Financials
Financial year 2025
A&F EXPRESS from Antwerpen, company number BE0713572382, closed financial year 2025 with a result of € 41,884 after tax. For that financial year A&F EXPRESS recorded a gross margin of € 261,757 and equity of € 136,955. Compared with financial year 2024, the result moved from € 6,535 to € 41,884. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on February 2, 2026.
€ 136,955
▲ 44% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 41,884
▲ € 35,349 vs 2024
Profit after tax over the fiscal year.
€ 117,348
▲ 10% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 118,355.
People and assets in 2025
3.9
▼ 0.6 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 140,641
▼ 11% vs 2024
€ 36,100 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 67,073
▼ 24% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 89,906
▼ 44% vs 2024
€ 37,072 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 150,162
▼ 15% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 43,173
▲ 34% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 266,192 | € 262,237 | € 240,026 | € 261,757 | ▲ 9% |
| Profit after taxes | € 72,400 | € 47,059 | € 6,535 | € 41,884 | ▲ € 35,349 |
| Equity | € 41,476 | € 88,535 | € 95,071 | € 136,955 | ▲ 44% |
| Total debts | € 323,479 | € 429,310 | € 382,516 | € 298,393 | ▼ 22% |
| Cash | € 62,199 | € 180,906 | € 106,442 | € 117,348 | ▲ 10% |
| Retained profit | € 22,876 | € 69,935 | € 76,471 | € 118,355 | ▲ 55% |
| Dividend | € 76,059 | € 0 | € 0 | € 0 | |
| Bank debt | € 160,912 | € 129,386 | € 160,790 | € 89,906 | ▼ 44% |
| Balance sheet total | € 364,955 | € 517,845 | € 477,587 | € 435,347 | ▼ 9% |
| Employees (FTE) | 4.5 | 4.2 | 4.5 | 3.9 | ▼ 0.6 |
Key figures of A&F EXPRESS, 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 A&F EXPRESS?
What happened at A&F EXPRESS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 41,884 (▲ € 35,349 vs 2024). filed late Source: NBB ↗
- Fayz Group VOF became a director. NBB
- New establishment in Antwerpen. KBO
- Start of the company according to the CBE. KBO
In short
From € 72,400 profit in 2022 to € 41,884 profit in 2025.
Paid € 45,285 in corporate taxes since 2022.
Best year ever: 2022, with € 72,400 profit.
On average € 67,100 of value added per employee in 2025.
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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 A&F EXPRESS is Fayz Group VOF. Fayz Group VOF is also behind J&D Express, Express Nationalestraat and NW Market.
Directors
According to the 2025 annual accounts
Director · represented by FAYZ AFZAL
Also active at: J&D Express, Express Nationalestraat, NW Market
since 2024
Establishments
Establishment units
Physical locations of this company
Kasteelpleinstraat 8
2000 Antwerpen
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0713.572.382
- VAT number
- BE 0713.572.382
- Registered office
- Kasteelpleinstraat 8, 2000 Antwerpen
- Names & denominations
- A&F EXPRESS
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 15 November 2018
- Peppol
- Active · Active since 10 Sept 2025
- Activities · NACE
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen
Overige detailhandel in voedingsmiddelen, neg
Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 100 m² en minder dan 400 m²)
Overige detailhandel in voedingsmiddelen in gespecialiseerde winkels, n.e.g.