Summary
ANFIMA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €23.19M and a net result of €-1.36M. Equity is shrinking by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 36% of 2394 sector peers (fiscal year 2025). The company has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €23.19M
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 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
71 d early
2023
76 d late
2022
56 d early
2021
62 d early
2020
47 d early
2019
57 d early
← 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, full schema
Equity
€23.19M▲ 660%
2024 · €3.05M
2018: €6.59M
2019: €6.59M
2020: €6.27M
2021: €5.51M
2022: €5.20M
2023: €4.13M
2024: €3.05M
2018 → 2025
Net result
€-1.36M▼ 25.9%
2024 · €-1.08M
2018: €409k
2019: €5k
2020: €129k
2021: €-760k
2022: €-309k
2023: €-1.07M
2024: €-1.08M
2018 → 2025
Total assets
€51.76M▲ 102%
2024 · €25.63M
2018: €16.60M
2019: €6.60M
2020: €6.74M
2021: €5.95M
2022: €5.96M
2023: €23.17M
2024: €25.63M
2018 → 2025
Solvency
44.8%▲ 32.9pp
2024 · 11.9%
2018: 39.7%
2019: 99.9%
2020: 93.1%
2021: 92.6%
2022: 87.3%
2023: 17.8%
2024: 11.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2k-€1k▼ 25.0%
Equity€5.51M-€5.20M▼ 5.6%€4.13M▼ 20.6%€3.05M▼ 26.1%€23.19M▲ 660%
Operating result€-7k-€-8k▼ 23.2%€-617k▼ 7,567%€-278k▲ 55.0%€-219k▲ 21.2%
Net result€-760k-€-309k▲ 59.3%€-1.07M▼ 246%€-1.08M▼ 1.0%€-1.36M▼ 25.9%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €219k in 2025 against €278k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €51.76M
Fixed assets
€50.05M ▲ 96.0%
Current assets
€1.71M ▲ 1,836%
Equity and liabilities €51.76M
Equity
€23.19M ▲ 660%
Debt
€28.57M ▲ 26.5%
Debt's share of the balance-sheet total falls from 88.1% to 55.2%. Equity and debt are higher.
Key figures and ratios
ROE
-5.9%▲
2024 · -35.4%
ROA
-2.6%▲
2024 · -4.2%
Debt ≤ 1 year
€684k▼
2024 · €689k
Debt > 1 year
€26.99M▲
2024 · €20.56M
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€25.63M€51.76M▲
Fixed assets21/28€25.54M€50.05M▲
Financial fixed assets28€25.54M€50.05M▲
Affiliated companies280/1€3.00M€3.00M=
Participating interests280€3.00M€3.00M=
Companies linked by participating interests282/3€22.54M€47.05M▲
Participating interests282€22.54M€47.05M▲
Current assets29/58€88k€1.71M▲
Amounts receivable within one year40/41€60k€30k▼
Other amounts receivable41€60k€30k▼
Cash at bank and in hand54/58€11k€1.66M▲
Deferred charges and accrued income490/1€17k€19k▲
Equity and liabilities
Total equity and liabilities10/49€25.63M€51.76M▲
Equity10/15€3.05M€23.19M▲
Contributions10/11€5.06M€26.56M▲
Capital10€5.06M€26.56M▲
Issued capital100€5.06M€26.56M▲
Outside capital11€66€66=
Share premium1100/10€66€66=
Reserves13€1.08M€1.08M=
Non-distributable reserves130/1€1.08M€1.08M=
Legal reserve130€1.08M€1.08M=
Profit (loss) carried forward14€-3.09M€-4.45M▼
Amounts payable17/49€22.57M€28.57M▲
Amounts payable after more than one year17€20.56M€26.99M▲
Financial debts170/4€20.56M€26.99M▲
Other loans174€20.56M€26.99M▲
Amounts payable within one year42/48€689k€684k▼
Trade debts44€10k€5k▼
Suppliers440/4€10k€5k▼
Taxes, remuneration and social security45-€323
Taxes450/3-€323
Other amounts payable47/48€678k€678k=
Accrued charges and deferred income492/3€1.33M€896k▼
Income statement
Code20242025
Operating charges60/66A€278k€219k▼
Services and other goods61€276k€217k▼
Other operating charges640/8€1k€1k▲
Operating profit (loss)9901€-278k€-219k▲
Financial income75/76B€71k€8k▼
Recurring financial income75€6k€8k▲
Income from current assets751€1k€3k▲
Other financial income752/9€5k€5k▼
Non-recurring financial income76B€65k-
Financial charges65/66B€874k€1.15M▲
Recurring financial charges65€874k€1.15M▲
Debt charges650€851k€896k▲
Other financial charges652/9€23k€253k▲
Profit (loss) for the period before taxes9903€-1.08M€-1.36M▼
Income taxes67/77€57-
Taxes670/3€57-
Profit (loss) for the period9904€-1.08M€-1.36M▼
Profit (loss) for the period to be appropriated9905€-1.08M€-1.36M▼
Appropriation of the result
Profit (loss) to be appropriated9906€-3.09M€-4.45M▼
Profit (loss) brought forward from the previous period14P€-2.01M€-3.09M▼
The notes to these accounts (18 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-1.36M
Net result drops to €-1.36M, the lowest in the series.
31-12
Financial
Liquidity times 19current ratio 2.49
Current ratio from 0.13 to 2.49; short-term debt falls from €689k to €684k.
31-12
Financial
Equity above €10MEq €23.19M ▲660%
Equity rises from €3.05M to €23.19M.
15-10
State Gazette act
Capital & shares · Statutes amendmentCapital increase · Statutes amendment3 facts ▸
State Gazette act
Capital & shares · Statutes amendment
Capital increase · Statutes amendment3 facts ▸
- General meeting, 02-10-2025
- Capital increase, €21.500.000
- Statutes amendment
09-07
State Gazette act
Reappointments: Piet Dejonghe, Tom Bamelis and Piet BevernageResignations: Piet Dejonghe, Tom Bamelis and Piet Bevernage7 facts ▸
State Gazette act
Reappointments: Piet Dejonghe, Tom Bamelis and Piet Bevernage
Resignations: Piet Dejonghe, Tom Bamelis and Piet Bevernage7 facts ▸
- General meeting, 12-05-2025
- Director reappointment, Piet Dejonghe (director)
- Director reappointment, Tom Bamelis (director)
- Director reappointment, Piet Bevernage (director)
- Director resignation, Piet Dejonghe (director)
- Director resignation, Tom Bamelis (director)
- Director resignation, Piet Bevernage (director)
21-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
15-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 76 days late
08-07
State Gazette act
Reappointment: Ernst & Young Bedrijfsrevisoren BV (statutory auditor)Appointment: Deloitte Bedrijfsrevisoren BV (statutory auditor) · Permanent representative: Ben Vandeweyer · Power of attorney7 facts ▸
State Gazette act
Reappointment: Ernst & Young Bedrijfsrevisoren BV (statutory auditor)
Appointment: Deloitte Bedrijfsrevisoren BV (statutory auditor) · Permanent representative: Ben Vandeweyer · Power of attorney7 facts ▸
- General meeting, 13-05-2024
- Auditor reappointment, Ernst & Young Bedrijfsrevisoren BV
- Auditor appointment, Deloitte Bedrijfsrevisoren BV
- Permanent representative, Ben Vandeweyer
- Power of attorney, Nele Govaert
- Power of attorney, Heleen Boonen
- Power of attorney, Iris Meirlaen
2023
22-06
State Gazette act
Reappointment: Ernst & Young Bedrijfsrevisoren BV (statutory auditor)Power of attorney5 facts ▸
State Gazette act
Reappointment: Ernst & Young Bedrijfsrevisoren BV (statutory auditor)
Power of attorney5 facts ▸
- General meeting, 08-06-2023
- Auditor reappointment, Ernst & Young Bedrijfsrevisoren BV (statutory auditor)
- Power of attorney, Piet Bevernage
- Power of attorney, Heleen Boonen
- Power of attorney, Iris Meirlaen
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
13-06
State Gazette act
Resignation: Jan Suykens (director)Reappointments: Tom Bamelis (director) and Piet Bevernage (director) · Appointment: Piet Dejonghe (director)5 facts ▸
State Gazette act
Resignation: Jan Suykens (director)
Reappointments: Tom Bamelis (director) and Piet Bevernage (director) · Appointment: Piet Dejonghe (director)5 facts ▸
- General meeting, 09-05-2022
- Director resignation, Jan Suykens (director)
- Director reappointment, Tom Bamelis (director)
- Director reappointment, Piet Bevernage (director)
- Director appointment, Piet Dejonghe (director)
Show earlier events
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
05-08
State Gazette act
Reappointment: EY Bedrijfsrevisoren BV (statutory auditor)Permanent representatives: Wim Van Gasse BV and Wim Van Gasse · Choice of domicile7 facts ▸
State Gazette act
Reappointment: EY Bedrijfsrevisoren BV (statutory auditor)
Permanent representatives: Wim Van Gasse BV and Wim Van Gasse · Choice of domicile7 facts ▸
- General meeting, 30-06-2020
- Auditor reappointment, EY Bedrijfsrevisoren BV (statutory auditor)
- Permanent representative, Wim Van Gasse BV
- Permanent representative, Wim Van Gasse
- Choice of domicile, Keuze van woonplaats op de zetel van Ackermans & van Haaren NV
- Choice of domicile, Keuze van woonplaats op de zetel van Ackermans & van Haaren NV
- Choice of domicile, Keuze van woonplaats op de zetel van Ackermans & van Haaren NV
04-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Liquidity times 740current ratio 1222.06
Current ratio from 1.65 to 1222.06; short-term debt falls from €10.01M to €5k.
14-11
State Gazette act
Reappointments: Tom Bamelis, Piet Bevernage and Jan Suykens4 facts ▸
State Gazette act
Reappointments: Tom Bamelis, Piet Bevernage and Jan Suykens
4 facts ▸
- General meeting, 13-05-2019
- Director reappointment, Tom Bamelis (director)
- Director reappointment, Piet Bevernage (director)
- Director reappointment, Jan Suykens (director)
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
19-11
State Gazette act
Capital & sharesCapital decrease · Capital3 facts ▸
State Gazette act
Capital & shares
Capital decrease · Capital3 facts ▸
- General meeting, 07-11-2018
- Capital decrease, €10.000.000
- Capital, €5.064.700
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
12-06
State Gazette act
Reappointment: Ernst & Young Bedrijfsrevisoren BCVBA (statutory auditor)2 facts ▸
State Gazette act
Reappointment: Ernst & Young Bedrijfsrevisoren BCVBA (statutory auditor)
2 facts ▸
- General meeting, 08-05-2017
- Auditor reappointment, Ernst & Young Bedrijfsrevisoren BCVBA
06-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
25-04
State Gazette act
Permanent representative: Wim Van Gasse1 fact ▸
State Gazette act
Permanent representative: Wim Van Gasse
1 fact ▸
- Permanent representative, Wim Van Gasse
2016
27-05
State Gazette act
Reappointments: Tom Bamelis, Piet Bevernage and Jan Suykens4 facts ▸
State Gazette act
Reappointments: Tom Bamelis, Piet Bevernage and Jan Suykens
4 facts ▸
- General meeting, 09-05-2016
- Director reappointment, Tom Bamelis (director)
- Director reappointment, Piet Bevernage (director)
- Director reappointment, Jan Suykens (director)
2014
20-05
State Gazette act
Reappointments: Luc Bertrand (director) and Ernst & Young Bedrijfsrevisoren BCVBA (statutory auditor)3 facts ▸
State Gazette act
Reappointments: Luc Bertrand (director) and Ernst & Young Bedrijfsrevisoren BCVBA (statutory auditor)
3 facts ▸
- General meeting, 12/05/2014
- Director reappointment, Luc Bertrand (director)
- Auditor reappointment, Ernst & Young Bedrijfsrevisoren BCVBA
2013
13-06
State Gazette act
Reappointments: Tom Bamelis, Piet Bevernage and Jan Suykens4 facts ▸
State Gazette act
Reappointments: Tom Bamelis, Piet Bevernage and Jan Suykens
4 facts ▸
- General meeting, 13-05-2013
- Director reappointment, Tom Bamelis (director)
- Director reappointment, Piet Bevernage (director)
- Director reappointment, Jan Suykens (director)
2011
06-06
State Gazette act
Reappointments: Luc Bertrand (director) and Ernst & Young Bedrijfsrevisoren BV CVBA (statutory auditor)3 facts ▸
State Gazette act
Reappointments: Luc Bertrand (director) and Ernst & Young Bedrijfsrevisoren BV CVBA (statutory auditor)
3 facts ▸
- General meeting, 09-05-2011
- Director reappointment, Luc Bertrand (director)
- Auditor reappointment, Ernst & Young Bedrijfsrevisoren BV CVBA
31-03
State Gazette act
Appointment: Ernst & Young Bedrijfsrevisoren BCVBA (statutory auditor)Permanent representative: Marrix Van Dooren · Resignation: Patrick Rottiers (statutory auditor)3 facts ▸
State Gazette act
Appointment: Ernst & Young Bedrijfsrevisoren BCVBA (statutory auditor)
Permanent representative: Marrix Van Dooren · Resignation: Patrick Rottiers (statutory auditor)3 facts ▸
- Auditor appointment, Ernst & Young Bedrijfsrevisoren BCVBA (statutory auditor)
- Permanent representative, Marrix Van Dooren
- Auditor resignation, Patrick Rottiers
2010
08-06
State Gazette act
Reappointments: Tom Bamelis, Piet Bevernage and Jan Suykens4 facts ▸
State Gazette act
Reappointments: Tom Bamelis, Piet Bevernage and Jan Suykens
4 facts ▸
- General meeting, 10-05-2010
- Director reappointment, Tom Bamelis (director)
- Director reappointment, Piet Bevernage (director)
- Director reappointment, Jan Suykens (director)
2008
06-06
State Gazette act
Reappointments: Luc Bertrand (director) and Ernst & Young Bedrijfsrevisoren BCVBA (company auditor)5 facts ▸
State Gazette act
Reappointments: Luc Bertrand (director) and Ernst & Young Bedrijfsrevisoren BCVBA (company auditor)
5 facts ▸
- General meeting, 13-05-2008
- Director reappointment, Luc Bertrand (director)
- Auditor reappointment, Ernst & Young Bedrijfsrevisoren BCVBA (company auditor)
- Board composition, Piet Bevernage (director)
- Board composition, Tom Bamelis (director)
2007
26-02
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- Board meeting, 07-02-2007
- Registered-office move, Begijnenvest 113, 2000 Antwerpen
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 directors, no change since 2025
Piet Dejonghe
CurrentDirector · since 09-05-2022
Piet Bevernage
CurrentDirector · since 10-05-2010
Tom Bamelis
CurrentDirector · since 10-05-2010
Luc Bertrand
Not recently confirmedDirector · since 13-05-2008
12-05-2025
Piet Dejonghe: Reappointed as Director
12-05-2025
Piet Bevernage: Resigned as Director
12-05-2025
Tom Bamelis: Resigned as Director
09-05-2022
Piet Dejonghe: Appointed as Director
09-05-2022
Jan Suykens: Resigned as Director
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 1984
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.
Begijnenvest 1132000 AntwerpenGround area
942 m²
Building footprint
212 m²
Volume, LiDAR
4,691 m³
Parcel 11804D1916/00T002, Flanders · tallest building 34.4 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
ANFIMA
since 19842.025.532.323
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11804D1916/00T002 | Flanders | 942 m² | 1 · 212 m² | 34.4 m · 7 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.
Statutory auditor
2 auditors| Deloitte Bedrijfsrevisoren/Réviseurs d’EntreprisesCurrent Auditor · represented by Ben Vandeweyer | 13-05-2024 → present |
| Ernst & Young Bedrijfsrevisoren BVCurrent Auditor | 08-06-2023 → present |
Show 3 earlier auditors
| Ernst & Young Bedrijfsrevisoren BCVBA Auditor succeeded by Ernst & Young Bedrijfsrevisoren BV CVBA in 2011 | 13-05-2008 → 09-05-2011 |
| Ernst & Young Bedrijfsrevisoren BV CVBA Auditor succeeded by EY Bedrijfsrevisoren BV in 2020 | 09-05-2011 → 30-06-2020 |
| EY Bedrijfsrevisoren BV Statutory auditor succeeded by Ernst & Young Bedrijfsrevisoren BV in 2023 | 30-06-2020 → 08-06-2023 |
Structure & network
Connections & network
17 connected companiesLinked via shared directors
via Piet Dejonghe · Director
→
via Piet Dejonghe · Director
→
via Piet Dejonghe · Director
→
via Piet Dejonghe · Director
→
Show 13 more companies with a shared director
via Piet Dejonghe · Director
→
via Piet Dejonghe · Director
→
via Piet Dejonghe · Director
→
via Piet Dejonghe · Director
former→
via Piet Dejonghe · Director
former→
via Piet Dejonghe · Director
former→
via Piet Dejonghe · Director
former→
Shared director
→
Shared director
→
Shared director
→
Shared director
→
Shared director
→
Shared director
→
Ownership & control
1 parent companyControl over this companyparent company per the LEI register1
Antwerpen
controls
ANFIMABE 0426.265.213
Capital and shareholders
Capital over the years
- 15-10-2025 Capital increase of 21,500,000 EUR · to 26,564,700 EUR · “verhoging van de fractiewaarde van de bestaande aandelen”
- 19-11-2018 Capital reduction of 10,000,000 EUR · to 5,064,700 EUR · “vermindering van de fractiewaarde van de bestaande aandelen”
Recognitions · licences · registrations
Legal Entity Identifier
5493000D2WOFGPK24S79
Similar companies · same sector, comparable size
SOCIETE PATRIMONIALE A PORTEFEUILLE
BE 0864.622.465
Charleroi · Eq €23,195,350
XIMA
BE 0453.432.339
Kortrijk · Eq €23,208,276
Group Coek
BE 0759.508.119
Geel · Eq €23,214,148
DiBO Holding
BE 0466.237.527
Arendonk · Eq €23,152,235
SAINTE - CAROLE
BE 0479.148.227
Huy · Eq €23,145,195
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 3,997 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 formPublic limited company
Founded13-09-1984
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.