AZ CONSULT
ActiveSummary
AZ CONSULT has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €-9k. Equity is shrinking by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 34% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability4▼-70
Solvency65▼-18
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.35 against 2.93 in 2024; short-term debt: 60% and cash: 24% of total assets), and 60% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
40%
Return on assets
-11.4%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 10-04-2026, 20 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
20 d early
2024
5 d early
2023
28 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▼ 22.2%
2024 · €42k
2023: €39k
2024: €42k▲ +7.3% vs 2023highest in 3 years
2025: €33k▼ -22.2% vs 2024lowest in 3 years
2023 → 2025
Total assets
€81k▲ 13.6%
2024 · €72k
2023: €95khighest in 3 years
2024: €72k▼ -24.2% vs 2023lowest in 3 years
2025: €81k▲ +13.6% vs 2024
2023 → 2025
Net result
€-9k
2024 · €3k
2023: €38khighest in 3 years
2024: €3k▼ -92.5% vs 2023
2025: €-9k▼ -428% vs 2024lowest in 3 years
2023 → 2025
Working capital
€17k▼ 57.8%
2024 · €40k
2023: €28k
2024: €40k▲ +41.0% vs 2023highest in 3 years
2025: €17k▼ -57.8% vs 2024lowest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€39k-€42k▲ 7.3%€33k▼ 22.2%
2023: €39k
2024: €42k▲ +7.3% vs 2023highest in 3 years
2025: €33k▼ -22.2% vs 2024lowest in 3 years
Operating result€48k-€4k▼ 90.7%€-9k
2023: €48khighest in 3 years
2024: €4k▼ -90.7% vs 2023
2025: €-9k▼ -299% vs 2024lowest in 3 years
Net result€38k-€3k▼ 92.5%€-9k
2023: €38khighest in 3 years
2024: €3k▼ -92.5% vs 2023
2025: €-9k▼ -428% vs 2024lowest in 3 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9k after €4k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €81k
Fixed assets
€16k ▲ 45.9%
Current assets
€66k ▲ 8.0%
Equity and liabilities €81k
Equity
€33k ▼ 22.2%
Debt
€49k ▲ 64.0%
Debt's share of the balance-sheet total rises from 41.6% to 60.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-6k▼
2024 · €6k
Cash flow
€-6k▼
2024 · €5k
Current ratio
1.35▼
2024 · 2.93
Debt to equity
1.50▲
2024 · 0.71
ROE
-28.6%▼
2024 · 6.8%
ROA
-11.4%▼
2024 · 4.0%
Interest coverage
-28.73▼
2024 · 47.31
Debt ≤ 1 year
€49k▲
2024 · €21k
Income taxes
€287▼
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€72k€81k▲
Fixed assets21/28€11k€16k▲
Tangible fixed assets22/27€11k€16k▲
Plant, machinery and equipment23€8k€8k▼
Furniture and vehicles24€2k€8k▲
Financial fixed assets28€91€91=
Current assets29/58€61k€66k▲
Amounts receivable within one year40/41€55k€38k▼
Trade receivables40€50k€38k▼
Other amounts receivable41€5k€304▼
Cash at bank and in hand54/58€3k€20k▲
Deferred charges and accrued income490/1€3k€8k▲
Equity and liabilities
Total equity and liabilities10/49€72k€81k▲
Equity10/15€42k€33k▼
Contributions10/11€1k€1k=
Profit (loss) carried forward14€41k€32k▼
Amounts payable17/49€30k€49k▲
Amounts payable within one year42/48€21k€49k▲
Trade debts44€15k€24k▲
Suppliers440/4€15k€24k▲
Taxes, remuneration and social security45€6k€21k▲
Taxes450/3€4k€4k▼
Remuneration and social security454/9€2k€17k▲
Other amounts payable47/48-€4k
Accrued charges and deferred income492/3€9k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€9k€-4k▼
Operating profit (loss)9901€4k€-9k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€132€194▲
Recurring financial charges65€132€194▲
Profit (loss) for the period before taxes9903€4k€-9k▼
Income taxes67/77€1k€287▼
Profit (loss) for the period9904€3k€-9k▼
Profit (loss) for the period to be appropriated9905€3k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€41k€32k▼
Profit (loss) brought forward from the previous period14P€38k€41k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €768 | €2k | €3k | ▲ 81.5% |
| Other operating charges640/8 | €448 | €2k | €2k | ▼ 26.1% |
| Gross operating margin9900 | €49k | €9k | €-4k | ▼ 145% |
| Operating profit (loss)9901 | €48k | €4k | €-9k | ▼ 299% |
| Financial income75/76B | - | - | €0 | - |
| Recurring financial income75 | - | - | €0 | - |
| Financial charges65/66B | €180 | €132 | €194 | ▲ 46.9% |
| Recurring financial charges65 | €180 | €132 | €194 | ▲ 46.9% |
| Profit (loss) for the period before taxes9903 | €48k | €4k | €-9k | ▼ 310% |
| Income taxes67/77 | €10k | €1k | €287 | ▼ 80.4% |
| Profit (loss) for the period9904 | €38k | €3k | €-9k | ▼ 428% |
| Profit (loss) for the period to be appropriated9905 | €38k | €3k | €-9k | ▼ 428% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €95k | €72k | €81k | ▲ 13.6% |
| Fixed assets21/28 | €11k | €11k | €16k | ▲ 45.9% |
| Tangible fixed assets22/27 | €10k | €11k | €16k | ▲ 46.3% |
| Plant, machinery and equipment23 | €9k | €8k | €8k | ▼ 4.0% |
| Furniture and vehicles24 | €1k | €2k | €8k | ▲ 222% |
| Financial fixed assets28 | €91 | €91 | €91 | = |
| Current assets29/58 | €84k | €61k | €66k | ▲ 8.0% |
| Amounts receivable within one year40/41 | €57k | €55k | €38k | ▼ 30.7% |
| Trade receivables40 | €56k | €50k | €38k | ▼ 23.9% |
| Other amounts receivable41 | €304 | €5k | €304 | ▼ 94.3% |
| Cash at bank and in hand54/58 | €27k | €3k | €20k | ▲ 560% |
| Deferred charges and accrued income490/1 | - | €3k | €8k | ▲ 161% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €95k | €72k | €81k | ▲ 13.6% |
| Equity10/15 | €39k | €42k | €33k | ▼ 22.2% |
| Contributions10/11 | €1k | €1k | €1k | = |
| Profit (loss) carried forward14 | €38k | €41k | €32k | ▼ 22.8% |
| Amounts payable17/49 | €56k | €30k | €49k | ▲ 64.0% |
| Amounts payable within one year42/48 | €56k | €21k | €49k | ▲ 135% |
| Trade debts44 | €36k | €15k | €24k | ▲ 65.3% |
| Suppliers440/4 | €36k | €15k | €24k | ▲ 65.3% |
| Taxes, remuneration and social security45 | €15k | €6k | €21k | ▲ 234% |
| Taxes450/3 | €15k | €4k | €4k | ▼ 5.7% |
| Remuneration and social security454/9 | - | €2k | €17k | ▲ 672% |
| Other amounts payable47/48 | €4k | - | €4k | - |
| Accrued charges and deferred income492/3 | - | €9k | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €38k | €3k | €-9k | ▼ 428% |
| + Depreciation and write-downs630 | €768 | €2k | €3k | ▲ 81.5% |
| Operating cash flow (approximation) | €39k | €5k | €-6k | ▼ 230% |
| Investment in fixed assets (approximation) | - | €-2k | €-8k | ▼ 316% |
| Change in cash | - | €-24k | €17k | ▲ 168% |
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
10-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series.
25-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Sint-Pieters-Leeuw · 1 establishment unit since 2022
Ground area
145 m²
Building footprint
70 m²
Volume, LiDAR
605 m³
Parcel 23582E0266/00P005, Flanders · tallest building 13.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
AZ CONSULT
since 20222.341.423.612
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23582E0266/00P005 | Flanders | 145 m² | 1 · 70 m² | 13.0 m · 3 fl. |
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 29,993 companies in sector 62200 we hold annual accounts for 18,396. 14,460 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
Founded18-10-2022
Fiscal year end30-09
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
Scores and ratios are computed by Checked and are not a credit decision.