ZAKHI
ActiveZAKHI has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-11) and a net result of €-19k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 22% of 17366 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
17
/ 100
Critical▼ -38 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency43▲+18
Growth52=
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.92 against 1.13 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
0%
Return on assets
-22.4%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year -€11
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
53 d late
2023
5 d early
2022
19 d early
2021
24 d early
2020
18 d early
2019
11 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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-11
2024 · €19k
2021: €-4k
2022: €-5k
2023: €10k
2024: €19k
2021 → 2025
Total assets
€85k▼ 27.8%
2024 · €118k
2021: €93k
2022: €99k
2023: €123k
2024: €118k
2021 → 2025
Net result
€-19k
2024 · €9k
2021: €45k
2022: €-2k
2023: €15k
2024: €9k
2021 → 2025
Working capital
€-6k
2024 · €13k
2021: €-10k
2022: €-12k
2023: €3k
2024: €13k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-4k-€-5k▼ 49.3%€10k€19k▲ 99.6%€-11
Operating result€47k-€2k▼ 95.6%€18k▲ 774%€17k▼ 8.4%€-14k
Net result€45k-€-2k€15k€9k▼ 36.2%€-19k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €14k after €17k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €85k
Fixed assets
€6k=
Current assets
€78k▼ 29.5%
Key figures and ratios
Solvency
0.0%▼
2024 · 16.2%
Current ratio
0.92▼
2024 · 1.13
Quick ratio
0.28▼
2024 · 0.70
Debt / equity
-7918.61▼
2024 · 5.18
ROE
177585.5%▲
2024 · 49.9%
ROA
-22.4%▼
2024 · 8.1%
Debt
€85k▼
2024 · €99k
Debt ≤ 1 year
€85k▼
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
Total assets
20/58€118k€85k▼
Fixed assets
21/28€6k€6k=
Financial fixed assets
28€6k€6k=
Current assets
29/58€111k€78k▼
Stocks & contracts in progress
3€43k€54k▲
Amounts receivable within one year
40/41€10k€689▼
Cash & bank
54/58€58k€23k▼
Total equity & liabilities
10/49€118k€85k▼
Equity
10/15€19k€-11▼
Contributions / capital
10/11€19k€19k=
Accumulated profits (losses)
14€426€-19k▼
Amounts payable
17/49€99k€85k▼
Amounts payable within one year
42/48€99k€85k▼
Trade debts payable within one year
44€4k€889▼
Income statement
Code20242025
Gross operating margin
9900€20k€8k▼
Operating result
9901€17k€-14k▼
Financial income
75€15€97▲
Financial charges
65€4k€5k▲
Result before taxes
9903€13k€-19k▼
Income taxes
67/77€3k-
Net result for the period
9904€9k€-19k▼
Result to be appropriated
9905€9k€-19k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-19k ▼301%
Net result drops to €-19k, the lowest in the series.
22-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 53 days late
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
06-12
State Gazette act
Statutes amendment
v3.2
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 1 act read
Directors · office · real estate
Directors
1 director, no change since 2023
Gholam Zakhi Gholam Mohammad
CurrentDirector · since 06-12-2023
06-12-2023
Appointed as Director
Location & real-estate footprint
Registered office, Brugge · 1 establishment unit since 2008
Ground area
101 m²
Building footprint
105 m²
Volume, LiDAR
922 m³
Parcel 31803C0899/00L000, Flanders · tallest building 14.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Souvenir Palace
since 20082.172.093.383
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31803C0899/00L000 | Flanders | 101 m² | 1 · 104 m² | 13.9 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.
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
CHRIF RJKM
BE 0648.676.018
Mortsel · Eq €19k
UNITED.BE
BE 0738.574.727
Charleroi · Eq €19k
STATION-MARKET
BE 0550.810.738
Evere · Eq €19k
KITU
BE 0737.605.915
Evere · Eq €19k
SANT INTERNATIONAL
BE 0899.500.301
Etterbeek · Eq €19k
Of 10,403 companies in sector 47110 we hold annual accounts for 5,524. 3,845 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-06-2008
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47252Retail sale of beverages, general range
47519Retail trade
61100Wired, wireless and satellite telecommunications
61200Telecommunications
62900Other information technology and computer services
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 19-07-2026. Scores and ratios are computed by Checked and are not a credit decision.