AIZ Group
ActiveThe computed 12-month bankruptcy probability of AIZ Group is 2.4% (moderate). The 2025 annual accounts show equity of €12k and a net result of €81. Equity is shrinking by ~27.5% per year across the filed fiscal years. Its solvency ranks better than 23% of 27711 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability42▲+42
Solvency46▼-2
Growth32=
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.4 against 2.32 in 2024; short-term debt: 48.8% and cash: 2.9% of total assets), and 78.7% 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.
+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-01-2026, 26 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
26 d early
2024
29 d early
2023
294 d late
2022
352 d late
← 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 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€12k▲ 0.7%
2024 · €12k
2022: €25k
2023: €27k
2024: €12k
2022 → 2025
Total assets
€55k▲ 7.1%
2024 · €51k
2022: €90k
2023: €71k
2024: €51k
2022 → 2025
Net result
€81
2024 · €-15k
2022: €10k
2023: €2k
2024: €-15k
2022 → 2025
Working capital
€11k▼ 62.8%
2024 · €29k
2022: €7k
2023: €37k
2024: €29k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€25k-€27k▲ 6.7%€12k▼ 56.8%€12k▲ 0.7%
Operating result€13k-€5k▼ 63.8%€-14k€3k
Net result€10k-€2k▼ 83.5%€-15k€81
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3k after a loss of €14k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €55k
Fixed assets
€17k
Current assets
€38k
Equity and liabilities €55k
Equity
€12k▲ 0.7%
Debt
€43k▲ 8.9%
The debt ratio rises from 77.4% to 78.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€8k
Cash flow
€6k
Solvency
21.3%▼
2024 · 22.6%
Current ratio
1.40▼
2024 · 2.32
Quick ratio
1.40▼
2024 · 2.32
Debt / equity
3.70▲
2024 · 3.42
ROE
0.7%▲
2024 · -131.7%
ROA
0.1%▲
2024 · -29.8%
Interest coverage
2.82
Debt
€43k▲
2024 · €40k
Debt ≤ 1 year
€27k▲
2024 · €22k
Debt > 1 year
€16k▼
2024 · €18k
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€51k€55k▲
Formation expenses20€0€0=
Fixed assets21/28-€17k
Tangible fixed assets22/27-€17k
Furniture and vehicles24-€17k
Current assets29/58€51k€38k▼
Amounts receivable within one year40/41€50k€35k▼
Trade receivables40€40k€20k▼
Other amounts receivable41€10k€16k▲
Cash at bank and in hand54/58€848€2k▲
Deferred charges and accrued income490/1-€716
Equity and liabilities
Total equity and liabilities10/49€51k€55k▲
Equity10/15€12k€12k▲
Contributions10/11€15k€15k=
Profit (loss) carried forward14€-3k€-3k▲
Amounts payable17/49€40k€43k▲
Amounts payable after more than one year17€18k€16k▼
Financial debts170/4€18k€16k▼
Amounts payable within one year42/48€22k€27k▲
Current portion of amounts payable after more than one year42€7k€11k▲
Trade debts44€15k€16k▲
Suppliers440/4€15k€16k▲
Taxes, remuneration and social security45€293€32▼
Taxes450/3-€32
Remuneration and social security454/9€293-
Income statement
Code20242025
Non-recurring operating income76A-€293
Remuneration, social security and pensions62€4k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€6k
Other operating charges640/8€950€2k▲
Non-recurring operating charges66A€27k-
Gross operating margin9900€18k€10k▼
Operating profit (loss)9901€-14k€3k▲
Financial income75/76B€0€400▲
Recurring financial income75€0€400▲
Non-recurring financial income76B-€400
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€-16k€81▲
Income taxes67/77€-859-
Profit (loss) for the period9904€-15k€81▲
Profit (loss) for the period to be appropriated9905€-15k€81▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-3k▲
Profit (loss) brought forward from the previous period14P€12k€-3k▼
The notes to these accounts (8 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
05-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €81
Net result €81 after one loss-making year.
02-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 294 days late
30-06
Financial
Weakest financial yearnet €-15k ▼1006%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
18-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 352 days late
2023
30-06
Financial
Liquidity triplescurrent ratio 2.89
Current ratio from 1.11 to 2.89; short-term debt falls from €65k to €20k.
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, Gent · 1 establishment unit since 2020
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.
Sint-Salvatorstraat 1519000 GentGround area
170 m²
Building footprint
171 m²
Volume, LiDAR
1,769 m³
Parcel 44021A1734/00D000, Flanders · tallest building 14.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
AIZ Group
since 20202.312.019.051
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44021A1734/00D000 | Flanders | 170 m² | 1 · 171 m² | 14.5 m · 4 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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DALION
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CDTEC
BE 0883.019.506
Visé · Eq €12k
ECOTECH VERHAEGE
BE 0792.202.067
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C.B.S SOLUTIONS
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Of 22,826 companies in sector 43211 we hold annual accounts for 10,327. 5,950 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-12-2020
Fiscal year end30-06
Activities, NACEBEL
43211General electrical installation work
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0493304112