AZ & Associates
InactiveNo longer registered with the KBO since 12-05-2026; last annual accounts for fiscal year 2025.
Signals
Three signals. The signal on the left, the evidence on the right.
○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 12-02-2026, 169 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
169 d early
2024
21 d late
2023
26 d late
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€247k▲ 79.0%
2024 · €138k
2023: €35k
2024: €138k
2023 → 2025
Total assets
€428k▲ 86.7%
2024 · €229k
2023: €104k
2024: €229k
2023 → 2025
Net result
€143k▲ 38.4%
2024 · €103k
2023: €34k
2024: €103k
2023 → 2025
Working capital
€211k▲ 133%
2024 · €91k
2023: €-13k
2024: €91k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€35k-€138k▲ 296%€247k▲ 79.0%
Operating result€44k-€153k▲ 249%€205k▲ 34.4%
Net result€34k-€103k▲ 205%€143k▲ 38.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 34% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €428k
Fixed assets
€36k▼ 25.3%
Current assets
€392k▲ 117%
Equity and liabilities €428k
Equity
€247k▲ 79.0%
Debt
€180k▲ 98.3%
The debt ratio rises from 39.7% to 42.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€217k▲
2024 · €164k
Cash flow
€154k▲
2024 · €114k
Solvency
57.8%▼
2024 · 60.3%
Current ratio
2.17▲
2024 · 2.00
Quick ratio
2.17▲
2024 · 2.00
Debt / equity
0.73▲
2024 · 0.66
ROE
57.8%▼
2024 · 74.8%
ROA
33.4%▼
2024 · 45.1%
Interest coverage
368.57▲
2024 · 253.04
Debt
€180k▲
2024 · €91k
Debt ≤ 1 year
€180k▲
2024 · €90k
Income taxes
€69k▲
2024 · €51k
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€229k€428k▲
Fixed assets21/28€48k€36k▼
Tangible fixed assets22/27€48k€36k▼
Furniture and vehicles24€48k€36k▼
Current assets29/58€181k€392k▲
Amounts receivable within one year40/41€68k€219k▲
Trade receivables40€2k€0▼
Other amounts receivable41€67k€219k▲
Cash at bank and in hand54/58€110k€172k▲
Deferred charges and accrued income490/1€2k€0▼
Equity and liabilities
Total equity and liabilities10/49€229k€428k▲
Equity10/15€138k€247k▲
Contributions10/11€1k€1k=
Reserves13€103k€246k▲
Distributable reserves133€103k€246k▲
Profit (loss) carried forward14€34k€0▼
Amounts payable17/49€91k€180k▲
Amounts payable within one year42/48€90k€180k▲
Financial debts43€5k€3k▼
Credit institutions430/8€5k€3k▼
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Taxes, remuneration and social security45€82k€139k▲
Taxes450/3€82k€139k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€0€34k▲
Accrued charges and deferred income492/3€602€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Other operating charges640/8€677€2k▲
Non-recurring operating charges66A-€827
Gross operating margin9900€164k€219k▲
Operating profit (loss)9901€153k€205k▲
Financial income75/76B€2k€8k▲
Recurring financial income75€2k€8k▲
Financial charges65/66B€647€588▼
Recurring financial charges65€647€588▼
Profit (loss) for the period before taxes9903€154k€212k▲
Income taxes67/77€51k€69k▲
Profit (loss) for the period9904€103k€143k▲
Profit (loss) for the period to be appropriated9905€103k€143k▲
Appropriation of the result
Profit (loss) to be appropriated9906€137k€177k▲
Profit (loss) brought forward from the previous period14P€34k€34k=
Transfer to equity691/2€103k€143k▲
To other reserves6921€103k€143k▲
Profit to be distributed694/7-€34k
Return on contributions (dividend)694-€34k
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
12-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €143k ▲38.4%
Operating result €205k, net result €143k, both a record.
31-12
Financial
Equity above €200kEq €247k ▲79%
3 profitable years in a row build equity to €247k.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 2.00
Current ratio from 0.81 to 2.00.
31-12
Financial
Equity above €100kEq €138k ▲296%
2 profitable years in a row build equity to €138k.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Elsene
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.
Louizalaan 3411050 ElseneGround area
1,651 m²
Building footprint
460 m²
Volume, LiDAR
16,065 m³
Parcel 21807G0214/00R000, Brussels · tallest building 39.8 m, ±12 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0214/00R000 | Brussels | 1,651 m² | 1 · 460 m² | 39.8 m · 12 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 22,051 companies in sector 69101 we hold annual accounts for 9,053. 6,994 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-2023
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.