ANFA
ActiveSummary
The computed 12-month bankruptcy probability of ANFA is 3.6% (moderate). The 2025 annual accounts show equity of €16k and a net result of €8k. Equity is growing by ~62.3% per year across the filed fiscal years. Its solvency ranks better than 44% of 13417 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability66▲+25
Solvency49▲+17
Growth85=
Track record100
Bankruptcy probability, 12 months
3.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.31 against 1.07 in 2024; short-term debt: 76.3% and cash: 75.6% of total assets), and 76.3% of the assets are financed with debt.
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Signals
Five 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 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
23.7%
Return on assets
11.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 6 filingsDeviation from the deadline
2025
20 d late
2024
30 d late
2023
61 d late
2022
31 d late
2021
5 d early
2020
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, micro schema
Turnover
€207k▲ 378%
2020 · €43k
EBIT margin
0.7%▲ 11.6pp
2020 · -10.9%
Net result
€8k▲ 414%
2024 · €2k
Working capital
€16k▲ 94.7%
2024 · €8k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€207k
Operating result€-10k▼ 114%€1k€6k▲ 320%€3k▼ 47.1%€8k▲ 163%
Net result€-10k▼ 115%€1k€5k▲ 353%€2k▼ 72.3%€8k▲ 414%
EBIT margin0.7%
Equity€-15k▼ 215%€1k€7k▲ 446%€8k▲ 22.6%€16k▲ 94.7%
Total assets€15k▲ 49.8%€32k▲ 118%€68k▲ 115%€120k▲ 74.7%€67k▼ 43.6%
Debt€30k▲ 104%€31k▲ 3.5%€62k▲ 101%€111k▲ 80.3%€51k▼ 53.8%
Working capital€-16k▼ 153%€1k€7k▲ 446%€8k▲ 22.6%€16k▲ 94.7%
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 2025; 2025 is 163% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €67k
Equity
€16k ▲ 94.7%
Debt
€51k ▼ 53.8%
Debt's share of the balance-sheet total falls from 93.1% to 76.3%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
1.31▲
2024 · 1.07
Quick ratio
1.13▲
2024 · 0.94
Debt to equity
3.23▼
2024 · 13.59
ROE
48.6%▲
2024 · 18.4%
ROA
11.5%▲
2024 · 1.3%
Debt ≤ 1 year
€51k▼
2024 · €111k
Staff costs
€58k▲
2024 · €56k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | €207k | - | - | - | - |
| Non-recurring operating income76A | €8k | €21k | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €171k | - | - | - | - |
| Remuneration, social security and pensions62 | €33k | €55k | €53k | €56k | €58k | ▲ 5.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €730 | €730 | - | - | - | - |
| Other operating charges640/8 | €282 | - | - | - | €68 | - |
| Gross operating margin9900 | €24k | €57k | €59k | €59k | €66k | ▲ 13.4% |
| Operating profit (loss)9901 | €-10k | €1k | €6k | €3k | €8k | ▲ 163% |
| Financial income75/76B | - | - | - | €57 | €141 | ▲ 149% |
| Recurring financial income75 | - | - | - | €57 | €141 | ▲ 149% |
| Financial charges65/66B | €141 | €153 | €241 | €918 | €319 | ▼ 65.2% |
| Recurring financial charges65 | €141 | €153 | €241 | €918 | €319 | ▼ 65.2% |
| Profit (loss) for the period before taxes9903 | €-10k | €1k | €5k | €2k | €8k | ▲ 260% |
| Income taxes67/77 | - | - | - | €642 | - | - |
| Profit (loss) for the period9904 | €-10k | €1k | €5k | €2k | €8k | ▲ 414% |
| Profit (loss) for the period to be appropriated9905 | €-10k | €1k | €5k | €2k | €8k | ▲ 414% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €15k | €32k | €68k | €120k | €67k | ▼ 43.6% |
| Fixed assets21/28 | €730 | - | - | - | - | - |
| Tangible fixed assets22/27 | €730 | - | - | - | - | - |
| Plant, machinery and equipment23 | €730 | - | - | - | - | - |
| Current assets29/58 | €14k | €32k | €68k | €120k | €67k | ▼ 43.6% |
| Stocks and contracts in progress3 | €8k | €14k | €15k | €15k | €9k | ▼ 35.0% |
| Stocks30/36 | €8k | €14k | €15k | €15k | €9k | ▼ 35.0% |
| Amounts receivable within one year40/41 | €4k | €8k | €5k | €46k | €7k | ▼ 84.6% |
| Trade receivables40 | - | - | - | €44k | - | - |
| Other amounts receivable41 | €4k | €8k | €5k | €1k | €7k | ▲ 383% |
| Cash at bank and in hand54/58 | €2k | €10k | €49k | €59k | €51k | ▼ 14.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €15k | €32k | €68k | €120k | €67k | ▼ 43.6% |
| Equity10/15 | €-15k | €1k | €7k | €8k | €16k | ▲ 94.7% |
| Contributions10/11 | - | €15k | €15k | €15k | €15k | = |
| Profit (loss) carried forward14 | €-15k | €-14k | €-8k | €-7k | €955 | ▲ 114% |
| Amounts payable17/49 | €30k | €31k | €62k | €111k | €51k | ▼ 53.8% |
| Amounts payable within one year42/48 | €30k | €31k | €62k | €111k | €51k | ▼ 53.8% |
| Trade debts44 | €3k | €3k | €8k | €15k | €566 | ▼ 96.2% |
| Suppliers440/4 | €3k | €3k | €8k | €15k | €566 | ▼ 96.2% |
| Advances received on contracts in progress46 | - | - | - | €38k | - | - |
| Taxes, remuneration and social security45 | €15k | €28k | €54k | €59k | €51k | ▼ 13.5% |
| Taxes450/3 | €1k | €7k | €21k | €20k | €16k | ▼ 17.0% |
| Remuneration and social security454/9 | €14k | €20k | €32k | €39k | €34k | ▼ 11.7% |
| Other amounts payable47/48 | €11k | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-10k | €1k | €5k | €2k | €8k | ▲ 414% |
| + Depreciation and write-downs630 | €730 | €730 | - | - | - | - |
| Operating cash flow (approximation) | €-9k | €2k | €5k | €2k | €8k | ▲ 414% |
| Change in cash | - | €8k | €39k | €10k | €-8k | ▼ 184% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Highest result since 2020net €8k ▲414%
Operating result €8k, net result €8k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 1.04
Current ratio from 0.47 to 1.04.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 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, Liège · 1 establishment unit since 2019
Ground area
99 m²
Building footprint
43 m²
Volume, LiDAR
605 m³
Parcel 62808A0662/00A000, Wallonia · tallest building 15.2 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
ANFA
since 20192.289.986.292
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62808A0662/00A000 | Wallonia | 99 m² | 1 · 43 m² | 15.2 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLiège2.289.986.292
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Of 21,861 companies in sector 56112 we hold annual accounts for 9,778. 7,783 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-06-2019
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
Scores and ratios are computed by Checked and are not a credit decision.