APPHIA AUTO FULL SERVICES
ActiveThe computed 12-month bankruptcy probability of APPHIA AUTO FULL SERVICES is 5.6% (elevated). The 2025 annual accounts show negative equity (€-3k) and a net result of €5k. Equity is growing by ~31.1% per year across the filed fiscal years. Its solvency ranks better than 18% of 469 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
35
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+8
Solvency17▲+8
Growth58=
Track record100
Bankruptcy probability, 12 months
5.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.6 against 0.59 in 2024; short-term debt: 86.8% and cash: 1.4% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+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 53
Relative position
BE, all sectors
reference
Sector 53
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-8%
Return on assets
11.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 469 sector peers (2025).
NBB · sector comparisonPosition among 469 sector peers
Solvency
better than 18%
← weakest
strongest →
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 05-05-2026, 87 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
87 d early
2024
37 d early
2023
49 d late
2022
38 d late
2021
3 d early
2020
11 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-3k▲ 59.6%
2024 · €-9k
2020: €2k
2021: €-19k
2022: €-15k
2023: €-12k
2024: €-9k
2020 → 2025
Total assets
€43k▼ 20.1%
2024 · €54k
2020: €9k
2021: €9k
2022: €19k
2023: €15k
2024: €54k
2020 → 2025
Net result
€5k▲ 64.5%
2024 · €3k
2020: €406
2021: €-20k
2022: €4k
2023: €3k
2024: €3k
2020 → 2025
Working capital
€-15k▲ 25.5%
2024 · €-20k
2020: €-1k
2021: €-25k
2022: €-30k
2023: €-23k
2024: €-20k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-19k-€-15k▲ 19.2%€-12k▲ 21.2%€-9k▲ 26.6%€-3k▲ 59.6%
Operating result€-26k-€5k€3k▼ 23.1%€4k▲ 21.7%€7k▲ 53.9%
Net result€-20k-€4k€3k▼ 10.6%€3k▼ 1.4%€5k▲ 64.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 54% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €43k
Fixed assets
€21k▼ 16.8%
Current assets
€23k▼ 23.0%
Key figures and ratios
EBITDA
€11k▲
2024 · €7k
Cash flow
€9k▲
2024 · €6k
Solvency
-8.0%▲
2024 · -15.9%
Current ratio
0.60▲
2024 · 0.59
Quick ratio
0.60▲
2024 · 0.59
Debt / equity
-13.43▼
2024 · -7.28
ROA
11.9%▲
2024 · 5.8%
Interest coverage
9.46▲
2024 · 6.31
Debt
€47k▼
2024 · €63k
Debt ≤ 1 year
€38k▼
2024 · €50k
Debt > 1 year
€9k▼
2024 · €13k
Income taxes
€220▲
2024 · €92
Staff costs
€62k▼
2024 · €78k
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€54k€43k▼
Fixed assets21/28€25k€21k▼
Tangible fixed assets22/27€18k€14k▼
Furniture and vehicles24€18k€14k▼
Financial fixed assets28€7k€7k=
Current assets29/58€29k€23k▼
Amounts receivable within one year40/41€25k€20k▼
Trade receivables40€24k€20k▼
Other amounts receivable41€286€380▲
Cash at bank and in hand54/58€348€615▲
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€54k€43k▼
Equity10/15€-9k€-3k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€-10k€-5k▲
Amounts payable17/49€63k€47k▼
Amounts payable after more than one year17€13k€9k▼
Financial debts170/4€13k€9k▼
Amounts payable within one year42/48€50k€38k▼
Current portion of amounts payable after more than one year42€4k€4k▲
Trade debts44€6k€9k▲
Suppliers440/4€6k€9k▲
Taxes, remuneration and social security45€35k€25k▼
Taxes450/3€10k€11k▲
Remuneration and social security454/9€25k€14k▼
Other amounts payable47/48€5k€61▼
Income statement
Code20242025
Remuneration, social security and pensions62€78k€62k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€199€989▲
Non-recurring operating charges66A€3k€0▼
Gross operating margin9900€89k€74k▼
Operating profit (loss)9901€4k€7k▲
Financial income75/76B€110€0▼
Recurring financial income75€110€0▼
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€3k€5k▲
Income taxes67/77€92€220▲
Profit (loss) for the period9904€3k€5k▲
Profit (loss) for the period to be appropriated9905€3k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€-5k▲
Profit (loss) brought forward from the previous period14P€-13k€-10k▲
The notes to these accounts (8 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
05-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €5k ▲64.5%
Operating result €7k, net result €5k, both a record.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 49 days late
2023
07-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 38 days late
2022
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-20k ▼5115%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Colfontaine · 1 establishment unit since 2020
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue Arthur Descamps 2007340 ColfontaineGround area
1,046 m²
Building footprint
88 m²
Volume, LiDAR
650 m³
Parcel 53064B1003/00A000, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
APPHIA AUTO FULL SERVICES
since 20202.307.316.630
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53064B1003/00A000 | Wallonia | 1,046 m² | 1 · 88 m² | 8.4 m · 2 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 428 companies in sector 53100 we hold annual accounts for 126. 30 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-03-2020
Fiscal year end31-12
Trade name FR
APPHIA DISTRIBUTION
Activities, NACEBEL
53100Postal and courier activities
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.