AFLIESUR is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €22k and a net result of €162k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 16% of 2429 sector peers (fiscal year 2025). The company has been active since 2002 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
Four 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 16% of 2429 sector peers (2025).
NBB · sector comparisonPosition among 2429 sector peers
Solvency
better than 16%
← weakest
strongest →
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
3 d early
2023
7 d early
2022
31 d early
2021
16 d late
2020
30 d late
2019
21 d late
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k▲ 1.1%
2024 · €22k
2018: €21k
2019: €23k
2020: €22k
2021: €22k
2022: €22k
2023: €22k
2024: €22k
2018 → 2025
Net result
€162k▲ 35.3%
2024 · €120k
2018: €191k
2019: €221k
2020: €154k
2021: €160k
2022: €122k
2023: €137k
2024: €120k
2018 → 2025
Total assets
€261k▲ 13.3%
2024 · €230k
2018: €251k
2019: €291k
2020: €289k
2021: €282k
2022: €235k
2023: €258k
2024: €230k
2018 → 2025
Solvency
8.4%▼ 1.0pp
2024 · 9.5%
2018: 8.4%
2019: 7.7%
2020: 7.5%
2021: 7.7%
2022: 9.3%
2023: 8.4%
2024: 9.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€22k=€22k=€22k▼ 0.2%€22k▲ 1.1%
Operating result€214k-€190k▼ 11.0%€194k▲ 1.8%€170k▼ 12.3%€226k▲ 32.9%
Net result€160k-€122k▼ 23.6%€137k▲ 11.6%€120k▼ 12.2%€162k▲ 35.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 33% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €261k
Fixed assets
€59k▼ 23.0%
Current assets
€202k▲ 31.5%
Equity and liabilities €261k
Equity
€22k▲ 1.1%
Debt
€239k▲ 14.6%
The debt ratio rises from 90.5% to 91.6%. Equity and debt are higher.
Key figures and ratios
Solvency
8.4%▼
2024 · 9.5%
ROE
737.9%▲
2024 · 551.5%
ROA
62.2%▲
2024 · 52.1%
Debt
€239k▲
2024 · €208k
Debt ≤ 1 year
€239k▲
2024 · €207k
Income taxes
€61k▲
2024 · €48k
Staff costs
€259k▲
2024 · €259k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€230k€261k▲
Fixed assets21/28€77k€59k▼
Tangible fixed assets22/27€72k€54k▼
Plant, machinery and equipment23€8k€8k▲
Furniture and vehicles24€33k€21k▼
Other tangible fixed assets26€31k€25k▼
Financial fixed assets28€5k€5k=
Current assets29/58€154k€202k▲
Amounts receivable within one year40/41€71k€69k▼
Trade receivables40€54k€57k▲
Other amounts receivable41€17k€12k▼
Cash at bank and in hand54/58€83k€133k▲
Equity and liabilities
Total equity and liabilities10/49€230k€261k▲
Equity10/15€22k€22k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€1k€2k▲
Amounts payable17/49€208k€239k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€207k€239k▲
Current portion of amounts payable after more than one year42€10k€0▼
Financial debts43€20k€20k▼
Other loans439€20k€20k▼
Trade debts44€21k€18k▼
Suppliers440/4€21k€18k▼
Taxes, remuneration and social security45€30k€31k▲
Taxes450/3-€2k
Remuneration and social security454/9€30k€30k▲
Other amounts payable47/48€126k€169k▲
Accrued charges and deferred income492/3€1k€0▼
Income statement
Code20242025
Non-recurring operating income76A€0€4k▲
Remuneration, social security and pensions62€259k€259k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€14k▼
Other operating charges640/8€3k€682▼
Gross operating margin9900€448k€499k▲
Operating profit (loss)9901€170k€226k▲
Financial income75/76B€0€23▲
Recurring financial income75€0€23▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€167k€223k▲
Income taxes67/77€48k€61k▲
Profit (loss) for the period9904€120k€162k▲
Profit (loss) for the period to be appropriated9905€120k€162k▲
Appropriation of the result
Profit (loss) to be appropriated9906€121k€164k▲
Profit (loss) brought forward from the previous period14P€1k€1k▼
Profit to be distributed694/7€120k€162k▲
Return on contributions (dividend)694€120k€162k▲
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €120k ▼12.2%
Net result drops to €120k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
31-12
Financial
Highest result since 2018net €221k ▲16.2%
Operating result €286k, net result €221k, both a record.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
13-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Affligem · 1 establishment unit since 2003
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.
Bellestraat 981790 AffligemGround area
1,226 m²
Building footprint
251 m²
Volume, LiDAR
2,213 m³
Parcel 23021B0758/00P000, Flanders · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
AFLIESUR
since 20032.127.136.655
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23021B0758/00P000 | Flanders | 1,226 m² | 1 · 251 m² | 12.9 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. 1,609 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2002
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:+3253660990