CAPZO
ActiveSummary
CAPZO has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €325k and a net result of €46k. Equity is growing by ~11.1% per year across the filed fiscal years. Its solvency ranks better than 57% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability45▼-10
Solvency88▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity short (current ratio 0.48 against 0.33 in 2024; short-term debt: 24.1% and cash: 1.9% of total assets), and 37.2% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer 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
62.8%
Return on assets
8.8%
Age of the figures
9 mo
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
14 d early
2023
19 d early
2022
24 d early
2021
38 d early
2020
19 d early
2019
7 d early
← 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
History
Financials · fiscal year 2025, micro schema
Equity
€325k▲ 16.4%
2024 · €279k
Total assets
€517k▲ 0.5%
2024 · €515k
Net result
€46k▼ 33.8%
2024 · €69k
Working capital
€-65k▲ 38.1%
2024 · €-104k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€-8k€15k€7k▼ 55.0%€7k▲ 7.3%€8k▲ 12.4%
Net result€104k▲ 446%€46k▼ 55.4%€32k▼ 30.0%€69k▲ 113%€46k▼ 33.8%
Equity€189k▲ 46.1%€215k▲ 14.1%€231k▲ 7.2%€279k▲ 20.8%€325k▲ 16.4%
Total assets€431k▼ 0.4%€475k▲ 10.2%€483k▲ 1.8%€515k▲ 6.5%€517k▲ 0.5%
Debt€208k▼ 22.7%€260k▲ 24.6%€253k▼ 2.7%€236k▼ 6.7%€193k▼ 18.3%
Working capital€24k€-90k€-123k▼ 35.9%€-104k▲ 15.0%€-65k▲ 38.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 12% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €517k
Fixed assets
€457k ▼ 1.3%
Current assets
€60k ▲ 16.5%
Equity and liabilities €517k
Equity
€325k ▲ 16.4%
Debt
€193k ▼ 18.3%
Debt's share of the balance-sheet total falls from 45.8% to 37.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€14k▲
2024 · €13k
Cash flow
€52k▼
2024 · €75k
Current ratio
0.48▲
2024 · 0.33
Debt to equity
0.59▼
2024 · 0.84
ROE
14.1%▼
2024 · 24.8%
ROA
8.8%▼
2024 · 13.4%
Interest coverage
1.85▼
2024 · 2.32
Debt ≤ 1 year
€125k▼
2024 · €156k
Debt > 1 year
€68k▼
2024 · €80k
Income taxes
€5k▼
2024 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €25k | €6k | €6k | €6k | = |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | €-34k | - | - | - | - |
| Other operating charges640/8 | €1k | €1k | €2k | €2k | €2k | ▲ 3.1% |
| Gross operating margin9900 | €113 | €7k | €14k | €15k | €15k | ▲ 6.4% |
| Operating profit (loss)9901 | €-8k | €15k | €7k | €7k | €8k | ▲ 12.4% |
| Financial income75/76B | €125k | €40k | €35k | €75k | €50k | ▼ 33.3% |
| Recurring financial income75 | €125k | €40k | €35k | €75k | €50k | ▼ 33.3% |
| Financial charges65/66B | €2k | €3k | €6k | €6k | €8k | ▲ 32.6% |
| Recurring financial charges65 | €2k | €3k | €6k | €6k | €7k | ▲ 33.8% |
| Non-recurring financial charges66B | €98 | €374 | €139 | €143 | €119 | ▼ 16.8% |
| Profit (loss) for the period before taxes9903 | €114k | €51k | €36k | €76k | €50k | ▼ 34.0% |
| Income taxes67/77 | €10k | €5k | €3k | €7k | €5k | ▼ 35.9% |
| Profit (loss) for the period9904 | €104k | €46k | €32k | €69k | €46k | ▼ 33.8% |
| Profit (loss) for the period to be appropriated9905 | €104k | €46k | €32k | €69k | €46k | ▼ 33.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €431k | €475k | €483k | €515k | €517k | ▲ 0.5% |
| Fixed assets21/28 | €304k | €472k | €469k | €463k | €457k | ▼ 1.3% |
| Tangible fixed assets22/27 | €8k | €176k | €173k | €167k | €162k | ▼ 3.5% |
| Land and buildings22 | - | €176k | €173k | €167k | €162k | ▼ 3.5% |
| Other tangible fixed assets26 | €8k | - | - | - | - | - |
| Financial fixed assets28 | €296k | €296k | €296k | €296k | €296k | = |
| Current assets29/58 | €127k | €3k | €14k | €52k | €60k | ▲ 16.5% |
| Amounts receivable within one year40/41 | €16k | €290 | €791 | €39k | €50k | ▲ 27.6% |
| Trade receivables40 | €13k | €290 | €241 | €2k | - | - |
| Other amounts receivable41 | €3k | - | €550 | €38k | €50k | ▲ 33.3% |
| Current investments50/53 | €63 | €63 | €63 | €63 | €63 | = |
| Cash at bank and in hand54/58 | €111k | €3k | €14k | €12k | €10k | ▼ 18.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €431k | €475k | €483k | €515k | €517k | ▲ 0.5% |
| Equity10/15 | €189k | €215k | €231k | €279k | €325k | ▲ 16.4% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €182k | €209k | €225k | €273k | €318k | ▲ 16.8% |
| Non-distributable reserves130/1 | €2k | - | - | - | - | - |
| Reserves not available under the articles1311 | €2k | - | - | - | - | - |
| Distributable reserves133 | €181k | €209k | €225k | €273k | €318k | ▲ 16.8% |
| Provisions and deferred taxes16 | €34k | - | - | - | - | - |
| Provisions for liabilities and charges160/5 | €34k | - | - | - | - | - |
| Pensions and similar obligations160 | €34k | - | - | - | - | - |
| Amounts payable17/49 | €208k | €260k | €253k | €236k | €193k | ▼ 18.3% |
| Amounts payable after more than one year17 | €105k | €166k | €115k | €80k | €68k | ▼ 14.8% |
| Financial debts170/4 | €105k | €166k | €115k | €80k | €68k | ▼ 14.8% |
| Amounts payable within one year42/48 | €103k | €93k | €137k | €156k | €125k | ▼ 20.0% |
| Current portion of amounts payable after more than one year42 | €40k | €52k | €52k | €36k | €12k | ▼ 66.8% |
| Taxes, remuneration and social security45 | €13k | €15k | €4k | €8k | €13k | ▲ 54.2% |
| Taxes450/3 | €13k | €15k | €4k | €8k | €13k | ▲ 54.2% |
| Other amounts payable47/48 | €50k | €26k | €81k | €112k | €100k | ▼ 10.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €104k | €46k | €32k | €69k | €46k | ▼ 33.8% |
| + Depreciation and write-downs630 | €7k | €25k | €6k | €6k | €6k | = |
| Operating cash flow (approximation) | €111k | €72k | €38k | €75k | €52k | ▼ 31.2% |
| Investment in fixed assets (approximation) | - | €-194k | €-3k | €1 | €0 | ▼ 100% |
| Change in cash | - | €-108k | €11k | €-1k | €-2k | ▼ 77.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €215k ▲14.1%
5 profitable years in a row build equity to €215k.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €104k ▲446%
Net result €104k, the highest in the series.
31-12
Financial
Equity above €150kEq €189k ▲46.1%
4 profitable years in a row build equity to €189k.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €19k ▼60.7%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Lanaken · 1 establishment unit since 2008
Ground area
446 m²
Building footprint
198 m²
Volume, LiDAR
2,750 m³
Parcel 73042D0683/00M000, Flanders · tallest building 19.2 m, ±5 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
Capzo
since 20082.168.542.490
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73042D0683/00M000 | Flanders | 446 m² | 1 · 198 m² | 19.2 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
894500SXBB1YG7KH3I81
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Of 82,632 companies in sector 70200 we hold annual accounts for 52,575. 37,671 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
Founded05-02-2008
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
68110Buying and selling of own real estate
68203Renting and operating of own or leased non-residential real estate, excluding land
Scores and ratios are computed by Checked and are not a credit decision.