Z.J.F
ActiveThe computed 12-month bankruptcy probability of Z.J.F is 1.8% (moderate). The 2024 annual accounts show equity of €73k and a net result of €21k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 91% of 18942 sector peers (fiscal year 2024). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability98▲+30
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 4.27 against 8.22 in 2023; short-term debt: 18.8% and cash: 32.3% of total assets), and 18.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-06-2025, 41 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
41 d early
2023
46 d early
2022
67 d early
2021
1 d early
2020
30 d late
2019
61 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€73k▲ 1.3%
2023 · €72k
2018: €39k
2019: €32k
2020: €52k
2021: €63k
2022: €72k
2023: €72k
2018 → 2024
Total assets
€90k▲ 13.2%
2023 · €79k
2018: €59k
2019: €53k
2020: €62k
2021: €71k
2022: €85k
2023: €79k
2018 → 2024
Net result
€21k▲ 20,698%
2023 · €101
2018: €833
2019: €-7k
2020: €20k
2021: €11k
2022: €8k
2023: €101
2018 → 2024
Working capital
€55k▲ 4.7%
2023 · €53k
2018: €37k
2019: €31k
2020: €52k
2021: €62k
2022: €64k
2023: €53k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€52k-€63k▲ 22.1%€72k▲ 13.0%€72k▲ 0.1%€73k▲ 1.3%
Operating result€27k-€12k▼ 54.3%€12k▼ 2.3%€4k▼ 70.8%€32k▲ 800%
Net result€20k-€11k▼ 42.3%€8k▼ 28.2%€101▼ 98.8%€21k▲ 20,698%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 800% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €90k
Fixed assets
€18k▼ 8.0%
Current assets
€72k▲ 20.1%
Equity and liabilities €90k
Equity
€73k▲ 1.3%
Debt
€17k▲ 131%
The debt ratio rises from 9.2% to 18.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€36k▲
2023 · €6k
Cash flow
€25k▲
2023 · €2k
Solvency
81.2%▼
2023 · 90.8%
Current ratio
4.27▼
2023 · 8.22
Quick ratio
3.72▼
2023 · 7.38
Debt / equity
0.23▲
2023 · 0.10
ROE
28.8%▲
2023 · 0.1%
ROA
23.4%▲
2023 · 0.1%
Interest coverage
16.02▲
2023 · 5.89
Debt
€17k▲
2023 · €7k
Debt ≤ 1 year
€17k▲
2023 · €7k
Income taxes
€9k▲
2023 · €2k
Staff costs
€17k▼
2023 · €24k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€79k€90k▲
Fixed assets21/28€19k€18k▼
Tangible fixed assets22/27€19k€17k▼
Land and buildings22€7k€6k▼
Furniture and vehicles24€12k€11k▼
Financial fixed assets28€420€420=
Current assets29/58€60k€72k▲
Stocks and contracts in progress3€6k€9k▲
Stocks30/36€6k€9k▲
Amounts receivable within one year40/41€8k€34k▲
Trade receivables40-€2k
Other amounts receivable41€8k€32k▲
Cash at bank and in hand54/58€46k€29k▼
Equity and liabilities
Total equity and liabilities10/49€79k€90k▲
Equity10/15€72k€73k▲
Contributions10/11€6k€6k=
Reserves13€12k€12k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€10k€10k=
Profit (loss) carried forward14€54k€55k▲
Amounts payable17/49€7k€17k▲
Amounts payable within one year42/48€7k€17k▲
Trade debts44€3k€237▼
Suppliers440/4€3k€237▼
Taxes, remuneration and social security45€4k€17k▲
Taxes450/3€500€14k▲
Remuneration and social security454/9€4k€3k▼
Income statement
Code20232024
Remuneration, social security and pensions62€24k€17k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€7k€9k▲
Gross operating margin9900€37k€61k▲
Operating profit (loss)9901€4k€32k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€3k€30k▲
Income taxes67/77€2k€9k▲
Profit (loss) for the period9904€101€21k▲
Profit (loss) for the period to be appropriated9905€101€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€54k€75k▲
Profit (loss) brought forward from the previous period14P€54k€54k▲
Profit to be distributed694/7-€20k
Directors or managers695-€20k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €21k ▲20698%
Operating result €32k, net result €21k, both a record.
15-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 6.38
Current ratio from 2.53 to 6.38; short-term debt falls from €21k to €10k.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
31-12
Financial
Weakest financial yearnet €-7k ▼921%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Tubize · 1 establishment unit since 2014
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.
Rue de Mons 361480 TubizeGround area
675 m²
Building footprint
50 m²
Volume, LiDAR
562 m³
Parcel 25105B0219/00R000, Wallonia · tallest building 13.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Mons 36, 1480 Tubize
since 20142.227.934.206
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25105B0219/00R000 | Wallonia | 675 m² | 1 · 50 m² | 13.0 m · 4 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 siteTubize2.227.934.206
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Of 20,499 companies in sector 56111 we hold annual accounts for 11,455. 9,813 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-02-2014
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.