AZ CONSTRUCTION GENERALE
ActiveThe computed 12-month bankruptcy probability of AZ CONSTRUCTION GENERALE is 2.0% (moderate). The 2024 annual accounts show equity of €63k and a net result of €-7k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 95% of 3549 sector peers (fiscal year 2024). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
51
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability5▼-53
Solvency100=
Growth27▲+5
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 10.53 against 24.7 in 2023; short-term debt: 8.9% and cash: 4.4% of total assets), and 8.9% 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.
−lowers risk+raises risk○neutral
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
91.1%
Return on assets
-10.7%
Age of the figures
20 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
61 d late
2022
153 d late
2021
153 d late
2020
153 d late
2019
342 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
€96k▲ 69.7%
2023 · €57k
2018: €130k
2019: €84k
2020: €5k
2021: €146k
2022: €284k
2023: €57k
2018 → 2024
EBIT margin
-5.1%▼ 7.1pp
2023 · 2.0%
2018: 26.7%
2019: 5.4%
2020: -231.8%
2021: 8.5%
2022: 3.3%
2023: 2.0%
2018 → 2024
Net result
€-7k
2023 · €227
2018: €31k
2019: €4k
2020: €-12k
2021: €8k
2022: €9k
2023: €227
2018 → 2024
Working capital
€58k▼ 14.8%
2023 · €68k
2018: €89k
2019: €61k
2021: €58k
2022: €67k
2023: €68k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€5k-€146k▲ 2,707%€284k▲ 94.7%€57k▼ 80.1%€96k▲ 69.7%
Equity€52k-€60k▲ 15.3%€70k▲ 15.5%€70k▲ 0.3%€63k▼ 10.5%
Operating result€-12k-€12k€9k▼ 24.0%€1k▼ 87.9%€-5k
Net result€-12k-€8k€9k▲ 17.0%€227▼ 97.6%€-7k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €5k after €1k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €69k
Fixed assets
€5k▲ 158%
Current assets
€64k▼ 9.7%
Equity and liabilities €69k
Equity
€63k▼ 10.5%
Debt
€6k▲ 112%
The debt ratio rises from 4.0% to 8.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-4k▼
2023 · €2k
Cash flow
€-6k▼
2023 · €1k
Solvency
91.1%▼
2023 · 96.0%
Current ratio
10.53▼
2023 · 24.70
Quick ratio
10.53▼
2023 · 24.70
Debt / equity
0.10▲
2023 · 0.04
ROE
-11.7%▼
2023 · 0.3%
ROA
-10.7%▼
2023 · 0.3%
Interest coverage
-33.79▼
2023 · 22.20
Debt
€6k▲
2023 · €3k
Debt ≤ 1 year
€6k▲
2023 · €3k
Income taxes
€2k▲
2023 · €824
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€73k€69k▼
Fixed assets21/28€2k€5k▲
Tangible fixed assets22/27€2k€5k▲
Plant, machinery and equipment23€2k€5k▲
Current assets29/58€71k€64k▼
Amounts receivable within one year40/41€66k€61k▼
Trade receivables40€65k€61k▼
Other amounts receivable41€558€558=
Cash at bank and in hand54/58€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€73k€69k▼
Equity10/15€70k€63k▼
Contributions10/11€12k€12k=
Capital10€12k€12k=
Issued capital100€19k€19k=
Uncalled capital101€6k€6k=
Profit (loss) carried forward14€58k€50k▼
Amounts payable17/49€3k€6k▲
Amounts payable within one year42/48€3k€6k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€405€3k▲
Taxes450/3€405€3k▲
Income statement
Code20232024
Turnover70€57k€96k▲
Goods, raw materials, services and sundry goods60/61€54k€99k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€905€895▼
Other operating charges640/8€421€800▲
Gross operating margin9900€2k€-3k▼
Operating profit (loss)9901€1k€-5k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€92€118▲
Recurring financial charges65€92€118▲
Profit (loss) for the period before taxes9903€1k€-5k▼
Income taxes67/77€824€2k▲
Profit (loss) for the period9904€227€-7k▼
Profit (loss) for the period to be appropriated9905€227€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€50k▼
Profit (loss) brought forward from the previous period14P€57k€58k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 61 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 61 days late
2023
31-12
Financial
Liquidity quadruplescurrent ratio 24.70
Current ratio from 6.06 to 24.70; short-term debt falls from €13k to €3k.
31-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 153 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 6.06
Current ratio from 2.57 to 6.06; short-term debt falls from €37k to €13k.
31-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 153 days late
2021
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 153 days late
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 342 days late
2020
31-12
Financial
Weakest financial yearnet €-12k ▼381%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
2019
23-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 145 days late
2018
31-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 153 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 61 days late
17-01
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 170 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2014
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-09-2014
Resigned as Manager
Location & real-estate footprint
Registered office, Sint-Jans-Molenbeek · 1 establishment unit since 2009
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.
Vrijheidslaan 1751080 Sint-Jans-MolenbeekGround area
560 m²
Building footprint
296 m²
Volume, LiDAR
1,907 m³
2 parcels, Brussels, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
AZ CONSTRUCTION GENERALE
since 20092.177.544.090
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21526D0069/02A005 | Brussels | 310 m² | 1 · 243 m² | 10.9 m · 2 fl. |
| 52322B0346/00M055 | Wallonia | 250 m² | 1 · 53 m² | 8.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
L.B.WORKS
BE 0847.463.066
Sint-Jans-Molenbeek · Eq €63k
PJ
BE 0543.451.606
Ukkel · Eq €63k
VLASDYCK
BE 0458.060.229
Zedelgem · Eq €63k
TIBEL -COM
BE 0831.991.962
Anderlecht · Eq €63k
RST BOUWDIENSTEN
BE 0836.173.256
Zaventem · Eq €63k
Of 15,542 companies in sector 43990 we hold annual accounts for 7,421. 6,189 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded15-04-2009
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
43310Plastering work
43331Floor and wall tiling
43910Bricklaying and masonry work
43992Specialised construction activities
43994Specialised construction activities
43995Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.