NANAZ
ActiveSummary
NANAZ has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€28,487) and a net result of -€5,370. Equity is growing by ~44.6% per year across the filed fiscal years. Its solvency ranks better than 13% of 18626 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability59▼-41
Solvency0=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.31 against 0.32 in 2024; short-term debt: 143.3% and cash: 35.9% of total assets), and equity is negative.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 2025Solvency, return and age of the figures
Solvency
-43.3%
Return on assets
-8.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year -€28,487
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 7 filingsDeviation from the deadline
2025
25 d late
2024
97 d late
2023
161 d late
1993
12 d early
1992
11 d early
1991
7 d early
1990
35 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 41 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 25 August (4 of the last 5 filed years within 72 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€5,370
2024 · €30,774
Working capital
-€65,182▲ 8.8%
2024 · -€71,504
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result-€35,046-€33,919-€5,170
Net result-€35,347below the sector's middle half-€30,774above the sector's middle half-€5,370below the sector's middle half
Equity-€53,891below the sector's middle half--€23,116below the sector's middle half▲ 57.1%-€28,487below the sector's middle half▼ 23.2%
Total assets€38,671below the sector's middle half-€82,519within the sector's middle half▲ 113%€65,749within the sector's middle half▼ 20.3%
Debt€92,562-€105,636▲ 14.1%€94,236▼ 10.8%
Working capital-€88,891below the sector's middle half--€71,504below the sector's middle half▲ 19.6%-€65,182below the sector's middle half▲ 8.8%
Solvency-139.4%below the sector's middle half--28.0%below the sector's middle half▲ 111.3pp-43.3%below the sector's middle half▼ 15.3pp
Current ratio0.04below the sector's middle half-0.32below the sector's middle half▲ 0.280.31below the sector's middle half▼ 0.01
Return on assets (ROA)-91.4%below the sector's middle half-37.3%above the sector's middle half▲ 128.7pp-8.2%below the sector's middle half▼ 45.5pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5,170 after €33,919 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €65,749
Fixed assets
€36,695 ▼ 24.2%
Current assets
€29,054 ▼ 14.9%
Key figures and ratios
EBITDA
€6,523▼
2024 · €45,611
Cash flow
€6,323▼
2024 · €42,466
Debt to equity
-3.31▲
2024 · -4.57
Interest coverage
32.62▼
2024 · 84.37
Debt ≤ 1 year
€94,236▼
2024 · €105,636
Staff costs
€69,322▼
2024 · €69,822
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,795 companies that looked in July 2024 the way this one looks now, 2.1% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- negative equity
- a small loss
2.1%
went bankrupt
6.0%
stopped otherwise
90%
still going
A further 1.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,795 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €16,938 | €69,822 | €69,322 | ▼ 0.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €11,692 | €11,693 | = |
| Other operating charges640/8 | €1,064 | €659 | €16,920 | ▲ 2,469% |
| Gross operating margin9900 | -€17,044 | €116,092 | €92,765 | ▼ 20.1% |
| Operating profit (loss)9901 | -€35,046 | €33,919 | -€5,170 | ▼ 115% |
| Financial charges65/66B | €301 | €541 | €200 | ▼ 63.0% |
| Recurring financial charges65 | €301 | €541 | €200 | ▼ 63.0% |
| Profit (loss) for the period before taxes9903 | -€35,347 | €33,379 | -€5,370 | ▼ 116% |
| Income taxes67/77 | - | €2,604 | - | - |
| Profit (loss) for the period9904 | -€35,347 | €30,774 | -€5,370 | ▼ 117% |
| Profit (loss) for the period to be appropriated9905 | -€35,347 | €30,774 | -€5,370 | ▼ 117% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €38,671 | €82,519 | €65,749 | ▼ 20.3% |
| Fixed assets21/28 | €35,000 | €48,387 | €36,695 | ▼ 24.2% |
| Intangible fixed assets21 | €25,000 | €25,000 | €25,000 | = |
| Tangible fixed assets22/27 | €10,000 | €23,387 | €11,695 | ▼ 50.0% |
| Furniture and vehicles24 | €10,000 | €23,387 | €11,695 | ▼ 50.0% |
| Leasing and similar rights25 | €0 | €0 | - | - |
| Current assets29/58 | €3,671 | €34,132 | €29,054 | ▼ 14.9% |
| Amounts receivable within one year40/41 | €2,606 | €12,155 | €5,426 | ▼ 55.4% |
| Trade receivables40 | €1,500 | €12,155 | €4,251 | ▼ 65.0% |
| Other amounts receivable41 | €1,106 | €0 | €1,175 | - |
| Cash at bank and in hand54/58 | €1,066 | €21,977 | €23,628 | ▲ 7.5% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €38,671 | €82,519 | €65,749 | ▼ 20.3% |
| Equity10/15 | -€53,891 | -€23,116 | -€28,487 | ▼ 23.2% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €1,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €1,859 | = |
| Profit (loss) carried forward14 | -€74,342 | -€43,568 | -€48,938 | ▼ 12.3% |
| Amounts payable17/49 | €92,562 | €105,636 | €94,236 | ▼ 10.8% |
| Amounts payable within one year42/48 | €92,562 | €105,636 | €94,236 | ▼ 10.8% |
| Current portion of amounts payable after more than one year42 | €5,412 | €0 | - | - |
| Trade debts44 | €20,263 | €5,866 | €1,173 | ▼ 80.0% |
| Suppliers440/4 | €20,263 | €5,866 | €1,173 | ▼ 80.0% |
| Advances received on contracts in progress46 | €5,300 | €300 | €300 | = |
| Taxes, remuneration and social security45 | €14,847 | €24,082 | €22,347 | ▼ 7.2% |
| Taxes450/3 | €316 | €481 | €4,070 | ▲ 747% |
| Remuneration and social security454/9 | €14,531 | €23,602 | €18,277 | ▼ 22.6% |
| Other amounts payable47/48 | €46,740 | €75,387 | €70,416 | ▼ 6.6% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€35,347 | €30,774 | -€5,370 | ▼ 117% |
| + Depreciation and write-downs630 | - | €11,692 | €11,693 | = |
| Operating cash flow (approximation) | -€35,347 | €42,466 | €6,323 | ▼ 85.1% |
| Investment in fixed assets (approximation) | - | -€25,079 | -€1 | ▲ 100.0% |
| Change in cash | - | €20,911 | €1,651 | ▼ 92.1% |
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
05-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 97 days late
08-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 161 days late
2024
31-12
Financial
Back to profitnet €30,774
Net result €30,774 after one loss-making year.
1994
19-07
NBB filing
Annual accounts filed
fiscal year 1993 · full schema
1993
20-07
NBB filing
Annual accounts filed
fiscal year 1992 · full schema
1992
24-07
NBB filing
Annual accounts filed
fiscal year 1991 · full schema
1991
04-09
NBB filing
Annual accounts filed
fiscal year 1990 · full schema · 35 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Ukkel · 1 establishment unit since 1990
Ground area
1,386 m²
Building footprint
342 m²
Volume, LiDAR
2,683 m³
2 parcels, Brussels · tallest building 15.6 m, ±4 floors. Linked by address, not a title deed.
8
companies at this address
See who is registered here
1 establishment unit
Landbouwstraat 110, 1030 Schaarbeek
since 19902.047.536.772
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21902A0273/00Z009 | Brussels | 1,146 m² | 1 · 120 m² | 15.6 m · 4 fl. |
| 21616G0017/00T002 | Brussels | 239 m² | 1 · 223 m² | 10.8 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector and region
A.S. CONSTRUCT
BE 0697.647.655
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AUTO EXPERIENCE
BE 0830.529.341
Ukkel
AUTOLINK
BE 0456.984.717
Ukkel
AUTOMECA
BE 0460.126.923
Ukkel
AUTOPARAD
BE 1010.699.715
Ukkel
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 10,663 companies in sector 47811 we hold annual accounts for 5,225. See the whole sector
Identification & contact
Identification
Legal formGeneral partnership
Founded04-01-1990
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
49330On-demand passenger transport by chauffeured vehicle
49310Scheduled passenger transport by road
E-invoicing
Reachable via Peppol
Peppol ID
0208:0439624289
Registered
16-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.