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AZOR CAFE

Active
Private limited companyfounded 2024active for 2 yearsRue Joseph Wauters(WB) 3, 6224 Fleurus, BelgiumKBO/BCE: BE 1014.243.975
Summary

The computed 12-month bankruptcy probability of AZOR CAFE is 4.1% (elevated). The 2025 annual accounts show equity of €13,261 and a net result of -€6,739. Its solvency ranks better than 41% of 16,925 sector peers (NACE 56, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Cafés and bars
NACE 56301
1 site
Size
≈ €170,000turnover 2025, estimated
Staff
≈ 0.4 FTE, estimated
Equity
€13,261
Loss
-€6,739
Turnover estimated from the gross margin
Financial health
47 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
4.1%
Structure
2025 accounts on time
Why 47raises riskFounded in 2024Sector: Food and beverage service activities (NACE 56)Size: total assets €67,971Equity €13,261 (19.5% of total assets)Show the evidence

Checked score

Score 2025
47 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 29% of its sector peers (NACE 56, micro)
Financial strength
Weak
Solvency 45
equity 19.5% of total assets
Liquidity 20
short-term debt 79.1% · cash 10.8%
Profitability 36
return on assets -9.9%
Bankruptcy probability, 12 months
4.1% Elevated
0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.8% (23,772 companies, NACE 56, micro)
Last 24 months 10-2025: 3.9%lowest value 11-2025: 3.9%● unchanged vs 10-2025lowest value 12-2025: 4.0%▲ +0.1 percentage points vs 11-2025 01-2026: 4.4%▲ +0.4 percentage points vs 12-2025 02-2026: 4.5%▲ +0.1 percentage points vs 01-2026 03-2026: 4.8%▲ +0.3 percentage points vs 02-2026 04-2026: 4.8%● unchanged vs 03-2026 05-2026: 5.3%▲ +0.5 percentage points vs 04-2026highest value 06-2026: 5.2%▼ -0.1 percentage points vs 05-2026 07-2026: 5.1%▼ -0.1 percentage points vs 06-2026 08-2026: 4.0%▼ -1.1 percentage points vs 07-2026 09-2026: 4.0%● unchanged vs 08-2026 10-2026: 4.1%▲ +0.1 percentage points vs 09-2026
Credit of up to €500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity insufficient (current ratio 0.24, below 1; short-term debt: 79.1% and cash: 10.8% of total assets), and 80.5% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 56, micro): better than 41% on solvency, 17% on liquidity and 29% on profitability.

The bankruptcy probability was computed on 30-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

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Signals

Five signals.
raises riskneutral
raises risk · Founded in 2024
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · Sector: Food and beverage service activities (NACE 56)
KBO
raises risk · Size: total assets €67,971
Companies of this size fail more often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Equity €13,261 (19.5% of total assets)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
on the day
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2024.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Appointment: LIZEN Annick (director)Gazette deed
  3. IncorporationAppointment: WOCH David Frédéric Eddy…

Financials · financial year 2025, micro format

Turnover
≈ €170,000
Estimated: probably between €83,000 and €370,000
Total assets
€67,971
Net result
-€6,739
Working capital
-€41,011

Turnover and EBIT margin not published: the micro format does not require them. The turnover shown is an estimate from the gross margin.

Balance-sheet composition
Assets €67,971
Fixed assets €55,213
Current assets €12,758
Equity and liabilities €67,971
Equity €13,261
Debt €54,710
Debt finances 80.5% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€5,737
Cash flow
€4,252
Current ratio
0.24
Quick ratio
0.17
Debt to equity
4.13
ROE
-50.8%
ROA
-9.9%
Interest coverage
3.59
Debt ≤ 1 year
€53,769
Staff costs
€8,933

Peer companies

Historical observation

Of the 1,271 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 93.5% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 10 to 30%
  • a small loss
4.1% went bankrupt
2.0% stopped otherwise
93.5% still going

A further 0.4% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 4.1% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 1,271 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 36 lines
Balance sheet Code2025
Assets
Total assets20/58€67,971
Fixed assets21/28€55,213
Intangible fixed assets21€50,556
Financial fixed assets28€4,657
Current assets29/58€12,758
Stocks and contracts in progress3€3,540
Stocks30/36€3,540
Amounts receivable within one year40/41€1,875
Trade receivables40€1,875
Cash at bank and in hand54/58€7,343
Equity and liabilities
Total equity and liabilities10/49€67,971
Equity10/15€13,261
Contributions10/11€20,000
Profit (loss) carried forward14-€6,739
Amounts payable17/49€54,710
Amounts payable within one year42/48€53,769
Trade debts44€5,501
Suppliers440/4€5,501
Taxes, remuneration and social security45€6,446
Taxes450/3€6,137
Remuneration and social security454/9€309
Other amounts payable47/48€41,822
Accrued charges and deferred income492/3€941
Income statement Code2025
Remuneration, social security and pensions62€8,933
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10,990
Other operating charges640/8€1,880
Gross operating margin9900€16,550
Operating profit (loss)9901-€5,254
Financial income75/76B€114
Recurring financial income75€114
Financial charges65/66B€1,599
Recurring financial charges65€1,599
Profit (loss) for the period before taxes9903-€6,739
Profit (loss) for the period9904-€6,739
Profit (loss) for the period to be appropriated9905-€6,739
Appropriation of the result
Profit (loss) to be appropriated9906-€6,739

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Remuneration, social security and pensions62€8,933
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10,990
Other operating charges640/8€1,880
Gross operating margin9900€16,550
Operating profit (loss)9901-€5,254
Financial income75/76B€114
Recurring financial income75€114
Financial charges65/66B€1,599
Recurring financial charges65€1,599
Profit (loss) for the period before taxes9903-€6,739
Profit (loss) for the period9904-€6,739
Profit (loss) for the period to be appropriated9905-€6,739
Line2025
Assets
Total assets20/58€67,971
Fixed assets21/28€55,213
Intangible fixed assets21€50,556
Financial fixed assets28€4,657
Current assets29/58€12,758
Stocks and contracts in progress3€3,540
Stocks30/36€3,540
Amounts receivable within one year40/41€1,875
Trade receivables40€1,875
Cash at bank and in hand54/58€7,343
Equity and liabilities
Total equity and liabilities10/49€67,971
Equity10/15€13,261
Contributions10/11€20,000
Profit (loss) carried forward14-€6,739
Amounts payable17/49€54,710
Amounts payable within one year42/48€53,769
Trade debts44€5,501
Suppliers440/4€5,501
Taxes, remuneration and social security45€6,446
Taxes450/3€6,137
Remuneration and social security454/9€309
Other amounts payable47/48€41,822
Accrued charges and deferred income492/3€941
Line2025
Profit (loss) for the period9904-€6,739
+ Depreciation and write-downs630€10,990
Operating cash flow (approximation)€4,252

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (1)
Financial year Type Filed Reference
31-12-2025 micro format 31-07-2026 2026-00378489

Similar companies · same sector, comparable size

Of the 13,714 active companies whose main activity is cafés and bars (NACE 56301), figures are known for 5,119. 3,970 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
2 directors, no change since 2025
WOCH David Frédéric Eddy
Director (not named in the articles) · since 01-10-2024
Current
LIZEN Annick
Director · since 01-01-2025
Current
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ. See the directors and other office holders in the KBO →

Mandate history

2 people since 2024, 2 in office
Show
  • Board
Mandates per person, with start and end dates
Name Functions and periods
WOCH David Frédéric Eddy
  • Director (not named in the articles), from 01-10-2024 to date
LIZEN Annick
  • Director, from 01-01-2025 to date
See the board, name and registered office on a given date →

Owners and capital

Capital and shareholders

Shareholders according to the deeds
At incorporation act of 01-10-2024 ↗

The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.

Capital over the years
  1. 01-10-2024 Incorporation · €20,000 · 100 shares

Group and network

Connections & network

2 current directors
Depth

The network starts from this company’s directors. Other companies they run appear here as nodes.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

History

On 27 September 2024, AZOR CAFE was incorporated as a private limited company by two natural persons, with a starting capital of €20,000.12 Of the 2 current board members, WOCH David Frédéric Eddy has served longest, since 2024.2 The company has filed annual accounts once, for financial year 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 01-10-2024
  3. 3National Bank, annual accounts 2025

Acts, filings and financial milestones

2026
31-07
NBB filing Annual accounts filed
financial year 2025 · micro format
2025
05-02
Gazette deed Appointment: LIZEN Annick (director)
2 facts ▸
  • General meeting, 10-01-2025
  • Director appointment, LIZEN Annick (director)
2024
01-10
Gazette deed Incorporation
Appointment: WOCH David Frédéric Eddy (director) · Registered office clause · Board rule10 facts ▸
  • Other provision, “autorisation préalable-accès à la profession, société pourrait devoir obtenir autorisations ou licences préalables ou remplir conditions” (deed in French)
  • Registered office clause, “6224 WANFERCEE BAULET, rue des Rabots”, 3, “suspensive du dépôt au greffe” (deed in French)
  • Board rule, 1, “suspensive du dépôt au greffe” (deed in French)
  • Director appointment, WOCH David Frédéric Eddy (director (not named in the articles))
  • Pre-incorporation commitments, “takeover, engagements, obligations en résultant, activités entreprises au nom et pour compte de la société en formation” (deed in French)
  • Incorporation, 27-09-2024
  • Founder, WOCH David Frédéric Eddy
  • Founder, LIZEN Annick Camille
  • Founding capital, €20,000
  • Other provision, “adoption statuts et dispositions transitoires, statuts et dispositions transitoires arrêtés” (deed in French)
Gazette deedNBB filing
2 of 2 deeds read

Register details

Identification
Legal formPrivate limited company
Founded27-09-2024
Financial year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
56309Food and beverage service activities
96992Tattoo and piercing services
E-invoicing
Reachable via Peppol
Peppol ID 0208:1014243975
Registered 03-01-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Fleurus · 1 establishment unit since 2024
registered office establishment The establishment unit on the map
Ground area
248 m²
Building footprint
81 m²
Building volume
883 m³
2 parcels, Wallonia · tallest building 14.9 m. Linked by address, not a title deed.
1 establishment unit
AZOR CAFE
Place Albert Ier(FL) 25, 6220 FleurusCafés and bars
since 2024unit no. 2.369.932.605
2 parcels
Wallonia 2 (100%)
Cadastral parcel Region Area Buildings Height / floors
52071C1485/00R002 Wallonia 178 m² 1 · 11 m² 2.2 m · 1
52021D0282/00_000 Wallonia 70 m² 1 · 70 m² 14.9 m · 4
How the parcels are linked
Good to know
Both parcels match the address exactly.

Articles of association

What the company does

DurationHow long the company exists; usually unlimited, so until it is dissolved.
Unlimited
Name clauseThe name the company operates under according to its articles.
AZOR CAFE
Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
“Région wallonne, organe peut établir sièges administratifs,d'exploitation,agences et succursales en Belgique ou à l'étranger par simple…” (deed in French)

deed of 01-10-2024

Who represents it, and how

Board ruleHow the board is made up, meets and takes decisions.
“Administrateur, frais représentation voyages déplacements” (deed in French)
“Sauf contraire indéterminée, représentant permanent ne peut siéger ni personnel ni comme représentant autre morale” (deed in French)
1 more provision on this in the deed

deed of 01-10-2024

Capital, shares and profit

Kind of sharesWhich classes of shares exist and what rights each class carries.
“Toutes nominatives avec numéro ordre, propriété par inscription,cessions/transmissions opposables société et tiers dès inscription” (deed in French)
Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
“Toutes cessions entre vifs onéreuses,gratuites,volontaires,forcées dont exclusion et retrait,usufruit,nue-propriété,pleine propriété,actions…” (deed in French)
Share issue ruleHow and by whom new shares can be issued.
“Apports en numéraire avec émission nouvelles actions, au moins quinze jours à dater ouverture souscription” (deed in French)

deed of 01-10-2024

Oversight and winding up

Dissolution ruleWhen and by whom the company can be dissolved.
“Assemblée générale délibérant comme pour modifications aux statuts, articles 2:76 et suivants du CSA” (deed in French)
Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
“Pour quelque cause et à quelque moment que ce soit, désigner liquidateurs et déterminer pouvoirs et émoluments” (deed in French)

deed of 01-10-2024

Other provisionsOther rules from the articles that fall under none of the themes above.

Other provision: “Administrateur-délégué, gestion journalière” (deed in French)
Other provision: “Contrôle, décision contraire assemblée générale” (deed in French)
Other provision: “Intérêt société ou requête actionnaires dixième actions en circulation avec demande et sujets ordre du jour, quinze jours au moins avant” (deed in French)
Other provision: “Assemblée générale par procédure écrite, sauf décisions reçues en acte authentique” (deed in French)
Other provision: “Réputés présents lieu assemblée pour présence et majorité, assemblée générale électronique” (deed in French)
Other provision: “Voie électronique à l'adresse indiquée dans la convocation, questions écrites avant assemblée générale” (deed in French)
Other provision: “Séances-procès-verbaux, signées par un ou plusieurs membres de l'organe d'administration ayant le pouvoir de représentation” (deed in French)
Other provision: “Délibérations, sous réserve des dispositions légales régissant les actions sans droit de vote” (deed in French)
Liquidation distribution: “Apurement dettes, charges et frais ou consignation des montants nécessaires, actif net entre actionnaires en proportion des actions” (deed in French)
Other provision: “Élection de domicile, actionnaires censés domiciliés à l'adresse du registre des actionnaires” (deed in French)
Other provision: “Droit commun, clauses contraires impératives censées non écrites” (deed in French)
7 more provisions in the deed, see the deed of 01-10-2024

deed of 01-10-2024