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.
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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
26-09-2026 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 simulator 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 How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check
Financials · fiscal year 2025, micro schema
Equity
€155k▼ 1.5%
2024 · €158k
Total assets
€166k▼ 5.3%
2024 · €175k
Net result
€-2k
2024 · €663
Working capital
€153k▼ 1.4%
2024 · €155k
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€53k▲ 153%€71k▲ 33.9%€48k▼ 32.0%€3k▼ 94.3%€-3k
Net result€39k▲ 87.7%€52k▲ 31.1%€35k▼ 32.8%€663▼ 98.1%€-2k
Equity€71k▲ 126%€122k▲ 73.1%€157k▲ 28.4%€158k▲ 0.4%€155k▼ 1.5%
Total assets€94k▲ 139%€166k▲ 77.2%€209k▲ 25.9%€175k▼ 16.0%€166k▼ 5.3%
Debt€23k▲ 189%€43k▲ 89.8%€52k▲ 18.8%€18k▼ 65.9%€11k▼ 38.6%
Working capital€65k▲ 129%€119k▲ 81.6%€155k▲ 30.4%€155k▲ 0.1%€153k▼ 1.4%
Staff (FTE)1▲ 100%1=1=1=1.5▲ 50.0%
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.
Annual accounts
| 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.
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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.
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Of 11,220 companies in sector 82100 we hold annual accounts for 3,511. 2,552 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.