AHNIFI & CO

Active

Private limited companyfounded 20206 yrs activeRuisbroeksesteenweg 164, 1600 Sint-Pieters-Leeuw, BelgiumKBO/BCE: BE 0745.576.543

The computed 12-month bankruptcy probability of AHNIFI & CO is 3.3% (moderate). The 2024 annual accounts show equity of €19k and a net result of €1k. Equity is growing by ~22.4% per year across the filed fiscal years. Its solvency ranks better than 32% of 6714 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

41 / 100

Weak▼ -40 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability29▼-40

Solvency17▼-65

Growth68=

Stability100

Bankruptcy probability, 12 months

3.3% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days only on tighter terms

Liquidity short (current ratio 0.65 against 1.46 in 2023), and 79.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 49

Relative position

BE, all sectors

reference

Sector 49

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

20.1%

Return on assets

1.2%

Age of the figures

20 mo

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-10-2025, 75 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 · 5 filings

Deviation from the deadline

2025

not confirmed

2024

75 d late

2023

104 d late

2022

137 d late

2021

502 d late

2020

86 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Turnover

€92k▲ 143%

2021 · €38k

2021: €38k

2021 → 2022

EBIT margin

7.5%▼ 8.7pp

2021 · 16.2%

2021: 16.2%

2021 → 2022

Net result

€1k▼ 55.0%

2023 · €2k

2020: €3k 2021: €5k 2022: €5k 2023: €2k

2020 → 2024

Working capital

€-15k

2023 · €9k

2020: €-1k 2021: €-14k 2022: €3k 2023: €9k

2020 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Turnover€38k€92k▲ 143%

Equity€5k-€11k▲ 100.0%€16k▲ 42.2%€18k▲ 15.9%€19k▲ 6.2%

Operating result€4k-€6k▲ 50.3%€7k▲ 12.2%€4k▼ 42.3%€6k▲ 43.5%

Net result€3k-€5k▲ 57.9%€5k▼ 15.6%€2k▼ 46.4%€1k▼ 55.0%

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 2024; 2024 is 43% above 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €95k

69.7%

30.3%

Fixed assets €66k▲ 628%

Current assets €29k▲ 3.0%

Equity and liabilities €95k

20.1%

79.9%

Equity €19k▲ 6.2%

Debt €76k▲ 297%

The debt ratio rises from 51.6% to 79.9%: debt grows faster than equity.

Key figures and ratios

2024 value · change against 2023

EBITDA

€35k▲

2023 · €17k

Cash flow

€31k▲

2023 · €16k

Solvency

20.1%▼

2023 · 48.4%

Current ratio

0.65▼

2023 · 1.46

Quick ratio

0.65▼

2023 · 1.46

Debt / equity

3.98▲

2023 · 1.06

ROE

5.8%▼

2023 · 13.7%

ROA

1.2%▼

2023 · 6.7%

Interest coverage

419.16▲

2023 · 175.32

Debt

€76k▲

2023 · €19k

Debt ≤ 1 year

€44k▲

2023 · €19k

Debt > 1 year

€32k

Income taxes

€4k▲

2023 · €1k

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€37k€95k▲

Fixed assets21/28€9k€66k▲

Tangible fixed assets22/27€9k€66k▲

Furniture and vehicles24€9k€66k▲

Current assets29/58€28k€29k▲

Amounts receivable within one year40/41€16k€19k▲

Trade receivables40€376€15k▲

Other amounts receivable41€16k€4k▼

Cash at bank and in hand54/58€12k€9k▼

Deferred charges and accrued income490/1€491€491=

Equity and liabilities

Total equity and liabilities10/49€37k€95k▲

Equity10/15€18k€19k▲

Contributions10/11€2k€2k=

Profit (loss) carried forward14€16k€17k▲

Amounts payable17/49€19k€76k▲

Amounts payable after more than one year17-€32k

Financial debts170/4-€32k

Amounts payable within one year42/48€19k€44k▲

Current portion of amounts payable after more than one year42-€10k

Trade debts44€16k€17k▲

Suppliers440/4€16k€17k▲

Taxes, remuneration and social security45€2k€6k▲

Taxes450/3€2k€6k▲

Other amounts payable47/48€2k€12k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€30k▲

Other operating charges640/8€172€10k▲

Gross operating margin9900€17k€45k▲

Operating profit (loss)9901€4k€6k▲

Financial charges65/66B€98€85▼

Recurring financial charges65€98€85▼

Profit (loss) for the period before taxes9903€4k€6k▲

Income taxes67/77€1k€4k▲

Profit (loss) for the period9904€2k€1k▼

Profit (loss) for the period to be appropriated9905€2k€1k▼

Appropriation of the result

Profit (loss) to be appropriated9906€16k€17k▲

Profit (loss) brought forward from the previous period14P€14k€16k▲

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 9Financial 3Gazette 1Filings 5

2026

20-03

State Gazette act Capital & shares · Resignations & appointments

General meeting · Share transfer · Director appointment3 facts ▸

General meeting, 10/03/2026
Share transfer, Said ISLANE → Ilias AHNIFI
Director appointment, Tarik ISLANE (bestuurder)

2025

14-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 75 days late

2024

31-12

Financial Weakest financial yearnet €1k ▼55%

Net result drops to €1k, the lowest in the series.

12-11

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 104 days late

2023

15-12

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 137 days late

15-12

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 502 days late

2022

31-12

Financial Liquidity doublescurrent ratio 1.08

Current ratio from 0.51 to 1.08.

2021

31-12

Financial Highest result since 2020net €5k ▲57.9%

Net result €5k, the highest in the series.

25-10

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 86 days late

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

5 directors, no change since 2026

Tarik ISLANE

Director · since 10-03-2026

Current

10-03-2026 Tarik ISLANE: Appointed as Director

21-03-2025 Ahnifi Mustapha: Resigned as Director

21-03-2025 NAHHASS Anass: Resigned as Director

01-10-2020 Damghi Ismail: Resigned as Director

01-07-2020 Ahnifi Ilias: Resigned as Director

Location & real-estate footprint

Registered office, Sint-Pieters-Leeuw · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Ruisbroeksesteenweg 1641600 Sint-Pieters-Leeuw

Ground area

1,303 m²

Building footprint

276 m²

Volume, LiDAR

1,891 m³

Parcel 23582E0600/00R003, Flanders · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

AHNIFI & CO

Ruisbroeksesteenweg 164, 1600 Sint-Pieters-LeeuwScheduled passenger transport by road

since 20202.301.125.060

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23582E0600/00R003	Flanders	1,303 m²	1 · 276 m²	10.7 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.

Structure & network

Capital and shareholders

Transfer of 25% van de aandelen from Said ISLANE to Ilias AHNIFI

State Gazette act of 20-03-2026

Similar companies · same sector, comparable size

Of 956 companies in sector 49310 we hold annual accounts for 478. 339 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded23-03-2020

Fiscal year end31-12

Activities, NACEBEL

49310Scheduled passenger transport by road

49330On-demand passenger transport by chauffeured vehicle

49320Taxi operation

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.