NOVA ZEN
ActiveSummary
NOVA ZEN has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61k and a net result of €63k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 72% of 524 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency88▲+88
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.61; short-term debt: 36.7% and cash: 77.6% of total assets), and 36.7% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 88
Relative position
BE, all sectors
reference
Sector 88
lower
← 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
63.3%
Return on assets
65%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 7 filingsDeviation from the deadline
2025
30 d late
2024
52 d late
2023
45 d late
2021
28 d late
2020
57 d late
2019
28 d late
2016
18 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€61k
2024 · €-2k
2019: €2k
2020: €2k
2021: €-485
2023: €-1k
2024: €-2k
2019 → 2025
Total assets
€97k▲ 3,591%
2024 · €3k
2019: €19k
2020: €10k
2021: €5k
2023: €3k
2024: €3k
2019 → 2025
Net result
€63k
2024 · €-484
2019: €-2k
2020: €418
2021: €-3k
2023: €-104
2024: €-484
2019 → 2025
Working capital
€57k
2024 · €-2k
2019: €-49
2020: €879
2021: €-485
2023: €-1k
2024: €-2k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202320242025Trend
Equity€2k-€-485€-1k▼ 151%€-2k▼ 39.7%€61k
Operating result€511-€-2k€-380€85k
Net result€418-€-3k€-104▲ 95.9%€-484▼ 364%€63k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €85k after a loss of €380 in 2024, the highest result in the available series.
Balance-sheet composition
Assets €97k
Fixed assets
€4k
Current assets
€93k
Equity and liabilities €97k
Equity
€61k
Debt
€36k
Debt finances 36.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€86k
Cash flow
€63k
Current ratio
2.61
Debt to equity
0.58
ROE
102.8%
ROA
65.0%
Interest coverage
129.39
Debt ≤ 1 year
€36k▲
2024 · €4k
Income taxes
€22k
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 · 32 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3k€97k▲
Fixed assets21/28-€4k
Tangible fixed assets22/27-€4k
Furniture and vehicles24-€4k
Current assets29/58€3k€93k▲
Amounts receivable within one year40/41€550€565▲
Other amounts receivable41€550€565▲
Cash at bank and in hand54/58€2k€75k▲
Deferred charges and accrued income490/1-€17k
Equity and liabilities
Total equity and liabilities10/49€3k€97k▲
Equity10/15€-2k€61k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€-8k€55k▲
Amounts payable17/49€4k€36k▲
Amounts payable within one year42/48€4k€36k▲
Trade debts44-€10k
Suppliers440/4-€10k
Taxes, remuneration and social security45-€23k
Taxes450/3-€23k
Other amounts payable47/48€4k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€409
Other operating charges640/8€380€1k▲
Gross operating margin9900-€87k
Operating profit (loss)9901€-380€85k▲
Financial charges65/66B€104€662▲
Recurring financial charges65€104€662▲
Profit (loss) for the period before taxes9903€-484€85k▲
Income taxes67/77-€22k
Profit (loss) for the period9904€-484€63k▲
Profit (loss) for the period to be appropriated9905€-484€63k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€55k▲
Profit (loss) brought forward from the previous period14P€-7k€-8k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Back to profitnet €63k
Net result €63k after 3 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 2.61
Current ratio from 0.61 to 2.61.
24-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 52 days late
2024
16-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 45 days late
2022
28-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
2021
30-06
Financial
Weakest financial yearnet €-3k ▼706%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 57 days late
2020
30-06
Financial
Back to profitnet €418
Net result €418 after one loss-making year.
28-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2017
13-01
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
4 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, Sint-Jans-Molenbeek · 1 establishment unit since 2025
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.
Melkerijstraat 1421080 Sint-Jans-MolenbeekGround area
674 m²
Building footprint
407 m²
Volume, LiDAR
4,760 m³
2 parcels, Brussels, Flanders · tallest building 16.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
NOVA ZEN
since 20252.251.528.168
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23016E0336/00K002 | Flanders | 357 m² | 1 · 91 m² | 7.9 m · 2 fl. |
| 21523B0886/00W002 | Brussels | 317 m² | 1 · 316 m² | 16.3 m · 5 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.
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SEMANU
BE 0828.291.116
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AVANTI DC
BE 0829.722.162
Zottegem · Eq €58k
Of 580 companies in sector 88101 we hold annual accounts for 141. 80 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
Founded10-06-2015
Fiscal year end31-12
Activities, NACEBEL 2025
88101Social work activities without accommodation
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.