LAZZLO
ActiveSummary
The computed 12-month bankruptcy probability of LAZZLO is 3.0% (moderate). The 2025 annual accounts show equity of €33k and a net result of €3k. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 89% of 480 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability53▼-12
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 5.3 against 14.51 in 2024; short-term debt: 18.8% and cash: 19.5% of total assets), and 18.8% of the assets are financed with debt.
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Signals
Five 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 53
Relative position
BE, all sectors
reference
Postal and courier activities (NACE 53)
about 277% more 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
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
81.2%
Return on assets
6.3%
Age of the figures
9 mo
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
5 d early
2023
7 d early
2022
4 d early
2021
9 d early
2020
13 d early
2019
4 d early
← 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 Roughly what is this company worth?Value indication
Financials · fiscal year 2025, micro schema
Equity
€33k▲ 8.4%
2024 · €30k
Total assets
€41k▲ 11.8%
2024 · €36k
Net result
€3k
2024 · €-1k
Working capital
€33k▼ 2.5%
2024 · €34k
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€-3k€3k€119▼ 95.6%€-1k€1k
Net result€-4k€554€1k▲ 101%€-1k€3k
Equity€30k▼ 12.0%€30k▲ 1.9%€32k▲ 3.7%€30k▼ 3.6%€33k▲ 8.4%
Total assets€52k▼ 18.6%€48k▼ 6.5%€45k▼ 7.6%€36k▼ 18.6%€41k▲ 11.8%
Debt€22k▼ 26.2%€18k▼ 17.9%€13k▼ 26.8%€6k▼ 54.9%€8k▲ 29.7%
Working capital€28k▲ 0.5%€29k▲ 3.1%€30k▲ 5.0%€34k▲ 11.5%€33k▼ 2.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €1k after a loss of €1k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €41k
Fixed assets
€220 =
Current assets
€40k ▲ 11.9%
Equity and liabilities €41k
Equity
€33k ▲ 8.4%
Debt
€8k ▲ 29.7%
Debt's share of the balance-sheet total rises from 16.2% to 18.8%. Equity and debt are higher.
Key figures and ratios
Current ratio
5.30▼
2024 · 14.51
Debt to equity
0.23▲
2024 · 0.19
ROE
7.7%▲
2024 · -3.7%
ROA
6.3%▲
2024 · -3.1%
Debt ≤ 1 year
€8k▲
2024 · €2k
Income taxes
€96▼
2024 · €2k
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €1k | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5k | €5k | €5k | €5k | - | - |
| Other operating charges640/8 | €2k | €319 | €798 | €186 | €2k | ▲ 994% |
| Gross operating margin9900 | €4k | €8k | €6k | €4k | €3k | ▼ 10.0% |
| Operating profit (loss)9901 | €-3k | €3k | €119 | €-1k | €1k | ▲ 229% |
| Financial income75/76B | €2k | €0 | €1k | €2k | €1k | ▼ 8.5% |
| Recurring financial income75 | €2k | €0 | €1k | €2k | €1k | ▼ 8.5% |
| Financial charges65/66B | €1k | €2k | €324 | €158 | €153 | ▼ 2.8% |
| Recurring financial charges65 | €1k | €2k | €324 | €158 | €153 | ▼ 2.8% |
| Profit (loss) for the period before taxes9903 | €-2k | €554 | €1k | €383 | €3k | ▲ 589% |
| Income taxes67/77 | €2k | - | - | €2k | €96 | ▼ 93.7% |
| Profit (loss) for the period9904 | €-4k | €554 | €1k | €-1k | €3k | ▲ 324% |
| Profit (loss) for the period to be appropriated9905 | €-4k | €554 | €1k | €-1k | €3k | ▲ 324% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €52k | €48k | €45k | €36k | €41k | ▲ 11.8% |
| Fixed assets21/28 | €14k | €9k | €5k | €220 | €220 | = |
| Tangible fixed assets22/27 | €14k | €9k | €5k | - | - | - |
| Leasing and similar rights25 | €14k | €9k | €5k | - | - | - |
| Financial fixed assets28 | €220 | €220 | €220 | €220 | €220 | = |
| Current assets29/58 | €37k | €39k | €40k | €36k | €40k | ▲ 11.9% |
| Amounts receivable within one year40/41 | €31k | €30k | €31k | €31k | €32k | ▲ 3.5% |
| Trade receivables40 | €2k | €2k | €2k | €1k | €5k | ▲ 355% |
| Other amounts receivable41 | €29k | €28k | €29k | €30k | €28k | ▼ 8.2% |
| Cash at bank and in hand54/58 | €7k | €9k | €9k | €5k | €8k | ▲ 67.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €52k | €48k | €45k | €36k | €41k | ▲ 11.8% |
| Equity10/15 | €30k | €30k | €32k | €30k | €33k | ▲ 8.4% |
| Contributions10/11 | €10k | €10k | €10k | €10k | €10k | = |
| Reserves13 | €4k | €4k | €4k | €4k | €4k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Tax-exempt reserves132 | €3k | €3k | €3k | €3k | €3k | = |
| Profit (loss) carried forward14 | €15k | €16k | €17k | €16k | €18k | ▲ 16.1% |
| Amounts payable17/49 | €22k | €18k | €13k | €6k | €8k | ▲ 29.7% |
| Amounts payable after more than one year17 | €12k | €8k | €3k | €3k | - | - |
| Financial debts170/4 | €12k | €8k | €3k | €3k | - | - |
| Amounts payable within one year42/48 | €10k | €10k | €10k | €2k | €8k | ▲ 206% |
| Current portion of amounts payable after more than one year42 | €4k | €4k | €4k | €197 | - | - |
| Trade debts44 | €5k | €5k | €5k | €2k | €7k | ▲ 346% |
| Suppliers440/4 | €5k | €5k | €5k | €2k | €7k | ▲ 346% |
| Taxes, remuneration and social security45 | €303 | €595 | - | €678 | €429 | ▼ 36.7% |
| Taxes450/3 | €303 | €595 | - | €678 | €429 | ▼ 36.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-4k | €554 | €1k | €-1k | €3k | ▲ 324% |
| + Depreciation and write-downs630 | €5k | €5k | €5k | €5k | - | - |
| Operating cash flow (approximation) | €512 | €5k | €6k | €3k | €3k | ▼ 26.7% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €2k | €-100 | €-4k | €3k | ▲ 177% |
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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 14.51
Current ratio from 4.13 to 14.51; short-term debt falls from €10k to €2k.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €554
Net result €554 after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-07
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.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Sint-Agatha-Berchem · 1 establishment unit since 2012
Ground area
290 m²
Building footprint
293 m²
Volume, LiDAR
2,049 m³
Parcel 21342B0043/00F003, Brussels · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
295
companies at this address
See who is registered here
1 establishment unit
LAZZLO
since 20122.214.373.210
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21342B0043/00F003 | Brussels | 290 m² | 1 · 293 m² | 10.6 m · 2 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.
Recognitions · licences · registrations
Parcel delivery
Notified to the BIPT
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Of 4,921 companies in sector 53200 we hold annual accounts for 1,323. 1,110 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 (pre-2019)
Founded04-10-2011
Fiscal year end31-12
Activities, NACEBEL 2025
53200Other postal and courier activities
Scores and ratios are computed by Checked and are not a credit decision.