AZUR CONSULTING
ActiveThe annual accounts of AZUR CONSULTING for fiscal year 2025 show a net loss of 61% of the equity at the start of that year. The 2025 annual accounts show equity of €15k and a net result of €-22k. Equity is shrinking by ~18% per year across the filed fiscal years. Its solvency ranks better than 14% of 31540 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability7▼-72
Solvency31▼-19
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.16 against 1.05 in 2024; short-term debt: 76.9% and cash: 42.6% of total assets), and 93.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
6.3%
Return on assets
-9.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 31540 sector peers (2025).
NBB · sector comparisonPosition among 31540 sector peers
Solvency
better than 14%
← weakest
strongest →
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 22-07-2026, 9 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
9 d early
2024
29 d late
2023
61 d late
2022
75 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▼ 60.5%
2024 · €37k
2022: €29k
2023: €24k
2024: €37k
2022 → 2025
Total assets
€231k▲ 54.8%
2024 · €149k
2022: €121k
2023: €138k
2024: €149k
2022 → 2025
Net result
€-22k
2024 · €12k
2022: €-15k
2023: €-5k
2024: €12k
2022 → 2025
Working capital
€28k▲ 439%
2024 · €5k
2022: €5k
2023: €5k
2024: €5k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€29k-€24k▼ 16.4%€37k▲ 50.8%€15k▼ 60.5%
Operating result€-13k-€-3k▲ 74.4%€16k€-16k
Net result€-15k-€-5k▲ 67.5%€12k€-22k
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 €16k after €16k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €231k
Fixed assets
€25k▼ 26.0%
Current assets
€206k▲ 78.4%
Equity and liabilities €231k
Equity
€15k▼ 60.5%
Debt
€217k▲ 92.6%
The debt ratio rises from 75.3% to 93.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-4k▼
2024 · €30k
Cash flow
€-11k▼
2024 · €26k
Solvency
6.3%▼
2024 · 24.7%
Current ratio
1.16▲
2024 · 1.05
Quick ratio
0.75▼
2024 · 0.79
Debt / equity
14.87▲
2024 · 3.05
ROE
-153.4%▼
2024 · 33.7%
ROA
-9.7%▼
2024 · 8.3%
Interest coverage
-0.63▼
2024 · 7.24
Debt
€217k▲
2024 · €112k
Debt ≤ 1 year
€178k▲
2024 · €110k
Debt > 1 year
€35k
Income taxes
€200▼
2024 · €217
Staff costs
€35k▲
2024 · €30k
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€149k€231k▲
Fixed assets21/28€34k€25k▼
Tangible fixed assets22/27€34k€25k▼
Furniture and vehicles24€29k€21k▼
Other tangible fixed assets26€5k€4k▼
Current assets29/58€116k€206k▲
Stocks and contracts in progress3€28k€74k▲
Stocks30/36€28k€74k▲
Amounts receivable within one year40/41€24k€29k▲
Trade receivables40€24k€25k▲
Other amounts receivable41-€4k
Cash at bank and in hand54/58€61k€98k▲
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€149k€231k▲
Equity10/15€37k€15k▼
Contributions10/11€1k€1k=
Reserves13€6k€6k=
Distributable reserves133€6k€6k=
Profit (loss) carried forward14€30k€7k▼
Amounts payable17/49€112k€217k▲
Amounts payable after more than one year17-€35k
Financial debts170/4-€35k
Amounts payable within one year42/48€110k€178k▲
Current portion of amounts payable after more than one year42-€13k
Trade debts44€42k€39k▼
Suppliers440/4€42k€39k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€23k€30k▲
Taxes450/3€19k€18k▼
Remuneration and social security454/9€5k€12k▲
Other amounts payable47/48€45k€97k▲
Accrued charges and deferred income492/3€2k€4k▲
Income statement
Code20242025
Remuneration, social security and pensions62€30k€35k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€11k▼
Other operating charges640/8€4k€2k▼
Gross operating margin9900€64k€33k▼
Operating profit (loss)9901€16k€-16k▼
Financial income75/76B€347€388▲
Recurring financial income75€347€388▲
Financial charges65/66B€4k€7k▲
Recurring financial charges65€4k€7k▲
Profit (loss) for the period before taxes9903€13k€-22k▼
Income taxes67/77€217€200▼
Profit (loss) for the period9904€12k€-22k▼
Profit (loss) for the period to be appropriated9905€12k€-22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€7k▼
Profit (loss) brought forward from the previous period14P€17k€30k▲
The notes to these accounts (9 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-22k ▼280%
Net result drops to €-22k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €12k
Net result €12k after 2 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
14-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 75 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Verviers · 2 establishment units since 2016
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.
Avenue de Thiervaux 754802 VerviersGround area
1,566 m²
Building footprint
191 m²
Volume, LiDAR
1,971 m³
2 parcels, Wallonia · tallest building 15.0 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
AZUR SPORT EVENTS
since 20162.257.018.764
ZOMA
since 20182.282.878.073
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63036A0489/00S007 | Wallonia | 1,271 m² | 1 · 101 m² | 11.4 m · 3 fl. |
| 63036A0024/00N008 | Wallonia | 295 m² | 1 · 90 m² | 14.9 m · 4 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.
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 27,164 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-04-2016
Fiscal year end31-12
Abbreviation FR
AC
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.