Turnover
≈ €120,000 estimated
The micro format states no turnover.
ANZ
Lifetime
3 annual accounts with figures on one time axispeak €22,485 (2025)
€22,485▲ 396%
peak €15,634 (2025)
€15,634▲ 610%
peak €32,177 (2025)
€32,177▲ 94.5%
€22,486▲ 36.5%
Board1 name since 2023
1 directorSAADIA Hamena Amine
Documentsfilings and deeds
23-09-202654 days late
2025micro format
Gross margin from €4,533 to €22,485Result from €2,201 to €15,634Equity from €16,543 to €32,177Debts from €16,475 to €22,486Investments €3,500Cash from €10,136 to €19,949
Key points
from the 2025 annual accountsInvestments
€3,500 3.9 × depreciation
Green is investment, beige is depreciation.
Filings
3 annual accounts 2 late
The 2024 accounts came latest: 55 days after the end of the period.
Checked score
95
Excellent
Financially stronger than 70% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%lowest value
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: 0.1%▲ +0.1 percentage points vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.2%▲ +0.1 percentage points vs 08-2025
10-2025: 0.1%▼ -0.1 percentage points vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.2%▲ +0.1 percentage points vs 07-2026
09-2026: 0.3%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 0.1%▼ -0.2 percentage points vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 54 days late; 2 of the last 3 accounts late
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Liquidity: current ratio 2.28, cash €19,949
Equity €32,177 (58.9% of total assets)
Calculation
The band follows from the bankruptcy probability. 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 62, micro). It does better than 51% of them on solvency, 59% on liquidity, 82% on profitability and 89% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as ANZ has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of ANZ itself is lower: 0.1% within 12 months. It rests on far more data about ANZ than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for ANZ. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €3,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.28 (1.96 in 2024), above the usual 1.5. Short-term debt is 41.1% and cash 36.5% of total assets. 41.1% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 54 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-09-2026, 54 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filingsDeviation from the deadline
2025
54 days late
2024
55 days late
2023
20 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 30 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 23 September (3 of the last 3 accounts filed within 73 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1000131069
Incorporation
Founding capital of €2,000, 100 shares · Founder: SAÂDIA Hamena Amine · Appointment: SAÂDIA Hamena Amine (director) · published on 25-09-2023 · Gazette deed
First establishment
Smedenpoort 4, Aalter
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ANZ Aalter | €54,663 | €22,485 | 58.9% | - |
| Dgitaal Ghent | €55,119 | €25,499 | 69.4% | - |
| Insight Dynamics Kaprijke | €54,685 | €23,946 | 34.5% | - |
| Clict Destelbergen | €46,057 | €21,158 | 36.0% | - |
| Rebel Scrum Antwerp | €52,704 | €23,176 | 80.1% | - |
| ZIBOE Engineering & Advies Antwerp | €54,239 | €21,255 | 66.2% | - |
| VDGT Consultancy Leopoldsburg | €56,652 | €21,003 | 49.1% | - |
These companies have the same main activity as ANZ: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €46,100 and €56,700, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 21-09-2023Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 3 others
- Establishment unit
- 2.351.453.1159880 Aalter, since 21-09-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 23-09-2025
Insights on ANZ
ANZ files the micro format. That format states no turnover. The gross margin rose from €15,536 in 2023 to €22,485 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about ANZ
- What is the company number of ANZ?
- The company number of ANZ is 1000.131.069. The VAT number is the same number with BE in front: BE 1000.131.069.
- Where is ANZ based?
- The registered office is at Smedenpoort 4, 9880 Aalter.Company details
- What does ANZ do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of ANZ?
- ANZ is a private limited company (BV).
- When was ANZ founded?
- ANZ was founded on 21-09-2023.
- Is ANZ still active?
- Yes, ANZ is an active enterprise in the KBO register.
- What is the turnover of ANZ?
- The turnover in financial year 2025 is ≈ €120,000. This figure is estimated from the gross margin of €22,485 and 73 comparable companies (NACE 62200). It probably lies between €58,000 and €240,000. It is a rough estimate.Financials
- Is ANZ profitable?
- In financial year 2025, ANZ made a profit of €15,634.
- Where can I find the annual accounts of ANZ?
- ANZ filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ANZ due?
- ANZ must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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