AFIMACO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €10k and a net result of €-3k. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 15% of 3323 sector peers (fiscal year 2024). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 3323 sector peers (2024).
NBB · sector comparisonPosition among 3323 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-08-2025, 21 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
21 d late
2023
31 d late
2022
29 d late
2021
26 d late
2020
10 d late
2019
69 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€10k▼ 20.9%
2023 · €13k
2018: €9k
2019: €8k
2020: €13k
2021: €14k
2022: €14k
2023: €13k
2018 → 2024
Net result
€-3k▼ 215%
2023 · €-847
2018: €-388
2019: €-1k
2020: €5k
2021: €2k
2022: €-824
2023: €-847
2018 → 2024
Total assets
€107k▲ 0.1%
2023 · €107k
2018: €72k
2019: €74k
2020: €91k
2021: €104k
2022: €98k
2023: €107k
2018 → 2024
Solvency
9.5%▼ 2.5pp
2023 · 12.0%
2018: 12.9%
2019: 10.6%
2020: 13.8%
2021: 13.9%
2022: 13.9%
2023: 12.0%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€13k-€14k▲ 15.2%€14k▼ 5.7%€13k▼ 6.2%€10k▼ 20.9%
Operating result€6k-€2k▼ 66.2%€903▼ 56.8%€-1k€-3k▼ 98.9%
Net result€5k-€2k▼ 59.3%€-824€-847▼ 2.8%€-3k▼ 215%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2024 against €1k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €107k
Equity
€10k▼ 20.9%
Debt
€97k▲ 2.9%
The debt ratio rises from 88.0% to 90.5%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
9.5%▼
2023 · 12.0%
ROE
-26.4%▼
2023 · -6.6%
ROA
-2.5%▼
2023 · -0.8%
Debt
€97k▲
2023 · €94k
Debt ≤ 1 year
€97k▲
2023 · €94k
Income taxes
€3k▲
2023 · €826
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€107k€107k▲
Current assets29/58€107k€107k▲
Amounts receivable within one year40/41€3k€1k▼
Other amounts receivable41€3k€1k▼
Current investments50/53€100k-
Cash at bank and in hand54/58€4k€105k▲
Deferred charges and accrued income490/1€391€390▼
Equity and liabilities
Total equity and liabilities10/49€107k€107k▲
Equity10/15€13k€10k▼
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€5k€2k▼
Amounts payable17/49€94k€97k▲
Amounts payable within one year42/48€94k€97k▲
Financial debts43€158-
Credit institutions430/8€158-
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Other amounts payable47/48€92k€95k▲
Income statement
Code20232024
Other operating charges640/8€384€387▲
Gross operating margin9900€-943€-2k▼
Operating profit (loss)9901€-1k€-3k▼
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€39€44▲
Recurring financial charges65€39€44▲
Profit (loss) for the period before taxes9903€-21€198▲
Income taxes67/77€826€3k▲
Profit (loss) for the period9904€-847€-3k▼
Profit (loss) for the period to be appropriated9905€-847€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€2k▼
Profit (loss) brought forward from the previous period14P€6k€5k▼
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2020
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
27-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Overijse · 1 establishment unit since 2006
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Fr. Verbeekstraat 333090 OverijseGround area
804 m²
Building footprint
119 m²
Volume, LiDAR
904 m³
Parcel 23546L0037/00P000, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Amicom
since 20062.152.348.341
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23546L0037/00P000 | Flanders | 804 m² | 1 · 119 m² | 10.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 1,016 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-02-2006
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
01410Raising of dairy cattle
62900Other information technology and computer services
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.