Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 65 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CARROSSERIE AFFORD from Seraing, company number BE0808929520, closed financial year 2025 with a result of € -60,256 after tax. For that financial year CARROSSERIE AFFORD recorded revenue of € 2.6 million and equity of € 33,198. Compared with financial year 2024, the result moved from € -29,639 to € -60,256. The company made a loss. The buffer shrank hard: equity is 64 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 14, 2026.
€ 33,198
▼ 64% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -60,256
▼ 103 % more loss than in 2024
Profit after tax over the fiscal year.
€ 114,932
▲ 160% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -28,802.
People and assets in 2025
10.8
▼ 2.4 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 619,038
▼ 16% vs 2024
€ 57,300 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.
€ 3,831
▼ 21% vs 2024
Of which on lease € 3,831.
Debts at end 2025
€ 60,680
▼ 2% vs 2024
€ 992 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 793,046
▲ 68% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 73,513
▲ 22% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | - | € 2,767,997 | € 2,519,301 | € 2,636,004 | ▲ 5% |
| Gross margin | € 935,064 | € 798,086 | € 720,033 | € 573,216 | ▼ 20% |
| Profit after taxes | € 84,349 | € -28,976 | € -29,639 | € -60,256 | ▼ € 30,618 |
| Equity | € 152,069 | € 123,093 | € 93,455 | € 33,198 | ▼ 64% |
| Total debts | € 1,418,239 | € 762,365 | € 609,932 | € 995,713 | ▲ 63% |
| Cash | € 47,387 | € 127,544 | € 44,246 | € 114,932 | ▲ 160% |
| Land & buildings | € 7,078 | € 5,590 | € 4,101 | € 2,613 | ▼ 36% |
| Retained profit | € 90,069 | € 61,093 | € 31,455 | € -28,802 | ▼ € 60,256 |
| Dividend | € 75,000 | € 0 | € 0 | € 0 | |
| Bank debt | € 6,801 | € 48,442 | € 61,728 | € 60,680 | ▼ 2% |
| Balance sheet total | € 1,570,308 | € 885,458 | € 703,386 | € 1,028,912 | ▲ 46% |
| Employees (FTE) | 11.4 | 11.4 | 13.2 | 10.8 | ▼ 2.4 |
Key figures of CARROSSERIE AFFORD, 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 CARROSSERIE AFFORD?
What happened at CARROSSERIE AFFORD in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- IRS Belgium NV stepped down as director. NBB
- Afford IFM BV stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 60,256. Source: NBB ↗
- IRS Belgium NV became a director. NBB
- Afford IFM BV became a director. NBB
- New establishment in Nivelles. KBO
- Start of the company according to the CBE. KBO
In short
From € 84,349 profit in 2022 to € 60,256 loss in 2025.
Paid € 9,374 in corporate taxes since 2022.
Best year ever: 2022, with € 84,349 profit.
On average € 53,100 of value added per employee in 2025.
A new publication or filing at CARROSSERIE AFFORD? We notify you, reason included.
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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
The stake of Afford IFM, IRS Belgium comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
CARROSSERIE AFFORDThe shares are held by Afford IFM (99.9%) and IRS Belgium (0.1%).
Directors
According to the 2025 annual accounts
Director · represented by Kurt De Bisschop
Also active at: Carrosserie Verhelle-Rubias, CARROSSERIE DETAILLE, CRYNS CARROSSERIE CENTER, CRYNS CARROSSERIE CENTER WAASLAND, Carros Gent, CARROSSERIE AFFORD BRUSSELS, K.ROSS, CARROS MECHELEN +4 more
since 2025 · until 2028
Managing director · represented by Van Hecke Christophe
Also active at: Carrosserie Verhelle-Rubias, CARROSSERIE DETAILLE, CARROSSERIE AFFORD BRUSSELS, Carrosserie Afford Etterbeek
since 2025 · until 2028
Shareholders
99.9%
0.1%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue Robert 2
4100 Seraing
Rue du Travail 1A
1400 Nivelles
Active since 1 August 2009
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 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
- 0808.929.520
- VAT number
- BE 0808.929.520
- Registered office
- Rue Robert 2, 4100 Seraing
- Names & denominations
- CARROSSERIE AFFORD
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 19 December 2008
- Peppol
- Active · Active since 29 Dec 2025
- Activities · NACE
Carrosserieherstelling (inclusief spuiten en verven)
Carrosserieherstelling