NAZ Cleaning
ActiveThe computed 12-month bankruptcy probability of NAZ Cleaning is 3.4% (moderate). The 2024 annual accounts show equity of €17k and a net result of €-4k. Its solvency ranks better than 18% of 5898 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-100
Solvency12▼-1
Growth32
Stability94
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.72 against 0.68 in 2023), and 89.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 81
Relative position
BE, all sectors
reference
Sector 81
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
10.7%
Return on assets
-2.8%
Age of the figures
20 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 5898 sector peers (2024).
NBB · sector comparisonPosition among 5898 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-10-2025, 62 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 · 2 filingsDeviation from the deadline
2025
not confirmed
2024
62 d late
2023
on the day
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€17k▼ 20.5%
2023 · €21k
2023: €21k
2023 → 2024
Total assets
€160k▲ 1.2%
2023 · €158k
2023: €158k
2023 → 2024
Net result
€-4k
2023 · €19k
2023: €19k
2023 → 2024
Working capital
€-27k▼ 11.9%
2023 · €-24k
2023: €-24k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€21k-€17k▼ 20.5%
Operating result€34k-€10k▼ 71.1%
Net result€19k-€-4k
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 71% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €160k
Fixed assets
€92k▼ 13.6%
Current assets
€69k▲ 31.2%
Equity and liabilities €160k
Equity
€17k▼ 20.5%
Debt
€143k▲ 4.6%
The debt ratio rises from 86.4% to 89.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€39k▼
2023 · €59k
Cash flow
€25k▼
2023 · €45k
Solvency
10.7%▼
2023 · 13.6%
Current ratio
0.72▲
2023 · 0.68
Quick ratio
0.72▲
2023 · 0.68
Debt / equity
8.39▲
2023 · 6.37
ROE
-25.8%▼
2023 · 90.7%
ROA
-2.8%▼
2023 · 12.3%
Interest coverage
7.39▼
2023 · 16.76
Debt
€143k▲
2023 · €137k
Debt ≤ 1 year
€96k▲
2023 · €77k
Debt > 1 year
€43k▼
2023 · €60k
Income taxes
€9k▼
2023 · €11k
Staff costs
€103k▲
2023 · €53k
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€158k€160k▲
Fixed assets21/28€106k€92k▼
Tangible fixed assets22/27€106k€92k▼
Land and buildings22€24k€23k▼
Plant, machinery and equipment23€3k€5k▲
Furniture and vehicles24€79k€64k▼
Current assets29/58€52k€69k▲
Amounts receivable within one year40/41€25k€31k▲
Trade receivables40€24k€31k▲
Other amounts receivable41€187€894▲
Cash at bank and in hand54/58€27k€36k▲
Deferred charges and accrued income490/1€890€890=
Equity and liabilities
Total equity and liabilities10/49€158k€160k▲
Equity10/15€21k€17k▼
Contributions10/11€2k€2k=
Reserves13€19k€19k=
Distributable reserves133€19k€19k=
Profit (loss) carried forward14-€-4k
Amounts payable17/49€137k€143k▲
Amounts payable after more than one year17€60k€43k▼
Financial debts170/4€60k€43k▼
Amounts payable within one year42/48€77k€96k▲
Current portion of amounts payable after more than one year42€25k€28k▲
Trade debts44€9k€27k▲
Suppliers440/4€9k€27k▲
Taxes, remuneration and social security45€12k€25k▲
Taxes450/3€6k€11k▲
Remuneration and social security454/9€6k€14k▲
Other amounts payable47/48€30k€15k▼
Accrued charges and deferred income492/3€464€4k▲
Income statement
Code20232024
Remuneration, social security and pensions62€53k€103k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€29k▲
Other operating charges640/8€6k€1k▼
Non-recurring operating charges66A-€3k
Gross operating margin9900€118k€145k▲
Operating profit (loss)9901€34k€10k▼
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€30k€4k▼
Income taxes67/77€11k€9k▼
Profit (loss) for the period9904€19k€-4k▼
Profit (loss) for the period to be appropriated9905€19k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€-4k▼
Transfer to equity691/2€19k-
To other reserves6921€19k-
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
01-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 62 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
NBB filing
Directors · office · real estate
Directors
2 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-Niklaas · 1 establishment unit since 2022
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.
Van Durmestraat 899100 Sint-NiklaasGround area
342 m²
Building footprint
208 m²
Volume, LiDAR
468 m³
2 parcels, Flanders · tallest building 9.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
NAZ Cleaning
since 20222.333.611.647
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46445D1192/00A002 | Flanders | 211 m² | 1 · 116 m² | - |
| 46445D1192/00F002 | Flanders | 131 m² | 1 · 92 m² | 9.2 m · 1 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.
Similar companies · same sector, comparable size
FORCE CLEAN
BE 0782.261.547
Sint-Jans-Molenbeek · Eq €17k
TN Cleaning
BE 0779.678.278
Lille · Eq €17k
FRESHCLEANING
BE 0897.330.469
Sint-Pieters-Woluwe · Eq €17k
ERNET SERVICE
BE 0764.512.230
Liège · Eq €17k
ELLNET MULTISERVICES
BE 0805.147.510
Sint-Joost-ten-Node · Eq €17k
Of 7,264 companies in sector 81210 we hold annual accounts for 2,690. 2,004 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-06-2022
Fiscal year end31-12
Activities, NACEBEL
81210General cleaning of buildings
81230Other cleaning activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.