rue de l'Industrie 17b, 1400 Nivelles.Company details
What does AFFORD INTERNATIONAL do?
According to the KBO register, the main activity is wholesale of other food products (NACE 46389).
What is the legal form of AFFORD INTERNATIONAL?
The legal form of AFFORD INTERNATIONAL is Private limited company (BV).
When was AFFORD INTERNATIONAL founded?
AFFORD INTERNATIONAL was founded on 19-03-1990.
Is AFFORD INTERNATIONAL still active?
Yes, AFFORD INTERNATIONAL is an active enterprise in the KBO register.
How many employees does AFFORD INTERNATIONAL have?
AFFORD INTERNATIONAL had an average of 1.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does AFFORD INTERNATIONAL fall under?
In its 30-09-2025 annual accounts, AFFORD INTERNATIONAL states joint committee 119 (Paritair Comité voor de handel in voedingswaren).
What is the turnover of AFFORD INTERNATIONAL?
The turnover in financial year 2025 is ≈ €630,000. This figure is estimated from the gross margin of €80,947 and 30 comparable companies (NACE 463). It probably lies between €440,000 and €1.1m.
Is AFFORD INTERNATIONAL profitable?
In financial year 2025, AFFORD INTERNATIONAL made a profit of €5,310.
Where can I find the annual accounts of AFFORD INTERNATIONAL?
AFFORD INTERNATIONAL filed 35 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of AFFORD INTERNATIONAL due?
AFFORD INTERNATIONAL must file the annual accounts for financial year 2026 by 30-04-2027.Timeline

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