FZA
ActiveSummary
FZA has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €155k and a net result of €-2k. Equity is growing by ~49.5% per year across the filed fiscal years. Its solvency ranks better than 93% of 7780 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability17▼-52
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 15.09 against 9.77 in 2024; short-term debt: 6.5% and cash: 1.9% of total assets), and 6.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% 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
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
29 d late
2023
30 d late
2022
30 d late
2021
31 d late
2020
123 d late
2019
108 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, micro schema
Equity
€155k▼ 1.5%
2024 · €158k
2018: €18k
2019: €10k▼ -42.9% vs 2018lowest in 8 years
2020: €31k▲ +205% vs 2019
2021: €71k▲ +126% vs 2020
2022: €122k▲ +73.1% vs 2021
2023: €157k▲ +28.4% vs 2022
2024: €158k▲ +0.4% vs 2023highest in 8 years
2025: €155k▼ -1.5% vs 2024
2018 → 2025
Total assets
€166k▼ 5.3%
2024 · €175k
2018: €19k
2019: €15k▼ -20.8% vs 2018lowest in 8 years
2020: €39k▲ +163% vs 2019
2021: €94k▲ +139% vs 2020
2022: €166k▲ +77.2% vs 2021
2023: €209k▲ +25.9% vs 2022highest in 8 years
2024: €175k▼ -16.0% vs 2023
2025: €166k▼ -5.3% vs 2024
2018 → 2025
Net result
€-2k
2024 · €663
2018: €-13klowest in 8 years
2019: €-8k▲ +39.0% vs 2018
2020: €21k▲ +372% vs 2019
2021: €39k▲ +87.7% vs 2020
2022: €52k▲ +31.1% vs 2021highest in 8 years
2023: €35k▼ -32.8% vs 2022
2024: €663▼ -98.1% vs 2023
2025: €-2k▼ -463% vs 2024
2018 → 2025
Working capital
€153k▼ 1.4%
2024 · €155k
2018: €15k
2019: €7k▼ -49.7% vs 2018lowest in 8 years
2020: €28k▲ +281% vs 2019
2021: €65k▲ +129% vs 2020
2022: €119k▲ +81.6% vs 2021
2023: €155k▲ +30.4% vs 2022
2024: €155k▲ +0.1% vs 2023highest in 8 years
2025: €153k▼ -1.4% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€122k▲ 73.1%€157k▲ 28.4%€158k▲ 0.4%€155k▼ 1.5%
2021: €71klowest in 5 years
2022: €122k▲ +73.1% vs 2021
2023: €157k▲ +28.4% vs 2022
2024: €158k▲ +0.4% vs 2023highest in 5 years
2025: €155k▼ -1.5% vs 2024
Operating result€53k-€71k▲ 33.9%€48k▼ 32.0%€3k▼ 94.3%€-3k
2021: €53k
2022: €71k▲ +33.9% vs 2021highest in 5 years
2023: €48k▼ -32.0% vs 2022
2024: €3k▼ -94.3% vs 2023
2025: €-3k▼ -217% vs 2024lowest in 5 years
Net result€39k-€52k▲ 31.1%€35k▼ 32.8%€663▼ 98.1%€-2k
2021: €39k
2022: €52k▲ +31.1% vs 2021highest in 5 years
2023: €35k▼ -32.8% vs 2022
2024: €663▼ -98.1% vs 2023
2025: €-2k▼ -463% vs 2024lowest in 5 years
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 €3k after €3k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €166k
Fixed assets
€3k ▼ 8.3%
Current assets
€163k ▼ 5.2%
Equity and liabilities €166k
Equity
€155k ▼ 1.5%
Debt
€11k ▼ 38.6%
Debt's share of the balance-sheet total falls from 10.1% to 6.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-3k▼
2024 · €3k
Cash flow
€-2k▼
2024 · €902
Current ratio
15.09▲
2024 · 9.77
Debt to equity
0.07▼
2024 · 0.11
ROE
-1.6%▼
2024 · 0.4%
ROA
-1.4%▼
2024 · 0.4%
Interest coverage
-19.25▼
2024 · 39.18
Debt ≤ 1 year
€11k▼
2024 · €18k
Income taxes
€180▼
2024 · €2k
Staff costs
€24k▲
2024 · €18k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€175k€166k▼
Fixed assets21/28€3k€3k▼
Tangible fixed assets22/27€481€241▼
Plant, machinery and equipment23€481€241▼
Financial fixed assets28€2k€2k=
Current assets29/58€172k€163k▼
Amounts receivable within one year40/41€148k€160k▲
Trade receivables40€146k€138k▼
Other amounts receivable41€3k€22k▲
Cash at bank and in hand54/58€24k€3k▼
Equity and liabilities
Total equity and liabilities10/49€175k€166k▼
Equity10/15€158k€155k▼
Contributions10/11€19k€19k=
Reserves13€12k€12k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€10k€10k=
Profit (loss) carried forward14€127k€125k▼
Amounts payable17/49€18k€11k▼
Amounts payable within one year42/48€18k€11k▼
Trade debts44€557€1k▲
Suppliers440/4€557€1k▲
Taxes, remuneration and social security45€17k€10k▼
Taxes450/3€17k€10k▼
Income statement
Code20242025
Remuneration, social security and pensions62€18k€24k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€239€240▲
Other operating charges640/8€873€2k▲
Gross operating margin9900€22k€23k▲
Operating profit (loss)9901€3k€-3k▼
Financial income75/76B-€1k
Recurring financial income75-€1k
Financial charges65/66B€77€156▲
Recurring financial charges65€77€156▲
Profit (loss) for the period before taxes9903€3k€-2k▼
Income taxes67/77€2k€180▼
Profit (loss) for the period9904€663€-2k▼
Profit (loss) for the period to be appropriated9905€663€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€127k€125k▼
Profit (loss) brought forward from the previous period14P€127k€127k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €14k | €13k | €14k | €18k | €24k | ▲ 32.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k | €2k | €1k | €239 | €240 | ▲ 0.3% |
| Other operating charges640/8 | €1k | €1k | €1k | €873 | €2k | ▲ 77.5% |
| Gross operating margin9900 | €69k | €87k | €65k | €22k | €23k | ▲ 2.7% |
| Operating profit (loss)9901 | €53k | €71k | €48k | €3k | €-3k | ▼ 217% |
| Financial income75/76B | - | - | - | - | €1k | - |
| Recurring financial income75 | - | - | - | - | €1k | - |
| Financial charges65/66B | €81 | €203 | €68 | €77 | €156 | ▲ 104% |
| Recurring financial charges65 | €81 | €203 | €68 | €77 | €156 | ▲ 104% |
| Profit (loss) for the period before taxes9903 | €53k | €71k | €48k | €3k | €-2k | ▼ 183% |
| Income taxes67/77 | €14k | €19k | €14k | €2k | €180 | ▼ 91.1% |
| Profit (loss) for the period9904 | €39k | €52k | €35k | €663 | €-2k | ▼ 463% |
| Profit (loss) for the period to be appropriated9905 | €39k | €52k | €35k | €663 | €-2k | ▼ 463% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €94k | €166k | €209k | €175k | €166k | ▼ 5.3% |
| Fixed assets21/28 | €5k | €4k | €2k | €3k | €3k | ▼ 8.3% |
| Tangible fixed assets22/27 | €3k | €1k | - | €481 | €241 | ▼ 49.9% |
| Plant, machinery and equipment23 | €17 | - | - | €481 | €241 | ▼ 49.9% |
| Furniture and vehicles24 | €3k | €1k | - | - | - | - |
| Financial fixed assets28 | €2k | €2k | €2k | €2k | €2k | = |
| Current assets29/58 | €88k | €162k | €206k | €172k | €163k | ▼ 5.2% |
| Amounts receivable within one year40/41 | €60k | €129k | €168k | €148k | €160k | ▲ 8.0% |
| Trade receivables40 | €60k | €128k | €168k | €146k | €138k | ▼ 5.1% |
| Other amounts receivable41 | - | €219 | €743 | €3k | €22k | ▲ 676% |
| Cash at bank and in hand54/58 | €29k | €33k | €38k | €24k | €3k | ▼ 86.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €94k | €166k | €209k | €175k | €166k | ▼ 5.3% |
| Equity10/15 | €71k | €122k | €157k | €158k | €155k | ▼ 1.5% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Capital10 | €19k | €19k | - | - | - | - |
| Issued capital100 | €19k | €19k | - | - | - | - |
| Reserves13 | €12k | €12k | €12k | €12k | €12k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Legal reserve130 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | - | - | €2k | €2k | €2k | = |
| Distributable reserves133 | €10k | €10k | €10k | €10k | €10k | = |
| Profit (loss) carried forward14 | €40k | €92k | €127k | €127k | €125k | ▼ 1.9% |
| Amounts payable17/49 | €23k | €43k | €52k | €18k | €11k | ▼ 38.6% |
| Amounts payable within one year42/48 | €23k | €43k | €52k | €18k | €11k | ▼ 38.6% |
| Trade debts44 | €2k | €819 | €10k | €557 | €1k | ▲ 83.8% |
| Suppliers440/4 | €2k | €819 | €10k | €557 | €1k | ▲ 83.8% |
| Taxes, remuneration and social security45 | €21k | €43k | €42k | €17k | €10k | ▼ 42.6% |
| Taxes450/3 | €21k | €43k | €42k | €17k | €10k | ▼ 42.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €39k | €52k | €35k | €663 | €-2k | ▼ 463% |
| + Depreciation and write-downs630 | €1k | €2k | €1k | €239 | €240 | ▲ 0.3% |
| Operating cash flow (approximation) | €41k | €53k | €36k | €902 | €-2k | ▼ 340% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-720 | €0 | ▲ 100% |
| Change in cash | - | €5k | €5k | €-14k | €-21k | ▼ 48.4% |
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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 9.77
Current ratio from 3.99 to 9.77; short-term debt falls from €52k to €18k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €150kEq €157k ▲28.4%
4 profitable years in a row build equity to €157k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Highest result since 2018net €52k ▲31.1%
Operating result €71k, net result €52k, both a record.
31-12
Financial
Equity above €100kEq €122k ▲73.1%
3 profitable years in a row build equity to €122k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
01-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 123 days late
2020
31-12
Financial
Back to profitnet €21k
Net result €21k after 2 loss-making years.
16-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 108 days late
Show earlier events
2019
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 57 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 56 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 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
8 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, Antwerpen · 1 establishment unit since 2009
Ground area
5,905 m²
Building footprint
220 m²
Volume, LiDAR
4,719 m³
Parcel 11344A0528/00K013, Flanders · tallest building 25.7 m, ±8 floors. Linked by address, not a title deed.
8
companies at this address
See who is registered here
1 establishment unit
SR Boekhouding & Advies
since 20092.180.344.026
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11344A0528/00K013 | Flanders | 5,905 m² | 1 · 220 m² | 25.7 m · 8 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.
Similar companies · same sector, comparable size
ANTWERP FRESH FOOD
BE 0810.219.521
Schilde · Eq €155,189
V.D.A.DEPANNAGE
BE 0467.154.077
Tubize · Eq €154,862
Nüvodent Partners I
BE 1017.464.177
Antwerpen · Eq €154,701
IMMOFAN
BE 0565.939.768
Visé · Eq €154,621
Imprimerie Guy MOTTIAUX
BE 0427.716.055
Sint-Lambrechts-Woluwe · Eq €156,208
Of 11,218 companies in sector 82100 we hold annual accounts for 3,511. 2,553 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
Founded27-08-2009
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
82100Office administrative and support services
69209Other tax advisory services
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.