AFORIS 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 €893k and a net result of €141k. Equity is shrinking by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 47% of 5507 sector peers (fiscal year 2025). The company has been active since 2010 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.
○neutral
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
35 d early
2023
31 d early
2022
28 d early
2021
45 d early
2020
54 d early
2019
46 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€893k▲ 18.7%
2024 · €752k
2018: €1.85M
2019: €1.71M
2020: €1.17M
2021: €942k
2022: €890k
2023: €1.00M
2024: €752k
2018 → 2025
Net result
€141k▼ 18.7%
2024 · €174k
2018: €-181k
2019: €-138k
2020: €-168k
2021: €-21k
2022: €175k
2023: €114k
2024: €174k
2018 → 2025
Total assets
€1.87M▲ 3.9%
2024 · €1.81M
2018: €2.34M
2019: €2.17M
2020: €1.96M
2021: €1.52M
2022: €1.49M
2023: €1.56M
2024: €1.81M
2018 → 2025
Solvency
47.6%▲ 6.0pp
2024 · 41.7%
2018: 79.2%
2019: 79.1%
2020: 59.6%
2021: 61.8%
2022: 59.8%
2023: 64.2%
2024: 41.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€942k-€890k▼ 5.5%€1.00M▲ 12.8%€752k▼ 25.0%€893k▲ 18.7%
Operating result€-53k-€182k€125k▼ 31.3%€200k▲ 60.7%€266k▲ 32.8%
Net result€-21k-€175k€114k▼ 35.1%€174k▲ 52.6%€141k▼ 18.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 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 €1.87M
Fixed assets
€1.62M▲ 5.2%
Current assets
€257k▼ 3.9%
Equity and liabilities €1.87M
Equity
€893k▲ 18.7%
Provisions
€1k▼ 7.7%
Debt
€980k▼ 6.7%
The debt ratio falls from 58.2% to 52.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
47.6%▲
2024 · 41.7%
ROE
15.8%▼
2024 · 23.1%
ROA
7.5%▼
2024 · 9.6%
Debt
€980k▼
2024 · €1.05M
Debt ≤ 1 year
€802k▼
2024 · €837k
Debt > 1 year
€175k▼
2024 · €208k
Income taxes
€71k▲
2024 · €11k
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€1.81M€1.87M▲
Fixed assets21/28€1.54M€1.62M▲
Tangible fixed assets22/27€1.48M€1.54M▲
Land and buildings22€1.40M€1.45M▲
Plant, machinery and equipment23€35k€56k▲
Furniture and vehicles24€44k€26k▼
Financial fixed assets28€60k€83k▲
Current assets29/58€267k€257k▼
Amounts receivable after more than one year29€71k€71k=
Other amounts receivable291€71k€71k=
Amounts receivable within one year40/41€161k€82k▼
Trade receivables40€137k€39k▼
Other amounts receivable41€24k€42k▲
Cash at bank and in hand54/58€31k€96k▲
Deferred charges and accrued income490/1€3k€8k▲
Equity and liabilities
Total equity and liabilities10/49€1.81M€1.87M▲
Equity10/15€752k€893k▲
Contributions10/11€6k€6k=
Reserves13€742k€883k▲
Distributable reserves133€742k€883k▲
Investment grants15€4k€4k▼
Provisions and deferred taxes16€1k€1k▼
Deferred taxes168€1k€1k▼
Amounts payable17/49€1.05M€980k▼
Amounts payable after more than one year17€208k€175k▼
Financial debts170/4€202k€164k▼
Other amounts payable178/9€6k€10k▲
Amounts payable within one year42/48€837k€802k▼
Current portion of amounts payable after more than one year42€49k€65k▲
Trade debts44€117k€14k▼
Suppliers440/4€117k€14k▼
Taxes, remuneration and social security45€43k€35k▼
Taxes450/3€43k€35k▼
Other amounts payable47/48€628k€688k▲
Accrued charges and deferred income492/3€6k€4k▼
Income statement
Code20242025
Non-recurring operating income76A€11k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€83k€85k▲
Other operating charges640/8€9k€10k▲
Gross operating margin9900€292k€361k▲
Operating profit (loss)9901€200k€266k▲
Financial income75/76B€859€7k▲
Recurring financial income75€859€7k▲
Financial charges65/66B€17k€61k▲
Recurring financial charges65€17k€61k▲
Profit (loss) for the period before taxes9903€185k€212k▲
Transfer from deferred taxes780€104€104=
Income taxes67/77€11k€71k▲
Profit (loss) for the period9904€174k€141k▼
Profit (loss) for the period to be appropriated9905€174k€141k▼
Appropriation of the result
Profit (loss) to be appropriated9906€67k€141k▲
Profit (loss) brought forward from the previous period14P€-107k-
Transfer from equity791/2€425k-
Transfer to equity691/2€67k€141k▲
To other reserves6921€67k€141k▲
Profit to be distributed694/7€425k-
Return on contributions (dividend)694€425k-
The notes to these accounts (12 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
10-11
State Gazette act
General meeting · Director appointment
Permanent representative
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
18-04
State Gazette act
General meeting · Director resignation
Director appointment · Director reappointment
2024
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
21-05
State Gazette act
General meeting · Director resignation
Director appointment · Director reappointment
2023
31-12
Financial
Equity above €1MEq €1.00M ▲12.8%
2 profitable years in a row build equity to €1.00M.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
10-05
State Gazette act
General meeting · Director reappointment
Permanent representative · Director appointment
2022
31-12
Financial
Back to profitnet €175k
Net result €175k after 4 loss-making years.
16-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
28-04
State Gazette act
General meeting · Director resignation
Director reappointment · Director appointment
14-01
State Gazette act
Board meeting · Accounting effect
Director resignation · Director appointment
14-01
State Gazette act
Board meeting · Director resignation
Director appointment · Permanent representative
2021
26-05
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
07-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
15-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
03-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
04-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
2013
23-12
State Gazette act
General meeting · Purpose change
Statutes amendment · Legal-form conversion · Vincent VRONINKS
2012
19-04
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Antwerpen · 1 establishment unit since 2010
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.
Catershoflaan 142170 AntwerpenGround area
2,932 m²
Building footprint
270 m²
Volume, LiDAR
2,831 m³
Parcel 11423B0334/00D000, Flanders · tallest building 18.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
AFORIS
since 20102.194.310.838
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11423B0334/00D000 | Flanders | 2,932 m² | 1 · 270 m² | 18.4 m · 4 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.
Structure & network
Ownership & control
2 partiesAFORISBE 0831.423.226
controls
Where this company holds controlthis company sits on their board2
1 subsidiary · 5 locations
2 locations
Recognitions · licences · registrations
Legal Entity Identifier
9676006AGTF4W1RIW707
Similar companies · same sector, comparable size
NICAMI
BE 0835.987.471
Wingene · Eq €893k
PETER KOSLOWSKI
BE 0636.747.194
Antwerpen · Eq €893k
H.V.D.M.
BE 0866.452.993
Turnhout · Eq €894k
DC REPORTING & DEVELOPMENT
BE 0690.633.070
Gavere · Eq €893k
FARMAFYT HEALTHCARE
BE 0679.925.161
Chaudfontaine · Eq €894k
Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 12,936 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-11-2010
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.