ANF CONSTRUCT
ActiveANF CONSTRUCT has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €250k and a net result of €33k. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 43% of 2024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
86
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▼-34
Solvency75▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 1.71 against 1.63 in 2024), but 61.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
38.2%
Return on assets
5%
Age of the figures
8 mo
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
11 d late
2023
16 d late
2022
23 d late
2021
22 d late
2020
185 d late
2019
89 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€33k▼ 55.0%
2024 · €73k
2018: €20k
2019: €-456
2020: €54k
2021: €24k
2022: €26k
2023: €61k
2024: €73k
2018 → 2025
Working capital
€255k▲ 11.1%
2024 · €229k
2018: €100k
2019: €102k
2020: €132k
2021: €142k
2022: €159k
2023: €201k
2024: €229k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€136k-€162k▲ 19.4%€197k▲ 21.7%€236k▲ 20.0%€250k▲ 5.7%
Operating result€33k-€58k▲ 78.0%€85k▲ 46.3%€97k▲ 13.2%€63k▼ 35.2%
Net result€24k-€26k▲ 7.2%€61k▲ 133%€73k▲ 19.7%€33k▼ 55.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €652k
Fixed assets
€41k▲ 36.2%
Current assets
€612k▲ 2.9%
Equity and liabilities €652k
Equity
€250k▲ 5.7%
Debt
€403k▲ 3.7%
The debt ratio falls from 62.2% to 61.8%: equity grows faster than debt.
Key figures and ratios
EBITDA
€79k▼
2024 · €112k
Cash flow
€49k▼
2024 · €88k
Solvency
38.2%▲
2024 · 37.8%
Current ratio
1.71▲
2024 · 1.63
Quick ratio
1.69▲
2024 · 1.63
Debt / equity
1.61▼
2024 · 1.64
ROE
13.2%▼
2024 · 31.0%
ROA
5.0%▼
2024 · 11.7%
Interest coverage
9.76▼
2024 · 41.52
Debt
€403k▲
2024 · €388k
Debt ≤ 1 year
€357k▼
2024 · €365k
Debt > 1 year
€46k▲
2024 · €19k
Income taxes
€32k▲
2024 · €21k
Staff costs
€157k▲
2024 · €154k
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€625k€652k▲
Fixed assets21/28€30k€41k▲
Tangible fixed assets22/27€30k€41k▲
Furniture and vehicles24€26k€39k▲
Leasing and similar rights25€4k€2k▼
Current assets29/58€595k€612k▲
Amounts receivable after more than one year29-€22k
Trade receivables290-€22k
Stocks and contracts in progress3-€10k
Stocks30/36-€10k
Amounts receivable within one year40/41€125k€100k▼
Trade receivables40€106k€86k▼
Other amounts receivable41€19k€15k▼
Cash at bank and in hand54/58€466k€474k▲
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€625k€652k▲
Equity10/15€236k€250k▲
Contributions10/11€20k€20k=
Capital10€20k€20k=
Issued capital100€20k€20k=
Reserves13€78k€126k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€76k€124k▲
Profit (loss) carried forward14€138k€104k▼
Amounts payable17/49€388k€403k▲
Amounts payable after more than one year17€19k€46k▲
Financial debts170/4€19k€46k▲
Amounts payable within one year42/48€365k€357k▼
Current portion of amounts payable after more than one year42€2k€18k▲
Trade debts44€336k€261k▼
Suppliers440/4€336k€261k▼
Taxes, remuneration and social security45€20k€15k▼
Taxes450/3€11k€5k▼
Remuneration and social security454/9€9k€10k▲
Other amounts payable47/48€7k€63k▲
Accrued charges and deferred income492/3€4k-
Income statement
Code20242025
Non-recurring operating income76A-€15k
Remuneration, social security and pensions62€154k€157k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€16k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€34k
Gross operating margin9900€265k€270k▲
Operating profit (loss)9901€97k€63k▼
Financial income75/76B€96€11k▲
Recurring financial income75€96€11k▲
Financial charges65/66B€3k€8k▲
Recurring financial charges65€3k€8k▲
Profit (loss) for the period before taxes9903€94k€65k▼
Income taxes67/77€21k€32k▲
Profit (loss) for the period9904€73k€33k▼
Profit (loss) for the period to be appropriated9905€73k€33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€192k€171k▼
Profit (loss) brought forward from the previous period14P€119k€138k▲
Transfer to equity691/2€20k€48k▲
To other reserves6921€20k€48k▲
Profit to be distributed694/7€34k€20k▼
Return on contributions (dividend)694€34k€20k▼
Social balance
Average headcount (FTE)90877.03.0▼
The notes to these accounts (10 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 11 days late
2024
31-12
Financial
Highest result since 2018net €73k ▲19.7%
Operating result €97k, net result €73k, both a record.
31-12
Financial
Equity above €200kEq €236k ▲20%
5 profitable years in a row build equity to €236k.
16-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 16 days late
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 23 days late
2022
31-12
Financial
Equity above €150kEq €162k ▲19.4%
3 profitable years in a row build equity to €162k.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 22 days late
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 185 days late
2020
31-12
Financial
Back to profitnet €54k
Net result €54k after one loss-making year.
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 89 days late
2019
31-12
Financial
Weakest financial yearnet €-456 ▼102%
Net result drops to €-456, the lowest in the series; recovery starts the following year.
16-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 16 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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 2007
Ground area
176 m²
Building footprint
67 m²
Volume, LiDAR
578 m³
Parcel 11344A0410/00B004, Flanders · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Arendshoflaan 76, 2100 Antwerpen
since 20072.170.506.345
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11344A0410/00B004 | Flanders | 176 m² | 1 · 67 m² | 9.8 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.
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Of 22,731 companies in sector 43211 we hold annual accounts for 10,271. 7,866 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded22-10-2007
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
43221Plumbing work
45310
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.