ALFINCO
ActiveSummary
ALFINCO has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €582k and a net result of €68k. Equity is growing by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+1
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 24.73 against 25.14 in 2024; short-term debt: 3.4% and cash: 9.9% of total assets), and 3.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
96.6%
Return on assets
11.2%
Age of the figures
9 mo
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
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
31 d early
2023
30 d late
2022
34 d early
2021
11 d early
2020
43 d early
2019
34 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€582k▲ 2.4%
2024 · €569k
2018: €368k
2019: €421k
2020: €493k
2021: €410k
2022: €476k
2023: €570k
2024: €569k
2018 → 2025
Total assets
€603k▲ 2.7%
2024 · €586k
2018: €444k
2019: €427k
2020: €559k
2021: €434k
2022: €533k
2023: €645k
2024: €586k
2018 → 2025
Net result
€68k▲ 5.8%
2024 · €64k
2018: €66k
2019: €54k
2020: €71k
2021: €72k
2022: €87k
2023: €137k
2024: €64k
2018 → 2025
Working capital
€481k▲ 13.2%
2024 · €424k
2018: €173k
2019: €244k
2020: €333k
2021: €219k
2022: €272k
2023: €391k
2024: €424k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€410k-€476k▲ 16.1%€570k▲ 19.8%€569k▼ 0.3%€582k▲ 2.4%
Operating result€99k-€121k▲ 23.0%€190k▲ 56.6%€79k▼ 58.4%€89k▲ 11.9%
Net result€72k-€87k▲ 20.6%€137k▲ 57.6%€64k▼ 53.4%€68k▲ 5.8%
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 12% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €603k
Fixed assets
€102k ▼ 29.6%
Current assets
€501k ▲ 13.3%
Equity and liabilities €603k
Equity
€582k ▲ 2.4%
Debt
€20k ▲ 15.2%
Debt's share of the balance-sheet total rises from 3.0% to 3.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€120k▲
2024 · €115k
Cash flow
€99k▼
2024 · €100k
Current ratio
24.73▼
2024 · 25.14
Debt to equity
0.03▲
2024 · 0.03
ROE
11.6%▲
2024 · 11.2%
ROA
11.2%▲
2024 · 10.9%
Interest coverage
748.51▼
2024 · 853.66
Debt ≤ 1 year
€20k▲
2024 · €18k
Income taxes
€26k▲
2024 · €24k
Staff costs
€27k▲
2024 · €26k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€586k€603k▲
Fixed assets21/28€144k€102k▼
Tangible fixed assets22/27€144k€102k▼
Land and buildings22€105k€87k▼
Plant, machinery and equipment23€11k€8k▼
Furniture and vehicles24€28k€7k▼
Current assets29/58€442k€501k▲
Amounts receivable within one year40/41€3k€37k▲
Trade receivables40€0€20k▲
Other amounts receivable41€3k€17k▲
Current investments50/53€390k€400k▲
Cash at bank and in hand54/58€47k€60k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€586k€603k▲
Equity10/15€569k€582k▲
Contributions10/11€19k€19k=
Reserves13€487k€500k▲
Distributable reserves133€487k€500k▲
Profit (loss) carried forward14€63k€63k=
Amounts payable17/49€18k€20k▲
Amounts payable within one year42/48€18k€20k▲
Financial debts43-€277
Credit institutions430/8-€277
Trade debts44€875€2k▲
Suppliers440/4€875€2k▲
Taxes, remuneration and social security45€17k€17k▲
Taxes450/3€14k€14k▲
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€0€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€26k€27k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€31k▼
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€0€2k▲
Gross operating margin9900€143k€150k▲
Operating profit (loss)9901€79k€89k▲
Financial income75/76B€9k€5k▼
Recurring financial income75€9k€5k▼
Financial charges65/66B€135€160▲
Recurring financial charges65€135€160▲
Profit (loss) for the period before taxes9903€88k€93k▲
Income taxes67/77€24k€26k▲
Profit (loss) for the period9904€64k€68k▲
Profit (loss) for the period to be appropriated9905€64k€68k▲
Appropriation of the result
Profit (loss) to be appropriated9906€127k€131k▲
Profit (loss) brought forward from the previous period14P€63k€63k=
Transfer from equity791/2€65k€54k▼
Transfer to equity691/2€64k€68k▲
To the legal reserve6920€64k€68k▲
To other reserves6921€0-
Profit to be distributed694/7€65k€54k▼
Return on contributions (dividend)694€65k€54k▼
The notes to these accounts (6 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 25.14
Current ratio from 6.22 to 25.14; short-term debt falls from €75k to €18k.
16-12
State Gazette act
Board meeting · Director resignation
Director appointment · Permanent representative
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €137k ▲57.6%
Operating result €190k, net result €137k, both a record.
31-12
Financial
Equity above €500kEq €570k ▲19.8%
6 profitable years in a row build equity to €570k.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-10
State Gazette act
Board meeting · Power of attorney
Director appointment · Permanent representative
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
Show earlier events
2019
31-12
Financial
Weakest financial yearnet €54k ▼18.5%
Net result drops to €54k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 13current ratio 42.67
Current ratio from 3.27 to 42.67; short-term debt falls from €76k to €6k.
23-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 54 days late
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
02-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 2 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
4 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, Lennik · 1 establishment unit since 2008
Ground area
1,601 m²
Building footprint
153 m²
Volume, LiDAR
646 m³
Parcel 23072G0001/00H000, Flanders · tallest building 7.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ALFINCO
since 20082.230.010.895
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23072G0001/00H000 | Flanders | 1,601 m² | 1 · 153 m² | 7.7 m · 1 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
Connections & network
1 connected companyLinked via shared directors
Shared director
→
Similar companies · same sector, comparable size
DELDEV
BE 0733.586.353
Aartselaar · Eq €582,310
DEVEBE
BE 0464.987.316
Haacht · Eq €582,312
EMAC Belgium
BE 0849.020.907
Charleroi · Eq €582,196
SNOWBALL
BE 0780.427.950
Ukkel · Eq €582,157
Canivet Binche
BE 0734.823.104
Soignies · Eq €582,486
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 33,373 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-01-2008
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.