Checked.be
Active
BE 0448.908.773Private limited company
ZACCARIA
Ninoofse Steenweg 655 ·1070 Anderlecht, Belgium· 33 yrs active
Conclusion
The computed 12-month bankruptcy probability of ZACCARIA is 1.7% (moderate). The 2024 annual accounts show negative equity (€-101k) and a net result of €59k. Equity is growing by ~20.8% per year across the filed fiscal years. The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 3 annual accounts.
Key figures
| Equity | €-101k |
| Net result | €59k |
| Active | 33 yrs |
| Board | 1 |
Financial profile
40
/ 100
Fragile profile, watch profitability in particular.
All 5 axes are computed from data Checked has read.
Health
16
Profitability
0
Solvency
33
Growth
52
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1992, 33 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 Flags
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
16
/ 100
Critical
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
No credit
negative equity or figures too weak
Score history
8
2022
8
2023
16
2024
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 0.44 (< 1.0)
-10
Quick ratio
Quick ratio 0.44 (< 0.6)
-5
Equity
Negative equity
-25
Profitability
Negatieve ROE -58%
-10
Interest coverage
Interest coverage 5.7× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 07-07-2025 with the NBB · fiscal year 2024 · full schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~20.8%/year over 3 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
€155k
+48.1%
22-24
€59k
+677.9%
22-24
€128k
+67.4%
22-24
€1.15M
-6.8%
22-24
€-101k
+36.9%
22-24
€-162k
+29.3%
22-24
€1.25M
-10.3%
22-24
€287k
-22.2%
22-24
€959k
-6.0%
22-24
0.44
+14.7%
22-24
0.44
+14.7%
22-24
-8.8%
+32.2%
22-24
-12.31
-42.1%
22-24
-58.4%
-1132.1%
22-24
5.2%
+735.0%
22-24
5.67
+54.0%
22-24
Figures by fiscal year and ratios
| Fiscal year | 2024 | 2023 | 2022 |
|---|---|---|---|
| Deposit | full schema | full schema | micro schema |
| Revenue | - | - | - |
| EBITDA | €155k | €105k | €174k |
| Net profit | €59k | €8k | €71k |
| Cash flow | €128k | €76k | €140k |
| Staff costs | - | - | - |
| Income taxes | - | - | - |
| Dividends | - | - | - |
| Total assets | €1.15M | €1.23M | €1.24M |
| Equity | €-101k | €-160k | €-168k |
| Debt | €1.25M | €1.39M | €1.41M |
| of which ≤ 1y | €287k | €369k | €286k |
| of which > 1y | €959k | €1.02M | €1.13M |
| Working capital | €-162k | €-228k | €-199k |
| Employees (FTE) | - | - | - |
Note: these years are not on the same basis. The filed schemas differ (full schema, micro schema), so the columns are not directly comparable.
Ratios (computed)
| 2024 | 2023 | 2022 | |
|---|---|---|---|
| Current ratio | 0.44 | 0.38 | 0.31 |
| Quick ratio | 0.44 | 0.38 | 0.31 |
| Working capital ratio | -14.1% | -18.6% | -16.0% |
| Solvency | -8.8% | -13.0% | -13.5% |
| Debt / equity | -12.31 | -8.67 | -8.41 |
| Long-term debt ratio | -9.48 | -6.36 | -6.71 |
| Interest coverage | 5.67 | 3.68 | 5.14 |
| Gross margin | - | - | - |
| Net margin | - | - | - |
| ROA | 5.2% | 0.6% | 5.7% |
| ROE | -58.4% | -4.7% | -42.6% |
| EBITDA margin | - | - | - |
| Days sales outstanding | - | - | - |
| Days payable outstanding | - | - | - |
| Inventory turnover | - | - | - |
| Days inventory (DSI) | - | - | - |
Balance-sheet composition 2024
Full annual accounts (20 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Balance sheet, Assets | ||||
| TOTAL ASSETS | 20/58 | €1.15M | €1.23M | €1.24M |
| Fixed assets | 21/28 | €1.02M | €1.09M | €1.16M |
| Tangible fixed assets | 22/27 | €1.02M | €1.09M | €1.16M |
| Financial fixed assets | 28 | €59 | €59 | €59 |
| Current assets | 29/58 | €126k | €141k | €87k |
| Cash & bank | 54/58 | €126k | €141k | €87k |
| Balance sheet, Equity & liabilities | ||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.15M | €1.23M | €1.24M |
| Equity | 10/15 | €-101k | €-160k | €-168k |
| Contributions / capital | 10/11 | €19k | €19k | €19k |
| Accumulated profits (losses) | 14 | €-243k | €-302k | €-309k |
| Amounts payable | 17/49 | €1.25M | €1.39M | €1.41M |
| Amounts payable after one year | 17 | €959k | €1.02M | €1.13M |
| Amounts payable within one year | 42/48 | €287k | €369k | €286k |
| Trade debts payable within one year | 44 | €4k | - | - |
| Income statement | ||||
| Gross operating margin | 9900 | €161k | €106k | €175k |
| Operating result | 9901 | €86k | €36k | €105k |
| Financial charges | 65 | €27k | €28k | €34k |
| Result before taxes | 9903 | €59k | €8k | €71k |
| Net result for the period | 9904 | €59k | €8k | €71k |
| Result to be appropriated | 9905 | €59k | €8k | €71k |
Directors & mandates
Current directors & mandates
-
Angelo ZACCARIADirectorState Gazette act 24350711 (01-02-2024)Current01-02-2024 → present
Legal Structure
| NACE primary | - |
| Legal form | Private limited company(610) |
| Incorporation | 03-12-1992 |
| Status | Active |
| Postal code | 1070 |
Establishment units
ZACCARIA SPRL
since 19932.060.475.780
Real-estate footprint
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21302A0013/00Z010 | Brussels | 236 m² | 1 · 122 m² | 18.5 m · 5 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
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
07-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
01-02
State Gazette act
Director changes
v3.2
2023
31-12
Financial
Weakest financial yearnet €8k ▼89.4%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
03-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
19-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
12-05
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
2015
15-06
NBB filing
Annual accounts filed
fiscal year 2014 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Belgisch Staatsblad, acts
All acts · 1
updated 2 years ago
2024
01-02-2024 Angelo ZACCARIA appointed as director
- Angelo ZACCARIA, Bestuurder
Summary:
v3.2
Technical details
{
"events": [
{
"kind": "director_in",
"role": "administrateur",
"person": {
"rrn": null,
"name": "Angelo ZACCARIA",
"address": null,
"birth_date": null
}
}
],
"schema": "v3.2",
"act_meta": {
"extractor": "qwen3-30b-a3b"
},
"subject_company": {
"kbo": "0448.908.773",
"name_full": "ZACCARIA"
}
}Credit advice
Company registry (CBE)
Names & trade names
| Legal nameFR | ZACCARIA |