AZERI T.M
ActiveSummary
The computed 12-month bankruptcy probability of AZERI T.M is 1.6% (moderate). The 2025 annual accounts show equity of €70k and a net result of €52k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 41% of 18280 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+10
Solvency49▲+18
Growth56▲+13
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 1.04 in 2024; short-term debt: 76.2% and cash: 4.5% of total assets), and 76.4% 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.
−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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
23.6%
Return on assets
17.5%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-09-2026, 33 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 · 10 filingsDeviation from the deadline
2025
33 d late
2024
3 d early
2023
26 d late
2022
28 d late
2021
30 d late
2020
26 d late
2019
20 d late
← 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
Turnover
€730k▼ 6.2%
2023 · €778k
2018: €1.05M
2019: €870k
2020: €647k
2021: €785k
2022: €790k
2023: €778k
2018 → 2024
EBIT margin
5.3%▲ 4.4pp
2023 · 0.9%
2018: 1.0%
2019: 0.3%
2020: -7.6%
2021: -5.9%
2022: 5.1%
2023: 0.9%
2018 → 2024
Net result
€52k▲ 33.8%
2024 · €39k
2018: €7k
2019: €2k
2020: €-50k
2021: €-47k
2022: €40k
2023: €6k
2024: €39k
2018 → 2025
Working capital
€63k▲ 461%
2024 · €11k
2018: €23k
2019: €23k
2020: €-27k
2021: €-73k
2022: €-34k
2023: €-28k
2024: €11k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€785k-€790k▲ 0.6%€778k▼ 1.5%€730k▼ 6.2%
Equity€-67k-€-27k▲ 59.8%€-20k▲ 24.1%€19k€70k▲ 277%
Operating result€-47k-€40k€7k▼ 83.1%€39k▲ 469%€52k▲ 36.3%
Net result€-47k-€40k€6k▼ 83.8%€39k▲ 503%€52k▲ 33.8%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 36% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €297k
Equity
€70k ▲ 277%
Debt
€227k ▼ 16.1%
Debt's share of the balance-sheet total falls from 93.6% to 76.4%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
1.28▲
2024 · 1.04
Quick ratio
0.07▲
2024 · 0.06
Debt to equity
3.24▼
2024 · 14.54
ROE
74.4%▼
2024 · 209.4%
ROA
17.5%▲
2024 · 13.5%
Debt ≤ 1 year
€226k▼
2024 · €270k
Staff costs
€45k▼
2024 · €60k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€289k€297k▲
Formation expenses20-€7k
Fixed assets21/28€7k-
Financial fixed assets28€7k-
Current assets29/58€282k€289k▲
Stocks and contracts in progress3€264k€273k▲
Stocks30/36€264k€273k▲
Amounts receivable within one year40/41-€3k
Other amounts receivable41-€3k
Cash at bank and in hand54/58€17k€13k▼
Equity and liabilities
Total equity and liabilities10/49€289k€297k▲
Equity10/15€19k€70k▲
Contributions10/11€12k€12k=
Outside capital11€12k-
Other1109/19€12k-
Reserves13€1k€6k▲
Non-distributable reserves130/1€1k€6k▲
Reserves not available under the articles1311€1k€1k=
Other1319-€4k
Profit (loss) carried forward14€5k€52k▲
Amounts payable17/49€270k€227k▼
Amounts payable within one year42/48€270k€226k▼
Trade debts44€175k€114k▼
Suppliers440/4€175k€114k▼
Taxes, remuneration and social security45€65k€50k▼
Taxes450/3€25k€5k▼
Remuneration and social security454/9€40k€45k▲
Other amounts payable47/48€30k€63k▲
Accrued charges and deferred income492/3-€647
Income statement
Code20242025
Turnover70€730k-
Goods, raw materials, services and sundry goods60/61€629k-
Remuneration, social security and pensions62€60k€45k▼
Other operating charges640/8€3k€14k▲
Gross operating margin9900€101k€112k▲
Operating profit (loss)9901€39k€52k▲
Financial income75/76B€647-
Recurring financial income75€647-
Financial charges65/66B€238€409▲
Recurring financial charges65€238€409▲
Profit (loss) for the period before taxes9903€39k€52k▲
Profit (loss) for the period9904€39k€52k▲
Profit (loss) for the period to be appropriated9905€39k€52k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€52k▲
Profit (loss) brought forward from the previous period14P€-34k-
The notes to these accounts (1 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
02-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 33 days late
2025
31-12
Financial
Highest result since 2018net €52k ▲33.8%
Operating result €52k, net result €52k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Back to profitnet €40k
Net result €40k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Weakest financial yearnet €-50k ▼3045%
Net result drops to €-50k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 20 days late
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 23 days late
2017
12-07
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.
Directors · office · real estate
Directors
10 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, Schaarbeek · 2 establishment units since 2014
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.
Liedtsplein 391030 SchaarbeekGround area
248 m²
Building footprint
223 m²
Volume, LiDAR
2,486 m³
2 parcels, Brussels · tallest building 18.7 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Librairie Liedts Express
since 20142.231.062.950
MOON NIGHT SHOP
since 20152.245.251.971
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21492B0159/04C003 | Brussels | 137 m² | 1 · 110 m² | 17.9 m · 5 fl. |
| 21909E0214/00K006 | Brussels | 111 m² | 1 · 113 m² | 18.7 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesKoekelberg2.245.251.971
Schaarbeek2.231.062.950
Similar companies · same sector, comparable size
RETSILVER OOSTROZEBEKE
BE 0792.301.047
Oostrozebeke · Eq €70,035
Steensand
BE 0763.487.196
Schoten · Eq €70,057
GPFC
BE 0545.849.385
Sint-Pieters-Woluwe · Eq €69,937
MASUDI
BE 0880.571.641
Sint-Jans-Molenbeek · Eq €70,067
D.A.F.E
BE 0724.893.371
Elsene · Eq €70,095
Of 10,519 companies in sector 47110 we hold annual accounts for 5,857. 4,670 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
Founded17-07-2013
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47210Retail sale of fruit and vegetables
47221Retail sale of meat and meat products, excluding game and poultry
47222Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.