Equity
€299,210 ▲ 14.7%
AFS-CARE has made a profit without a break since 2016.
AFS-CARE
Lifetime
14 annual accounts with figures on one time axispeak €382,181 (2024)
€359,920▼ 5.8%
lowest -€53,863 (2012)
€38,279▼ 26.0%
peak €299,210 (2025)
€299,210▲ 14.7%
€648,931▼ 21.8%
peak 4.3 FTE (2014)
-not published
Board1 name since 2021
1 directorFox Davy
Owners
33.38%FULKO
Documentsfilings and deeds
12-05-202680 days before the deadline
2025micro format
Result from €51,722 to €38,279Board meeting · Registered-office move 25-03General meeting · Other provision 19-03Board meeting · Registered-office move 18-03General meeting · Director resignation 11-03Equity from €260,931 to €299,210
Key points
from the 2025 annual accountsTurnover
≈ €630,000 estimated
The micro format states no turnover.
Staff
6 employees on 31-12-2025
In 2025, 1 person joined and 1 left.
Filings
14 annual accounts since 2012
The last five annual accounts were filed 32 to 87 days before the end of the period.
At the same address
5 companies
Position in the sector
€359,920
Higher gross margin than 93% of companies in legal and accounting. Sector median €72,294 · 15,818 companies.
Checked score
92
Excellent
Financially stronger than 33% of micro companies in legal and accounting (NACE 69)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 20,101 companies (NACE 69, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%lowest value
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025highest value
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged 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 03-2026
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: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Liquidity: current ratio 1.26, cash €77,725, halved
lowers risk
Size: total assets €948,141
Sector: Legal and accounting activities (NACE 69)
Figures for financial year 2025 (filed on 12-05-2026)
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 69, micro). It does better than 31% of them on solvency, 23% on liquidity, 17% on profitability and 60% on growth.
The bankruptcy probability was computed on 06-11-2026 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 AFS-CARE has now. Each dot stands for 28 companies, two years later.
95.2%
were still trading
4.0%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of AFS-CARE itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 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 AFS-CARE. 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 €25,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.26 (1.14 in 2024), below the usual 1.5. Short-term debt is 30.3% and cash 8.2% of total assets. 68.4% 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 riskneutral
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 12-05-2026, 80 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
80 days early
2024
51 days early
2023
32 days early
2022
87 days early
2021
33 days early
2020
8 days early
2019
129 days early
← 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 60 days before the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% 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 10 June (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
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0837355468
Board meeting · Registered-office move
Gazette deed
General meeting · Other provision
Gazette deed
Board meeting · Registered-office move
Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| AFS-CARE Lummen | €948,141 | €359,920 | 31.6% | - |
| Wauthier Consulting Ghent | €965,410 | €379,310 | 64.0% | - |
| VAN GESTEL ACCOUNTANCY & TAX Merksplas | €891,842 | €321,285 | 91.4% | - |
| Ceulemans - Wens Edegem | €910,432 | €367,605 | 38.1% | - |
| BT BEHEER Brakel | €944,320 | €322,642 | 84.6% | - |
| CFP CONSULTING Woluwe-Saint-Lambert | €941,806 | €330,840 | 68.3% | - |
| FinCraft Lier | €913,589 | €337,670 | 18.5% | 2.3 |
These companies have the same main activity as AFS-CARE: certified accountants and tax accountants (NACE 69201). They are comparable in size and age: total assets between €892,000 and €965,000, founded between 2009 and 2013.
Official details
Source: KBO- Status
- Active since 28-06-2011Normal situation
- Activity
- Certified accountants and tax accountantsNACE 69201
- Establishment units
- 2.200.159.5423511 Hasselt, since 28-06-2011
- 2.232.652.3643560 Lummen, since 01-07-2014
- Financial year end
- 31 December
- Peppol
- Reachable since 27-05-2025
Annual accounts 2025
- €948,141▼ 13.1%
- Employeeson 31-12-2025
- 6=
- Filing
- Filed on 12-05-2026, 80 days before the end of the filing period
Insights on AFS-CARE
AFS-CARE files the micro format. That format states no turnover. The gross margin rose from -€12,690 in 2012 to €359,920 in 2025.
The balance sheet grew most from 2013 to 2014 through fixed assets, financed with long-term debt.
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 AFS-CARE
- What is the company number of AFS-CARE?
- The company number of AFS-CARE is 0837.355.468. The VAT number is the same number with BE in front: BE 0837.355.468.
- Where is AFS-CARE based?
- The registered office is at Groenstraat 40, 3560 Lummen.Company details
- What does AFS-CARE do?
- According to the KBO register, the main activity is certified accountants and tax accountants (NACE 69201).
- What is the legal form of AFS-CARE?
- AFS-CARE is a private limited company (BV).
- When was AFS-CARE founded?
- AFS-CARE was founded on 28-06-2011.
- Is AFS-CARE still active?
- Yes, AFS-CARE is an active enterprise in the KBO register.
- How many employees does AFS-CARE have?
- AFS-CARE had an average of 4.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of AFS-CARE?
- The turnover in financial year 2025 is ≈ €630,000. This figure is estimated from the gross margin of €359,920 and 34 comparable companies (NACE 69201). It probably lies between €540,000 and €750,000.
- Is AFS-CARE profitable?
- In financial year 2025, AFS-CARE made a profit of €38,279.
- Where can I find the annual accounts of AFS-CARE?
- AFS-CARE filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of AFS-CARE due?
- AFS-CARE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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