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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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 7 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
A&F HOLDING from Leopoldsburg, company number BE0740583023, closed financial year 2025 with a result of € -147,448 after tax. For that financial year A&F HOLDING recorded a gross margin of € -110,606 and equity of € -156,828. Compared with financial year 2024, the result moved from € 2,300 to € -147,448. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on October 16, 2026.
€ -156,828
▼ € 147,448 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -147,448
▼ still € 2,300 profit in 2024
Profit after tax over the fiscal year.
€ 65
▼ 98% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -159,328.
People and assets in 2025
€ 18,180
▼ 64% 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.
€ 31,688
▼ 26% vs 2024
Of which on lease € 31,350.
Debts at end 2025
€ 208,505
▼ 15% vs 2024
€ 26,521 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 965
▼ 42% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 7,961
▼ 46% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 438,090 | - | - | - | |
| Gross margin | € 32,820 | € 9,868 | € 77,248 | € -110,606 | ▼ € 187,854 |
| Profit after taxes | € 7,806 | € 921 | € 2,300 | € -147,448 | ▼ € 149,747 |
| Equity | € -12,570 | € -11,649 | € -9,381 | € -156,828 | ▼ € 147,448 |
| Total debts | € 221,523 | € 330,384 | € 378,557 | € 376,022 | ▼ 1% |
| Cash | - | - | € 2,751 | € 65 | ▼ 98% |
| Land & buildings | € 150,000 | € 150,000 | € 150,000 | € 150,000 | |
| Retained profit | € -15,070 | € -14,149 | € -11,881 | € -159,328 | ▼ € 147,448 |
| Bank debt | € 176,665 | € 192,405 | € 246,415 | € 208,505 | ▼ 15% |
| Balance sheet total | € 208,953 | € 318,736 | € 369,177 | € 219,194 | ▼ 41% |
Key figures of A&F HOLDING, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to A&F HOLDING?
What happened at A&F HOLDING in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 147,448 (▼ € 149,747 vs 2024). filed late Source: NBB ↗
- Fatih Yildirim became a director. NBB
- New establishment in Leopoldsburg. KBO
- Akif Sahingöz became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 7,806 profit in 2022 to € 147,448 loss in 2025.
Paid € 3,327 in corporate taxes since 2022.
Best year ever: 2022, with € 7,806 profit.
Management
Behind A&F HOLDING are Akif Sahingöz and Fatih Yildirim. Fatih Yildirim is also behind A & F MOTORS.
Directors
According to the 2025 annual accounts
Akif Sahingöz
Director
since 2019
since 2023
Establishments
Establishment units
Physical locations of this company
Antwerpsesteenweg 230
3970 Leopoldsburg
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0740.583.023
- VAT number
- BE 0740.583.023
- Registered office
- Antwerpsesteenweg 230, 3970 Leopoldsburg
- Names & denominations
- A&F HOLDING
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 30 December 2019
- Peppol
- Active · Active since 16 Dec 2025
- Activities · NACE
Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)