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
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 9,773. 7,780 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.