Financials
- Fiscal year
- 2025
- Total assets
- €213,628
- Profit
- €55,123
- Solvency
- 42.1%
Total assets▼ 80.8%
Net result
20182025
ALFAZ
ActiveSummary
ALFAZ has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €90,019 and a net result of €55,123. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 54% of 2412 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201
1 site
Size
€213,628total assets 2025
- Equity
- €90,019
- Profit
- €55,123
Turnover not published (abridged schema)
Structure
Accounts 28 d early0 of 2 deeds read
Why 92- Sector Construction of residential and non-residential buildings (NACE 41)- Size: total assets €213,628+ Liquidity: current ratio 3.26, cash €198,865+ Equity €90,019 (42.1% of total assets)Show the evidence
Checked score
Score 2025
92
/ 100
Excellent
Probability in this band: under 0.55%
Better than 81% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
67+39
equity 42.1% of total assets
Liquidity
88+80
short-term debt 29.8% · cash 93.1%
Profitability
100+56
return on assets 25.8%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 13 months
10-2025: 1.0%
11-2025: 0.9%▼ -4.8% vs 10-2025
12-2025: 0.9%● 0.0% vs 11-2025
01-2026: 0.9%▼ -0.6% vs 12-2025
02-2026: 1.0%▲ +1.5% vs 01-2026
03-2026: 1.0%▲ +3.9% vs 02-2026
04-2026: 0.8%▼ -17.8% vs 03-2026
05-2026: 0.9%▲ +7.4% vs 04-2026
06-2026: 1.0%▲ +9.1% vs 05-2026
07-2026: 1.0%▲ +8.7% vs 06-2026highest value
08-2026: 0.2%▼ -80.5% vs 07-2026lowest value
09-2026: 0.2%● 0.0% vs 08-2026lowest value
10-2026: 0.2%● 0.0% vs 09-2026lowest value
- Liquidity: current ratio 3.26, cash €198,865 lowers the probability
- Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
- Size: total assets €213,628 raises the probability for this profile
- Equity €90,019 (42.1% of total assets) lowers the probability
Credit up to €8,000 at 30 days acceptable
Liquidity ample (current ratio 3.26 against 1.04 in 2024; short-term debt: 29.8% and cash: 93.1% of total assets), but 57.9% 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 41, micro). Better than this share of them on solvency 50%, liquidity 89%, profitability 92%, growth against the median 92%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 03-07-2026, 28 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
28 d early
2024
14 d early
2023
50 d early
2022
14 d early
2021
80 d early
2020
31 d late
2019
56 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 14 days before 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. Usually files around 3 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Liquidity triplescurrent ratio 3.26
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 12
- Since
- 2019
- Next accounts
- by 31-07-2027
- 03-07-2026Annual accounts filed
- 31-12-2025Liquidity triples
- 17-07-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- General construction of residential buildingsNACE 41001
- Founded
- 14-02-2018
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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