Equity
€158,203 ▲ 3.3%
AVF has made a profit without a break since 2016.
AVF
Lifetime
12 annual accounts with figures on one time axispeak €95,370 (2023)
€42,586▼ 22.6%
lowest -€2,720 (2015)
€5,027▼ 60.7%
peak €158,203 (2025)
€158,203▲ 3.3%
€56,232▼ 26.2%
Board1 name since 2013
-
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Gross margin from €55,035 to €42,586Result from €12,786 to €5,027Debts from €76,171 to €56,232
Key points
from the 2025 annual accountsChecked score
90
Excellent
Financially stronger than 56% of micro companies in office administrative support (NACE 82)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 12,672 companies (NACE 82, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.4%● unchanged vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.4%● unchanged vs 06-2025
08-2025: 0.5%▲ +0.1 percentage points vs 07-2025
09-2025: 0.6%▲ +0.1 percentage points vs 08-2025highest value
10-2025: 0.1%▼ -0.5 percentage points vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026lowest value
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.3%▲ +0.2 percentage points vs 07-2026
09-2026: 0.2%▼ -0.1 percentage points vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 31 days late; 2 of the last 3 accounts late
lowers risk
Liquidity: current ratio 4.19, cash €40,860
Sector: Office administrative, office support and other business support activities (NACE 82)
Equity €158,203 (73.8% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, micro). It does better than 74% of them on solvency, 63% on liquidity, 41% on profitability and 47% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 10,904 companies had the same profile as AVF has now. Each dot stands for 28 companies, two years later.
95.1%
were still trading
4.0%
stopped another way
0.7%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of AVF itself: 0.2% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 10,904 companies, not a prediction for AVF. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €14,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.19 (3.03 in 2024), above the usual 1.5. Short-term debt is 18.6% and cash 19.1% of total assets. 26.2% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
31 days late
2024
29 days late
2023
31 days late
2022
28 days late
2021
33 days early
2020
54 days early
2019
19 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 7 days after the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0540939207
Change of role: AELST, Virginie Guy Monique, from manager to director
Director discharge: AELST, Virginie Guy Monique · General meeting of 08-07-2020 · Gazette deed
Registered office moved from Waterloo to Ohain
New registered office: 21 chemin du Bois Magonette, 1380 Ohain · Previous registered office: avenue des Nations-Unies 1, 1410 Waterloo · General meeting of 30-09-2017 · Gazette deed
Incorporation
published on 22-10-2013 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| AVF Lasne | €214,435 | €42,586 | 73.8% | - |
| ARTEGRAPH Berchem-Sainte-Agathe | €212,802 | €41,448 | 34.0% | 1.9 |
| Administration Services Europe Sint-Truiden | €206,137 | €48,539 | 77.2% | - |
| B.M.F.L. Chaudfontaine | €212,477 | €45,610 | 78.5% | - |
| GREEN BIRD Kortenberg | €238,153 | €38,503 | 42.0% | - |
| ALTERNADYVE Overijse | €189,008 | €35,404 | 50.1% | - |
| MAMBO Antwerp | €184,131 | €39,769 | 43.5% | - |
These companies have the same main activity as AVF: office administrative and support services (NACE 82100). They are comparable in size and age: total assets between €184,000 and €238,000, founded between 2011 and 2015.
Official details
Source: KBO- Status
- Active since 18-10-2013Normal situation
- Activity
- Office administrative and support servicesNACE 82100and 2 others
- Establishment unit
- 2.223.932.1631380 Lasne, since 18-10-2013
- Financial year end
- 31 December
- Peppol
- Reachable since 31-12-2025
Insights on AVF
AVF files the micro format. That format states no turnover. The gross margin rose from €38,718 in 2014 to €42,586 in 2025.
The balance sheet grew most from 2020 to 2022 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about AVF
- What is the company number of AVF?
- The company number of AVF is 0540.939.207. The VAT number is the same number with BE in front: BE 0540.939.207.
- Where is AVF based?
- The registered office is at Chemin du Bois Magonette 21, 1380 Lasne.Company details
- What does AVF do?
- According to the KBO register, the main activity is office administrative and support services (NACE 82100).
- What is the legal form of AVF?
- AVF is a private limited company (BV).
- When was AVF founded?
- AVF was founded on 18-10-2013.
- Is AVF still active?
- Yes, AVF is an active enterprise in the KBO register.
- What is the turnover of AVF?
- The turnover in financial year 2025 is ≈ €85,000. This figure is estimated from the gross margin of €42,586 and 38 comparable companies (NACE 82100). It probably lies between €67,000 and €130,000.Financials
- Is AVF profitable?
- In financial year 2025, AVF made a profit of €5,027.
- Where can I find the annual accounts of AVF?
- AVF filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of AVF due?
- AVF must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.