Z-STORE
ActiveZ-STORE has been active since 1974 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €196k and a net result of €11k. Equity is growing by ~12.3% per year across the filed fiscal years. Its solvency ranks better than 58% of 198 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
79
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability29▼-10
Solvency95▲+3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 2.46 against 2.38 in 2024), but 50.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 13
Relative position
BE, all sectors
reference
Sector 13
lower
← 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
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
49.4%
Return on assets
2.9%
Age of the figures
8 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 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
53 d late
2023
60 d late
2022
32 d late
2021
3 d late
2020
61 d early
2019
27 d early
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€196k▲ 6.2%
2024 · €184k
2018: €87k
2019: €79k
2020: €85k
2021: €130k
2022: €151k
2023: €170k
2024: €184k
2018 → 2025
Total assets
€396k▲ 0.6%
2024 · €393k
2018: €123k
2019: €410k
2020: €405k
2021: €443k
2022: €409k
2023: €393k
2024: €393k
2018 → 2025
Net result
€11k▼ 20.6%
2024 · €14k
2018: €3k
2019: €-8k
2020: €6k
2021: €45k
2022: €20k
2023: €19k
2024: €14k
2018 → 2025
Working capital
€102k▲ 16.2%
2024 · €87k
2018: €75k
2019: €14k
2020: €16k
2021: €64k
2022: €67k
2023: €89k
2024: €87k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€130k-€151k▲ 15.7%€170k▲ 12.6%€184k▲ 8.5%€196k▲ 6.2%
Operating result€68k-€47k▼ 30.4%€28k▼ 40.0%€22k▼ 22.1%€17k▼ 21.3%
Net result€45k-€20k▼ 54.9%€19k▼ 6.9%€14k▼ 24.3%€11k▼ 20.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 21% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €396k
Fixed assets
€225k▼ 7.3%
Current assets
€171k▲ 13.3%
Equity and liabilities €396k
Equity
€196k▲ 6.2%
Debt
€200k▼ 4.3%
The debt ratio falls from 53.2% to 50.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€38k▼
2024 · €42k
Cash flow
€32k▼
2024 · €34k
Solvency
49.4%▲
2024 · 46.8%
Current ratio
2.46▲
2024 · 2.38
Quick ratio
2.04▲
2024 · 1.92
Debt / equity
1.02▼
2024 · 1.13
ROE
5.8%▼
2024 · 7.8%
ROA
2.9%▼
2024 · 3.7%
Interest coverage
11.19▼
2024 · 11.44
Debt
€200k▼
2024 · €209k
Debt ≤ 1 year
€69k▲
2024 · €63k
Debt > 1 year
€131k▼
2024 · €146k
Income taxes
€5k▼
2024 · €6k
Staff costs
€100k▲
2024 · €99k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€393k€396k▲
Fixed assets21/28€243k€225k▼
Tangible fixed assets22/27€243k€225k▼
Land and buildings22€225k€210k▼
Plant, machinery and equipment23€8k€6k▼
Furniture and vehicles24€10k€8k▼
Financial fixed assets28€50€50=
Current assets29/58€151k€171k▲
Stocks and contracts in progress3€29k€30k▲
Stocks30/36€29k€30k▲
Amounts receivable within one year40/41€63k€31k▼
Trade receivables40€57k€24k▼
Other amounts receivable41€7k€7k▲
Cash at bank and in hand54/58€58k€108k▲
Deferred charges and accrued income490/1€858€1k▲
Equity and liabilities
Total equity and liabilities10/49€393k€396k▲
Equity10/15€184k€196k▲
Contributions10/11€20k€20k=
Reserves13€164k€176k▲
Tax-exempt reserves132€3k€3k=
Distributable reserves133€162k€173k▲
Amounts payable17/49€209k€200k▼
Amounts payable after more than one year17€146k€131k▼
Financial debts170/4€146k€131k▼
Amounts payable within one year42/48€63k€69k▲
Current portion of amounts payable after more than one year42€15k€15k▲
Trade debts44€28k€37k▲
Suppliers440/4€28k€37k▲
Taxes, remuneration and social security45€20k€16k▼
Taxes450/3€9k€7k▼
Remuneration and social security454/9€11k€10k▼
Other amounts payable47/48€893€816▼
Income statement
Code20242025
Remuneration, social security and pensions62€99k€100k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€20k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€144k€140k▼
Operating profit (loss)9901€22k€17k▼
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€21k€16k▼
Income taxes67/77€6k€5k▼
Profit (loss) for the period9904€14k€11k▼
Profit (loss) for the period to be appropriated9905€14k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€11k▼
Transfer to equity691/2€14k€11k▼
To other reserves6921€14k€11k▼
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
22-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 53 days late
2024
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 60 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Equity above €150kEq €151k ▲15.7%
3 profitable years in a row build equity to €151k.
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 3 days late
2021
31-12
Financial
Highest result since 2018net €45k ▲617%
Operating result €68k, net result €45k, both a record.
31-12
Financial
Equity above €100kEq €130k ▲53.3%
2 profitable years in a row build equity to €130k.
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
04-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €-8k ▼339%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
08-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 8 days late
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 4 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, Kontich · 1 establishment unit since 1974
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.
Mechelsesteenweg 562550 KontichGround area
941 m²
Building footprint
393 m²
Volume, LiDAR
1,935 m³
Parcel 11024F0093/00R000, Flanders · tallest building 10.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
DE LENTE
since 19742.010.355.088
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024F0093/00R000 | Flanders | 941 m² | 1 · 393 m² | 10.9 m · 1 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 1,651 EUR awarded · 1,651 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,651 EUR | 1,651 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Recognitions · licences · registrations
Dual-learning approval
3 live approvals · 5 endedMedewerker productielijn kleding, confectie en meubelstoffering duaal (so)
Moderealisatie duaal (so)
Ontwikkelaar patronen kleding- en confectieartikelen duaal (so)
Similar companies · same sector, comparable size
MERODE INTERIEUR
BE 0808.745.220
Lanaken · Eq €198k
LORATEX
BE 0418.957.153
Oudenaarde · Eq €193k
INDU - TEX
BE 0418.440.281
Kelmis · Eq €204k
Gordijnatelier Kris
BE 0456.862.872
Kortenaken · Eq €185k
TECHNIQUE VOILE
BE 0460.820.670
Herstal · Eq €178k
Of 595 companies in sector 13929 we hold annual accounts for 234. 176 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-03-1974
Fiscal year end31-12
Activities, NACEBEL
13929Manufacture of textiles
17402
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.