LZ AANNEMINGEN
ActiveThe computed 12-month bankruptcy probability of LZ AANNEMINGEN is 2.2% (moderate). The 2025 annual accounts show equity of €15k and a net result of €5k. Equity is growing by ~26.7% per year across the filed fiscal years. Its solvency ranks better than 20% of 4329 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+7
Solvency17▼-15
Growth52=
Stability100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.93 against 0.97 in 2024), and 89.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 2025Solvency, return and age of the figures
Solvency
10.8%
Return on assets
3.6%
Age of the figures
17 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 4329 sector peers (2025).
NBB · sector comparisonPosition among 4329 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 27-11-2025, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
27 d late
2024
on the day
2023
2 d early
2022
on the day
2021
11 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close08-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▲ 50.6%
2024 · €10k
2021: €3k
2022: €10k
2023: €8k
2024: €10k
2021 → 2025
Total assets
€138k▲ 223%
2024 · €43k
2021: €47k
2022: €51k
2023: €31k
2024: €43k
2021 → 2025
Net result
€5k▲ 172%
2024 · €2k
2021: €31k
2022: €7k
2023: €-2k
2024: €2k
2021 → 2025
Working capital
€-5k▼ 411%
2024 · €-981
2021: €-4k
2022: €-2k
2023: €-1k
2024: €-981
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3k-€10k▲ 288%€8k▼ 17.7%€10k▲ 22.9%€15k▲ 50.6%
Operating result€40k-€10k▼ 73.8%€-1k€3k€12k▲ 248%
Net result€31k-€7k▼ 76.5%€-2k€2k€5k▲ 172%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 248% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €138k
Fixed assets
€71k▲ 552%
Current assets
€67k▲ 110%
Equity and liabilities €138k
Equity
€15k▲ 50.6%
Debt
€123k▲ 276%
The debt ratio rises from 76.8% to 89.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€30k▲
2024 · €10k
Cash flow
€23k▲
2024 · €8k
Solvency
10.8%▼
2024 · 23.2%
Current ratio
0.93▼
2024 · 0.97
Quick ratio
0.83▼
2024 · 0.91
Debt / equity
8.23▲
2024 · 3.30
ROE
33.6%▲
2024 · 18.6%
ROA
3.6%▼
2024 · 4.3%
Interest coverage
5.80▼
2024 · 10.95
Debt
€123k▲
2024 · €33k
Debt ≤ 1 year
€72k▲
2024 · €33k
Debt > 1 year
€51k
Income taxes
€1k▲
2024 · €591
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€43k€138k▲
Fixed assets21/28€11k€71k▲
Tangible fixed assets22/27€11k€69k▲
Plant, machinery and equipment23€6k€6k▼
Furniture and vehicles24€5k€63k▲
Financial fixed assets28-€2k
Current assets29/58€32k€67k▲
Stocks and contracts in progress3€2k€7k▲
Stocks30/36€2k€7k▲
Amounts receivable within one year40/41€22k€42k▲
Trade receivables40€16k€36k▲
Other amounts receivable41€5k€6k▲
Cash at bank and in hand54/58€4k€17k▲
Deferred charges and accrued income490/1€4k€134▼
Equity and liabilities
Total equity and liabilities10/49€43k€138k▲
Equity10/15€10k€15k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€7k€12k▲
Amounts payable17/49€33k€123k▲
Amounts payable after more than one year17-€51k
Financial debts170/4-€51k
Amounts payable within one year42/48€33k€72k▲
Current portion of amounts payable after more than one year42€8k€13k▲
Trade debts44€18k€47k▲
Suppliers440/4€18k€47k▲
Taxes, remuneration and social security45€591€4k▲
Taxes450/3€591€4k▲
Other amounts payable47/48€6k€8k▲
Income statement
Code20242025
Non-recurring operating income76A-€6k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€18k▲
Other operating charges640/8€862€1k▲
Gross operating margin9900€10k€31k▲
Operating profit (loss)9901€3k€12k▲
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€879€5k▲
Recurring financial charges65€879€5k▲
Profit (loss) for the period before taxes9903€2k€6k▲
Income taxes67/77€591€1k▲
Profit (loss) for the period9904€2k€5k▲
Profit (loss) for the period to be appropriated9905€2k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€12k▲
Profit (loss) brought forward from the previous period14P€6k€7k▲
The notes to these accounts (11 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
2025
27-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
2023
29-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Weakest financial yearnet €-2k ▼124%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
20-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Stekene · 1 establishment unit since 2019
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.
Kemelstraat(STE) 589190 StekeneGround area
4,799 m²
Building footprint
215 m²
Parcel 46322D0432/00Y000, Flanders. Linked by address, not a title deed.
1 establishment unit
Zwembadmeesters
since 20192.296.517.758
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46322D0432/00Y000 | Flanders | 4,799 m² | 1 · 215 m² | - |
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.
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Of 21,144 companies in sector 81300 we hold annual accounts for 4,340. 2,862 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-11-2019
Fiscal year end31-03
Activities, NACEBEL
81300Landscape service activities
43990Other specialised construction activities
43999Specialised construction activities
71113Urban planning and landscape architecture
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.