A-Z EXPERTS
ActiveA-Z EXPERTS has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €-8k. Equity is growing by ~30.7% per year across the filed fiscal years. Its solvency ranks better than 75% of 9388 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-17
Solvency100▲+13
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 3.71 against 2.3 in 2024; short-term debt: 22.4% and cash: 0.1% of total assets), and 22.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
77.6%
Return on assets
-31.2%
Age of the figures
15 mo
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
202122232425
2020 to 2025 · latest year €-8k
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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 · 6 filingsDeviation from the deadline
2025
2 d late
2024
60 d late
2023
7 d late
2022
6 d early
2021
24 d late
2020
18 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k▼ 28.7%
2024 · €27k
2020: €4k
2021: €12k
2022: €5k
2023: €28k
2024: €27k
2020 → 2025
Total assets
€25k▼ 43.3%
2024 · €45k
2020: €31k
2021: €47k
2022: €28k
2023: €44k
2024: €45k
2020 → 2025
Net result
€-8k▼ 762%
2024 · €-913
2020: €6k
2021: €28k
2022: €7k
2023: €24k
2024: €-913
2020 → 2025
Working capital
€15k▼ 31.2%
2024 · €22k
2020: €1k
2021: €9k
2022: €493
2023: €24k
2024: €22k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€5k▼ 61.5%€28k▲ 490%€27k▼ 3.2%€20k▼ 28.7%
Operating result€37k-€12k▼ 66.9%€30k▲ 141%€-760€-8k▼ 916%
Net result€28k-€7k▼ 74.0%€24k▲ 222%€-913€-8k▼ 762%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8k in 2025 against €760 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €25k
Fixed assets
€4k▼ 18.0%
Current assets
€21k▼ 46.7%
Equity and liabilities €25k
Equity
€20k▼ 28.7%
Debt
€6k▼ 66.8%
The debt ratio falls from 38.3% to 22.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-7k▼
2024 · €11
Cash flow
€-7k▼
2024 · €-143
Solvency
77.6%▲
2024 · 61.7%
Current ratio
3.71▲
2024 · 2.30
Quick ratio
3.71▲
2024 · 2.30
Debt / equity
0.29▼
2024 · 0.62
ROE
-40.2%▼
2024 · -3.3%
ROA
-31.2%▼
2024 · -2.0%
Interest coverage
-44.78▼
2024 · 0.07
Debt
€6k▼
2024 · €17k
Debt ≤ 1 year
€6k▼
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€45k€25k▼
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€305€219▼
Furniture and vehicles24€2k€1k▼
Financial fixed assets28€3k€3k=
Current assets29/58€39k€21k▼
Amounts receivable within one year40/41€39k€21k▼
Trade receivables40€17k€6k▼
Other amounts receivable41€22k€15k▼
Cash at bank and in hand54/58€71€14▼
Equity and liabilities
Total equity and liabilities10/49€45k€25k▼
Equity10/15€27k€20k▼
Contributions10/11€4k€4k=
Profit (loss) carried forward14€23k€16k▼
Amounts payable17/49€17k€6k▼
Amounts payable within one year42/48€17k€6k▼
Trade debts44€7k€4k▼
Suppliers440/4€7k€4k▼
Taxes, remuneration and social security45€10k€1k▼
Taxes450/3€9k€1k▼
Remuneration and social security454/9€1k-
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€52k€36k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€771€940▲
Other operating charges640/8€2k€387▼
Gross operating margin9900€2k€-6k▼
Operating profit (loss)9901€-760€-8k▼
Financial charges65/66B€153€151▼
Recurring financial charges65€153€151▼
Profit (loss) for the period before taxes9903€-913€-8k▼
Profit (loss) for the period9904€-913€-8k▼
Profit (loss) for the period to be appropriated9905€-913€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€16k▼
Profit (loss) brought forward from the previous period14P€24k€23k▼
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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 2 days late
2025
30-06
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series.
01-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
07-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
2023
30-06
Financial
Liquidity triplescurrent ratio 2.58
Current ratio from 1.02 to 2.58; short-term debt falls from €24k to €15k.
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
30-06
Financial
Highest result since 2020net €28k ▲342%
Operating result €37k, net result €28k, both a record.
13-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Namur · 1 establishment unit since 2019
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.
Chemin Vert(NN) 375100 NamurGround area
881 m²
Building footprint
158 m²
Volume, LiDAR
862 m³
Parcel 92095B0003/00M002, Wallonia · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
A-Z EXPERTS
since 20192.294.628.535
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92095B0003/00M002 | Wallonia | 880 m² | 1 · 158 m² | 8.2 m · 2 fl. |
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.
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Of 1,760 companies in sector 71122 we hold annual accounts for 769. 519 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-10-2019
Fiscal year end30-06
Activities, NACEBEL
71122Land surveying
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68310Real estate agency activities
68311Real estate activities
68322Real estate appraisal on a fee or contract basis
71121Engineering and related technical consultancy, excluding land surveyors
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@azexperts.be
Phone:+32475869586