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LAZ

Active
Coöperatieve vennootschap met beperkte aansprakelijkheidfounded 198838 yrs activeMartin Luther Kingplein 7, 1070 Anderlecht, BelgiumKBO/BCE: BE 0434.897.520
Summary

LAZ has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€72,066) and a net result of €12,388. Equity is shrinking by ~30% per year across the filed fiscal years. Its solvency ranks better than 5% of 12411 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).

Risk analysisWatch ReportCompare
LAZActiveChecked score 56/100
Risk analysis ReportCompare

Overview

Activity
Non-specialised retail sale with food, beverages or tobacco predominating
NACE 47110NACE 47112NACE 52112
1 site
Size
€21,675total assets 2025
Equity
-€72,066
Profit
€12,388
Turnover not published (abridged schema)
Financial health
56 Fair Checked score 2025
Bankruptcy chance 12 m
1.1%
Structure
Accounts filed 56 d late0 of 1 deed read
Why 56Capped at 59: negative equity- Sector Retail trade (NACE 47)- Negative equity -€72,066- Latest accounts 56 days late; 2 of the last 3 late+ Founded in 1988Show the evidence

Checked score

Score 2025
56 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 55% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Negative equity caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 0=
equity -332.5% of total assets
Liquidity 49+47
short-term debt 432.5% · cash 39.4%
Profitability 100+45
return on assets 57.2%
Bankruptcy probability, 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,155 companies)
Last 24 months 11-2024: 2.9% 12-2024: 2.9%● 0.0% vs 11-2024 01-2025: 2.9%▼ -0.9% vs 12-2024 02-2025: 2.9%● 0.0% vs 01-2025 03-2025: 2.9%▼ -2.0% vs 02-2025 04-2025: 2.9%● 0.0% vs 03-2025 05-2025: 2.9%● 0.0% vs 04-2025 06-2025: 2.8%▼ -2.5% vs 05-2025 07-2025: 3.2%▲ +13.4% vs 06-2025 08-2025: 3.6%▲ +15.7% vs 07-2025highest value 09-2025: 3.5%▼ -4.4% vs 08-2025 10-2025: 1.3%▼ -63.9% vs 09-2025 11-2025: 1.3%● 0.0% vs 10-2025 12-2025: 1.3%● 0.0% vs 11-2025 01-2026: 1.2%▼ -1.0% vs 12-2025 02-2026: 1.2%● 0.0% vs 01-2026 03-2026: 1.2%▲ +0.1% vs 02-2026 04-2026: 1.3%▲ +0.9% vs 03-2026 05-2026: 1.3%▲ +0.6% vs 04-2026 06-2026: 1.2%▼ -2.8% vs 05-2026 07-2026: 1.4%▲ +13.1% vs 06-2026 08-2026: 2.1%▲ +54.5% vs 07-2026 09-2026: 2.4%▲ +11.0% vs 08-2026 10-2026: 1.1%▼ -55.5% vs 09-2026lowest value
  • Sector Retail trade (NACE 47) raises the probability
  • Founded in 1988 lowers the probability for this profile
  • Negative equity -€72,066 raises the probability
  • Latest accounts 56 days late; 2 of the last 3 late raises the probability
No credit on open account
Liquidity short (current ratio 0.17 against 0.07 in 2024; short-term debt: 432.5% and cash: 39.4% of total assets), and equity is negative.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 6%, liquidity 49%, profitability 96%, growth against the median 67%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 06-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Sector Retail trade (NACE 47)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Founded in 1988
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Negative equity -€72,066
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Latest accounts 56 days late; 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 12411 sector peers (2025).
NBB · sector comparison
Position among 12411 sector peers
Solvency
better than 5%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-09-2026, 56 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 · 10 filings
Deviation from the deadline
2025
56 d late
2024
28 d late
2023
31 d late
2022
44 d late
2021
78 d late
2020
205 d late
2019
130 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 82 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

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. Usually files around 13 September (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
07-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Highest result since 2018net €12,388 ▲816%
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Risk: Negative equityfiscal year 2025: debts exceed assets -€72,066 View
  • Caution: Among the weakest 5% on solvencysector median 37.1% · 12,411 companies -332.5% View
  • Active since 1988founded 25-07-1988 38 years View

By topic

Financials

Fiscal year
2025
Total assets
€21,675
Profit
€12,388
Solvency
-332.5%
Turnover▼ 19.6%
Net result
20182022
Go to Financials

Timeline

Events
13
Since
2017
Next accounts
by 31-07-2027
  1. 25-09-2026Annual accounts filed
  2. 31-12-2025Highest result since 2018
  3. 28-08-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Coöperatieve vennootschap met beperkte aansprakelijkheid
Activity
Non-specialised retail sale with food, beverages or tobacco…NACE 47110
Founded
25-07-1988
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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