AIFFA
ActiveAIFFA has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €109k and a net result of €-9k. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 56% of 19347 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-33
Solvency48▼-15
Growth35=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days only on tighter terms
Liquidity short (current ratio 0.06 against 1.09 in 2023), and 61.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · 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 2024Solvency, return and age of the figures
Solvency
38.2%
Return on assets
-3.3%
Age of the figures
20 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year -€9k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-08-2025, 18 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
18 d late
2023
28 d late
2022
30 d late
2021
152 d late
2020
149 d late
2019
23 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€23k▲ 19.2%
2022 · €20k
2018: €148k
2019: €22k
2020: €21k
2021: €23k
2022: €20k
2018 → 2023
EBIT margin
-7.7%▼ 49.8pp
2022 · 42.1%
2018: 0.7%
2019: 54.4%
2020: 73.1%
2021: 42.1%
2022: 42.1%
2018 → 2023
Net result
€-9k▼ 220%
2023 · €-3k
2018: €-3k
2019: €7k
2020: €11k
2021: €8k
2022: €8k
2023: €-3k
2018 → 2024
Working capital
€-27k
2023 · €344
2018: €-37k
2019: €-30k
2020: €-19k
2021: €-11k
2022: €12k
2023: €344
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€21k-€23k▲ 7.9%€20k▼ 13.5%€23k▲ 19.2%
Equity€105k-€113k▲ 8.0%€121k▲ 6.9%€118k▼ 2.4%€109k▼ 7.9%
Operating result€15k-€10k▼ 37.8%€8k▼ 13.6%€-2k€-689▲ 61.7%
Net result€11k-€8k▼ 24.6%€8k▼ 6.1%€-3k€-9k▼ 220%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €689 in 2024 against €2k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €284k
Fixed assets
€282k▼ 3.8%
Current assets
€2k▼ 57.1%
Equity and liabilities €284k
Equity
€109k▼ 7.9%
Debt
€175k▼ 2.4%
The debt ratio rises from 60.4% to 61.8%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€23k▲
2023 · €7k
Cash flow
€15k▲
2023 · €6k
Solvency
38.2%▼
2023 · 39.6%
Current ratio
0.06▼
2023 · 1.09
Quick ratio
0.06▼
2023 · 1.09
Debt / equity
1.62▲
2023 · 1.52
ROE
-8.6%▼
2023 · -2.5%
ROA
-3.3%▼
2023 · -1.0%
Interest coverage
3.55▼
2023 · 6.24
Debt
€175k▼
2023 · €180k
Debt ≤ 1 year
€29k▲
2023 · €4k
Debt > 1 year
€147k▼
2023 · €176k
Income taxes
€2k
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€298k€284k▼
Fixed assets21/28€293k€282k▼
Tangible fixed assets22/27€293k€282k▼
Land and buildings22€293k€282k▼
Current assets29/58€4k€2k▼
Amounts receivable within one year40/41€680-
Other amounts receivable41€680-
Cash at bank and in hand54/58€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€298k€284k▼
Equity10/15€118k€109k▼
Contributions10/11€31k€31k=
Capital10€31k€31k=
Issued capital100€31k€31k=
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€3k=
Legal reserve130€3k€3k=
Profit (loss) carried forward14€84k€75k▼
Amounts payable17/49€180k€175k▼
Amounts payable after more than one year17€176k€147k▼
Financial debts170/4€176k€147k▼
Amounts payable within one year42/48€4k€29k▲
Current portion of amounts payable after more than one year42-€13k
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Other amounts payable47/48€3k€15k▲
Income statement
Code20232024
Turnover70€23k-
Goods, raw materials, services and sundry goods60/61€14k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€24k▲
Other operating charges640/8€2k€4k▲
Non-recurring operating charges66A-€57
Gross operating margin9900€9k€27k▲
Operating profit (loss)9901€-2k€-689▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€1k€7k▲
Recurring financial charges65€1k€7k▲
Profit (loss) for the period before taxes9903€-3k€-7k▼
Income taxes67/77-€2k
Profit (loss) for the period9904€-3k€-9k▼
Profit (loss) for the period to be appropriated9905€-3k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€84k€75k▼
Profit (loss) brought forward from the previous period14P€87k€84k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Liquidity times 15current ratio 2.56
Current ratio from 0.17 to 2.56; short-term debt falls from €14k to €8k.
30-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 152 days late
2021
27-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 149 days late
2020
31-12
Financial
Highest result since 2018net €11k ▲64.3%
Operating result €15k, net result €11k, both a record.
31-12
Financial
Equity above €100kEq €105k ▲11.8%
2 profitable years in a row build equity to €105k.
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
02-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 2 days late
2017
24-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 85 days late
2016
09-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 9 days late
Financial milestoneNBB 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, Colfontaine · 1 establishment unit since 1992
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.
Place Saint-Pierre 227340 ColfontaineGround area
598 m²
Building footprint
89 m²
Volume, LiDAR
972 m³
Parcel 53302B0475/00A004, Wallonia · tallest building 13.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
AIFFA
since 19922.059.184.591
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53302B0475/00A004 | Wallonia | 598 m² | 1 · 89 m² | 13.1 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.
Similar companies · same sector, comparable size
AMPLIO CONCEPT
BE 0684.671.134
Schaarbeek · Eq €109k
SLIMVEST
BE 0675.913.123
Antwerpen · Eq €109k
IMMO JOS
BE 0841.231.015
Ninove · Eq €108k
TECHNORAMA INVEST
BE 0480.255.908
Herstal · Eq €108k
V.B.H.
BE 0447.489.110
Tessenderlo-Ham · Eq €109k
Of 9,095 companies in sector 68201 we hold annual accounts for 6,729. 4,241 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-09-1992
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 28 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.