Active BE 0462.947.346Private limited company

MOTO ZENITH

Chaussée d'Andenne 8 ·4500 Huy, Belgium· 28 yrs active

Sector: Retail sale of motorcycles and motorcycle parts and accessories (47830)

Conclusion Checked

MOTO ZENITH has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €266k and a net result of €28k. Its solvency ranks better than 73% of 873 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).

Based on the State Gazette, CBE and 2 annual accounts.

Key figures

Equity	€266k
Net result	€28k
Better than sector	73%
Active	28 yrs

Financial profile 5 of 5 axes measured · computed by Checked

70 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 76

Profitability 52

Solvency 71

Growth 52

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.6% Low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 1998, 28 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2024 · computed

76 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

€20k

estimate, not credit advice

Score history

76 2023

76 2024

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 1.51 (≥ 1.5) +10

Quick ratio Quick ratio 0.10 (< 0.6) -5

Leverage Debt/equity 1.60 (< 2.0) +3

Profitability ROE 10% (≥ 10%) +10

Interest coverage Interest coverage 5.2× (≥ 3×) +8

Profit trend Net profit down YoY -3

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview26 NBB filings

Annual accounts filed on 25-07-2025 with the NBB · fiscal year 2024 · full schema

Operating resultNet result

Sector comparison

Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	38.5%	17.2%	better than 73% of 873 sector peers
Net result	€28k	€14k	better than 58% of 874 sector peers
Equity	€266k	€99k	better than 70% of 875 sector peers
Gross operating margin	€76k	€213k	better than 27% of 801 sector peers
Staff costs	€10k	€221k	higher than 5% of 721 sector peers

EBITDA

€64k

+3.6% 23-24

Net profit

€28k

-6.9% 23-24

Cash flow

€41k

-8.0% 23-24

Total assets

€690k

+38.0% 23-24

Equity

€266k

+11.6% 23-24

Working capital

€202k

+7.3% 23-24

Staff costs

€10k

-23.5% 23-24

Income taxes

€11k

+122.1% 23-24

Debt

€424k

+61.9% 23-24

Debt ≤ 1y

€401k

+71.9% 23-24

Debt > 1y

€23k

-17.5% 23-24

Current ratio

1.51

-16.8% 23-24

Quick ratio

0.10

+85.9% 23-24

Solvency

38.5%

-19.1% 23-24

Debt / equity

1.60

+45.1% 23-24

ROE

10.4%

-16.6% 23-24

ROA

4.0%

-32.5% 23-24

Interest coverage

5.22

+4.8% 23-24

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2024	2023
Deposit	full schema	full schema
Revenue	-	-
EBITDA	€64k	€62k
Net profit	€28k	€30k
Cash flow	€41k	€45k
Staff costs	€10k	€14k
Income taxes	€11k	€5k
Dividends	-	-
Total assets	€690k	€500k
Equity	€266k	€238k
Debt	€424k	€262k
of which ≤ 1y	€401k	€233k
of which > 1y	€23k	€28k
Working capital	€202k	€189k
Employees (FTE)	-	-

Ratios (computed)

	2024	2023
Current ratio	1.51	1.81
Quick ratio	0.10	0.05
Working capital ratio	29.3%	37.7%
Solvency	38.5%	47.6%
Debt / equity	1.60	1.10
Long-term debt ratio	0.09	0.12
Interest coverage	5.22	4.98
Gross margin	-	-
Net margin	-	-
ROA	4.0%	5.9%
ROE	10.4%	12.5%
EBITDA margin	-	-
Days sales outstanding	-	-
Days payable outstanding	-	-
Inventory turnover	-	-
Days inventory (DSI)	-	-

Balance-sheet composition 2024

Assets

Fixed assets €87k · 12.6% Current assets €603k · 87.4%

Equity & liabilities

Equity €266k · 38.5% Debt €424k · 61.5%

Full annual accounts (26 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024	2023
Balance sheet, Assets
TOTAL ASSETS	20/58	€690k	€500k
Fixed assets	21/28	€87k	€78k
Intangible fixed assets	21	€4k	€2k
Tangible fixed assets	22/27	€82k	€75k
Financial fixed assets	28	€753	€753
Current assets	29/58	€603k	€422k
Stocks & contracts in progress	3	€562k	€409k
Amounts receivable within one year	40/41	€30k	€4k
Cash & bank	54/58	€9k	€8k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€690k	€500k
Equity	10/15	€266k	€238k
Contributions / capital	10/11	€20k	€20k
Reserves	13	€216k	€188k
Accumulated profits (losses)	14	€30k	€30k
Amounts payable	17/49	€424k	€262k
Amounts payable after one year	17	€23k	€28k
Amounts payable within one year	42/48	€401k	€233k
Trade debts payable within one year	44	€255k	€142k
Income statement
Gross operating margin	9900	€76k	€79k
Operating result	9901	€51k	€47k
Financial income	75	€69	€10
Financial charges	65	€12k	€12k
Result before taxes	9903	€39k	€35k
Income taxes	67/77	€11k	€5k
Net result for the period	9904	€28k	€30k
Result to be appropriated	9905	€28k	€30k

Legal Structure

NACE primary	Retail sale of motorcycles and motorcycle parts and accessories(47830)
Legal form	Private limited company(610)
Incorporation	01-04-1998
Status	Active
Postal code	4500

Establishment units 1 location

Chaussée d'Andenne 8, 4500 Huy

Inland freight water transport

since 19982.086.225.817

Real-estate footprint Source: CBE × cadastre

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
61007C0545/00H005	Wallonia	883 m²	1 · 258 m²	9.7 m · 3 fl.

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.

Updates 10 events

All 10Filings 10

2025

25-07