GROEP ABFK
ActiveGROEP ABFK has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.42M and a net result of €-32k. Equity is growing by ~27.6% per year across the filed fiscal years. Its solvency ranks better than 74% of 2269 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability43▲+9
Solvency96▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €170k at 30 days acceptable
Liquidity ample (current ratio 7.6 against 2.41 in 2024; short-term debt: 4.1% and cash: 4.2% of total assets), and 29.2% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
70.8%
Return on assets
-0.9%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
75 d early
2022
157 d early
2021
110 d early
2020
51 d early
2019
58 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.42M▼ 1.3%
2024 · €2.45M
2018: €588k
2019: €622k
2020: €623k
2021: €1.16M
2022: €1.38M
2023: €2.47M
2024: €2.45M
2018 → 2025
Total assets
€3.42M▼ 6.4%
2024 · €3.66M
2018: €2.88M
2019: €2.75M
2020: €2.60M
2021: €3.70M
2022: €3.44M
2023: €3.64M
2024: €3.66M
2018 → 2025
Net result
€-32k▼ 78.3%
2024 · €-18k
2018: €16k
2019: €34k
2020: €675
2021: €116k
2022: €218k
2023: €1.34M
2024: €-18k
2018 → 2025
Working capital
€922k▲ 168%
2024 · €344k
2018: €-26k
2019: €-43k
2020: €-74k
2021: €-242k
2022: €-234k
2023: €511k
2024: €344k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.16M-€1.38M▲ 18.7%€2.47M▲ 78.9%€2.45M▼ 0.7%€2.42M▼ 1.3%
Operating result€196k-€181k▼ 7.9%€132k▼ 26.9%€-50k€-12k▲ 76.8%
Net result€116k-€218k▲ 88.4%€1.34M▲ 515%€-18k€-32k▼ 78.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €12k in 2025 against €50k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.42M
Fixed assets
€2.36M▼ 23.1%
Current assets
€1.06M▲ 80.5%
Equity and liabilities €3.42M
Equity
€2.42M▼ 1.3%
Debt
€1.00M▼ 16.8%
The debt ratio falls from 32.9% to 29.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€126k▲
2024 · €82k
Cash flow
€105k▼
2024 · €113k
Solvency
70.8%▲
2024 · 67.1%
Current ratio
7.60▲
2024 · 2.41
Quick ratio
7.44▲
2024 · 2.33
Debt / equity
0.41▼
2024 · 0.49
ROE
-1.3%▼
2024 · -0.7%
ROA
-0.9%▼
2024 · -0.5%
Interest coverage
3.01▲
2024 · 1.94
Debt
€1.00M▼
2024 · €1.20M
Debt ≤ 1 year
€140k▼
2024 · €244k
Debt > 1 year
€860k▼
2024 · €944k
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€3.66M€3.42M▼
Fixed assets21/28€3.07M€2.36M▼
Tangible fixed assets22/27€1.74M€1.68M▼
Land and buildings22€1.71M€1.68M▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€21k-
Financial fixed assets28€1.33M€677k▼
Current assets29/58€588k€1.06M▲
Amounts receivable after more than one year29€403k€706k▲
Other amounts receivable291€403k€706k▲
Stocks and contracts in progress3€18k€22k▲
Stocks30/36€18k€22k▲
Amounts receivable within one year40/41€87k€120k▲
Trade receivables40€43k€33k▼
Other amounts receivable41€44k€87k▲
Cash at bank and in hand54/58€22k€145k▲
Deferred charges and accrued income490/1€58k€68k▲
Equity and liabilities
Total equity and liabilities10/49€3.66M€3.42M▼
Equity10/15€2.45M€2.42M▼
Contributions10/11€245k€245k=
Reserves13€549k€549k=
Distributable reserves133€549k€549k=
Profit (loss) carried forward14€1.66M€1.63M▼
Amounts payable17/49€1.20M€1.00M▼
Amounts payable after more than one year17€944k€860k▼
Financial debts170/4€944k€860k▼
Amounts payable within one year42/48€244k€140k▼
Current portion of amounts payable after more than one year42€167k€121k▼
Financial debts43€60k-
Credit institutions430/8€60k-
Trade debts44€14k€16k▲
Suppliers440/4€14k€16k▲
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€2k▼
Accrued charges and deferred income492/3€14k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€131k€138k▲
Other operating charges640/8€7k€14k▲
Gross operating margin9900€89k€141k▲
Operating profit (loss)9901€-50k€-12k▲
Financial income75/76B€77k€58k▼
Recurring financial income75€77k€20k▼
Non-recurring financial income76B-€38k
Financial charges65/66B€42k€79k▲
Recurring financial charges65€42k€42k▼
Non-recurring financial charges66B-€37k
Profit (loss) for the period before taxes9903€-15k€-32k▼
Income taxes67/77€3k-
Profit (loss) for the period9904€-18k€-32k▼
Profit (loss) for the period to be appropriated9905€-18k€-32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.66M€1.63M▼
Profit (loss) brought forward from the previous period14P€1.68M€1.66M▼
The notes to these accounts (22 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
19-03
State Gazette act
RestructuringMerger · Accounting effect · Corporate purpose11 facts ▸
State Gazette act
Restructuring
Merger · Accounting effect · Corporate purpose11 facts ▸
- Merger, met fusie door overneming gelijkgestelde verrichting waarbij het gehele vermogen van de BV JEE3 ... op de BV Groep ABFK overgaat, zonder uitgifte van nieuwe aan…
- Accounting effect, 01/01/2026
- Corporate purpose, Holdingactiviteiten; Managementvennootschap; Uitoefenen van mandaten als zaakvoerder, bestuurder, afgevaardigd bestuurder; Verlenen van kredieten aan andere ven…
- Corporate purpose, De vennootschap heeft tot voorwerp, in België en in het buitenland, in eigen naam en voor eigen rekening: het verlenen van bijstand, advies en leiding aan bedri…
- Shares, 245 aandelen, zonder nominale waarde
- Shares, 500 aandelen, zonder nominale waarde
- Shareholder, JEE3
- Fiscal year, 1 oktober - 30 september
- Fiscal year, 1 januari - 31 december
- Notary, Vermeulen, Mellaerts & Maussen te Beringen
- Fiscal regime, fiscaal vrijstellingsregime (art. 211 WIB) en vast registratierecht van € 50,00
2025
30-09
Financial
Weakest financial yearnet €-32k
Net result drops to €-32k, the lowest in the series.
30-09
Financial
Liquidity triplescurrent ratio 7.60
Current ratio from 2.41 to 7.60; short-term debt falls from €244k to €140k.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
15-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Highest result since 2018net €1.34M ▲515%
Net result €1.34M, the highest in the series.
30-09
Financial
Liquidity times 11current ratio 2.75
Current ratio from 0.25 to 2.75; short-term debt falls from €310k to €292k.
30-09
Financial
Equity above €2MEq €2.47M ▲78.9%
6 profitable years in a row build equity to €2.47M.
2022
24-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
10-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Equity above €1MEq €1.16M ▲86.9%
4 profitable years in a row build equity to €1.16M.
10-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
03-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
26-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
14-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
30-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2020
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
31-12-2020
Resigned as Director
Location & real-estate footprint
Registered office, Beringen · 1 establishment unit since 2010
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.
Hazerikstraat 193582 BeringenGround area
1,562 m²
Building footprint
338 m²
Volume, LiDAR
2,136 m³
Parcel 71029A0438/00C000, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Groep ABFK
since 20102.189.669.882
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71029A0438/00C000 | Flanders | 1,562 m² | 1 · 338 m² | 10.6 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.
Structure & network
Acquisitions and mergers
1 transactionTook over:JEE3
Recognitions · licences · registrations
Legal Entity Identifier
984500F5B3774B2DBD69
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Of 24,501 companies in sector 82990 we hold annual accounts for 9,402. 2,901 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-06-2010
Fiscal year end30-09
Legal name NL
MELONTIKOS
Activities, NACEBEL
82990Other business support services
64200Holdings
64210Activities of holding companies
77330Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.