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Generated 24-08-2026
Active BE 0474.048.797Non-profit association

ALTERFIN GARANTIEFONDS

Liefdadigheidsstraat 18-26 ·1210 Sint-Joost-ten-Node, Belgium· 26 yrs active
Conclusion Checked

The computed 12-month bankruptcy probability of ALTERFIN GARANTIEFONDS is 0.1% (very low). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.
Key figures
Active 26 yrs
Board 3
Publications 12
Bankruptcy probability (12 mo) Checked model v1 · free
0.1% Very low
0%0,5%1,5%4%10%≥25%
Lower-risk legal form −No NACE activity registered +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 2000, 26 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financial overview3 NBB filings
Financials being processed
NBB has 3 filing(s) on record for this company, latest fiscal year 2025 (verkort). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2025 verkort 01-06-2026 2026-00133662
31-12-2024 verkort 27-06-2025 2025-00192492
31-12-2023 verkort 25-06-2024 2024-00171440
Directors & mandates 9 directors
Current directors & mandates
  • Hugo COUDERE
    Director
    State Gazette act 23120268 (19-09-2023)
    Current
    19-09-2023 → present
  • Luv MITTAL
    Gedelegeerde bestuurder
    State Gazette act 23120268 (19-09-2023)
    Current
    19-09-2023 → present
  • Laurent BIOT
    Director
    State Gazette act 21092097 (30-07-2021)
    Current
    07-09-2016 → present
    2 events
    • 30-07-2021 Appointed· Director
    • 07-09-2016 Appointed· Raad van bestuur
Permanent representatives (3)
These people represent a legal-person director (a management company, for instance). They hold no board mandate of their own and do not count as directors.
  • Erik DEVOGELAERE
    Vertegenwoordiger van rikolto vzw
    State Gazette act 23120268 (19-09-2023)
    Permanent representative
    19-09-2023 → present
  • Chris CLAES
    Vertegenwoordiger van rikolto vzw
    State Gazette act 23120268 (19-09-2023)
    Permanent representative
    - → 19-09-2023
  • Frederick DE GRYSE
    Vertegenwoordiger van rikolto vzw
    State Gazette act 23120268 (19-09-2023)
    Permanent representative
    - → 19-09-2023
Former directors (6)
  • Jean-Marc DEBRICON
    Gedelegeerde bestuurder
    State Gazette act 22082997 (11-07-2022)
    Former
    11-07-2022 → 19-09-2023
    2 events
    • 19-09-2023 Resigned· Gedelegeerde bestuurder
    • 11-07-2022 Appointed· Gedelegeerde bestuurder
  • Audrey TIMMERMANS
    Gedelegeerde bestuurder
    State Gazette act 21092097 (30-07-2021)
    Former
    07-09-2016 → 11-07-2022
    3 events
    • 11-07-2022 Resigned· Gedelegeerde bestuurder
    • 30-07-2021 Appointed· Gedelegeerde bestuurder
    • 07-09-2016 Appointed· Raad van bestuur
  • Frederick De Gryse
    Director
    State Gazette act 18109835 (13-07-2018)
    Former
    13-07-2018 → 07-07-2017
    2 events
    • 13-07-2018 Appointed· Director
    • 07-07-2017 Resigned· Director
  • Jan De Grande
    Raad van bestuur
    State Gazette act 16124699 (07-09-2016)
    Former
    - → 07-09-2016
  • Marc Mees
    Raad van bestuur
    State Gazette act 16124699 (07-09-2016)
    Former
    - → 07-09-2016
1 further former director in the mandate history. Available in Kantoor S. See plans →
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Statutory auditor 3 auditor
Statutory auditor IRE/IBR number Tenure
Peter LENOIRCurrent
Commissaris revisor
 - 13-07-2018 → present
Show 2 earlier auditors
Eric Clinck
Commissaris revisor
 - - → 13-07-2018
Erik Clinck
Commissars revisor
succeeded by Peter LENOIR in 2018
 - 01-07-2015 → 13-07-2018
Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.
Legal Structure
NACE primary -
Legal form Non-profit association(017)
Incorporation20-01-2000
StatusActive
Postal code1210
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21572B0357/00L000 Brussels 1,230 m² 1 · 1,052 m² 25.2 m · 7 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 15 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
01-06-2026
NBB filing Annual accounts filed
fiscal year 2025 · verkort
2025
27-06-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2024
03-10-2024
State Gazette act Director changes
v3.2
25-06-2024
NBB filing Annual accounts filed
fiscal year 2023 · verkort
31-05-2024
State Gazette act Statutes amendment
v3.2
2023
19-09-2023
State Gazette act Director changes
v3.2
2022
11-07-2022
State Gazette act Director changes
v3.2
2021
30-07-2021
State Gazette act Director changes
v3.2
2019
14-08-2019
State Gazette act Registered-office change
Audrey TIMMERMANS
2018
13-07-2018
State Gazette act Director changes
v3.2
2017
07-07-2017
State Gazette act Director changes
v3.2
2016
07-09-2016
State Gazette act Director changes
v3.2
2015
01-07-2015
State Gazette act Director changes
v3.2
2010
02-07-2010
State Gazette act Registered-office change
Jan De Grande
2005
30-05-2005
State Gazette act Director changes
v3.2
Belgian State Gazette reading coverage 0 of 17 acts read

We know of 17 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 12 acts
Address history · 2
14-08-2019
Registered-office move
02-07-2010
Registered-office move
All acts · 12 updated 1 year ago
2024
03-10-2024 Peter LENOIR appointed as commissaris revisor Director changes
  • Peter LENOIR, Commissaris revisor
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "commissaris revisor",
      "person": {
        "rrn": null,
        "name": "Peter LENOIR",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0474.048.797",
    "name_full": "Alterfin"
  }
}
31-05-2024 Articles of association amended Statutes amendment
Summary: v3.2
Technical details 
{
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "name_change": {
    "new": "",
    "old": "",
    "changed": false
  },
  "seat_change": {
    "changed": false
  },
  "object_change": {
    "changed": true
  },
  "subject_company": {
    "kbo": "0474.048.797",
    "name_full": "Alterfin Garantiefonds VZW"
  },
  "legal_form_change": {
    "new": "Vereniging zonder winstoogmerk",
    "old": "Vereniging zonder winstoogmerk",
    "changed": false
  }
}
2023
19-09-2023 3 directors appointed, 3 resigning Director changes
  • Luv MITTAL, Gedelegeerde bestuurder
  • Hugo COUDERE, Bestuurder
  • Erik DEVOGELAERE, Vertegenwoordiger van rikolto vzw
  • Jean-Marc DEBRICON, Gedelegeerde bestuurder
  • Frederick DE GRYSE, Vertegenwoordiger van rikolto vzw
  • Chris CLAES, Vertegenwoordiger van rikolto vzw
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "gedelegeerde bestuurder",
      "person": {
        "rrn": null,
        "name": "Jean-Marc DEBRICON",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_out",
      "role": "vertegenwoordiger van Rikolto vzw",
      "person": {
        "rrn": null,
        "name": "Frederick DE GRYSE",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_out",
      "role": "vertegenwoordiger van Rikolto vzw",
      "person": {
        "rrn": null,
        "name": "Chris CLAES",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "gedelegeerde bestuurder",
      "person": {
        "rrn": null,
        "name": "Luv MITTAL",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Hugo COUDERE",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "vertegenwoordiger van Rikolto vzw",
      "person": {
        "rrn": null,
        "name": "Erik DEVOGELAERE",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0474.048.797",
    "name_full": "Alterfin Garantiefonds vzw"
  }
}
2022
11-07-2022 1 director appointed, 1 resigning Director changes
  • Jean-Marc DEBRICON, Gedelegeerde bestuurder
  • Audrey TIMMERMANS, Gedelegeerde bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "gedelegeerde bestuurder",
      "person": {
        "rrn": null,
        "name": "Audrey TIMMERMANS",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "gedelegeerde bestuurder",
      "person": {
        "rrn": null,
        "name": "Jean-Marc DEBRICON",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0474.048.797",
    "name_full": "Alterfin Garantiefonds vzw"
  }
}
2021
30-07-2021 3 directors appointed Director changes
  • Peter LENoir, Commissaris revisor
  • Laurent BIOT, Bestuurder
  • Audrey TIMMERMANS, Gedelegeerde bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "commissaris revisor",
      "person": {
        "rrn": null,
        "name": "Peter LENoir",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Laurent BIOT",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "gedelegeerde bestuurder",
      "person": {
        "rrn": null,
        "name": "Audrey TIMMERMANS",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0474.048.797",
    "name_full": "Alterfin Garantiefonds vzw"
  }
}
2019
14-08-2019 Registered office moved within Brussel Registered-office change·Audrey TIMMERMANS
  • Haachtsesteenweg 159- 1030 Brussel → Liefdadigheidsstraat 18-26 1210 Brussel
Notary: Audrey TIMMERMANS · Brussel
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Liefdadigheidsstraat 18-26 1210 Brussel",
        "city": "Brussel",
        "region": "brussels_hoofdstedelijk_gewest",
        "street": "Liefdadigheidsstraat",
        "country": "BE",
        "postcode": "1210",
        "box_number": null,
        "street_number": "18-26",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Haachtsesteenweg 159- 1030 Brussel",
        "city": "Brussel",
        "region": "brussels_hoofdstedelijk_gewest",
        "street": "Haachtsesteenweg",
        "country": "BE",
        "postcode": "1030",
        "box_number": null,
        "street_number": "159",
        "locality_suffix": null
      },
      "effective_date": "2019-06-12",
      "evidence_quote": "De raad van bestuur keurt het volgend goed: \u2022Verhuis: per 12 juni 2019 verhuist de zetel van Alterfin Garantiefonds vzw naar Liefdadigheidsstraat 18-26 1210 Brussel.",
      "region_changed": false,
      "is_statute_change": false,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": "Audrey TIMMERMANS",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Brussel",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2019-08-14",
    "filing_date": "2019-08-05",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "raad_van_bestuur",
    "date": "2019-06-12",
    "unanimous": true
  },
  "subject_company": {
    "kbo": "0474.048.797",
    "name_full": "Alterfin Garantiefonds vzw",
    "legal_form": "VZW"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Audrey TIMMERMANS",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": [
    "Uittreksel uit het verslag van de Raad van Bestuur van 12 juni 2019"
  ]
}
2018
13-07-2018 2 directors appointed, 1 resigning Director changes
  • Peter Lenoir, Commissaris revisor
  • Frederick De Gryse, Bestuurder
  • Eric Clinck, Commissaris revisor
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "commissaris revisor",
      "person": {
        "rrn": null,
        "name": "Peter Lenoir",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_out",
      "role": "commissaris revisor",
      "person": {
        "rrn": null,
        "name": "Eric Clinck",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Frederick De Gryse",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0474.048.797",
    "name_full": "Alterfin Garantiefonds vzw"
  }
}
2017
07-07-2017 Frederick De Gryse resigns as director Director changes
  • Frederick De Gryse, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Frederick De Gryse",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0474.048.797",
    "name_full": "Alterfin Garantiefonds vzw"
  }
}
2016
07-09-2016 2 directors appointed, 2 resigning Director changes
  • Audrey Timmermans, Raad van bestuur
  • Laurent Biot, Raad van bestuur
  • Marc Mees, Raad van bestuur
  • Jan De Grande, Raad van bestuur
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "raad van bestuur",
      "person": {
        "rrn": null,
        "name": "Marc Mees",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_out",
      "role": "raad van bestuur",
      "person": {
        "rrn": null,
        "name": "Jan De Grande",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "raad van bestuur",
      "person": {
        "rrn": null,
        "name": "Audrey Timmermans",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "raad van bestuur",
      "person": {
        "rrn": null,
        "name": "Laurent Biot",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0474.048.797",
    "name_full": "Alterfin Garantiefonds vzw"
  }
}
2015
01-07-2015 Erik Clinck appointed as commissars revisor Director changes
  • Erik Clinck, Commissars revisor
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "commissars revisor",
      "person": {
        "rrn": null,
        "name": "Erik Clinck",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0474.048.797",
    "name_full": "Alterfin Garantiefonds vzw"
  }
}
2010
02-07-2010 Registered office moved from Brussel to Schaarbeek Registered-office change·Jan De Grande
  • Vlasfabriekstraat 11, 1060 Brussel → Haachtsesteenweg 159, 1030 Schaarbeek
Notary: Jan De Grande · Brussel
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Haachtsesteenweg 159, 1030 Schaarbeek",
        "city": "Schaarbeek",
        "region": "brussels_hoofdstedelijk_gewest",
        "street": "Haachtsesteenweg",
        "country": "BE",
        "postcode": "1030",
        "box_number": null,
        "street_number": "159",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Vlasfabriekstraat 11, 1060 Brussel",
        "city": "Brussel",
        "region": "brussels_hoofdstedelijk_gewest",
        "street": "Vlasfabriekstraat",
        "country": "BE",
        "postcode": "1060",
        "box_number": null,
        "street_number": "11",
        "locality_suffix": null
      },
      "effective_date": "2010-04-01",
      "evidence_quote": "Verhuis: per 1 april 2010 verhuist de zetel van Alterfin vzw naar de Haachtsesteenweg 159 te 1030 Schaarbeek.",
      "region_changed": false,
      "is_statute_change": false,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "retroactive",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": "Jan De Grande",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Brussel",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2010-07-02",
    "filing_date": "2010-06-08",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "algemene_vergadering",
    "date": "2010-06-08",
    "unanimous": true
  },
  "subject_company": {
    "kbo": "0474.048.797",
    "name_full": "Alterfin Garantiefonds vzw",
    "legal_form": "VZW"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Jan De Grande",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": [
    "Uittreksel uit het verslag van de algemene vergadering van 8 juni 2010"
  ]
}
2005
30-05-2005 Rose-Maryn Smits resigns as director Director changes
  • Rose-Maryn Smits, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Rose-Maryn Smits",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0474.048.797",
    "name_full": "Alterfin Garantiefonds vzw"
  }
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameNL ALTERFIN GARANTIEFONDS
AbbreviationNL AGF vzw
AbbreviationNL ALTERFIN
Registered office
Liefdadigheidsstraat 18-26
1210 Sint-Joost-ten-Node, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative