Summary
AZB MANAGEMENT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €331,657 and a net result of €146,181. Equity is growing by ~40.8% per year across the filed fiscal years. Its solvency ranks better than 78% of 8091 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
28 d late
2024
2 d early
2023
30 d early
2022
21 d early
2021
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 1 day after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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. Usually files around 29 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€331,657▲ 78.8%
2024 · €185,476
Net result
€146,181▲ 722%
2024 · €17,793
Total assets
€412,369▲ 30.6%
2024 · €315,788
Solvency
80.4%▲ 21.7pp
2024 · 58.7%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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€39,225-€69,062▲ 76.1%€53,733▼ 22.2%€34,164▼ 36.4%€56,964▲ 66.7%
Net result€25,012within the sector's middle half-€50,982within the sector's middle half▲ 104%€76,689within the sector's middle half▲ 50.4%€17,793within the sector's middle half▼ 76.8%€146,181above the sector's middle half▲ 722%
Equity€40,012within the sector's middle half-€90,994within the sector's middle half▲ 127%€167,683within the sector's middle half▲ 84.3%€185,476within the sector's middle half▲ 10.6%€331,657within the sector's middle half▲ 78.8%
Total assets€287,038within the sector's middle half-€295,674within the sector's middle half▲ 3.0%€335,489within the sector's middle half▲ 13.5%€315,788within the sector's middle half▼ 5.9%€412,369within the sector's middle half▲ 30.6%
Debt€247,025-€204,680▼ 17.1%€167,806▼ 18.0%€130,312▼ 22.3%€80,713▼ 38.1%
Working capital-€67,668below the sector's middle half--€47,268below the sector's middle half▲ 30.1%-€40,344below the sector's middle half▲ 14.6%-€52,582below the sector's middle half▼ 30.3%€59,953within the sector's middle half
Solvency13.9%below the sector's middle half-30.8%within the sector's middle half▲ 16.8pp50.0%within the sector's middle half▲ 19.2pp58.7%within the sector's middle half▲ 8.8pp80.4%above the sector's middle half▲ 21.7pp
Current ratio0.14below the sector's middle half-0.28below the sector's middle half▲ 0.140.37below the sector's middle half▲ 0.090.13below the sector's middle half▼ 0.242.34within the sector's middle half▲ 2.21
Return on assets (ROA)8.7%within the sector's middle half-17.2%within the sector's middle half▲ 8.5pp22.9%within the sector's middle half▲ 5.6pp5.6%within the sector's middle half▼ 17.2pp35.4%above the sector's middle half▲ 29.8pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 67% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €412,369
Fixed assets
€307,750 ▼ 0.1%
Current assets
€104,619 ▲ 1,228%
Equity and liabilities €412,369
Equity
€331,657 ▲ 78.8%
Debt
€80,713 ▼ 38.1%
Debt's share of the balance-sheet total falls from 41.3% to 19.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
44.1%▲
2024 · 9.6%
Debt ≤ 1 year
€44,667▼
2024 · €60,463
Debt > 1 year
€32,446▼
2024 · €69,850
Income taxes
€11,493▲
2024 · €10,208
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €204 | €362 | €362 | €158 | ▼ 56.4% |
| Other operating charges640/8 | €695 | €348 | €6,195 | €425 | €400 | ▼ 6.0% |
| Gross operating margin9900 | €39,920 | €69,614 | €60,290 | €34,951 | €57,522 | ▲ 64.6% |
| Operating profit (loss)9901 | €39,225 | €69,062 | €53,733 | €34,164 | €56,964 | ▲ 66.7% |
| Financial income75/76B | - | - | €40,000 | - | €113,280 | - |
| Recurring financial income75 | - | - | €40,000 | - | €113,280 | - |
| Financial charges65/66B | €5,876 | €5,322 | €4,814 | €6,163 | €12,571 | ▲ 104% |
| Recurring financial charges65 | €5,876 | €5,322 | €4,814 | €6,163 | €12,571 | ▲ 104% |
| Profit (loss) for the period before taxes9903 | €33,350 | €63,740 | €88,919 | €28,001 | €157,673 | ▲ 463% |
| Income taxes67/77 | €8,337 | €12,758 | €12,230 | €10,208 | €11,493 | ▲ 12.6% |
| Profit (loss) for the period9904 | €25,012 | €50,982 | €76,689 | €17,793 | €146,181 | ▲ 722% |
| Profit (loss) for the period to be appropriated9905 | €25,012 | €50,982 | €76,689 | €17,793 | €146,181 | ▲ 722% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €287,038 | €295,674 | €335,489 | €315,788 | €412,369 | ▲ 30.6% |
| Fixed assets21/28 | €276,000 | €276,882 | €311,520 | €307,908 | €307,750 | ▼ 0.1% |
| Tangible fixed assets22/27 | - | €882 | €520 | €158 | - | - |
| Furniture and vehicles24 | - | €882 | €520 | €158 | - | - |
| Financial fixed assets28 | €276,000 | €276,000 | €311,000 | €307,750 | €307,750 | = |
| Current assets29/58 | €11,038 | €18,793 | €23,969 | €7,880 | €104,619 | ▲ 1,228% |
| Amounts receivable within one year40/41 | €3,707 | €18,223 | €21,610 | €5,061 | €96,387 | ▲ 1,805% |
| Trade receivables40 | - | €14,520 | €20,570 | - | €12,100 | - |
| Other amounts receivable41 | €3,707 | €3,703 | €1,040 | €5,061 | €84,287 | ▲ 1,565% |
| Cash at bank and in hand54/58 | €6,997 | €237 | €2,026 | €2,184 | €8,232 | ▲ 277% |
| Deferred charges and accrued income490/1 | €333 | €333 | €333 | €635 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €287,038 | €295,674 | €335,489 | €315,788 | €412,369 | ▲ 30.6% |
| Equity10/15 | €40,012 | €90,994 | €167,683 | €185,476 | €331,657 | ▲ 78.8% |
| Contributions10/11 | €15,000 | €15,000 | €15,000 | €15,000 | €15,000 | = |
| Profit (loss) carried forward14 | €25,012 | €75,994 | €152,683 | €170,476 | €316,657 | ▲ 85.7% |
| Amounts payable17/49 | €247,025 | €204,680 | €167,806 | €130,312 | €80,713 | ▼ 38.1% |
| Amounts payable after more than one year17 | €168,319 | €136,309 | €103,493 | €69,850 | €32,446 | ▼ 53.5% |
| Financial debts170/4 | €168,319 | €136,309 | €103,493 | €69,850 | €32,446 | ▼ 53.5% |
| Amounts payable within one year42/48 | €78,706 | €66,061 | €64,313 | €60,463 | €44,667 | ▼ 26.1% |
| Current portion of amounts payable after more than one year42 | €31,224 | €32,010 | €32,817 | €33,643 | €37,403 | ▲ 11.2% |
| Trade debts44 | €1,289 | €1,262 | €1,264 | €10,443 | €1,037 | ▼ 90.1% |
| Suppliers440/4 | €1,289 | €1,262 | €1,264 | €10,443 | €1,037 | ▼ 90.1% |
| Taxes, remuneration and social security45 | €6,138 | €9,729 | €6,259 | €5,306 | €6,222 | ▲ 17.3% |
| Taxes450/3 | €6,138 | €6,979 | €6,259 | €5,306 | €6,222 | ▲ 17.3% |
| Remuneration and social security454/9 | - | €2,750 | - | - | - | - |
| Other amounts payable47/48 | €40,056 | €23,059 | €23,973 | €11,071 | €4 | ▼ 100.0% |
| Accrued charges and deferred income492/3 | - | €2,310 | - | - | €3,600 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €25,012 | €50,982 | €76,689 | €17,793 | €146,181 | ▲ 722% |
| + Depreciation and write-downs630 | - | €204 | €362 | €362 | €158 | ▼ 56.4% |
| Operating cash flow (approximation) | €25,012 | €51,186 | €77,051 | €18,155 | €146,338 | ▲ 706% |
| Investment in fixed assets (approximation) | - | -€1,086 | -€35,000 | €3,250 | €0 | ▼ 100% |
| Change in cash | - | -€6,760 | €1,789 | €159 | €6,048 | ▲ 3,713% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2021net €146,181 ▲722%
Net result €146,181, the highest in the series.
31-12
Financial
Liquidity times 18current ratio 2.34
Current ratio from 0.13 to 2.34; short-term debt falls from €60,463 to €44,667.
31-12
Financial
Equity above €200,000Eq €331,657 ▲78.8%
5 profitable years in a row build equity to €331,657.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €17,793 ▼76.8%
Net result drops to €17,793, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150,000Eq €167,683 ▲84.3%
3 profitable years in a row build equity to €167,683.
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Merchtem · 1 establishment unit since 2020
Ground area
571 m²
Building footprint
72 m²
Volume, LiDAR
520 m³
Parcel 23012I0180/00A002, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
AZB MANAGEMENT
since 20202.309.841.006
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23012I0180/00A002 | Flanders | 571 m² | 1 · 72 m² | 8.9 m · 2 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.
Structure & network
Owners and holdings
2 holdingsOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 2
-
80%
-
57.5%
According to the 2025 annual accounts of AZB MANAGEMENT and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Similar companies · same sector, comparable size
KRAUSCH AURELIE MANAGEMENT
BE 0878.525.436
Voeren · Eq €331,652
BASTAN
BE 0763.531.342
Wortegem-Petegem · Eq €331,764
Angelo Rizzi
BE 0758.840.304
Genk · Eq €331,785
RAEDAM
BE 0698.943.990
Antwerpen · Eq €331,978
MEYER INVEST
BE 0567.886.302
Léglise · Eq €331,327
Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 13,778 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
Founded10-11-2020
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
73300Public relations and communication consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0757967896
Also
9925:BE0757967896
Registered
16-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.