Financials
- Fiscal year
- 2025
- Total assets
- €53,855
- Loss
- -€23,291
- Solvency
- 97.3%
Total assets▼ 30.0%
Net result
20182025
A&Z
ActiveSummary
A&Z has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52,416 and a net result of -€23,291. Equity is shrinking by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 21069 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
Activity
Retail sale of clothing and accessories for women, men, children and babies (general range)
NACE 47716
1 site
Size
€53,855total assets 2025
- Equity
- €52,416
- Loss
- -€23,291
Turnover not published (abridged schema)
Structure
Accounts filed 28 d late0 of 7 deeds read
Why 87- Loss of €23,291, the second in a row (FY 2025)+ Liquidity: current ratio 17.96, cash €20,472+ Equity €52,416 (97.3% of total assets)+ Founded in 2008Show the evidence
Checked score
Score 2025
87
/ 100
Excellent
Probability in this band: under 0.55%
Better than 52% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
100=
equity 97.3% of total assets
Liquidity
98-2
short-term debt 2.7% · cash 38.0%
Profitability
0=
return on assets -43.2%
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.1%
12-2024: 0.1%● 0.0% vs 11-2024
01-2025: 0.1%▼ -15.2% vs 12-2024
02-2025: 0.1%▼ -2.4% vs 01-2025
03-2025: 0.1%● 0.0% vs 02-2025
04-2025: 0.1%● 0.0% vs 03-2025
05-2025: 0.1%▼ -3.7% vs 04-2025lowest value
06-2025: 0.1%▲ +1.3% vs 05-2025
07-2025: 0.1%▲ +11.3% vs 06-2025
08-2025: 0.1%▲ +59.6% vs 07-2025
09-2025: 0.2%▲ +39.4% vs 08-2025
10-2025: 0.2%● 0.0% vs 09-2025
11-2025: 0.2%● 0.0% vs 10-2025
12-2025: 0.2%● 0.0% vs 11-2025
01-2026: 0.2%▼ -1.0% vs 12-2025
02-2026: 0.2%● 0.0% vs 01-2026
03-2026: 0.2%● 0.0% vs 02-2026
04-2026: 0.2%▲ +10.7% vs 03-2026
05-2026: 0.2%▼ -1.4% vs 04-2026
06-2026: 0.2%▼ -0.9% vs 05-2026
07-2026: 0.2%▲ +5.7% vs 06-2026
08-2026: 0.4%▲ +64.7% vs 07-2026highest value
09-2026: 0.3%▼ -26.8% vs 08-2026
10-2026: 0.3%● 0.0% vs 09-2026
- Loss of €23,291, the second in a row (FY 2025) raises the probability
- Liquidity: current ratio 17.96, cash €20,472 lowers the probability
- Equity €52,416 (97.3% of total assets) lowers the probability
- Founded in 2008 lowers the probability for this profile
Credit up to €4,500 at 30 days acceptable
Liquidity ample (current ratio 17.96 against 31.61 in 2024; short-term debt: 2.7% and cash: 38% of total assets), and 2.7% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 92%, liquidity 96%, profitability 6%, growth against the median 15%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€23,291
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
27 d late
2023
30 d late
2022
4 d early
2021
5 d early
2020
1 d early
2019
54 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 18 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 27 August (4 of the last 5 filed years within 31 days of that day).
Companies Code · seven monthsPosition in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet -€23,291
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 15
- Since
- 2017
- Next accounts
- by 31-07-2027
- 28-08-2026Annual accounts filed
- 31-12-2025Weakest financial year
- 27-08-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company (pre-2019)
- Activity
- Retail sale of clothing and accessories for women…NACE 47716
- Founded
- 03-01-2008
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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