ANFORCE
ActiveSummary
ANFORCE has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52,285 and a net result of €11,191. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 59% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▼-8
Solvency69▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity ample (current ratio 1.58 against 1.34 in 2024; short-term debt: 55.7% and cash: 67.8% of total assets), but 55.7% of the assets are financed with debt.
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Signals
Four 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
44.3%
Return on assets
9.5%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-12-2025, 33 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
33 d early
2024
44 d early
2023
22 d early
2022
36 d early
2021
45 d early
2020
18 d early
2019
31 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 33 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 26 December (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€52,285▲ 27.2%
2024 · €41,095
Total assets
€117,909▲ 4.1%
2024 · €113,313
Net result
€11,191▼ 37.7%
2024 · €17,960
Working capital
€38,363▲ 55.8%
2024 · €24,628
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€10,343▲ 72.3%-€10,124€620€22,422▲ 3,518%€18,372▼ 18.1%
Net result€3,995within the sector's middle half▲ 485%-€14,045below the sector's middle half-€2,524within the sector's middle half▲ 82.0%€17,960within the sector's middle half€11,191within the sector's middle half▼ 37.7%
Equity€39,704within the sector's middle half▲ 11.2%€25,659within the sector's middle half▼ 35.4%€23,135within the sector's middle half▼ 9.8%€41,095within the sector's middle half▲ 77.6%€52,285within the sector's middle half▲ 27.2%
Total assets€162,230within the sector's middle half▼ 8.5%€115,669within the sector's middle half▼ 28.7%€102,111within the sector's middle half▼ 11.7%€113,313within the sector's middle half▲ 11.0%€117,909within the sector's middle half▲ 4.1%
Debt€122,527▼ 13.5%€90,010▼ 26.5%€78,976▼ 12.3%€72,218▼ 8.6%€65,624▼ 9.1%
Working capital-€11,453below the sector's middle half▼ 466%-€9,438within the sector's middle half▲ 17.6%-€2,846within the sector's middle half▲ 69.8%€24,628within the sector's middle half€38,363within the sector's middle half▲ 55.8%
Solvency24.5%within the sector's middle half▲ 4.3pp22.2%within the sector's middle half▼ 2.3pp22.7%within the sector's middle half▲ 0.5pp36.3%within the sector's middle half▲ 13.6pp44.3%within the sector's middle half▲ 8.1pp
Current ratio0.89within the sector's middle half▼ 0.090.89within the sector's middle half=0.96within the sector's middle half▲ 0.071.34within the sector's middle half▲ 0.381.58within the sector's middle half▲ 0.24
Return on assets (ROA)2.5%within the sector's middle half▲ 2.1pp-12.1%below the sector's middle half▼ 14.6pp-2.5%within the sector's middle half▲ 9.7pp15.8%above the sector's middle half▲ 18.3pp9.5%within the sector's middle half▼ 6.4pp
Staff (FTE)3.7=7.1▲ 91.9%8.3▲ 16.9%6.4▼ 22.9%5.3▼ 17.2%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €117,909
Fixed assets
€13,922 ▼ 19.5%
Current assets
€103,987 ▲ 8.3%
Equity and liabilities €117,909
Equity
€52,285 ▲ 27.2%
Debt
€65,624 ▼ 9.1%
Debt's share of the balance-sheet total falls from 63.7% to 55.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€21,748▼
2024 · €31,105
Cash flow
€14,566▼
2024 · €26,643
Quick ratio
1.45▲
2024 · 1.19
Debt to equity
1.26▼
2024 · 1.76
ROE
21.4%▼
2024 · 43.7%
Interest coverage
7.63▼
2024 · 11.24
Debt ≤ 1 year
€65,624▼
2024 · €71,387
Income taxes
€4,789▲
2024 · €1,952
Staff costs
€118,917▲
2024 · €106,655
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,349 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €9,091 | - | €3,719 | - | - |
| Remuneration, social security and pensions62 | - | €109,981 | €91,559 | €106,655 | €118,917 | ▲ 11.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €30,140 | €32,417 | €20,466 | €8,683 | €3,376 | ▼ 61.1% |
| Other operating charges640/8 | - | €2,364 | €963 | €3,887 | €2,029 | ▼ 47.8% |
| Gross operating margin9900 | €147,375 | €134,637 | €113,607 | €141,647 | €142,695 | ▲ 0.7% |
| Operating profit (loss)9901 | €10,343 | -€10,124 | €620 | €22,422 | €18,372 | ▼ 18.1% |
| Financial income75/76B | - | €24 | €32 | €256 | €458 | ▲ 79.0% |
| Recurring financial income75 | €33 | €24 | €32 | €256 | €458 | ▲ 79.0% |
| Financial charges65/66B | - | €3,833 | €3,058 | €2,766 | €2,850 | ▲ 3.0% |
| Recurring financial charges65 | €4,680 | €3,833 | €3,058 | €2,766 | €2,850 | ▲ 3.0% |
| Profit (loss) for the period before taxes9903 | €5,696 | -€13,934 | -€2,406 | €19,911 | €15,980 | ▼ 19.7% |
| Income taxes67/77 | €1,701 | €111 | €118 | €1,952 | €4,789 | ▲ 145% |
| Profit (loss) for the period9904 | €3,995 | -€14,045 | -€2,524 | €17,960 | €11,191 | ▼ 37.7% |
| Profit (loss) for the period to be appropriated9905 | €3,995 | -€14,045 | -€2,524 | €17,960 | €11,191 | ▼ 37.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €162,230 | €115,669 | €102,111 | €113,313 | €117,909 | ▲ 4.1% |
| Fixed assets21/28 | €70,508 | €38,091 | €25,981 | €17,298 | €13,922 | ▼ 19.5% |
| Tangible fixed assets22/27 | €70,508 | €38,091 | €25,981 | €17,298 | €13,922 | ▼ 19.5% |
| Land and buildings22 | - | €5,045 | - | - | - | - |
| Plant, machinery and equipment23 | - | €19,990 | €20,673 | €17,298 | €13,922 | ▼ 19.5% |
| Furniture and vehicles24 | - | €13,056 | €5,308 | - | - | - |
| Current assets29/58 | €91,722 | €77,578 | €76,130 | €96,015 | €103,987 | ▲ 8.3% |
| Stocks and contracts in progress3 | €7,683 | €9,874 | €12,594 | €10,874 | €8,632 | ▼ 20.6% |
| Stocks30/36 | - | €9,874 | €12,594 | €10,874 | €8,632 | ▼ 20.6% |
| Amounts receivable within one year40/41 | €11,328 | €10,256 | €10,124 | €15,508 | €10,555 | ▼ 31.9% |
| Trade receivables40 | - | €4,496 | €4,696 | €12,374 | €4,561 | ▼ 63.1% |
| Other amounts receivable41 | - | €5,759 | €5,428 | €3,135 | €5,994 | ▲ 91.2% |
| Cash at bank and in hand54/58 | €68,764 | €52,361 | €48,989 | €66,079 | €79,958 | ▲ 21.0% |
| Deferred charges and accrued income490/1 | - | €5,087 | €4,423 | €3,553 | €4,841 | ▲ 36.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €162,230 | €115,669 | €102,111 | €113,313 | €117,909 | ▲ 4.1% |
| Equity10/15 | €39,704 | €25,659 | €23,135 | €41,095 | €52,285 | ▲ 27.2% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €21,104 | €19,526 | €19,526 | €22,495 | €33,685 | ▲ 49.7% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | €17,666 | €17,666 | €20,635 | €31,825 | ▲ 54.2% |
| Profit (loss) carried forward14 | - | -€12,468 | -€14,991 | - | - | - |
| Amounts payable17/49 | €122,527 | €90,010 | €78,976 | €72,218 | €65,624 | ▼ 9.1% |
| Amounts payable after more than one year17 | €19,352 | €2,994 | - | - | - | - |
| Financial debts170/4 | - | €2,994 | - | - | - | - |
| Amounts payable within one year42/48 | €103,175 | €87,016 | €78,976 | €71,387 | €65,624 | ▼ 8.1% |
| Current portion of amounts payable after more than one year42 | - | €17,585 | €2,994 | - | - | - |
| Trade debts44 | €56,076 | €48,779 | €60,936 | €45,515 | €48,281 | ▲ 6.1% |
| Suppliers440/4 | - | €48,779 | €60,936 | €45,515 | €48,281 | ▲ 6.1% |
| Advances received on contracts in progress46 | - | €1,671 | €327 | €3,798 | - | - |
| Taxes, remuneration and social security45 | - | €12,036 | €7,994 | €15,390 | €17,147 | ▲ 11.4% |
| Taxes450/3 | - | €39 | - | €417 | €658 | ▲ 57.7% |
| Remuneration and social security454/9 | - | €11,997 | €7,994 | €14,973 | €16,489 | ▲ 10.1% |
| Other amounts payable47/48 | - | €6,944 | €6,725 | €6,684 | €196 | ▼ 97.1% |
| Accrued charges and deferred income492/3 | - | - | - | €831 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,995 | -€14,045 | -€2,524 | €17,960 | €11,191 | ▼ 37.7% |
| + Depreciation and write-downs630 | €30,140 | €32,417 | €20,466 | €8,683 | €3,376 | ▼ 61.1% |
| Operating cash flow (approximation) | €34,134 | €18,372 | €17,942 | €26,643 | €14,566 | ▼ 45.3% |
| Investment in fixed assets (approximation) | - | €0 | -€8,355 | €0 | €0 | - |
| Change in cash | - | -€16,403 | -€3,373 | €17,091 | €13,879 | ▼ 18.8% |
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
2025
29-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
18-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Back to profitnet €17,960
Net result €17,960 after 2 loss-making years.
09-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
26-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Weakest financial yearnet -€14,045
Net result drops to -€14,045, the lowest in the series; recovery starts the following year.
2021
17-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
13-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
31-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
29-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
25-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Zoersel · 1 establishment unit since 2003
Ground area
353 m²
Building footprint
190 m²
Volume, LiDAR
898 m³
Parcel 11453I0171/00R005, Flanders · tallest building 10.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Handelslei 178, 2980 Zoersel
since 20032.126.260.586
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11453I0171/00R005 | Flanders | 353 m² | 1 · 190 m² | 10.5 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 458 EUR awarded · 458 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 176 EUR | 176 EUR |
| 2023 | 1 | 147 EUR | 147 EUR |
| 2022 | 1 | 135 EUR | 135 EUR |
Recognitions · licences · registrations
Food safety, FASFC
1 siteZoersel2.126.260.586
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Of 2,474 companies in sector 47279 we hold annual accounts for 949. 786 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 (pre-2019)
Founded17-02-2003
Fiscal year end30-06
Activities, NACEBEL 2025
47279Other retail sale of food
E-invoicing
Reachable via Peppol
Peppol ID
0208:0479565921
Also
9925:BE0479565921
Registered
03-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.