AGF-CFC
ActiveAGF-CFC 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 €3.50M and a net result of €312k. Equity is growing by ~20.7% per year across the filed fiscal years. Its solvency ranks better than 75% of 5491 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 7 filingsDeviation from the deadline
2025
28 d late
2024
31 d late
2023
92 d late
2022
32 d late
2021
18 d late
2020
2 d early
2019
67 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.50M▲ 9.8%
2024 · €3.19M
2019: €657k
2020: €1.61M
2021: €1.92M
2022: €2.35M
2023: €2.90M
2024: €3.19M
2019 → 2025
Net result
€312k▲ 9.4%
2024 · €286k
2019: €-10k
2020: €956k
2021: €308k
2022: €431k
2023: €548k
2024: €286k
2019 → 2025
Total assets
€4.41M▲ 0.2%
2024 · €4.40M
2019: €3.62M
2020: €3.85M
2021: €4.47M
2022: €4.61M
2023: €4.40M
2024: €4.40M
2019 → 2025
Solvency
79.3%▲ 7.0pp
2024 · 72.3%
2019: 18.1%
2020: 41.9%
2021: 43.0%
2022: 51.1%
2023: 65.8%
2024: 72.3%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.92M-€2.35M▲ 22.4%€2.90M▲ 23.3%€3.19M▲ 9.8%€3.50M▲ 9.8%
Operating result€437k-€459k▲ 5.0%€440k▼ 4.0%€436k▼ 1.0%€409k▼ 6.3%
Net result€308k-€431k▲ 40.0%€548k▲ 27.2%€286k▼ 47.9%€312k▲ 9.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 6% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.41M
Fixed assets
€4.22M▼ 0.4%
Current assets
€191k▲ 14.4%
Equity and liabilities €4.41M
Equity
€3.50M▲ 9.8%
Debt
€913k▼ 25.0%
The debt ratio falls from 27.7% to 20.7%: equity grows while debt is paid down.
Key figures and ratios
Solvency
79.3%▲
2024 · 72.3%
ROE
8.9%▼
2024 · 9.0%
ROA
7.1%▲
2024 · 6.5%
Debt
€913k▼
2024 · €1.22M
Debt ≤ 1 year
€393k▼
2024 · €442k
Debt > 1 year
€509k▼
2024 · €777k
Income taxes
€69k▼
2024 · €130k
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€4.40M€4.41M▲
Fixed assets21/28€4.24M€4.22M▼
Tangible fixed assets22/27€37k€21k▼
Furniture and vehicles24€5k€21k▲
Leasing and similar rights25€32k€0▼
Financial fixed assets28€4.20M€4.20M=
Current assets29/58€167k€191k▲
Amounts receivable within one year40/41€137k€165k▲
Trade receivables40€65k€99k▲
Other amounts receivable41€72k€65k▼
Cash at bank and in hand54/58€27k€26k▼
Deferred charges and accrued income490/1€3k€325▼
Equity and liabilities
Total equity and liabilities10/49€4.40M€4.41M▲
Equity10/15€3.19M€3.50M▲
Contributions10/11€668k€668k=
Reserves13€2.52M€2.83M▲
Distributable reserves133€2.52M€2.83M▲
Amounts payable17/49€1.22M€913k▼
Amounts payable after more than one year17€777k€509k▼
Financial debts170/4€610k€324k▼
Other amounts payable178/9€167k€185k▲
Amounts payable within one year42/48€442k€393k▼
Current portion of amounts payable after more than one year42€305k€285k▼
Trade debts44€24k€9k▼
Suppliers440/4€24k€9k▼
Taxes, remuneration and social security45€113k€98k▼
Taxes450/3€60k€22k▼
Remuneration and social security454/9€53k€76k▲
Accrued charges and deferred income492/3-€12k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€17k▲
Other operating charges640/8€4k€3k▼
Gross operating margin9900€457k€429k▼
Operating profit (loss)9901€436k€409k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€20k€27k▲
Recurring financial charges65€20k€27k▲
Profit (loss) for the period before taxes9903€415k€382k▼
Income taxes67/77€130k€69k▼
Profit (loss) for the period9904€286k€312k▲
Profit (loss) for the period to be appropriated9905€286k€312k▲
Appropriation of the result
Profit (loss) to be appropriated9906€286k€312k▲
Transfer to equity691/2€286k€312k▲
To other reserves6921€286k€312k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (18 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 92 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 32 days late
2022
31-12
Financial
Equity above €2MEq €2.35M ▲22.4%
3 profitable years in a row build equity to €2.35M.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 18 days late
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €956k
Net result €956k after one loss-making year.
31-12
Financial
Equity above €1MEq €1.61M ▲145%
Equity rises from €657k to €1.61M.
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 67 days late
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, Veurne · 1 establishment unit since 2019
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.
Jozef Vinckstraat 378630 VeurneGround area
720 m²
Building footprint
168 m²
Volume, LiDAR
696 m³
Parcel 38025B0283/00M000, Flanders · tallest building 6.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
AGF-CFC
since 20192.293.126.718
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38025B0283/00M000 | Flanders | 720 m² | 1 · 168 m² | 6.3 m · 1 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 24,640 companies in sector 64210 we hold annual accounts for 19,693. 9,208 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-08-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.