Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 45 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
AFINAT SPRL from Pont-à-Celles, company number BE0542810416, closed financial year 2025 with a result of € 120,612 after tax. For that financial year AFINAT SPRL recorded a gross margin of € 539,680 and equity of € 690,745. Compared with financial year 2024, the result moved from € 52,735 to € 120,612. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on January 20, 2026.
€ 690,745
▲ 6% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 120,612
▲ 129% vs 2024
Profit after tax over the fiscal year.
€ 61,026
▼ 34% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 82,852 paid out
69 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
€ 205,662
▲ 19% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 32,869
▲ 13% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1 million
▼ 2% vs 2024
€ 126,908 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 13,576
▼ 79% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 103,954
▲ 113% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 285,802 | € 295,414 | € 421,670 | € 539,680 | ▲ 28% |
| Profit after taxes | € 62,926 | € 52,656 | € 52,735 | € 120,612 | ▲ 129% |
| Equity | € 547,594 | € 600,250 | € 652,985 | € 690,745 | ▲ 6% |
| Total debts | € 304,158 | € 287,404 | € 1,157,822 | € 1,226,944 | ▲ 6% |
| Cash | € 487,692 | € 445,553 | € 92,379 | € 61,026 | ▼ 34% |
| Land & buildings | € 239,955 | € 233,612 | € 1,325,806 | € 1,289,027 | ▼ 3% |
| Retained profit | € 541,394 | € 594,050 | € 646,785 | € 684,545 | ▲ 6% |
| Dividend | € 0 | € 0 | € 0 | € 82,852 | |
| Bank debt | € 241,938 | € 195,865 | € 1,045,130 | € 1,024,483 | ▼ 2% |
| Balance sheet total | € 930,539 | € 964,443 | € 1,882,195 | € 1,981,521 | ▲ 5% |
Key figures of AFINAT SPRL, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to AFINAT SPRL?
What happened at AFINAT SPRL in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 120,612 (▲ 129% vs 2024). Source: NBB ↗
- New establishment in Pont-à-Celles. KBO
- New establishment in Charleroi. KBO
- Start of the company according to the CBE. KBO
- Frédéric Monfrans became a director. NBB
In short
From € 62,926 profit in 2022 to € 120,612 profit in 2025.
Paid € 183,153 in corporate taxes since 2022.
Best year ever: 2025, with € 120,612 profit.
Paid out € 82,852 in dividends to the owners in total.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind AFINAT SPRL is Frédéric Monfrans.
Directors
According to the 2025 annual accounts
Frédéric Monfrans
Director
since 2013
Establishments
Establishment units
Physical locations of this company
Rue des Agasses(THI) 19
6230 Pont-à-Celles
Rue Vandervelde 69
6041 Charleroi
Active since 1 May 2018
Place Nachez(THI) 7
6230 Pont-à-Celles
Active since 26 June 2019
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0542.810.416
- VAT number
- BE 0542.810.416
- Registered office
- Rue des Agasses(THI) 19, 6230 Pont-à-Celles
- Names & denominations
- AFINAT SPRL
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 9 December 2013
- Peppol
- Not registered
- Activities · NACE
Agenten en makelaars in bankdiensten
Activiteiten van verzekeringsagenten en -makelaars