AZ-CONSEIL
ActiveSummary
AZ-CONSEIL has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €78,635 and a net result of €21,830. Equity is shrinking by ~4% per year across the filed fiscal years. Its solvency ranks better than 88% of 7814 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+15
Solvency100=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity ample (current ratio 8.85 against 12.24 in 2024; short-term debt: 10.9% and cash: 17.2% of total assets), and 10.9% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer 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
89.1%
Return on assets
24.7%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €78,635
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
15 d early
2023
18 d early
2022
4 d late
2021
on the day
2020
53 d late
2019
69 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 11 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% 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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€21,830▲ 142%
2024 · €9,035
Working capital
€75,631▲ 25.3%
2024 · €60,348
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€12,765€1,309▼ 89.7%-€6,072€8,470€24,904▲ 194%
Net result€11,658within the sector's middle half€1,517within the sector's middle half▼ 87.0%-€8,754below the sector's middle half€9,035within the sector's middle half€21,830within the sector's middle half▲ 142%
Equity€67,507within the sector's middle half▲ 20.9%€69,024within the sector's middle half▲ 2.2%€60,270within the sector's middle half▼ 12.7%€65,805within the sector's middle half▲ 9.2%€78,635within the sector's middle half▲ 19.5%
Total assets€82,739within the sector's middle half▲ 18.7%€73,932within the sector's middle half▼ 10.6%€61,882within the sector's middle half▼ 16.3%€71,174within the sector's middle half▲ 15.0%€88,272within the sector's middle half▲ 24.0%
Debt€15,232▲ 9.9%€4,907▼ 67.8%€1,612▼ 67.2%€5,369▲ 233%€9,638▲ 79.5%
Working capital€59,397▲ 27.5%€65,755▲ 10.7%€59,653▼ 9.3%€60,348▲ 1.2%€75,631▲ 25.3%
Solvency81.6%above the sector's middle half▲ 1.5pp93.4%above the sector's middle half▲ 11.8pp97.4%above the sector's middle half▲ 4.0pp92.5%above the sector's middle half▼ 4.9pp89.1%above the sector's middle half▼ 3.4pp
Staff (FTE)0.5
above
within
below
the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 194% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €88,272
Fixed assets
€3,003 ▼ 45.0%
Current assets
€85,269 ▲ 29.8%
Equity and liabilities €88,272
Equity
€78,635 ▲ 19.5%
Debt
€9,638 ▲ 79.5%
Debt's share of the balance-sheet total rises from 7.5% to 10.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€27,358▲
2024 · €10,524
Cash flow
€24,283▲
2024 · €11,089
Current ratio
8.85▼
2024 · 12.24
Debt to equity
0.12▲
2024 · 0.08
ROE
27.8%▲
2024 · 13.7%
ROA
24.7%▲
2024 · 12.7%
Interest coverage
86.78▲
2024 · 26.58
Debt ≤ 1 year
€9,638▲
2024 · €5,369
Income taxes
€3,763▲
2024 · €195
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,672 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.9%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,672 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €8,002 | -€25 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,046 | €5,113 | €2,652 | €2,054 | €2,453 | ▲ 19.4% |
| Other operating charges640/8 | €1,076 | €2,407 | €2,690 | €1,859 | €651 | ▼ 65.0% |
| Gross operating margin9900 | €18,888 | €16,830 | -€756 | €12,383 | €28,009 | ▲ 126% |
| Operating profit (loss)9901 | €12,765 | €1,309 | -€6,072 | €8,470 | €24,904 | ▲ 194% |
| Financial income75/76B | €1,426 | €1,341 | €1,217 | €1,156 | €1,004 | ▼ 13.2% |
| Recurring financial income75 | €1,426 | €1,341 | €1,217 | €1,156 | €1,004 | ▼ 13.2% |
| Financial charges65/66B | €1,549 | €1,156 | €3,899 | €396 | €315 | ▼ 20.4% |
| Recurring financial charges65 | €1,549 | €1,156 | €3,899 | €396 | €315 | ▼ 20.4% |
| Profit (loss) for the period before taxes9903 | €12,643 | €1,494 | -€8,754 | €9,230 | €25,593 | ▲ 177% |
| Income taxes67/77 | €984 | -€23 | - | €195 | €3,763 | ▲ 1,827% |
| Profit (loss) for the period9904 | €11,658 | €1,517 | -€8,754 | €9,035 | €21,830 | ▲ 142% |
| Profit (loss) for the period to be appropriated9905 | €11,658 | €1,517 | -€8,754 | €9,035 | €21,830 | ▲ 142% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €82,739 | €73,932 | €61,882 | €71,174 | €88,272 | ▲ 24.0% |
| Fixed assets21/28 | €8,109 | €3,269 | €617 | €5,457 | €3,003 | ▼ 45.0% |
| Tangible fixed assets22/27 | €8,109 | €3,269 | €617 | €5,457 | €3,003 | ▼ 45.0% |
| Plant, machinery and equipment23 | €720 | €600 | €480 | €480 | €203 | ▼ 57.8% |
| Furniture and vehicles24 | €7,390 | €2,669 | €137 | €4,977 | €2,801 | ▼ 43.7% |
| Current assets29/58 | €74,630 | €70,663 | €61,264 | €65,717 | €85,269 | ▲ 29.8% |
| Amounts receivable after more than one year29 | €50,000 | €45,604 | €41,084 | €36,447 | €31,678 | ▼ 13.1% |
| Other amounts receivable291 | €50,000 | €45,604 | €41,084 | €36,447 | €31,678 | ▼ 13.1% |
| Amounts receivable within one year40/41 | €19,628 | €22,121 | €18,747 | €23,487 | €38,150 | ▲ 62.4% |
| Trade receivables40 | €16,222 | €6,136 | €4,659 | €4,526 | €6,197 | ▲ 36.9% |
| Other amounts receivable41 | €3,405 | €15,985 | €14,088 | €18,961 | €31,954 | ▲ 68.5% |
| Cash at bank and in hand54/58 | €2,239 | €2,938 | €1,433 | €5,783 | €15,168 | ▲ 162% |
| Deferred charges and accrued income490/1 | €2,763 | - | - | - | €273 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €82,739 | €73,932 | €61,882 | €71,174 | €88,272 | ▲ 24.0% |
| Equity10/15 | €67,507 | €69,024 | €60,270 | €65,805 | €78,635 | ▲ 19.5% |
| Contributions10/11 | €50,000 | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Reserves13 | €2,500 | €2,500 | €2,500 | €2,500 | €2,500 | = |
| Non-distributable reserves130/1 | €2,500 | €2,500 | €2,500 | - | - | - |
| Reserves not available under the articles1311 | €2,500 | €2,500 | €2,500 | - | - | - |
| Distributable reserves133 | - | - | - | €2,500 | €2,500 | = |
| Profit (loss) carried forward14 | €15,007 | €16,524 | €7,770 | €13,305 | €26,135 | ▲ 96.4% |
| Amounts payable17/49 | €15,232 | €4,907 | €1,612 | €5,369 | €9,638 | ▲ 79.5% |
| Amounts payable within one year42/48 | €15,232 | €4,907 | €1,612 | €5,369 | €9,638 | ▲ 79.5% |
| Current portion of amounts payable after more than one year42 | €3,768 | - | - | - | - | - |
| Trade debts44 | €4,216 | €2,890 | €1,300 | €957 | €1,019 | ▲ 6.5% |
| Suppliers440/4 | €4,216 | €2,890 | €1,300 | €957 | €1,019 | ▲ 6.5% |
| Taxes, remuneration and social security45 | €7,248 | €2,018 | €312 | €4,411 | €8,619 | ▲ 95.4% |
| Taxes450/3 | €7,248 | €2,018 | €312 | €2,976 | €7,619 | ▲ 156% |
| Remuneration and social security454/9 | - | - | - | €1,435 | €1,000 | ▼ 30.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11,658 | €1,517 | -€8,754 | €9,035 | €21,830 | ▲ 142% |
| + Depreciation and write-downs630 | €5,046 | €5,113 | €2,652 | €2,054 | €2,453 | ▲ 19.4% |
| Operating cash flow (approximation) | €16,705 | €6,630 | -€6,103 | €11,089 | €24,283 | ▲ 119% |
| Investment in fixed assets (approximation) | - | -€272 | -€0 | -€6,894 | €0 | ▲ 100% |
| Change in cash | - | €698 | -€1,505 | €4,350 | €9,385 | ▲ 116% |
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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €21,830 ▲142%
Net result €21,830, the highest in the series.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €9,035
Net result €9,035 after one loss-making year.
13-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 38.01
Current ratio from 14.40 to 38.01; short-term debt falls from €4,907 to €1,612.
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 14.40
Current ratio from 4.90 to 14.40; short-term debt falls from €15,232 to €4,907.
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €11,658
Net result €11,658 after 2 loss-making years.
22-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 53 days late
2020
31-12
Financial
Liquidity times 6current ratio 5.62
Current ratio from 0.98 to 5.62; short-term debt falls from €44,861 to €10,089.
Show earlier events
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 69 days late
2019
31-12
Financial
Weakest financial yearnet -€39,313
Net result drops to -€39,313, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 31 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Andenne · 1 establishment unit since 2009
Ground area
498 m²
Building footprint
155 m²
Parcel 92402G0115/00S000, Wallonia. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
AZ-CONSEIL
since 20092.176.140.263
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92402G0115/00S000 | Wallonia | 498 m² | 1 · 155 m² | - |
Linked by address, not proof of ownership
Good to know
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 24,517 companies in sector 82990 we hold annual accounts for 9,421. 7,148 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
Founded24-11-2008
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
49410Freight transport by road
69109Other legal services
70200Business and other management consultancy
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0807936556
Registered
31-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.