BANZI
ActiveSummary
The computed 12-month bankruptcy probability of BANZI is 2.3% (moderate). The 2025 annual accounts show equity of €36k and a net result of €17k. Its solvency ranks better than 95% of 7838 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency100▲+24
Growth78
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 10.31 against 2.04 in 2024; short-term debt: 9.7% and cash: 5.6% of total assets), and 9.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
90.3%
Return on assets
41.7%
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 14-08-2026, 14 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 · 2 filingsDeviation from the deadline
2025
14 d late
2024
33 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€36k▲ 85.7%
2024 · €20k
2024: €20k
2025: €36k▲ +85.7% vs 2024
2024 → 2025
Total assets
€40k▲ 5.0%
2024 · €38k
2024: €38k
2025: €40k▲ +5.0% vs 2024
2024 → 2025
Net result
€17k▲ 15.2%
2024 · €15k
2024: €15k
2025: €17k▲ +15.2% vs 2024
2024 → 2025
Working capital
€36k▲ 85.7%
2024 · €20k
2024: €20k
2025: €36k▲ +85.7% vs 2024
2024 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€20k-€36k▲ 85.7%
2024: €20k
2025: €36k▲ +85.7% vs 2024
Operating result€15k-€20k▲ 36.5%
2024: €15k
2025: €20k▲ +36.5% vs 2024
Net result€15k-€17k▲ 15.2%
2024: €15k
2025: €17k▲ +15.2% vs 2024
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 36% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €40k
Equity
€36k ▲ 85.7%
Debt
€4k ▼ 79.2%
Debt's share of the balance-sheet total falls from 48.9% to 9.7%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
10.31▲
2024 · 2.04
Quick ratio
10.08▲
2024 · 2.00
Debt to equity
0.11▼
2024 · 0.96
ROE
46.1%▼
2024 · 74.4%
ROA
41.7%▲
2024 · 38.0%
Debt ≤ 1 year
€4k▼
2024 · €19k
Income taxes
€3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€38k€40k▲
Current assets29/58€38k€40k▲
Stocks and contracts in progress3€756€870▲
Stocks30/36€756€870▲
Amounts receivable within one year40/41€27k€37k▲
Trade receivables40€4k€491▼
Other amounts receivable41€23k€36k▲
Cash at bank and in hand54/58€11k€2k▼
Deferred charges and accrued income490/1-€205
Equity and liabilities
Total equity and liabilities10/49€38k€40k▲
Equity10/15€20k€36k▲
Contributions10/11€5k€5k=
Outside capital11€5k€5k=
Other1109/19€5k€5k=
Reserves13€500€500=
Non-distributable reserves130/1€500€500=
Reserves not available under the articles1311€500€500=
Profit (loss) carried forward14€14k€31k▲
Amounts payable17/49€19k€4k▼
Amounts payable within one year42/48€19k€4k▼
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45-€241
Taxes450/3-€241
Other amounts payable47/48€17k-
Income statement
Code20242025
Other operating charges640/8€826€721▼
Gross operating margin9900€15k€21k▲
Operating profit (loss)9901€15k€20k▲
Financial charges65/66B€152€180▲
Recurring financial charges65€152€180▲
Profit (loss) for the period before taxes9903€15k€20k▲
Income taxes67/77-€3k
Profit (loss) for the period9904€15k€17k▲
Profit (loss) for the period to be appropriated9905€15k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€31k▲
Profit (loss) brought forward from the previous period14P-€14k
Transfer to equity691/2€500-
To other reserves6921€500-
Accounts by statement
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Other operating charges640/8 | €826 | €721 | ▼ 12.7% |
| Gross operating margin9900 | €15k | €21k | ▲ 33.9% |
| Operating profit (loss)9901 | €15k | €20k | ▲ 36.5% |
| Financial charges65/66B | €152 | €180 | ▲ 17.9% |
| Recurring financial charges65 | €152 | €180 | ▲ 17.9% |
| Profit (loss) for the period before taxes9903 | €15k | €20k | ▲ 36.7% |
| Income taxes67/77 | - | €3k | - |
| Profit (loss) for the period9904 | €15k | €17k | ▲ 15.2% |
| Profit (loss) for the period to be appropriated9905 | €15k | €17k | ▲ 15.2% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €38k | €40k | ▲ 5.0% |
| Current assets29/58 | €38k | €40k | ▲ 5.0% |
| Stocks and contracts in progress3 | €756 | €870 | ▲ 15.0% |
| Stocks30/36 | €756 | €870 | ▲ 15.0% |
| Amounts receivable within one year40/41 | €27k | €37k | ▲ 37.6% |
| Trade receivables40 | €4k | €491 | ▼ 88.1% |
| Other amounts receivable41 | €23k | €36k | ▲ 60.5% |
| Cash at bank and in hand54/58 | €11k | €2k | ▼ 78.9% |
| Deferred charges and accrued income490/1 | - | €205 | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €38k | €40k | ▲ 5.0% |
| Equity10/15 | €20k | €36k | ▲ 85.7% |
| Contributions10/11 | €5k | €5k | = |
| Outside capital11 | €5k | €5k | = |
| Other1109/19 | €5k | €5k | = |
| Reserves13 | €500 | €500 | = |
| Non-distributable reserves130/1 | €500 | €500 | = |
| Reserves not available under the articles1311 | €500 | €500 | = |
| Profit (loss) carried forward14 | €14k | €31k | ▲ 119% |
| Amounts payable17/49 | €19k | €4k | ▼ 79.2% |
| Amounts payable within one year42/48 | €19k | €4k | ▼ 79.2% |
| Trade debts44 | €2k | €4k | ▲ 115% |
| Suppliers440/4 | €2k | €4k | ▲ 115% |
| Taxes, remuneration and social security45 | - | €241 | - |
| Taxes450/3 | - | €241 | - |
| Other amounts payable47/48 | €17k | - | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €15k | €17k | ▲ 15.2% |
| Operating cash flow (approximation) | €15k | €17k | ▲ 15.2% |
| Change in cash | - | €-8k | - |
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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 14 days late
2025
31-12
Financial
Liquidity times 5current ratio 10.31
Current ratio from 2.04 to 10.31; short-term debt falls from €19k to €4k.
02-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 33 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Zaventem · 1 establishment unit since 2023
Ground area
576 m²
Building footprint
266 m²
Volume, LiDAR
1,492 m³
2 parcels, Flanders, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
662
companies at this address
See who is registered here
1 establishment unit
Rue Henri Mommens 11, 6001 Charleroi
since 20232.346.110.294
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23078A0472/00L000 | Flanders | 461 m² | 1 · 192 m² | 10.8 m · 3 fl. |
| 52045A0196/00W002 | Wallonia | 115 m² | 1 · 74 m² | - |
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.
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,420. 5,849 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
Founded15-06-2023
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
43221Plumbing work
43320Joinery installation
43341Painting of buildings
43343Specialised construction activities
43410Roofing work
Contact
E-mail
lahcen.elkissaoui@gmail.com
Scores and ratios are computed by Checked and are not a credit decision.