Noord-Zuid
ActiveSummary
Noord-Zuid has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74k and a net result of €6k. Equity is growing by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 87% of 1304 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-8
Solvency100▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.31 against 1.45 in 2024; short-term debt: 24.7% and cash: 54.7% of total assets), and 24.7% 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 · 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
75.3%
Return on assets
6.4%
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
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 15-05-2026, 77 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
77 d early
2024
77 d early
2023
93 d early
2022
87 d early
2021
68 d early
2020
61 d early
2019
50 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
€74k▲ 9.3%
2024 · €67k
2018: €28k
2019: €30k
2020: €48k
2021: €48k
2022: €51k
2023: €55k
2024: €67k
2018 → 2025
Total assets
€98k▲ 4.6%
2024 · €94k
2018: €65k
2019: €55k
2020: €66k
2021: €62k
2022: €65k
2023: €76k
2024: €94k
2018 → 2025
Net result
€6k▼ 48.8%
2024 · €12k
2018: €-658
2019: €2k
2020: €18k
2021: €627
2022: €3k
2023: €4k
2024: €12k
2018 → 2025
Working capital
€32k▲ 169%
2024 · €12k
2018: €-9k
2019: €-634
2020: €19k
2021: €29k
2022: €31k
2023: €40k
2024: €12k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€48k-€51k▲ 5.6%€55k▲ 8.0%€67k▲ 22.3%€74k▲ 9.3%
Operating result€1k-€4k▲ 165%€7k▲ 77.2%€21k▲ 199%€11k▼ 45.3%
Net result€627-€3k▲ 333%€4k▲ 50.9%€12k▲ 201%€6k▼ 48.8%
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 45% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €98k
Fixed assets
€42k ▼ 24.4%
Current assets
€56k ▲ 47.1%
Equity and liabilities €98k
Equity
€74k ▲ 9.3%
Debt
€24k ▼ 7.6%
Debt's share of the balance-sheet total falls from 28.0% to 24.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€26k▼
2024 · €35k
Cash flow
€21k▼
2024 · €27k
Current ratio
2.31▲
2024 · 1.45
Quick ratio
2.29▲
2024 · 1.44
Debt to equity
0.33▼
2024 · 0.39
ROE
8.5%▼
2024 · 18.2%
ROA
6.4%▼
2024 · 13.1%
Interest coverage
17.55▼
2024 · 21.45
Debt ≤ 1 year
€24k▼
2024 · €26k
Income taxes
€4k▼
2024 · €7k
Staff costs
€17k▲
2024 · €16k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€94k€98k▲
Formation expenses20€0-
Fixed assets21/28€56k€42k▼
Tangible fixed assets22/27€56k€42k▼
Land and buildings22€1k€1k▼
Furniture and vehicles24€54k€41k▼
Current assets29/58€38k€56k▲
Stocks and contracts in progress3€345€314▼
Stocks30/36€345€314▼
Amounts receivable within one year40/41€1k€2k▲
Trade receivables40€1k€416▼
Other amounts receivable41-€1k
Cash at bank and in hand54/58€36k€54k▲
Deferred charges and accrued income490/1€34€162▲
Equity and liabilities
Total equity and liabilities10/49€94k€98k▲
Equity10/15€67k€74k▲
Contributions10/11€19k€19k=
Reserves13€49k€55k▲
Distributable reserves133€49k€55k▲
Amounts payable17/49€26k€24k▼
Amounts payable within one year42/48€26k€24k▼
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€6k€6k▼
Taxes450/3€6k€6k▼
Remuneration and social security454/9€304-
Other amounts payable47/48€16k€17k▲
Income statement
Code20242025
Remuneration, social security and pensions62€16k€17k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€53k€44k▼
Operating profit (loss)9901€21k€11k▼
Financial income75/76B€92€204▲
Recurring financial income75€92€204▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€19k€10k▼
Income taxes67/77€7k€4k▼
Profit (loss) for the period9904€12k€6k▼
Profit (loss) for the period to be appropriated9905€12k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€6k▼
Transfer to equity691/2€12k€6k▼
To other reserves6921€12k€6k▼
The notes to these accounts (7 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
15-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €18k ▲650%
Net result €18k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 2.05
Current ratio from 0.97 to 2.05; short-term debt falls from €25k to €19k.
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
10-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-05
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Zonhoven · 1 establishment unit since 2013
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.
Houthalenseweg 1593520 ZonhovenGround area
605 m²
Building footprint
107 m²
Volume, LiDAR
555 m³
Parcel 71066A1009/00H000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Noord-Zuid
since 20132.224.805.856
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71066A1009/00H000 | Flanders | 605 m² | 1 · 106 m² | 7.7 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteZonhoven2.224.805.856
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Of 1,856 companies in sector 55204 we hold annual accounts for 450. 354 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
Founded10-12-2013
Fiscal year end31-12
Activities, NACEBEL 2025
55204Guest rooms (bed and breakfast)
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0475697522