A a Z SERVICES
ActiveA a Z SERVICES has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45k and a net result of €24k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 34% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-15
Solvency60▼-4
Growth51=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 1.56 against 1.64 in 2024; short-term debt: 63.9% and cash: 3.4% of total assets), but 65.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
34.9%
Return on assets
18.9%
Age of the figures
14 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €45k
neutral · Latest accounts filed on time
The financial year that closed on 31-07-2025 was due by 28-02-2026 and was filed on 18-09-2025, 163 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
163 d early
2024
8 d early
2023
30 d early
2022
9 d late
2021
31 d early
2020
18 d early
2019
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-07-2026 and is due by 28-02-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-07-2026 close22-09-2026 today28-02-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€19k▼ 5.7%
2020 · €20k
2019: €18k
2020: €20k
2019 → 2021
EBIT margin
0.2%▼ 0.6pp
2020 · 0.8%
2019: 5.8%
2020: 0.8%
2019 → 2021
Net result
€24k▲ 20.1%
2024 · €20k
2019: €92
2020: €15
2021: €7
2022: €2
2023: €8
2024: €20k
2019 → 2025
Working capital
€46k▲ 112%
2024 · €22k
2019: €93k
2020: €22k
2021: €22k
2022: €22k
2023: €2k
2024: €22k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€19k-
Equity€22k-€2k▼ 91.7%€2k▲ 0.4%€22k▲ 1,079%€45k▲ 103%
Operating result€39-€36▼ 8.2%€74▲ 108%€25k▲ 33,928%€33k▲ 32.7%
Net result€7-€2▼ 68.3%€8▲ 281%€20k▲ 250,976%€24k▲ 20.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 33% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €128k
Fixed assets
€333=
Current assets
€127k▲ 130%
Equity and liabilities €128k
Equity
€45k▲ 103%
Provisions
€2k
Debt
€82k▲ 142%
The debt ratio rises from 60.6% to 63.9%. Equity and debt are higher.
Key figures and ratios
Solvency
34.9%▼
2024 · 39.4%
Current ratio
1.56▼
2024 · 1.64
Quick ratio
1.56▼
2024 · 1.64
Debt / equity
1.83▲
2024 · 1.54
ROE
54.1%▼
2024 · 91.5%
ROA
18.9%▼
2024 · 36.1%
Debt
€82k▲
2024 · €34k
Debt ≤ 1 year
€82k▲
2024 · €34k
Income taxes
€9k▲
2024 · €5k
Staff costs
€241k▲
2024 · €17k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€56k€128k▲
Fixed assets21/28€333€333=
Financial fixed assets28€333€333=
Current assets29/58€55k€127k▲
Amounts receivable within one year40/41€54k€123k▲
Trade receivables40€53k€123k▲
Other amounts receivable41€1k-
Cash at bank and in hand54/58€1k€4k▲
Deferred charges and accrued income490/1€250€250=
Equity and liabilities
Total equity and liabilities10/49€56k€128k▲
Equity10/15€22k€45k▲
Reserves13€2k-
Tax-exempt reserves132€2k-
Profit (loss) carried forward14€20k€45k▲
Provisions and deferred taxes16-€2k
Provisions for liabilities and charges160/5-€2k
Environmental obligations163-€2k
Amounts payable17/49€34k€82k▲
Amounts payable within one year42/48€34k€82k▲
Trade debts44€5k€34k▲
Suppliers440/4€4k€33k▲
Bills of exchange payable441€801€638▼
Taxes, remuneration and social security45€29k€46k▲
Taxes450/3€11k€33k▲
Remuneration and social security454/9€18k€13k▼
Other amounts payable47/48€101€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€17k€241k▲
Other operating charges640/8€384-
Gross operating margin9900€42k€275k▲
Operating profit (loss)9901€25k€33k▲
Financial charges65/66B€13€56▲
Recurring financial charges65€13€56▲
Profit (loss) for the period before taxes9903€25k€33k▲
Income taxes67/77€5k€9k▲
Profit (loss) for the period9904€20k€24k▲
Profit (loss) for the period to be appropriated9905€20k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€45k▲
Profit (loss) brought forward from the previous period14P€363€20k▲
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
18-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-07
Financial
Highest result since 2019net €24k ▲20.1%
Operating result €33k, net result €24k, both a record.
20-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
Financial
Liquidity times 8current ratio 154.95
Current ratio from 20.09 to 154.95; short-term debt falls from €1k to €13.
09-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
31-07
Financial
Weakest financial yearnet €2 ▼68.3%
Net result drops to €2, the lowest in the series; recovery starts the following year.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-07
Financial
Liquidity times 14current ratio 17.98
Current ratio from 1.31 to 17.98; short-term debt falls from €73k to €1k.
10-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Ganshoren · 2 establishment units since 2003
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Louis Delhovestraat 681083 GanshorenGround area
594 m²
Building footprint
496 m²
Volume, LiDAR
8,118 m³
2 parcels, Brussels · tallest building 20.9 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
Louis Delhovestraat 68, 1083 Ganshoren
since 20032.123.475.401
A a Z SERVICES
since 20242.360.230.031
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21008A0137/00Z009 | Brussels | 332 m² | 1 · 249 m² | 20.9 m · 6 fl. |
| 21392B0066/00P000 | Brussels | 262 m² | 1 · 247 m² | 18.8 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 37,460 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-02-2003
Fiscal year end31-07
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.