A-Z COMPUTING
ActiveSummary
The computed 12-month bankruptcy probability of A-Z COMPUTING is 3.4% (moderate). The annual accounts of A-Z COMPUTING for financial year 2024 show a net loss of 66% of the equity at the start of that year. The 2024 annual accounts show equity of €4,903 and a net result of -€9,630. Equity is shrinking by about 10% per year across the filed financial years. Its solvency ranks better than 25% of 25,567 sector peers (NACE 47, financial year 2024). The company has been active since 2002 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
- Equity
- €4,903
- Loss
- -€9,630
Why 48raises risk1 financial year not filed after the legal deadline; last filed accounts filed 144 days late; 3 of the last 3 lateFigures for financial year 2024 (filed 22-12-2025)lowers riskFounded in 2002Size: total assets €115,707Show the evidence
Checked score
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 22% on solvency, 7% on liquidity, 20% on profitability and 9% on growth.
The bankruptcy probability was computed on 26-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 6 accounts on average 95 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.
Searched, nothing found (1)
- Annual accounts filedfinancial year 2024 · micro…
- Annual accounts filedfinancial year 2023 · micro…
- Weakest financial yearnet -€12,303
Financials · financial year 2024, micro format
2025 annual accounts not yet filed, deadline passed on 31 July 2026 Financial year closed on 31 December 2025; filing due at the latest 7 months after the close (Companies Code art. 3:10). Source: NBB filings, as of 27 October 2026.
2020 to 2024, 5 financial years 2018 to 2024, 7 financial years
The operating result stays negative: a loss of €9,496 in 2024 against €11,680 in 2023; the loss shrinks.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Average staff in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 47, Retail trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Peer companies
Historical observationOf the 974 companies that looked in July 2024 the way this one looks now, 2.3% went bankrupt within 24 months and 92.8% are still going.
- Micro
- 20 years or older
- solvency under 10%
- a small loss
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 3.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,475 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 974 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €51,275 | €53,113 | €25,883 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,374 | €8,655 | €8,097 | €4,756 | €3,440 | - | - | - |
| Other operating charges640/8 | - | - | - | €759 | €1,189 | €692 | €812 | ▲ 17.4% |
| Gross operating margin9900 | €61,132 | €71,988 | €31,842 | €62,858 | €58,556 | €14,895 | -€8,684 | - |
| Operating profit (loss)9901 | €2,857 | €12,071 | -€7,961 | €6,067 | €813 | -€11,680 | -€9,496 | ▲ 18.7% |
| Financial charges65/66B | - | - | - | €222 | €154 | €274 | €134 | ▼ 51.2% |
| Recurring financial charges65 | €99 | €180 | €365 | €222 | €154 | €274 | €134 | ▼ 51.2% |
| Profit (loss) for the period before taxes9903 | €2,757 | €11,891 | -€8,326 | €5,845 | €659 | -€11,954 | -€9,630 | ▲ 19.4% |
| Income taxes67/77 | €294 | €291 | €280 | €298 | €298 | €349 | - | - |
| Profit (loss) for the period9904 | €2,463 | €11,600 | -€8,606 | €5,547 | €361 | -€12,303 | -€9,630 | ▲ 21.7% |
| Profit (loss) for the period to be appropriated9905 | €2,463 | €11,600 | -€8,606 | €5,547 | €361 | -€12,303 | -€9,630 | ▲ 21.7% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €217,514 | €184,039 | €185,541 | €215,483 | €234,387 | €191,699 | €115,707 | ▼ 39.6% |
| Fixed assets21/28 | €23,723 | €16,469 | €8,371 | €3,615 | €175 | €175 | €175 | = |
| Tangible fixed assets22/27 | €23,548 | €16,294 | €8,196 | €3,440 | - | - | - | - |
| Plant, machinery and equipment23 | - | - | - | €3,440 | - | - | - | - |
| Financial fixed assets28 | €175 | €175 | €175 | €175 | €175 | €175 | €175 | = |
| Current assets29/58 | €193,791 | €167,570 | €177,170 | €211,868 | €234,212 | €191,524 | €115,532 | ▼ 39.7% |
| Stocks and contracts in progress3 | €14,095 | €6,442 | €7,478 | €8,127 | €4,430 | €6,850 | €6,850 | = |
| Stocks30/36 | - | - | - | €8,127 | €4,430 | €6,850 | €6,850 | = |
| Amounts receivable within one year40/41 | €141,526 | €152,964 | €157,568 | €193,508 | €217,145 | €178,434 | €107,920 | ▼ 39.5% |
| Trade receivables40 | - | - | - | €174,000 | €196,463 | €158,926 | €107,407 | ▼ 32.4% |
| Other amounts receivable41 | - | - | - | €19,508 | €20,682 | €19,508 | €514 | ▼ 97.4% |
| Cash at bank and in hand54/58 | €38,065 | €8,056 | €12,017 | €9,308 | €12,637 | €6,161 | €683 | ▼ 88.9% |
| Deferred charges and accrued income490/1 | - | - | - | €926 | - | €78 | €79 | ▲ 0.4% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €217,514 | €184,039 | €185,541 | €215,483 | €234,387 | €191,699 | €115,707 | ▼ 39.6% |
| Equity10/15 | €17,933 | €29,534 | €20,928 | €26,474 | €26,836 | €14,533 | €4,903 | ▼ 66.3% |
| Contributions10/11 | €19,000 | €19,000 | - | €19,000 | €19,000 | €19,000 | €19,000 | = |
| Reserves13 | €1,900 | €1,900 | €1,900 | €1,900 | €1,900 | €1,900 | €1,900 | = |
| Non-distributable reserves130/1 | - | - | - | €1,900 | €1,900 | €1,900 | €1,900 | = |
| Reserves not available under the articles1311 | - | - | - | €1,900 | €1,900 | €1,900 | €1,900 | = |
| Profit (loss) carried forward14 | -€2,967 | €8,634 | €28 | €5,574 | €5,936 | -€6,367 | -€15,997 | ▼ 151% |
| Amounts payable17/49 | €199,581 | €154,505 | €164,613 | €189,009 | €207,552 | €177,166 | €110,803 | ▼ 37.5% |
| Amounts payable after more than one year17 | €14,994 | €14,994 | €14,994 | €14,994 | €14,994 | €14,994 | €14,994 | = |
| Financial debts170/4 | - | - | - | €14,994 | €14,994 | €14,994 | €14,994 | = |
| Amounts payable within one year42/48 | €184,587 | €139,511 | €149,619 | €174,015 | €192,558 | €162,173 | €95,810 | ▼ 40.9% |
| Trade debts44 | €20,412 | €24,693 | €34,167 | €33,882 | €22,711 | €23,443 | €45,405 | ▲ 93.7% |
| Suppliers440/4 | - | - | - | €33,882 | €22,711 | €23,443 | €45,405 | ▲ 93.7% |
| Taxes, remuneration and social security45 | - | - | - | €64,320 | €94,034 | €82,901 | €49 | ▼ 99.9% |
| Taxes450/3 | - | - | - | €8,253 | €15,033 | €20,024 | €49 | ▼ 99.8% |
| Remuneration and social security454/9 | - | - | - | €56,067 | €79,001 | €62,877 | - | - |
| Other amounts payable47/48 | - | - | - | €75,813 | €75,813 | €55,828 | €50,355 | ▼ 9.8% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,463 | €11,600 | -€8,606 | €5,547 | €361 | -€12,303 | -€9,630 | ▲ 21.7% |
| + Depreciation and write-downs630 | €9,374 | €8,655 | €8,097 | €4,756 | €3,440 | - | - | - |
| Operating cash flow (approximation) | €11,837 | €20,255 | -€509 | €10,303 | €3,801 | -€12,303 | -€9,630 | ▲ 21.7% |
| Investment in fixed assets (approximation) | - | -€1,400 | €0 | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€30,009 | €3,961 | -€2,710 | €3,329 | -€6,476 | -€5,479 | ▲ 15.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 23 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2024 | micro format | 22-12-2025 | 2025-00587466 |
| 31-12-2023 | micro format | 27-12-2024 | 2024-00627376 |
| 31-12-2022 | micro format | 09-11-2023 | 2023-00509219 |
| 31-12-2021 | micro format | 16-09-2022 | 2022-20432055 |
| 31-12-2020 | micro format | 24-09-2021 | 2021-68300094 |
| 31-12-2019 | micro format | 13-10-2020 | 2020-61200088 |
| 31-12-2018 | micro format | 28-08-2019 | 2019-53000381 |
| 31-12-2017 | micro format | 03-10-2018 | 2018-68900089 |
| 31-12-2016 | micro format | 29-08-2017 | 2017-51300290 |
| 31-12-2015 | full format | 29-11-2016 | 2016-68700284 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Owners and capital
Capital and shareholders
- 01-12-2023 Converted to unavailable equity · €20,900
Group and network
Connections & network
No sitting directors or connected companies in the Gazette act read.
History
Acts, filings and financial milestones
01-12
Gazette deed
Amendment of the articles · Legal-form change · Resignations & appointmentsLegal-form conversion · Capital conversion · Director in office7 facts ▸
- Legal-form conversion, “société à responsabilité limitée” (deed in French)
- Capital conversion, “compte de capitaux propres statutairement indisponible” (deed in French)
- Other provision, “limitation du compte de capitaux propres statutairement indisponible”, EUR (deed in French)
- Amendment of the articles
- Other provision, “apports-actions émises”, 100 (deed in French)
- Director in office, ACHAARA Abdelaâziz (director)
- Power of attorney (2 times)
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 26 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21815D0260/00K010 | Brussels | 67 m² | 1 · 50 m² | 16.1 m · 5 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “A)l'étude,la recherche,la conception,le développement,b mise en place et la commercialisation de technologies et de systèmes informatisés,de…” (deed in French)
13 activities (deed in French)
- A)l'étude,la recherche,la conception,le développement,b mise en place et la commercialisation de technologies et de systèmes informatisés,de système de régulation,d'exploitation,de gestion assistée,administrative,commerciale,industrielle;la création et la commercialisation de programmes informatiques et de tout software
- B)à l'achat,la vente,la fabrication,l'importation,l'exportation,la représentation,l'entretien,la réparation,la distribution,la transformation,la location de tout appareil,tout matériel électrique,mécanique,électronique,informatique,audio-visuel,et en général de tous biens meubles
- C)la télématique et les télécommunications
- D)la consultance,l'organisation de cours et de séminaires afférents aux objets précités
- E)l'achat ci la vente d'ordinateurs,de matériel informatique et périphérique,de logiciels existants,de composants électroniques pour micro-ordinateurs
- F)l'écriture de programmes informatiques et le développement d'applications sur mesure
- G)L'achat et la vente,l'import-export de tous appareils électroménagers,TV,vidéos,appareils photos,films,bandes magnétiques,cassettes,tous articles imprimés ou enregistrés ainsi qu'appareils,instruments et accessoires permettant la lecture,vision ou audition
- H)lentes solaires,enseignes lumineuses,marquises,isolation thermique el acoustique
- Acquérir,vendre,louer,donner en location bans immeubles
- Réaliser son objet tant en Belgique qu'à l'étranger
- Prendre toutes participations dans toutes sociétés,entreprises ou associations ayant un objet semblable,similaire connexe eu sien
- S'intéresser par apport,fusion,souscription,participation,intervention financière ou autrement,dans toutes sociétés et entreprises existantes ou à créer en Belgique ou à l'étranger,dont l'objet serait analogue ou connexe ou susceptible de favoriser le développement des affaires
- Exercer un mandat d'administrateur dans toute société ou association et se porter garant pour des tiers
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- A-Z COMPUTING
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région de Bruxelles-Capitale, organe d’administration” (deed in French)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- Each director alone
- Board ruleHow the board is made up, meets and takes decisions.
- “Organe d'administration, assemblée qui nomme fixe nombre et durée mandat” (deed in French)
Capital, shares and profit
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- One provision in the deed
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- First Monday of June at 18:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Prévues pour modifications statuts, assemblée générale” (deed in French)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Pouvoirs et émoluments, dissolution pour quelque cause et à quelque moment” (deed in French)