Asfra Fietsen
ActiveThe computed 12-month bankruptcy probability of Asfra Fietsen is 1.6% (moderate). The 2025 annual accounts show equity of €169k and a net result of €54k. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 57% of 18237 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+59
Solvency68▲+6
Growth52=
Track record94
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.7 against 1.57 in 2024; short-term debt: 57.3% and cash: 36% of total assets), but 57.3% 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 · 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 · 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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
42.7%
Return on assets
13.6%
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 25-08-2026, 25 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 · 4 filingsDeviation from the deadline
2025
25 d late
2024
61 d late
2023
31 d late
2022
100 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€169k▲ 46.5%
2024 · €116k
2022: €111k
2023: €117k
2024: €116k
2022 → 2025
Total assets
€396k▲ 26.4%
2024 · €313k
2022: €303k
2023: €321k
2024: €313k
2022 → 2025
Net result
€54k
2024 · €-2k
2022: €106k
2023: €6k
2024: €-2k
2022 → 2025
Working capital
€159k▲ 40.0%
2024 · €114k
2022: €140k
2023: €117k
2024: €114k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€111k-€117k▲ 5.6%€116k▼ 1.5%€169k▲ 46.5%
Operating result€138k-€18k▼ 87.0%€10k▼ 42.3%€79k▲ 662%
Net result€106k-€6k▼ 94.2%€-2k€54k
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 662% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €396k
Fixed assets
€10k▲ 435%
Current assets
€386k▲ 23.9%
Equity and liabilities €396k
Equity
€169k▲ 46.5%
Debt
€227k▲ 14.7%
The debt ratio falls from 63.1% to 57.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€81k▲
2024 · €11k
Cash flow
€55k▲
2024 · €-1k
Solvency
42.7%▲
2024 · 36.9%
Current ratio
1.70▲
2024 · 1.57
Quick ratio
0.72▲
2024 · 0.55
Debt / equity
1.34▼
2024 · 1.71
ROE
31.8%▲
2024 · -1.5%
ROA
13.6%▲
2024 · -0.6%
Interest coverage
8.27▲
2024 · 1.02
Debt
€227k▲
2024 · €198k
Debt ≤ 1 year
€227k▲
2024 · €198k
Income taxes
€16k▲
2024 · €2k
Staff costs
€37k▼
2024 · €39k
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€313k€396k▲
Fixed assets21/28€2k€10k▲
Tangible fixed assets22/27€2k€10k▲
Plant, machinery and equipment23€2k€10k▲
Current assets29/58€311k€386k▲
Stocks and contracts in progress3€202k€224k▲
Stocks30/36€202k€224k▲
Amounts receivable within one year40/41€5k€20k▲
Trade receivables40€5k€18k▲
Other amounts receivable41-€2k
Cash at bank and in hand54/58€97k€142k▲
Deferred charges and accrued income490/1€8k€205▼
Equity and liabilities
Total equity and liabilities10/49€313k€396k▲
Equity10/15€116k€169k▲
Contributions10/11€5k€5k=
Reserves13€111k€164k▲
Distributable reserves133€111k€164k▲
Amounts payable17/49€198k€227k▲
Amounts payable within one year42/48€198k€227k▲
Trade debts44€16k€14k▼
Suppliers440/4€16k€14k▼
Taxes, remuneration and social security45€53k€48k▼
Taxes450/3€48k€44k▼
Remuneration and social security454/9€5k€3k▼
Other amounts payable47/48€129k€165k▲
Income statement
Code20242025
Non-recurring operating income76A€935€2k▲
Remuneration, social security and pensions62€39k€37k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€628€2k▲
Other operating charges640/8€3k€1k▼
Non-recurring operating charges66A€181€0▼
Gross operating margin9900€53k€119k▲
Operating profit (loss)9901€10k€79k▲
Financial income75/76B€347€205▼
Recurring financial income75€347€205▼
Financial charges65/66B€11k€10k▼
Recurring financial charges65€11k€10k▼
Profit (loss) for the period before taxes9903€-62€69k▲
Income taxes67/77€2k€16k▲
Profit (loss) for the period9904€-2k€54k▲
Profit (loss) for the period to be appropriated9905€-2k€54k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€54k▲
Transfer from equity791/2€2k€0▼
Transfer to equity691/2€0€54k▲
To other reserves6921€0€54k▲
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Back to profitnet €54k
Net result €54k after one loss-making year.
31-12
Financial
Equity above €150kEq €169k ▲46.5%
Equity rises from €116k to €169k.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €-2k ▼128%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
08-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 100 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Oudenaarde · 1 establishment unit since 2021
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.
Bergstraat 759700 OudenaardeGround area
288 m²
Building footprint
279 m²
Volume, LiDAR
1,719 m³
Parcel 45035C0393/00B015, Flanders · tallest building 13.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Asfra Fietsen
since 20212.325.524.223
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45035C0393/00B015 | Flanders | 288 m² | 1 · 279 m² | 13.2 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Similar companies · same sector, comparable size
JOMI TRADING
BE 0889.893.539
Sint-Truiden · Eq €171k
BOLBIKES
BE 0795.942.507
Heusden-Zolder · Eq €167k
À BLOC
BE 0704.780.620
Beernem · Eq €167k
BIKELIFE
BE 0642.870.765
Beersel · Eq €173k
FD BIKES
BE 0829.543.109
Brecht · Eq €174k
Of 1,467 companies in sector 47632 we hold annual accounts for 733. 639 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-12-2021
Fiscal year end31-12
Activities, NACEBEL
47632Retail sale of bicycles
47785Retail trade
47120Other non-specialised retail sale
47910Retail trade
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.asfra.be
E-mail:info@asfra.be