AZM CONSULTING

Active

Private limited companyfounded 20196 yrs activeRue des Harmonies 16, 1348 Ottignies-Louvain-la-Neuve, BelgiumKBO/BCE: BE 0738.552.555

AZM CONSULTING has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91k and a net result of €-6k. Equity is growing by ~35.4% per year across the filed fiscal years. Its solvency ranks better than 74% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

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Checked score

Score 2025

78 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability36▼-36

Solvency100=

Growth52=

Track record100

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €7k at 30 days acceptable

Liquidity ample (current ratio 4.17 against 4.22 in 2024; short-term debt: 22.2% and cash: 61.4% of total assets), and 22.2% of the assets are financed with debt.

How do we compute the score and the probability?

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

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 70

Relative position

BE, all sectors

reference

Sector 70

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

22 d early

2024

38 d early

2023

42 d early

2022

35 d early

2021

13 d early

2020

52 d early

← before the deadline after the deadline →

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 months

Position in the running window

17-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€91k▼ 31.5%

2024 · €133k

2020: €20k 2021: €49k 2022: €115k 2023: €129k 2024: €133k

2020 → 2025

Total assets

€117k▼ 31.2%

2024 · €170k

2020: €61k 2021: €97k 2022: €194k 2023: €182k 2024: €170k

2020 → 2025

Net result

€-6k

2024 · €4k

2020: €15k 2021: €29k 2022: €66k 2023: €14k 2024: €4k

2020 → 2025

Working capital

€82k▼ 31.2%

2024 · €120k

2020: €19k 2021: €48k 2022: €114k 2023: €109k 2024: €120k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€49k-€115k▲ 133%€129k▲ 11.9%€133k▲ 2.9%€91k▼ 31.5%

Operating result€40k-€86k▲ 116%€21k▼ 76.0%€8k▼ 59.0%€-2k

Net result€29k-€66k▲ 124%€14k▼ 79.2%€4k▼ 72.3%€-6k

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 €2k after €8k in 2024, the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €117k

92.6%

Fixed assets €9k▼ 33.8%

Current assets €108k▼ 31.0%

Equity and liabilities €117k

77.8%

22.2%

Equity €91k▼ 31.5%

Debt €26k▼ 30.1%

The debt ratio rises from 21.9% to 22.2%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€4k▼

2024 · €15k

Cash flow

€304▼

2024 · €10k

Solvency

77.8%▼

2024 · 78.1%

Current ratio

4.17▼

2024 · 4.22

Quick ratio

4.17▼

2024 · 4.22

Debt / equity

0.29▲

2024 · 0.28

ROE

-7.1%▼

2024 · 2.9%

ROA

-5.5%▼

2024 · 2.2%

Interest coverage

2.84▼

2024 · 17.16

Debt

€26k▼

2024 · €37k

Debt ≤ 1 year

€26k▼

2024 · €37k

Income taxes

€2k▼

2024 · €4k

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€170k€117k▼

Fixed assets21/28€13k€9k▼

Tangible fixed assets22/27€13k€9k▼

Plant, machinery and equipment23€3k€3k▼

Furniture and vehicles24€10k€6k▼

Current assets29/58€157k€108k▼

Amounts receivable within one year40/41€36k€29k▼

Trade receivables40€36k€22k▼

Other amounts receivable41-€7k

Cash at bank and in hand54/58€109k€72k▼

Deferred charges and accrued income490/1€13k€8k▼

Equity and liabilities

Total equity and liabilities10/49€170k€117k▼

Equity10/15€133k€91k▼

Contributions10/11€5k€5k=

Reserves13€128k€86k▼

Distributable reserves133€128k€86k▼

Amounts payable17/49€37k€26k▼

Amounts payable within one year42/48€37k€26k▼

Trade debts44€7k€4k▼

Suppliers440/4€7k€4k▼

Taxes, remuneration and social security45€23k€22k▼

Taxes450/3€17k€16k▼

Remuneration and social security454/9€6k€6k=

Other amounts payable47/48€7k-

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲

Other operating charges640/8€7k€980▼

Gross operating margin9900€22k€5k▼

Operating profit (loss)9901€8k€-2k▼

Financial income75/76B€2-

Recurring financial income75€2-

Financial charges65/66B€884€1k▲

Recurring financial charges65€884€1k▲

Profit (loss) for the period before taxes9903€8k€-4k▼

Income taxes67/77€4k€2k▼

Profit (loss) for the period9904€4k€-6k▼

Profit (loss) for the period to be appropriated9905€4k€-6k▼

Appropriation of the result

Profit (loss) to be appropriated9906€4k€-6k▼

Transfer from equity791/2-€42k

Transfer to equity691/2€4k-

To other reserves6921€4k-

Profit to be distributed694/7-€35k

Return on contributions (dividend)694-€35k

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 9Financial 3Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

09-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Weakest financial yearnet €-6k ▼270%

Net result drops to €-6k, the lowest in the series.

23-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

19-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

26-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Highest result since 2020net €66k ▲124%

Operating result €86k, net result €66k, both a record.

31-12

Financial Equity above €100kEq €115k ▲133%

3 profitable years in a row build equity to €115k.

18-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

09-06

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Rue des Harmonies 161348 Ottignies-Louvain-la-Neuve

Ground area

304 m²

Building footprint

97 m²

Parcel 25386B0082/00F004, Wallonia. Linked by address, not a title deed.

1 establishment unit

AZM CONSULTING

Rue des Harmonies 16, 1348 Ottignies-Louvain-la-NeuveBusiness consulting

since 20202.296.887.051

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25386B0082/00F004	Wallonia	304 m²	1 · 97 m²	-

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel 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

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Braine-l'Alleud · Eq €91k

Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 40,444 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded28-11-2019

Fiscal year end31-12

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

Sources

Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers

Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.