AZIZ
ActiveAZIZ has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €153k and a net result of €-19k. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 66% of 18035 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-2
Solvency96▼-1
Growth52=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.13 against 2.21 in 2024), and 46.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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 2025Solvency, return and age of the figures
Solvency
53.4%
Return on assets
-6.6%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 14-01-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
18 d early
2023
28 d early
2022
20 d early
2021
18 d early
2020
40 d early
2018
30 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€153k▼ 11.1%
2024 · €172k
2018: €127k
2020: €135k
2021: €163k
2022: €185k
2023: €171k
2024: €172k
2018 → 2025
Total assets
€286k▼ 8.3%
2024 · €312k
2018: €181k
2020: €212k
2021: €264k
2022: €299k
2023: €287k
2024: €312k
2018 → 2025
Net result
€-19k
2024 · €611
2018: €16k
2020: €8k
2021: €28k
2022: €33k
2023: €-14k
2024: €611
2018 → 2025
Working capital
€151k▼ 10.9%
2024 · €169k
2018: €126k
2020: €135k
2021: €164k
2022: €185k
2023: €171k
2024: €169k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€163k-€185k▲ 13.8%€171k▼ 7.7%€172k▲ 0.4%€153k▼ 11.1%
Operating result€28k-€42k▲ 49.3%€-14k€2k€-19k
Net result€28k-€33k▲ 20.6%€-14k€611€-19k
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 €19k after €2k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €286k
Fixed assets
€2k▼ 20.6%
Current assets
€284k▼ 8.2%
Equity and liabilities €286k
Equity
€153k▼ 11.1%
Debt
€133k▼ 4.8%
The debt ratio rises from 44.9% to 46.6%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-18k▼
2024 · €2k
Cash flow
€-19k▼
2024 · €679
Solvency
53.4%▼
2024 · 55.1%
Current ratio
2.13▼
2024 · 2.21
Quick ratio
1.11▲
2024 · 0.63
Debt / equity
0.87▲
2024 · 0.82
ROE
-12.4%▼
2024 · 0.4%
ROA
-6.6%▼
2024 · 0.2%
Interest coverage
-86.94▼
2024 · 5.32
Debt
€133k▼
2024 · €140k
Debt ≤ 1 year
€133k▼
2024 · €140k
Income taxes
€174▼
2024 · €829
Staff costs
€32k▼
2024 · €40k
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€312k€286k▼
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Plant, machinery and equipment23€2k€2k▼
Current assets29/58€310k€284k▼
Stocks and contracts in progress3€222k€136k▼
Stocks30/36€222k€136k▼
Amounts receivable within one year40/41€2k€252▼
Trade receivables40€0-
Other amounts receivable41€2k€252▼
Cash at bank and in hand54/58€79k€145k▲
Deferred charges and accrued income490/1€6k€3k▼
Equity and liabilities
Total equity and liabilities10/49€312k€286k▼
Equity10/15€172k€153k▼
Contributions10/11€19k€19k=
Reserves13€153k€134k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€151k€132k▼
Amounts payable17/49€140k€133k▼
Amounts payable within one year42/48€140k€133k▼
Trade debts44€33k€16k▼
Suppliers440/4€33k€16k▼
Advances received on contracts in progress46€500€500=
Taxes, remuneration and social security45€8k€6k▼
Taxes450/3€1k€3k▲
Remuneration and social security454/9€7k€3k▼
Other amounts payable47/48€98k€111k▲
Income statement
Code20242025
Remuneration, social security and pensions62€40k€32k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€68€455▲
Other operating charges640/8€13k€3k▼
Gross operating margin9900€54k€17k▼
Operating profit (loss)9901€2k€-19k▼
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€349€209▼
Recurring financial charges65€349€209▼
Profit (loss) for the period before taxes9903€1k€-19k▼
Income taxes67/77€829€174▼
Profit (loss) for the period9904€611€-19k▼
Profit (loss) for the period to be appropriated9905€611€-19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€611€-19k▼
Transfer from equity791/2€0€19k▲
Transfer to equity691/2€611€0▼
To other reserves6921€611€0▼
The notes to these accounts (5 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
14-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-19k ▼3210%
Net result drops to €-19k, the lowest in the series.
13-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €611
Net result €611 after one loss-making year.
03-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2018net €33k ▲20.6%
Operating result €42k, net result €33k, both a record.
13-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €150kEq €163k ▲20.6%
3 profitable years in a row build equity to €163k.
2020
22-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
24-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Lokeren · 2 establishment units since 1998
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.
Baronsdreef 79160 LokerenGround area
5,206 m²
Building footprint
1,574 m²
Volume, LiDAR
19,047 m³
2 parcels, Flanders · tallest building 16.5 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
AZIZ CVBA
since 19982.088.158.194
AZIZ
since 20062.151.533.046
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46383D0730/00S002 | Flanders | 3,648 m² | 1 · 1,398 m² | 16.5 m · 5 fl. |
| 42023A0412/00E002 | Flanders | 1,558 m² | 1 · 176 m² | 8.6 m · 2 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
VTB-PRO
BE 0735.607.616
Brussel · Eq €153k
JCS CARS
BE 0832.109.451
Zedelgem · Eq €152k
GARAGE GITS
BE 0425.736.562
Londerzeel · Eq €152k
Carmotive
BE 1014.403.828
Herentals · Eq €152k
GARAGE BOMANS
BE 0441.993.564
Maaseik · Eq €153k
Of 10,615 companies in sector 47811 we hold annual accounts for 5,192. 3,691 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-07-1998
Fiscal year end30-06
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
46496Wholesale trade
47300Retail sale of automotive fuel
47632Retail sale of bicycles
47785Retail trade
50200
51476
52492
52740
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.