SZA
ActiveSummary
SZA has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €223k and a net result of €17k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 76% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity short (current ratio 0.68 against 1.29 in 2024; short-term debt: 21.7% and cash: 7.6% of total assets), and 21.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
78.3%
Return on assets
5.8%
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 30-07-2026, 1 day ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
1 d early
2024
21 d early
2023
1 d early
2022
75 d early
2021
2 d early
2020
24 d early
2019
14 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€223k▼ 13.0%
2024 · €257k
2018: €35k
2019: €128k
2020: €46k
2021: €64k
2022: €19k
2023: €287k
2024: €257k
2018 → 2025
Total assets
€285k▼ 11.3%
2024 · €321k
2018: €71k
2019: €197k
2020: €191k
2021: €79k
2022: €95k
2023: €353k
2024: €321k
2018 → 2025
Net result
€17k▼ 15.9%
2024 · €20k
2018: €11k
2019: €103k
2020: €18k
2021: €18k
2022: €62k
2023: €318k
2024: €20k
2018 → 2025
Working capital
€-20k
2024 · €18k
2018: €2k
2019: €97k
2020: €17k
2021: €35k
2022: €-6k
2023: €7k
2024: €18k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€19k▼ 70.7%€287k▲ 1,442%€257k▼ 10.5%€223k▼ 13.0%
Operating result€21k-€29k▲ 37.4%€26k▼ 13.0%€27k▲ 3.6%€23k▼ 13.5%
Net result€18k-€62k▲ 250%€318k▲ 414%€20k▼ 93.8%€17k▼ 15.9%
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 2025; 2025 is 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €285k
Fixed assets
€243k ▲ 2.1%
Current assets
€42k ▼ 49.5%
Equity and liabilities €285k
Equity
€223k ▼ 13.0%
Debt
€62k ▼ 4.4%
Debt's share of the balance-sheet total rises from 20.1% to 21.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€30k▼
2024 · €32k
Cash flow
€24k▼
2024 · €25k
Current ratio
0.68▼
2024 · 1.29
Debt to equity
0.28▲
2024 · 0.25
ROE
7.5%▼
2024 · 7.7%
ROA
5.8%▼
2024 · 6.2%
Interest coverage
55.72▲
2024 · 40.36
Debt ≤ 1 year
€62k▼
2024 · €65k
Income taxes
€6k▼
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€321k€285k▼
Fixed assets21/28€238k€243k▲
Intangible fixed assets21€10k€5k▼
Tangible fixed assets22/27€5k€16k▲
Furniture and vehicles24€3k€13k▲
Other tangible fixed assets26€3k€3k=
Financial fixed assets28€222k€222k▼
Current assets29/58€83k€42k▼
Amounts receivable within one year40/41€23k€19k▼
Trade receivables40€20k€18k▼
Other amounts receivable41€3k€695▼
Cash at bank and in hand54/58€58k€22k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€321k€285k▼
Equity10/15€257k€223k▼
Contributions10/11€19k€19k=
Reserves13€238k€204k▼
Distributable reserves133€238k€204k▼
Profit (loss) carried forward14€29€698▲
Amounts payable17/49€65k€62k▼
Amounts payable within one year42/48€65k€62k▼
Financial debts43€649€0▼
Credit institutions430/8€649€0▼
Trade debts44€7k€4k▼
Suppliers440/4€7k€4k▼
Taxes, remuneration and social security45€7k€8k▲
Taxes450/3€5k€6k▲
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€50k€50k=
Accrued charges and deferred income492/3-€129
Income statement
Code20242025
Non-recurring operating income76A€0€0▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€7k▲
Other operating charges640/8€676€897▲
Gross operating margin9900€32k€31k▼
Operating profit (loss)9901€27k€23k▼
Financial income75/76B€244€283▲
Recurring financial income75€244€283▲
Financial charges65/66B€785€535▼
Recurring financial charges65€785€535▼
Profit (loss) for the period before taxes9903€26k€23k▼
Income taxes67/77€6k€6k▼
Profit (loss) for the period9904€20k€17k▼
Profit (loss) for the period to be appropriated9905€20k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€17k▼
Profit (loss) brought forward from the previous period14P€206€29▼
Transfer from equity791/2€50k€34k▼
Transfer to equity691/2€20k€0▼
To other reserves6921€20k€0▼
Profit to be distributed694/7€50k€50k=
Return on contributions (dividend)694€50k€50k=
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €318k ▲414%
Net result €318k, the highest in the series.
31-12
Financial
Equity above €200kEq €287k ▲1442%
6 profitable years in a row build equity to €287k.
17-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 3.23
Current ratio from 1.12 to 3.23; short-term debt falls from €143k to €16k.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 2.52
Current ratio from 1.08 to 2.52.
31-12
Financial
Equity above €100kEq €128k ▲267%
2 profitable years in a row build equity to €128k.
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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 2017
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.
Nekkersgatlaan 71180 UkkelGround area
206 m²
Building footprint
50 m²
Volume, LiDAR
381 m³
Parcel 21616G0215/00A002, Brussels · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SEBASTIEN ZIGRAND ARCHITECTE
since 20172.265.485.874
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21616G0215/00A002 | Brussels | 206 m² | 1 · 49 m² | 9.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
WEST 8 BRUSSEL URBAN DESIGN & LANDSCAPE ARCHITECTURE
BE 0861.625.165
Opwijk · Eq €223,305
ARCHITECTENBUREAU M.MOORS
BE 0861.160.852
Leuven · Eq €223,279
Humberto Nobrega Architect
BE 0648.934.255
Kortrijk · Eq €223,422
IR-ARCHITECT JAN MARIEN
BE 0898.063.315
Mechelen · Eq €223,425
Architectenbureau aabbeele
BE 0817.928.249
Buggenhout · Eq €223,455
Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 5,023 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-2017
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.