AFP pro
ActiveAFP pro has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €140k. Equity is shrinking by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 18% of 7031 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency34▼-2
Growth58=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.0 against 1.06 in 2024; short-term debt: 91.1% and cash: 26.5% of total assets), and 91.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
8.9%
Return on assets
34.3%
Age of the figures
9 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 7031 sector peers (2025).
NBB · sector comparisonPosition among 7031 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Filed after the deadline
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. 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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
on the day
2023
30 d late
2022
28 d late
2021
89 d late
2020
17 d late
2019
5 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€140k▲ 58.4%
2024 · €89k
2019: €57k
2020: €16k
2021: €35k
2022: €-65k
2023: €52k
2024: €89k
2019 → 2025
Working capital
€48▼ 99.7%
2024 · €17k
2019: €56k
2020: €58k
2021: €87k
2022: €57k
2023: €29k
2024: €17k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€114k-€50k▼ 56.6%€36k▼ 26.5%€36k=€36k=
Operating result€45k-€-67k€74k€127k▲ 72.5%€180k▲ 41.6%
Net result€35k-€-65k€52k€89k▲ 71.2%€140k▲ 58.4%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 42% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €409k
Fixed assets
€36k▲ 3.8%
Current assets
€373k▲ 27.7%
Equity and liabilities €409k
Equity
€36k=
Debt
€373k▲ 28.3%
The debt ratio rises from 88.8% to 91.1%. Debt is higher.
Key figures and ratios
EBITDA
€191k▲
2024 · €140k
Cash flow
€151k▲
2024 · €101k
Solvency
8.9%▼
2024 · 11.2%
Current ratio
1.00▼
2024 · 1.06
Quick ratio
1.00▼
2024 · 1.06
Debt / equity
10.21▲
2024 · 7.96
ROE
384.6%▲
2024 · 242.8%
ROA
34.3%▲
2024 · 27.1%
Interest coverage
30.09▲
2024 · 13.36
Debt
€373k▲
2024 · €290k
Debt ≤ 1 year
€373k▲
2024 · €275k
Income taxes
€44k▲
2024 · €39k
Staff costs
€272▼
2024 · €16k
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€327k€409k▲
Fixed assets21/28€35k€36k▲
Intangible fixed assets21€7k€6k▼
Tangible fixed assets22/27€28k€30k▲
Plant, machinery and equipment23€97-
Furniture and vehicles24€17k€23k▲
Other tangible fixed assets26€8k€8k▼
Assets under construction and advance payments27€3k-
Current assets29/58€292k€373k▲
Amounts receivable within one year40/41€267k€256k▼
Trade receivables40€68k€60k▼
Other amounts receivable41€199k€197k▼
Cash at bank and in hand54/58€19k€109k▲
Deferred charges and accrued income490/1€6k€8k▲
Equity and liabilities
Total equity and liabilities10/49€327k€409k▲
Equity10/15€36k€36k=
Contributions10/11€19k€19k=
Reserves13€18k€18k=
Distributable reserves133€18k€18k=
Amounts payable17/49€290k€373k▲
Amounts payable after more than one year17€15k-
Financial debts170/4€15k-
Amounts payable within one year42/48€275k€373k▲
Current portion of amounts payable after more than one year42€20k€15k▼
Financial debts43€43k€45k▲
Credit institutions430/8€43k€45k▲
Trade debts44€68k€104k▲
Suppliers440/4€68k€104k▲
Taxes, remuneration and social security45€55k€68k▲
Taxes450/3€55k€68k▲
Other amounts payable47/48€89k€141k▲
Accrued charges and deferred income492/3€125-
Income statement
Code20242025
Remuneration, social security and pensions62€16k€272▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€10k▼
Other operating charges640/8€26k€6k▼
Gross operating margin9900€181k€196k▲
Operating profit (loss)9901€127k€180k▲
Financial income75/76B€11k€11k▲
Recurring financial income75€11k€11k▲
Financial charges65/66B€10k€6k▼
Recurring financial charges65€10k€6k▼
Profit (loss) for the period before taxes9903€128k€185k▲
Income taxes67/77€39k€44k▲
Profit (loss) for the period9904€89k€140k▲
Profit (loss) for the period to be appropriated9905€89k€140k▲
Appropriation of the result
Profit (loss) to be appropriated9906€89k€140k▲
Profit to be distributed694/7€89k€140k▲
Return on contributions (dividend)694€89k€140k▲
Social balance
Average headcount (FTE)90871.2-
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2019net €140k ▲58.4%
Operating result €180k, net result €140k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial
Back to profitnet €52k
Net result €52k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Weakest financial yearnet €-65k ▼285%
Net result drops to €-65k, the lowest in the series; recovery starts the following year.
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 89 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 3.65
Current ratio from 1.50 to 3.65; short-term debt falls from €116k to €33k.
31-12
Financial
Equity above €100kEq €114k ▲44.1%
3 profitable years in a row build equity to €114k.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
05-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Limbourg · 1 establishment unit since 2018
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.
Hèvremont (Village) 1074830 LimbourgGround area
648 m²
Building footprint
139 m²
Volume, LiDAR
663 m³
Parcel 63046B0320/00A000, Wallonia · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AFP Pro Management SPRL
since 20182.279.386.370
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63046B0320/00A000 | Wallonia | 648 m² | 1 · 139 m² | 7.1 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.
Similar companies · same sector, comparable size
SUZAR MANAGEMENT
BE 0751.969.239
Sprimont · Eq €36k
YOUMEN
BE 0635.612.987
Antwerpen · Eq €36k
DIZZA COMMUNICATION
BE 0518.911.495
Ukkel · Eq €36k
INCO
BE 0832.112.916
Meise · Eq €36k
THB BELGIUM
BE 0677.505.804
Awans · Eq €36k
Of 13,422 companies in sector 73300 we hold annual accounts for 6,901. 5,309 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-09-2018
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
73110Advertising agencies
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.