AZZA & 4T
ActiveSummary
The computed 12-month bankruptcy probability of AZZA & 4T is 1.8% (moderate). The 2025 annual accounts show equity of €10,850 and a net result of €15,351. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 68% of 4709 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+1
Solvency82▲+82
Growth78=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 6.08 against 0.96 in 2024; short-term debt: 11.8% and cash: 68.3% of total assets), and 42.9% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Land transport and transport via pipelines (NACE 49)
about 141% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
57.1%
Return on assets
80.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
30 d late
2022
24 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 28 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 49% 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 30 August (4 of the last 4 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 How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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
Turnover
€39,069
EBIT margin
-11.0%
Net result
€15,351▲ 262%
2024 · €4,245
Working capital
€11,375
2024 · -€251
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 49, Land transport and transport via pipelines, 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
Line2022202320242025
Turnover€39,069
Operating result-€12,570--€4,288▲ 65.9%€4,399€15,522▲ 253%
Net result-€12,015below the sector's middle half--€3,561below the sector's middle half▲ 70.4%€4,245within the sector's middle half€15,351within the sector's middle half▲ 262%
EBIT margin-11.0%
Equity-€5,184below the sector's middle half--€8,745below the sector's middle half▼ 68.7%-€4,501below the sector's middle half▲ 48.5%€10,850within the sector's middle half
Total assets€24,324below the sector's middle half-€19,538below the sector's middle half▼ 19.7%€17,438below the sector's middle half▼ 10.7%€18,989below the sector's middle half▲ 8.9%
Debt€29,508-€28,283▼ 4.1%€21,939▼ 22.4%€8,139▼ 62.9%
Working capital-€26,684below the sector's middle half--€9,870within the sector's middle half▲ 63.0%-€251within the sector's middle half▲ 97.5%€11,375within the sector's middle half
Solvency-21.3%below the sector's middle half--44.8%below the sector's middle half▼ 23.4pp-25.8%below the sector's middle half▲ 19.0pp57.1%within the sector's middle half▲ 82.9pp
Current ratio0.10below the sector's middle half-0.26below the sector's middle half▲ 0.160.96within the sector's middle half▲ 0.716.08above the sector's middle half▲ 5.12
Return on assets (ROA)-49.4%below the sector's middle half--18.2%below the sector's middle half▲ 31.2pp24.3%above the sector's middle half▲ 42.6pp80.8%above the sector's middle half▲ 56.5pp
above
within
below
the middle half (P25 to P75) of NACE 49, Land transport and transport via pipelines, 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 has risen three years in a row; 2025 is 253% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €18,989
Fixed assets
€5,375 ▼ 50.0%
Current assets
€13,614 ▲ 104%
Equity and liabilities €18,989
Equity
€10,850
Debt
€8,139
Debt finances 42.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€20,897▲
2024 · €9,774
Cash flow
€20,726▲
2024 · €9,620
Debt to equity
0.75▲
2024 · -4.87
ROE
141.5%
Interest coverage
122.25▲
2024 · 63.41
Debt ≤ 1 year
€2,239▼
2024 · €6,939
Debt > 1 year
€5,900▼
2024 · €15,000
Staff costs
€5,957▲
2024 · €4,158
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,679 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.8%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.8% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 34,679 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
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Turnover70 | - | €39,069 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €37,354 | - | - | - |
| Remuneration, social security and pensions62 | - | - | €4,158 | €5,957 | ▲ 43.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €5,375 | €5,375 | €5,375 | = |
| Other operating charges640/8 | €419 | €628 | €1,012 | €3,098 | ▲ 206% |
| Non-recurring operating charges66A | €4,607 | - | - | - | - |
| Gross operating margin9900 | -€7,544 | €1,715 | €14,944 | €29,951 | ▲ 100% |
| Operating profit (loss)9901 | -€12,570 | -€4,288 | €4,399 | €15,522 | ▲ 253% |
| Financial income75/76B | €710 | €879 | - | - | - |
| Recurring financial income75 | €710 | €879 | - | - | - |
| Financial charges65/66B | €156 | €153 | €154 | €171 | ▲ 10.9% |
| Recurring financial charges65 | €156 | €153 | €154 | €171 | ▲ 10.9% |
| Profit (loss) for the period before taxes9903 | -€12,015 | -€3,561 | €4,245 | €15,351 | ▲ 262% |
| Profit (loss) for the period9904 | -€12,015 | -€3,561 | €4,245 | €15,351 | ▲ 262% |
| Profit (loss) for the period to be appropriated9905 | -€12,015 | -€3,561 | €4,245 | €15,351 | ▲ 262% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €24,324 | €19,538 | €17,438 | €18,989 | ▲ 8.9% |
| Fixed assets21/28 | €21,500 | €16,125 | €10,750 | €5,375 | ▼ 50.0% |
| Tangible fixed assets22/27 | €21,500 | €16,125 | €10,750 | €5,375 | ▼ 50.0% |
| Furniture and vehicles24 | €21,500 | €16,125 | €10,750 | €5,375 | ▼ 50.0% |
| Current assets29/58 | €2,824 | €3,413 | €6,688 | €13,614 | ▲ 104% |
| Amounts receivable within one year40/41 | €826 | €1,073 | €903 | €654 | ▼ 27.6% |
| Trade receivables40 | - | - | - | €356 | - |
| Other amounts receivable41 | €826 | €1,073 | €903 | €298 | ▼ 67.0% |
| Cash at bank and in hand54/58 | €705 | €2,251 | €5,226 | €12,960 | ▲ 148% |
| Deferred charges and accrued income490/1 | €1,293 | €89 | €559 | - | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €24,324 | €19,538 | €17,438 | €18,989 | ▲ 8.9% |
| Equity10/15 | -€5,184 | -€8,745 | -€4,501 | €10,850 | ▲ 341% |
| Contributions10/11 | €6,000 | €6,000 | €6,000 | €6,000 | = |
| Profit (loss) carried forward14 | -€11,184 | -€14,745 | -€10,501 | €4,850 | ▲ 146% |
| Amounts payable17/49 | €29,508 | €28,283 | €21,939 | €8,139 | ▼ 62.9% |
| Amounts payable after more than one year17 | - | €15,000 | €15,000 | €5,900 | ▼ 60.7% |
| Other amounts payable178/9 | - | €15,000 | €15,000 | €5,900 | ▼ 60.7% |
| Amounts payable within one year42/48 | €29,508 | €13,283 | €6,939 | €2,239 | ▼ 67.7% |
| Trade debts44 | €442 | €506 | €988 | €529 | ▼ 46.4% |
| Suppliers440/4 | €442 | €506 | €988 | €529 | ▼ 46.4% |
| Taxes, remuneration and social security45 | €8,279 | €4,179 | €3,560 | €102 | ▼ 97.1% |
| Taxes450/3 | €79 | €79 | €79 | €79 | = |
| Remuneration and social security454/9 | €8,200 | €4,100 | €3,481 | €23 | ▼ 99.3% |
| Other amounts payable47/48 | €20,787 | €8,598 | €2,391 | €1,608 | ▼ 32.8% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€12,015 | -€3,561 | €4,245 | €15,351 | ▲ 262% |
| + Depreciation and write-downs630 | - | €5,375 | €5,375 | €5,375 | = |
| Operating cash flow (approximation) | -€12,015 | €1,814 | €9,620 | €20,726 | ▲ 115% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | - |
| Change in cash | - | €1,546 | €2,975 | €7,734 | ▲ 160% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2022net €15,351 ▲262%
Operating result €15,522, net result €15,351, both a record.
31-12
Financial
Liquidity times 6current ratio 6.08
Current ratio from 0.96 to 6.08; short-term debt falls from €6,939 to €2,239.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €4,245
Net result €4,245 after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 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
9 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, Sint-Jans-Molenbeek · 1 establishment unit since 2008
Ground area
1,045 m²
Building footprint
445 m²
Volume, LiDAR
7,922 m³
2 parcels, Brussels · tallest building 22.0 m, ±7 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Azza & 4T
since 20082.174.058.624
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21524C0064/00C008 | Brussels | 940 m² | 1 · 364 m² | 22.0 m · 7 fl. |
| 21906D0297/00K000 | Brussels | 105 m² | 1 · 81 m² | 16.0 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
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
Marbel
BE 0425.634.020
Sint-Jans-Molenbeek · Eq €10,859
HK BUSINESS
BE 0791.981.046
Wemmel · Eq €10,806
Famille Leywedou Barry
BE 0795.980.515
Sint-Genesius-Rode · Eq €10,799
LOUV INVEST
BE 0718.849.776
La Louvière · Eq €10,902
IKK'S SERVICES
BE 0751.902.131
Sint-Jans-Molenbeek · Eq €10,798
Of 6,683 companies in sector 49330 we hold annual accounts for 2,299. 1,963 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
Founded03-11-2008
Fiscal year end31-12
Activities, NACEBEL 2025
49330On-demand passenger transport by chauffeured vehicle
Contact
Phone
+32484672130
E-invoicing
Reachable via Peppol
Peppol ID
0208:0807524802
Also
9925:BE0807524802
Registered
06-01-2026
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.