CAZUBA
ActiveCAZUBA has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €194k and a net result of €23k. Equity is growing by ~30.8% per year across the filed fiscal years. Its solvency ranks better than 94% of 18024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
85
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability60▼-31
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 17.89 against 5.95 in 2024), and 9.5% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
90.5%
Return on assets
10.8%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-07-2025 was due by 28-02-2026 and was filed on 27-11-2025, 93 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
93 d early
2024
91 d early
2023
93 d early
2022
69 d early
2021
29 d late
2020
17 d late
2019
4 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-07-2026 and is due by 28-02-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-07-2026 close15-09-2026 today28-02-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€23k▼ 25.3%
2024 · €31k
2019: €-51k
2020: €-8k
2021: €31k
2022: €11k
2023: €48k
2024: €31k
2019 → 2025
Working capital
€202k▲ 12.3%
2024 · €180k
2019: €56k
2020: €50k
2021: €81k
2022: €99k
2023: €147k
2024: €180k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€81k-€92k▲ 13.5%€140k▲ 52.1%€171k▲ 22.2%€194k▲ 13.6%
Operating result€33k-€12k▼ 64.3%€56k▲ 379%€43k▼ 24.1%€32k▼ 25.8%
Net result€31k-€11k▼ 64.9%€48k▲ 337%€31k▼ 35.1%€23k▼ 25.3%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 26% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €214k
Equity
€194k▲ 13.6%
Debt
€20k▼ 55.7%
The debt ratio falls from 21.2% to 9.5%: equity grows while debt is paid down.
Key figures and ratios
Solvency
90.5%▲
2024 · 78.8%
Current ratio
17.89▲
2024 · 5.95
Quick ratio
16.82▲
2024 · 5.68
Debt / equity
0.10▼
2024 · 0.27
ROE
12.0%▼
2024 · 18.2%
ROA
10.8%▼
2024 · 14.3%
Debt
€20k▼
2024 · €46k
Debt ≤ 1 year
€12k▼
2024 · €36k
Income taxes
€8k▼
2024 · €11k
Staff costs
€15k
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€217k€214k▼
Current assets29/58€217k€214k▼
Stocks and contracts in progress3€10k€13k▲
Stocks30/36€10k€13k▲
Amounts receivable within one year40/41€90k€89k▼
Trade receivables40€438€903▲
Other amounts receivable41€89k€88k▼
Current investments50/53€64€90k▲
Cash at bank and in hand54/58€115k€20k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€217k€214k▼
Equity10/15€171k€194k▲
Contributions10/11€19k€19k=
Reserves13€62k€62k=
Tax-exempt reserves132€10k€10k=
Distributable reserves133€52k€52k=
Profit (loss) carried forward14€90k€114k▲
Amounts payable17/49€46k€20k▼
Amounts payable within one year42/48€36k€12k▼
Trade debts44€913-
Suppliers440/4€913-
Taxes, remuneration and social security45€11k€3k▼
Taxes450/3€11k€2k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€24k€9k▼
Accrued charges and deferred income492/3€10k€8k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€15k
Other operating charges640/8€535€599▲
Gross operating margin9900€43k€47k▲
Operating profit (loss)9901€43k€32k▼
Financial charges65/66B€392€360▼
Recurring financial charges65€392€360▼
Profit (loss) for the period before taxes9903€42k€31k▼
Income taxes67/77€11k€8k▼
Profit (loss) for the period9904€31k€23k▼
Profit (loss) for the period to be appropriated9905€31k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€90k€114k▲
Profit (loss) brought forward from the previous period14P€59k€90k▲
The notes to these accounts (5 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
2025
27-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-07
Financial
Liquidity triplescurrent ratio 17.89
Current ratio from 5.95 to 17.89; short-term debt falls from €36k to €12k.
2024
29-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-07
Financial
Equity above €150kEq €171k ▲22.2%
4 profitable years in a row build equity to €171k.
2023
28-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-07
Financial
Highest result since 2019net €48k ▲337%
Operating result €56k, net result €48k, both a record.
31-07
Financial
Liquidity doublescurrent ratio 6.44
Current ratio from 3.22 to 6.44; short-term debt falls from €45k to €27k.
31-07
Financial
Equity above €100kEq €140k ▲52.1%
3 profitable years in a row build equity to €140k.
2022
21-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 29 days late
2021
31-07
Financial
Back to profitnet €31k
Net result €31k after 2 loss-making years.
17-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 17 days late
2020
25-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
27-02
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
29-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
16-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Genappe · 2 establishment units since 2006
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.
Rue Croisette 121470 GenappeGround area
5,270 m²
Building footprint
1,235 m²
Volume, LiDAR
13,446 m³
2 parcels, Wallonia · tallest building 13.0 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Francesca Romana
since 20062.156.356.322
CAZUBA
since 20122.224.860.591
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25003E0122/00B000 | Wallonia | 3,997 m² | 1 · 165 m² | 8.4 m · 2 fl. |
| 25763L0424/00D000 | Wallonia | 1,273 m² | 1 · 1,069 m² | 13.0 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.
Similar companies · same sector, comparable size
Sia Store
BE 0756.783.409
Huldenberg · Eq €194k
COTTON RIVER
BE 0433.123.014
Visé · Eq €194k
Lukamachain
BE 0785.296.261
Bertem · Eq €194k
VANMAR
BE 0426.248.682
Welkenraedt · Eq €195k
RMT&CO
BE 0730.903.512
Wavre · Eq €193k
Of 6,459 companies in sector 47716 we hold annual accounts for 2,420. 1,781 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-08-2004
Fiscal year end31-07
Activities, NACEBEL
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
52421
47715Retail trade
47721Retail sale of footwear
47722Retail trade
47784Retail sale of souvenirs and religious articles
47786Retail trade
52497
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
4 entriesE-mail:guy.libotte@scarlet.be
Phone:0475/736424
Phone:067/771174
Phone:02/351.54.89