The Generalized Associativity Equation is given by $$ F(G(x,y),z)=K(x,H(y,z)),$$ where the functions $F,G,H$ and $K$ are all from $\mathbb{R}^2$ to $\mathbb{R}$. In his book "Lectures on Functional Equations and their applications" (page 329), Aczel proves that, under some differentiability assumptions, the terms in the equation can also be written as $$f(a(x)+b(y)+c(z)).$$
Question: Is there a counterexample for this statement if we do not assume any form of differentiability? To be precise, are there functions $F,G,H,K$, satisfying the generalized associativity equation, for which there are no $f,a,b,c$ such that $f(a(x)+b(y)+c(z))$ equals the terms in the equation?