Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 9 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Afford IFM from Seraing, company number BE0825023897, closed financial year 2025 with a result of € 99,193 after tax. For that financial year Afford IFM recorded revenue of € 150,000 and equity of € 757,522. Compared with financial year 2024, the result moved from € 142,779 to € 99,193. The company is profitable. 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 July 17, 2026.
€ 757,522
▲ 3% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 99,193
▼ 31% vs 2024
Profit after tax over the fiscal year.
€ 30,630
▲ € 28,794 vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 75,000 paid out
76 % of the profit went to the shareholders, mostly to IRS Belgium (100 % of the shares). That is where the money ends up.
Debts at end 2025
€ 57,888
▼ 69% vs 2024
Loans from banks and other lenders, long and short.
€ 99,718
▲ € 90,750 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 15,263
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 35,000 | € 263,500 | € 205,000 | € 150,000 | ▼ 27% |
| Profit after taxes | € 47,679 | € 171,940 | € 142,779 | € 99,193 | ▼ 31% |
| Equity | € 568,610 | € 665,550 | € 733,329 | € 757,522 | ▲ 3% |
| Total debts | € 1,830,433 | € 1,120,808 | € 912,741 | € 920,783 | ▲ 1% |
| Cash | € 23,552 | € 10,970 | € 1,836 | € 30,630 | ▲ € 28,794 |
| Retained profit | € 418,610 | € 515,550 | € 583,329 | € 607,522 | ▲ 4% |
| Dividend | € 0 | € 75,000 | € 75,000 | € 75,000 | |
| Bank debt | € 456,324 | € 316,942 | € 188,942 | € 57,888 | ▼ 69% |
| Balance sheet total | € 2,399,043 | € 1,786,358 | € 1,646,070 | € 1,678,305 | ▲ 2% |
Key figures of Afford IFM, 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 Afford IFM?
What happened at Afford IFM in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- CVH & Co Consulting BV stepped down as director. NBB
- IRS Belgium NV stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 99,193 (▼ 31% vs 2024). Source: NBB ↗
- CVH & Co Consulting BV became a director. NBB
- IRS Belgium NV became a director. NBB
- New establishment in Nivelles. KBO
- Start of the company according to the CBE. KBO
In short
From € 47,679 profit in 2022 to € 99,193 profit in 2025.
Paid € 75,251 in corporate taxes since 2022.
Best year ever: 2023, with € 171,940 profit.
Paid out € 225,000 in dividends to the owners in total.
A new publication or filing at Afford IFM? 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 IRS Belgium comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Afford IFMThe shares are held by IRS Belgium (100%). It owns 100% of Carrosserie Verhelle & Rubias, 100% of Carrosserie Afford Etterbeek, 99.9% of Carrosserie Afford, 99.9% of Carrosserie Detaille and 98% of Carrosserie Afford Brussels itself.
Directors
According to the 2025 annual accounts
Director · represented by Van Hecke Christophe
Also active at: CRYNS CARROSSERIE CENTER WAASLAND, K.ROSS, IRS Belgium
since 2025 · until 2028
Director · represented by De Bisschop Kurt
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
Shareholders
100%
Participations
Establishments
Establishment units
Physical locations of this company
Rue Robert 2
4100 Seraing
Rue du Travail 1/A
1400 Nivelles
Active since 15 April 2010
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
- 0825.023.897
- VAT number
- BE 0825.023.897
- Registered office
- Rue Robert 2, 4100 Seraing
- Names & denominations
- Afford IFM
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 14 April 2010
- Peppol
- Active · Active since 29 Dec 2025
- Activities · NACE
Activiteiten van holdings
Holdings
Onderhoud en reparatie van motorvoertuigen, neg
Reparatie en montage van specifieke auto-onderdelen
Onderhoud en reparatie van motorvoertuigen, n.e.g.