ZACK BATI & GARDENS
ActiveThe computed 12-month bankruptcy probability of ZACK BATI & GARDENS is 3.8% (moderate). The 2025 annual accounts show equity of €23k and a net result of €1k. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 25% of 27619 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
41
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▼-21
Solvency49▲+5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.1 against 1.04 in 2024; short-term debt: 62.4% and cash: 5.4% of total assets), and 76.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
23.7%
Return on assets
1.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 27619 sector peers (2025).
NBB · sector comparisonPosition among 27619 sector peers
Solvency
better than 25%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-09-2026, 39 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
39 d late
2024
28 d early
2023
12 d early
2022
27 d early
2021
25 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▲ 4.8%
2024 · €22k
2021: €16k
2022: €17k
2023: €19k
2024: €22k
2021 → 2025
Total assets
€98k▼ 15.7%
2024 · €116k
2021: €81k
2022: €64k
2023: €96k
2024: €116k
2021 → 2025
Net result
€1k▼ 87.7%
2024 · €9k
2021: €6k
2022: €710
2023: €3k
2024: €9k
2021 → 2025
Working capital
€6k▲ 138%
2024 · €3k
2021: €2k
2022: €-3k
2023: €-5k
2024: €3k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€17k▲ 4.5%€19k▲ 16.7%€22k▲ 14.1%€23k▲ 4.8%
Operating result€7k-€1k▼ 84.2%€5k▲ 349%€15k▲ 189%€5k▼ 66.3%
Net result€6k-€710▼ 87.9%€3k▲ 291%€9k▲ 211%€1k▼ 87.7%
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 66% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €98k
Fixed assets
€31k▼ 25.6%
Current assets
€67k▼ 10.2%
Equity and liabilities €98k
Equity
€23k▲ 4.8%
Debt
€75k▼ 20.5%
The debt ratio falls from 81.0% to 76.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€16k▼
2024 · €28k
Cash flow
€12k▼
2024 · €21k
Solvency
23.7%▲
2024 · 19.0%
Current ratio
1.10▲
2024 · 1.04
Quick ratio
0.95▼
2024 · 1.01
Debt / equity
3.23▼
2024 · 4.26
ROE
4.6%▼
2024 · 39.0%
ROA
1.1%▼
2024 · 7.4%
Interest coverage
4.43▼
2024 · 6.39
Debt
€75k▼
2024 · €94k
Debt ≤ 1 year
€61k▼
2024 · €72k
Debt > 1 year
€14k▼
2024 · €22k
Income taxes
€538▼
2024 · €2k
Staff costs
€39k▲
2024 · €37k
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€116k€98k▼
Fixed assets21/28€41k€31k▼
Intangible fixed assets21€12k€10k▼
Tangible fixed assets22/27€29k€21k▼
Furniture and vehicles24€29k€21k▼
Current assets29/58€75k€67k▼
Stocks and contracts in progress3€2k€9k▲
Stocks30/36€2k€9k▲
Amounts receivable within one year40/41€65k€40k▼
Trade receivables40€65k€40k▼
Cash at bank and in hand54/58€6k€5k▼
Deferred charges and accrued income490/1€2k€13k▲
Equity and liabilities
Total equity and liabilities10/49€116k€98k▼
Equity10/15€22k€23k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€12k€13k▲
Amounts payable17/49€94k€75k▼
Amounts payable after more than one year17€22k€14k▼
Financial debts170/4€22k€14k▼
Amounts payable within one year42/48€72k€61k▼
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€22k€16k▼
Suppliers440/4€22k€16k▼
Advances received on contracts in progress46€11k-
Taxes, remuneration and social security45€26k€32k▲
Taxes450/3€6k€6k▲
Remuneration and social security454/9€20k€25k▲
Other amounts payable47/48€6k€6k▼
Income statement
Code20242025
Remuneration, social security and pensions62€37k€39k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€11k▼
Other operating charges640/8€922€651▼
Gross operating margin9900€66k€55k▼
Operating profit (loss)9901€15k€5k▼
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€11k€2k▼
Income taxes67/77€2k€538▼
Profit (loss) for the period9904€9k€1k▼
Profit (loss) for the period to be appropriated9905€9k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€13k▼
Profit (loss) brought forward from the previous period14P€9k€12k▲
Profit to be distributed694/7€6k-
Return on contributions (dividend)694€6k-
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
Next filing, fiscal year 2026, expected by
2026
08-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 39 days late
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €9k ▲211%
Operating result €15k, net result €9k, both a record.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €710 ▼87.9%
Net result drops to €710, the lowest in the series; recovery starts the following year.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Brussel · 1 establishment unit since 2020
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.
Grevelingenstraat 431000 BrusselGround area
155 m²
Building footprint
156 m²
Volume, LiDAR
1,401 m³
Parcel 21806F0100/00A003, Brussels · tallest building 18.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ZACK BATI & GARDENS
since 20202.307.029.390
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21806F0100/00A003 | Brussels | 155 m² | 1 · 156 m² | 18.6 m · 3 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.
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Of 8,454 companies in sector 43120 we hold annual accounts for 3,232. 2,062 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-07-2020
Fiscal year end31-12
Activities, NACEBEL
43120Site preparation
81300Landscape service activities
43230Insulation installation
43291Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.