LAZO BUILDING
ActiveThe computed 12-month bankruptcy probability of LAZO BUILDING is 3.6% (moderate). The 2024 annual accounts show equity of €12k and a net result of €-259. Its solvency ranks better than 48% of 9981 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability68▼-26
Solvency65▲+5
Growth32
Track record94
Bankruptcy probability, 12 months
3.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.48 against 1.48 in 2023; short-term debt: 60% and cash: 37.8% of total assets), and 60% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
40%
Return on assets
-0.9%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-05-2026, 277 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
277 d late
2023
30 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€12k▼ 2.2%
2023 · €12k
2023: €12k
2023 → 2024
Total assets
€29k▼ 15.1%
2023 · €34k
2023: €34k
2023 → 2024
Net result
€-259
2023 · €7k
2023: €7k
2023 → 2024
Working capital
€8k▼ 23.0%
2023 · €11k
2023: €11k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€12k-€12k▼ 2.2%
Operating result€9k-€1k▼ 88.0%
Net result€7k-€-259
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 88% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €29k
Fixed assets
€3k
Current assets
€26k
Equity and liabilities €29k
Equity
€12k▼ 2.2%
Debt
€17k▼ 21.9%
The debt ratio falls from 65.3% to 60.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€3k▼
2023 · €10k
Cash flow
€2k▼
2023 · €8k
Solvency
40.0%▲
2023 · 34.7%
Current ratio
1.48▼
2023 · 1.48
Quick ratio
1.48▼
2023 · 1.48
Debt / equity
1.50▼
2023 · 1.88
ROE
-2.2%▼
2023 · 57.6%
ROA
-0.9%▼
2023 · 20.0%
Interest coverage
30.61▼
2023 · 180.47
Debt
€17k▼
2023 · €22k
Debt ≤ 1 year
€17k▼
2023 · €22k
Income taxes
€1k▼
2023 · €2k
Staff costs
€2k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€34k€29k▼
Formation expenses20€1k-
Fixed assets21/28-€3k
Intangible fixed assets21-€1k
Tangible fixed assets22/27-€2k
Furniture and vehicles24-€2k
Current assets29/58€33k€26k▼
Amounts receivable within one year40/41€20k€13k▼
Trade receivables40€19k€11k▼
Other amounts receivable41€709€3k▲
Cash at bank and in hand54/58€13k€11k▼
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€34k€29k▼
Equity10/15€12k€12k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€7k€7k▼
Amounts payable17/49€22k€17k▼
Amounts payable within one year42/48€22k€17k▼
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Taxes, remuneration and social security45€2k€15k▲
Taxes450/3€2k€3k▲
Remuneration and social security454/9-€12k
Other amounts payable47/48€16k€632▼
Income statement
Code20232024
Remuneration, social security and pensions62-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8-€739
Gross operating margin9900€10k€6k▼
Operating profit (loss)9901€9k€1k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€56€100▲
Recurring financial charges65€56€100▲
Profit (loss) for the period before taxes9903€9k€928▼
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€7k€-259▼
Profit (loss) for the period to be appropriated9905€7k€-259▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€7k▼
Profit (loss) brought forward from the previous period14P-€7k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
04-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 277 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
NBB filing
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, Kraainem · 1 establishment unit since 2023
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.
Steenweg op Mechelen 4551950 KraainemGround area
1.2 ha
Building footprint
936 m²
Volume, LiDAR
34,747 m³
2 parcels, Flanders, Wallonia · tallest building 42.8 m, ±14 floors. Linked by address, not a title deed.
1 establishment unit
LAZO BUILDING
since 20232.348.878.655
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22002C0073/00N009 | Flanders | 1.1 ha | 1 · 865 m² | 42.8 m · 14 fl. |
| 62313E0689/00L000 | Wallonia | 308 m² | 1 · 71 m² | 12.3 m · 3 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.
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Vastor
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BE 0749.793.766
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Brick Over Brick
BE 0794.428.614
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Pikobelloo
BE 0888.476.646
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MA COORDINATION
BE 1018.087.650
Sint-Genesius-Rode · Eq €12k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 9,793 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-06-2023
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43410Roofing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.