AFZA
ActiveSummary
AFZA has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24,729 and a net result of €13,842. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 60% of 18458 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency70▲+29
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 1.83 against 1.19 in 2024; short-term debt: 54.7% and cash: 32.6% of total assets), but 54.7% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
45.3%
Return on assets
25.4%
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
10 d early
2023
8 d late
2022
56 d late
2021
24 d late
2020
30 d late
2019
32 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 20 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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.
Companies Code · seven monthsPosition in the running window
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€283,351
EBIT margin
5.4%
Net result
€13,842▼ 25.8%
2024 · €18,644
Working capital
€24,729▲ 127%
2024 · €10,887
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€283,351
Operating result-€13,930€3,579-€5,313€18,644€15,160▼ 18.7%
Net result-€13,930€3,579-€5,313€18,644€13,842▼ 25.8%
EBIT margin5.4%
Equity-€6,023-€2,444▲ 59.4%-€7,757▼ 217%€10,887€24,729▲ 127%
Total assets€40,258▼ 14.1%€50,971▲ 26.6%€49,059▼ 3.8%€69,033▲ 40.7%€54,596▼ 20.9%
Debt€46,281▲ 18.9%€53,415▲ 15.4%€56,817▲ 6.4%€58,146▲ 2.3%€29,867▼ 48.6%
Working capital-€6,212-€2,500▲ 59.8%-€7,757▼ 210%€10,887€24,729▲ 127%
Staff (FTE)2
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 19% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €54,596
Equity
€24,729 ▲ 127%
Debt
€29,867 ▼ 48.6%
Debt's share of the balance-sheet total falls from 84.2% to 54.7%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
1.83▲
2024 · 1.19
Quick ratio
0.86▲
2024 · 0.59
Debt to equity
1.21▼
2024 · 5.34
ROE
56.0%▼
2024 · 171.3%
ROA
25.4%▼
2024 · 27.0%
Debt ≤ 1 year
€29,867▼
2024 · €58,146
Staff costs
€8,722
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | - | €283,351 | - |
| Non-recurring operating income76A | - | - | - | - | €2,218 | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | - | €260,169 | - |
| Remuneration, social security and pensions62 | - | - | - | - | €8,722 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €662 | €134 | €56 | - | - | - |
| Other operating charges640/8 | €75,421 | €93,646 | €102,517 | €78,825 | €1,518 | ▼ 98.1% |
| Gross operating margin9900 | €62,153 | €97,358 | €97,259 | €97,470 | €25,400 | ▼ 73.9% |
| Operating profit (loss)9901 | -€13,930 | €3,579 | -€5,313 | €18,644 | €15,160 | ▼ 18.7% |
| Financial charges65/66B | - | - | - | - | €1,318 | - |
| Recurring financial charges65 | - | - | - | - | €1,318 | - |
| Profit (loss) for the period before taxes9903 | -€13,930 | €3,579 | -€5,313 | €18,644 | €13,842 | ▼ 25.8% |
| Profit (loss) for the period9904 | -€13,930 | €3,579 | -€5,313 | €18,644 | €13,842 | ▼ 25.8% |
| Profit (loss) for the period to be appropriated9905 | -€13,930 | €3,579 | -€5,313 | €18,644 | €13,842 | ▼ 25.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €40,258 | €50,971 | €49,059 | €69,033 | €54,596 | ▼ 20.9% |
| Fixed assets21/28 | €190 | €56 | - | - | - | - |
| Tangible fixed assets22/27 | €190 | €56 | - | - | - | - |
| Furniture and vehicles24 | €190 | €56 | - | - | - | - |
| Current assets29/58 | €40,068 | €50,915 | €49,059 | €69,033 | €54,596 | ▼ 20.9% |
| Stocks and contracts in progress3 | €34,559 | €34,559 | €34,559 | €34,559 | €28,877 | ▼ 16.4% |
| Stocks30/36 | €34,559 | €34,559 | €34,559 | €34,559 | €28,877 | ▼ 16.4% |
| Amounts receivable within one year40/41 | €4,724 | €14,641 | €12,751 | €16,226 | €7,923 | ▼ 51.2% |
| Trade receivables40 | €2,758 | €10,610 | €8,364 | €10,957 | €3,245 | ▼ 70.4% |
| Other amounts receivable41 | €1,966 | €4,032 | €4,387 | €5,269 | €4,679 | ▼ 11.2% |
| Cash at bank and in hand54/58 | €786 | €1,715 | €1,749 | €18,248 | €17,796 | ▼ 2.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €40,258 | €50,971 | €49,059 | €69,033 | €54,596 | ▼ 20.9% |
| Equity10/15 | -€6,023 | -€2,444 | -€7,757 | €10,887 | €24,729 | ▲ 127% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | €18,600 | €18,600 | €18,600 | €18,600 | - | - |
| Issued capital100 | €18,600 | €18,600 | €18,600 | €18,600 | - | - |
| Profit (loss) carried forward14 | -€24,623 | -€21,044 | -€26,357 | -€7,713 | €6,129 | ▲ 179% |
| Amounts payable17/49 | €46,281 | €53,415 | €56,817 | €58,146 | €29,867 | ▼ 48.6% |
| Amounts payable within one year42/48 | €46,281 | €53,415 | €56,817 | €58,146 | €29,867 | ▼ 48.6% |
| Financial debts43 | €3,453 | - | - | - | - | - |
| Credit institutions430/8 | €3,453 | - | - | - | - | - |
| Trade debts44 | €4,200 | - | €3,056 | €2,475 | €4,878 | ▲ 97.1% |
| Suppliers440/4 | €4,200 | - | €3,056 | €2,475 | €4,878 | ▲ 97.1% |
| Advances received on contracts in progress46 | - | €2,657 | - | €1,603 | - | - |
| Taxes, remuneration and social security45 | - | €12,888 | €12,888 | €14,178 | - | - |
| Remuneration and social security454/9 | - | €12,888 | €12,888 | €14,178 | - | - |
| Other amounts payable47/48 | €38,628 | €37,870 | €40,873 | €39,890 | €24,989 | ▼ 37.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€13,930 | €3,579 | -€5,313 | €18,644 | €13,842 | ▼ 25.8% |
| + Depreciation and write-downs630 | €662 | €134 | €56 | - | - | - |
| Operating cash flow (approximation) | -€13,268 | €3,713 | -€5,258 | €18,644 | €13,842 | ▼ 25.8% |
| Investment in fixed assets (approximation) | - | €0 | - | - | - | - |
| Change in cash | - | €930 | €34 | €16,499 | -€452 | ▼ 103% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €18,644
Net result €18,644 after one loss-making year.
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
25-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 56 days late
2022
31-12
Financial
Back to profitnet €3,579
Net result €3,579 after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Weakest financial yearnet -€13,930
Net result drops to -€13,930, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
01-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 32 days late
2019
31-12
Financial
Back to profitnet €2,792
Net result €2,792 after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
02-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 24 acts read
About the unread acts
We know of 24 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
24 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, Sint-Jans-Molenbeek · 2 establishment units since 2002
Ground area
233 m²
Building footprint
176 m²
Volume, LiDAR
2,201 m³
2 parcels, Brussels · tallest building 17.1 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Gentsesteenweg 410, 1080 Sint-Jans-Molenbeek
since 20022.099.186.106
Ninoofse Steenweg 646, 1070 Anderlecht
since 20142.235.346.588
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21302A0025/00R012 | Brussels | 121 m² | 1 · 64 m² | 14.7 m · 4 fl. |
| 21526D0271/00R000 | Brussels | 112 m² | 1 · 112 m² | 17.1 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
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 10,510 companies in sector 47110 we hold annual accounts for 5,847. 4,294 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded01-07-2002
Fiscal year end31-12
Activities, NACEBEL 2025
95316Washing and cleaning of motor vehicles
47110Non-specialised retail sale with food, beverages or tobacco predominating
Scores and ratios are computed by Checked and are not a credit decision.