A & T LAZUR
ActiveA & T LAZUR has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €409k and a net result of €7k. Equity is shrinking by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 94% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-2
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 14.47 against 33.73 in 2024; short-term debt: 5.1% and cash: 50.3% of total assets), and 5.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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
94.8%
Return on assets
1.7%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
42 d late
2023
36 d late
2022
31 d late
2021
60 d late
2020
61 d late
2019
25 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€409k▼ 4.2%
2024 · €427k
2018: €602k
2019: €611k
2020: €549k
2021: €436k
2022: €418k
2023: €433k
2024: €427k
2018 → 2025
Total assets
€431k▼ 1.6%
2024 · €438k
2018: €626k
2019: €625k
2020: €557k
2021: €488k
2022: €419k
2023: €436k
2024: €438k
2018 → 2025
Net result
€7k▼ 53.2%
2024 · €15k
2018: €-13k
2019: €9k
2020: €-46k
2021: €-53k
2022: €-18k
2023: €15k
2024: €15k
2018 → 2025
Working capital
€295k▼ 1.1%
2024 · €299k
2018: €428k
2019: €433k
2020: €371k
2021: €286k
2022: €270k
2023: €291k
2024: €299k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€436k-€418k▼ 4.1%€433k▲ 3.6%€427k▼ 1.4%€409k▼ 4.2%
Operating result€-52k-€-17k▲ 67.8%€18k€13k▼ 23.7%€6k▼ 55.8%
Net result€-53k-€-18k▲ 65.7%€15k€15k▲ 2.1%€7k▼ 53.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 56% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €431k
Fixed assets
€114k▼ 12.8%
Current assets
€317k▲ 3.1%
Equity and liabilities €431k
Equity
€409k▼ 4.2%
Debt
€22k▲ 95.1%
The debt ratio rises from 2.6% to 5.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€25k▼
2024 · €31k
Cash flow
€26k▼
2024 · €33k
Solvency
94.8%▼
2024 · 97.4%
Current ratio
14.47▼
2024 · 33.73
Quick ratio
14.33▼
2024 · 33.40
Debt / equity
0.05▲
2024 · 0.03
ROE
1.7%▼
2024 · 3.6%
ROA
1.7%▼
2024 · 3.5%
Interest coverage
18.36▼
2024 · 19.76
Debt
€22k▲
2024 · €11k
Debt ≤ 1 year
€22k▲
2024 · €9k
Income taxes
€1k▼
2024 · €3k
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€438k€431k▼
Fixed assets21/28€130k€114k▼
Tangible fixed assets22/27€120k€104k▼
Land and buildings22€105k€94k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€8k€2k▼
Other tangible fixed assets26€4k€5k▲
Financial fixed assets28€10k€10k=
Current assets29/58€308k€317k▲
Stocks and contracts in progress3€3k€3k=
Stocks30/36€3k€3k=
Amounts receivable within one year40/41€26k€10k▼
Trade receivables40€11k€9k▼
Other amounts receivable41€15k€37▼
Current investments50/53€86k€88k▲
Cash at bank and in hand54/58€191k€217k▲
Deferred charges and accrued income490/1€1k€620▼
Equity and liabilities
Total equity and liabilities10/49€438k€431k▼
Equity10/15€427k€409k▼
Contributions10/11€63k€63k=
Reserves13€364k€345k▼
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Distributable reserves133€357k€339k▼
Amounts payable17/49€11k€22k▲
Amounts payable within one year42/48€9k€22k▲
Trade debts44€621€909▲
Suppliers440/4€621€909▲
Taxes, remuneration and social security45€9k€4k▼
Taxes450/3€9k€4k▼
Other amounts payable47/48-€17k
Accrued charges and deferred income492/3€2k€420▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€19k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€33k€26k▼
Operating profit (loss)9901€13k€6k▼
Financial income75/76B€6k€4k▼
Recurring financial income75€6k€4k▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€18k€8k▼
Income taxes67/77€3k€1k▼
Profit (loss) for the period9904€15k€7k▼
Profit (loss) for the period to be appropriated9905€15k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€7k▼
Transfer from equity791/2€21k€25k▲
Transfer to equity691/2€15k€7k▼
To other reserves6921€15k€7k▼
Profit to be distributed694/7€21k€25k▲
Return on contributions (dividend)694€21k€25k▲
The notes to these accounts (6 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
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 42 days late
2024
31-12
Financial
Highest result since 2018net €15k ▲2.1%
Net result €15k, the highest in the series.
05-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 36 days late
2023
31-12
Financial
Back to profitnet €15k
Net result €15k after 3 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Liquidity times 51current ratio 336.30
Current ratio from 6.57 to 336.30; short-term debt falls from €51k to €804.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
31-12
Financial
Weakest financial yearnet €-53k
Net result drops to €-53k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 31 days late
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 1 day late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Maaseik · 1 establishment unit since 2001
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.
Kleinbeekstraat 143680 MaaseikGround area
617 m²
Building footprint
148 m²
Parcel 72024B0767/00L000, Flanders. Linked by address, not a title deed.
1 establishment unit
Kleinbeekstraat 14, 3680 Maaseik
since 20012.116.423.303
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72024B0767/00L000 | Flanders | 617 m² | 1 · 148 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 654 EUR awarded · 654 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 654 EUR | 654 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 36,220 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-07-2001
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.