ACTIVE

Afimo

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Financial year 2025 · closed on 31/12/2025

Net result

18,3 k €

-53.9% YoY

Gross margin

182,7 k €

-12.9% YoY

Equity

448,6 k €

+4.3% YoY

What does Afimo do?

Afimo is a Public limited company incorporated in 1969. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Grimbergen.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0406.659.731

Incorporation

30/04/1969

Legal form

Public limited company

Registered office

Pastorijstraat 4
1853 Grimbergen · FlandreSee on map

Contributed capital

62 000,00 €

Latest accounts

31/12/2025

Activities (NACE)

66220Activities of insurance agents and brokers· main

Joint committees (3)

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

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Health score

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✦ Verdict · Analyst summary

Financials

Trend over 20 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	182,7 k €	-12.9%	209,8 k €	-21.0%	265,4 k €	+91.7%	138,4 k €	-13.4%	159,8 k €	-15.3%	188,7 k €	+50.4%	125,4 k €	-76.1%	525,7 k €	+51.0%	348,2 k €	+2.1%	341 k €	+138%	143,1 k €	-49.3%	282 k €	-7.5%	304,7 k €	-1.6%	309,5 k €	+1.6%	304,6 k €	+9.1%	279,1 k €	+17.7%	237,2 k €	+12.0%	211,8 k €	-15.7%	251,3 k €	+32.9%	189,1 k €
EBITDA	96,6 k €	-25.4%	129,4 k €	-29.3%	183,1 k €	+201%	60,7 k €	-32.5%	90 k €	+69.4%	53,1 k €	+273%	-30,8 k €	-108%	371,4 k €	+83.3%	202,6 k €	+18.5%	170,9 k €	+108%	82,3 k €	+61.8%	50,9 k €	-28.8%	71,5 k €	-4.0%	74,4 k €	-35.4%	115,2 k €	+131%	49,9 k €	+123%	22,4 k €	+132%	9,7 k €	-81.0%	50,9 k €	-3.5%	52,8 k €
Operating result	38,6 k €	-44.6%	69,7 k €	-52.8%	147,9 k €	+543%	23 k €	-63.7%	63,4 k €	+529%	-14,8 k €	+85.3%	-100,7 k €	-135%	287,1 k €	+140%	119,5 k €	+44.3%	82,8 k €	+98.5%	41,7 k €	+427%	7,9 k €	-81.7%	43,3 k €	-13.5%	50,1 k €	-47.8%	96 k €	+199%	32,1 k €	+146%	13 k €	+30094%	-43,4 €	-100%	47,2 k €	+6.7%	44,2 k €
Net result	18,3 k €	-53.9%	39,7 k €	-65.9%	116,5 k €	+259%	32,5 k €	-42.3%	56,3 k €	+342%	-23,2 k €	+78.7%	-109,3 k €	-162%	177,6 k €	+174%	64,7 k €	+64.7%	39,3 k €	+63.8%	24 k €	+582%	-5 k €	-128%	17,9 k €	+365%	-6,8 k €	-146%	14,7 k €	+183%	-17,6 k €	+52.5%	-37,1 k €	+37.5%	-59,4 k €	-1099%	5,9 k €	-59.1%	14,5 k €
Balance sheet
Equity	448,6 k €	+4.3%	430,3 k €	+10.2%	390,6 k €	+42.5%	274 k €	+13.4%	241,5 k €	+30.4%	185,3 k €	-11.1%	208,5 k €	-34.4%	317,8 k €	+127%	140,3 k €	+85.7%	75,5 k €	+108%	36,2 k €	+196%	12,3 k €	-28.9%	17,2 k €	+2786%	-641,6 €	-110%	6,1 k €	+171%	-8,6 k €	-195%	9,1 k €	-80.4%	46,2 k €	-56.3%	105,6 k €	+6.0%	99,7 k €
Total assets	788,6 k €	-5.7%	836,1 k €	+2.0%	819,3 k €	+28.4%	638,3 k €	+0.2%	637,2 k €	-1.7%	648,3 k €	+0.6%	644,2 k €	-26.1%	872,2 k €	+29.1%	675,6 k €	-0.9%	681,8 k €	+51.3%	450,5 k €	+14.7%	392,9 k €	+18.3%	332,2 k €	-4.9%	349,3 k €	+2.4%	341,2 k €	-6.6%	365,3 k €	+18.8%	307,4 k €	-2.1%	314,1 k €	-2.8%	323,2 k €	+20.9%	267,4 k €
Cash	2,7 k €	-88.6%	23,4 k €	-5.8%	24,8 k €	+16581%	148,9 €	-99.6%	37,1 k €	+86.6%	19,9 k €	+72.8%	11,5 k €	-95.1%	233,1 k €	+167%	87,2 k €	+517%	14,1 k €	-48.9%	27,7 k €	+207%	9 k €	-79.3%	43,5 k €	-57.3%	101,9 k €	+36.5%	74,6 k €	+1401%	5 k €	+1101%	414,2 €	-82.4%	2,3 k €	+1098%	196 €	-0.5%	197 €
Debts	250,8 k €	-21.7%	320,3 k €	-7.9%	347,9 k €	+24.0%	280,6 k €	-5.4%	296,5 k €	-18.5%	364 k €	+8.1%	336,6 k €	-26.1%	455,3 k €	-15.0%	535,4 k €	-11.7%	606,2 k €	+46.3%	414,3 k €	+67.3%	247,6 k €	+36.1%	181,9 k €	+21.3%	150 k €	+11.0%	135,1 k €	-22.3%	173,9 k €	+35.6%	128,3 k €	-23.6%	167,9 k €	+0.2%	167,6 k €	-0.1%	167,7 k €
Other
Workforce	–		–		–		1,1 ETP		–		–		2,4 ETP	0.0%	2,4 ETP	0.0%	2,4 ETP	-14.3%	2,8 ETP	+21.7%	2,3 ETP	-30.3%	3,3 ETP	0.0%	3,3 ETP	-5.7%	3,5 ETP	0.0%	3,5 ETP	0.0%	3,5 ETP	0.0%	3,5 ETP	-2.8%	3,6 ETP	+2.9%	3,5 ETP	+2.9%	3,4 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 250 k€ and 500 k€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 2 active · 21 ended

Active mandates

Robby Hernalsteen

Director · since 17 mai 2026 · until 17 mai 2031

Active

Willy Hernalsteen

Director · since 17 mai 2025 · until 17 mai 2031

Active

Ended mandates

AFIMO IMMOBILIEN

Director · since 18 mai 2019 · until 18 mai 2025 · 0452.286.551

Ended

Robby Hernalsteen

Director · since 18 mai 2019 · until 18 mai 2025

Ended

Willy Hernalsteen

Director · since 18 mai 2019 · until 18 mai 2025

Ended

AFIMO IMMOBILIEN

Director · since 18 mai 2013 · until 18 mai 2019 · 0452.286.551

Represented by Willy Hernalsteen

Ended

At this address

Other companies at this address

Company	CBE no.
AFIMO IMMOBILIEN● Active	0452.286.551
BEHEERSKANTOOR VAN STROMBEEK● Active	0438.766.335

Annual accounts

Full financial information

	2025	2024	2023	2022	2021	2020
Type of account	Micro model	Micro model	Micro model	Abridged model	Micro model	Micro model
Start of the financial year	01/01/2025	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020
Closing of the financial year	31/12/2025	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	06/08/2026	11/06/2025	12/08/2024	23/05/2023	30/05/2022	16/08/2021
General meeting	29/06/2026	17/05/2025	18/05/2024	20/05/2023	21/05/2022	15/05/2021
Currency of the financial year	EUR	EUR	EUR	EUR	EUR	EUR
NBB quality label	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls

Ratios

Financial ratios

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Filings

Annual accounts filings

20 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Micro model	31/12/2025	29/06/2026	06/08/2026	Dutch	PDF
Micro model	31/12/2024	17/05/2025	11/06/2025	Dutch	PDF
Micro model	31/12/2023	18/05/2024	12/08/2024	Dutch	PDF
Abridged model	31/12/2022	20/05/2023	23/05/2023	Dutch	PDF
Micro model	31/12/2021	21/05/2022	30/05/2022	Dutch	PDF
Micro model	31/12/2020	15/05/2021	16/08/2021	Dutch	PDF
Abridged model	31/12/2019	16/05/2020	15/06/2020	Dutch	PDF
Abridged model	31/12/2018	18/05/2019	28/05/2019	Dutch	PDF
Abridged model	31/12/2017	19/05/2018	06/06/2018	Dutch	PDF
Abridged model	31/12/2016	20/05/2017	24/05/2017	Dutch	PDF
Abridged model	31/12/2015	21/05/2016	01/06/2016	Dutch	PDF
Abridged model	31/12/2014	05/03/2015	17/03/2015	Dutch	PDF
Abridged model	31/12/2013	17/05/2014	28/05/2014	Dutch	PDF
Abridged model	31/12/2012	18/05/2013	23/05/2013	Dutch	PDF
Abridged model	31/12/2011	19/05/2012	25/05/2012	Dutch	PDF
Abridged model	31/12/2010	21/05/2011	06/06/2011	Dutch	PDF
Abridged model	31/12/2009	15/05/2010	18/05/2010	Dutch	PDF
Abridged model	31/12/2008	16/05/2009	27/05/2009	Dutch	PDF
Abridged model	31/12/2007	17/05/2008	03/06/2008	Dutch	PDF
Abridged model	31/12/2006	19/05/2007	25/07/2007	Dutch	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 250 k€ and 500 k€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan

Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Governance

Board of directors

Seen on filing of 31/12/2025 · 2 active · 21 ended

Active mandates

Robby Hernalsteen

Director · since 17 mai 2026 · until 17 mai 2031

Active

Willy Hernalsteen

Director · since 17 mai 2025 · until 17 mai 2031

Active

Ended mandates

AFIMO IMMOBILIEN

Director · since 18 mai 2019 · until 18 mai 2025 · 0452.286.551

Ended

Robby Hernalsteen

Director · since 18 mai 2019 · until 18 mai 2025

Ended

Willy Hernalsteen

Director · since 18 mai 2019 · until 18 mai 2025

Ended

AFIMO IMMOBILIEN

Director · since 18 mai 2013 · until 18 mai 2019 · 0452.286.551

Represented by Willy Hernalsteen

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates07/07/2025
ONTSLAGEN - BENOEMINGEN
PDF
Mandates18/06/2019
ONTSLAGEN - BENOEMINGEN
PDF
Registered office30/07/2018
MAATSCHAPPELIJKE ZETEL
PDF
Mandates10/09/2013
ONTSLAGEN - BENOEMINGEN
PDF
Restructuring05/06/2012
RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Restructuring23/03/2012
RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...) - DIVERSEN
PDF
Mandates06/07/2007
ONTSLAGEN - BENOEMINGEN
PDF

Source: Belgian Official Gazette

Competition

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

2025
Annual accounts 202518,3 k €↓
2024
Annual accounts 202439,7 k €↓
2023
Annual accounts 2023116,5 k €↑
2022
Annual accounts 202232,5 k €↓
2021
Annual accounts 202156,3 k €↑
2020
Annual accounts 2020-23,2 k €↑
2019
Annual accounts 2019-109,3 k €↓
2018
Annual accounts 2018177,6 k €↑
2017
Annual accounts 201764,7 k €↑
2016
Annual accounts 201639,3 k €↑
2015
Annual accounts 201524 k €↑
2014
Annual accounts 2014-5 k €↓
2013
Annual accounts 201317,9 k €↑
2012
Annual accounts 2012-6,8 k €↓
2011
Annual accounts 201114,7 k €↑
2010
Annual accounts 2010-17,6 k €↑
2009
Annual accounts 2009-37,1 k €↑
2008
Annual accounts 2008-59,4 k €↓
2007
Annual accounts 20075,9 k €↓
2006
Annual accounts 200614,5 k €
30/04/1969
IncorporationPublic limited company

10/15	1 240 000	1 180 000	1 050 000
70	8 630 000	8 120 000	7 940 000
9904	412 000	388 000	301 000
17/49	2 970 000	3 140 000	3 380 000
9087	24,3	23,1	21,8

Afimo

Overview

What does Afimo do?

Trend over 20 financial years

Indicative valuation

Board of directors

Other companies at this address

Financials

Full financial information

Financial ratios

Annual accounts filings

Valuation

Indicative valuation

Directors & structure

Board of directors

Ownership and network

Publications

Belgian Official Gazette publications

Similar companies

Similar companies

Timeline