Checked.be
Active
BE 0898.605.030Private limited company
ZAKHI
Katelijnestraat 58 ·8000 Brugge, Belgium· 18 yrs active
Sector: Non-specialised retail sale with food, beverages or tobacco predominating
(47110)
Conclusion
ZAKHI 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).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €-11 |
| Net result | €-19k |
| Better than sector | 22% |
| Active | 18 yrs |
Financial profile
62
/ 100
Strong profile, led by profitability.
All 5 axes are computed from data Checked has read.
Health
17
Profitability
100
Solvency
43
Growth
52
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2008, 18 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
17
/ 100
Critical
Computed from 4 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
13
2021
7
2022
71
2023
55
2024
17
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 0.92 (< 1.0)
-10
Quick ratio
Quick ratio 0.28 (< 0.6)
-5
Equity
Negative equity
-25
Profitability
ROE 177586% (≥ 10%)
+10
Profit trend
Net profit down YoY
-3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 22-07-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
volatile
Too volatile to project: the yearly deviation from the trend is ~111% of the level (threshold 35%). We therefore deliberately show no projection line.
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).
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 0.0% | 34.6% | |
| Net result | €-19k | €5k | |
| Equity | €-11 | €44k | |
| Gross operating margin | €8k | €34k | |
| Total assets | €85k | €154k |
€18k
+693.3%
21-25
€-19k
-
21-25
€15k
-
21-25
€85k
-27.8%
21-25
€-11
-
21-25
€-6k
-
21-25
€3k
+12223.2%
21-25
€85k
-13.9%
21-25
€85k
-13.9%
21-25
0.92
-18.1%
21-25
0.28
-59.0%
21-25
0.0%
-
21-25
-7918.61
-
21-25
177585.5%
+355776.4%
21-25
-22.4%
-
21-25
5.84
+876.2%
21-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | - | - | €18k | €2k | €47k |
| Net profit | €-19k | €9k | €15k | €-2k | €45k |
| Cash flow | - | - | €15k | €-2k | €46k |
| Staff costs | - | - | - | - | - |
| Income taxes | - | €3k | €26 | - | - |
| Dividends | - | - | - | - | - |
| Total assets | €85k | €118k | €123k | €99k | €93k |
| Equity | €-11 | €19k | €10k | €-5k | €-4k |
| Debt | €85k | €99k | €113k | €104k | €97k |
| of which ≤ 1y | €85k | €99k | €113k | €104k | €97k |
| of which > 1y | - | - | - | - | - |
| Working capital | €-6k | €13k | €3k | €-12k | €-10k |
| Employees (FTE) | - | - | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 0.92 | 1.13 | 1.03 | 0.89 | 0.89 |
| Quick ratio | 0.28 | 0.70 | 0.68 | 0.48 | 0.61 |
| Working capital ratio | -7.6% | 10.7% | 2.5% | -11.9% | -11.3% |
| Solvency | 0.0% | 16.2% | 7.8% | -5.4% | -3.8% |
| Debt / equity | -7918.61 | 5.18 | 11.90 | -19.50 | -27.06 |
| Long-term debt ratio | - | - | - | - | - |
| Interest coverage | - | - | 5.84 | 0.60 | 33.06 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | -22.4% | 8.1% | 12.1% | -1.8% | 48.7% |
| ROE | 177585.5% | 49.9% | 156.0% | 33.0% | -1268.9% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €85k | €118k | €123k | €99k | €93k |
| Fixed assets | 21/28 | €6k | €6k | €6k | €7k | €7k |
| Tangible fixed assets | 22/27 | - | - | - | €240 | €480 |
| Financial fixed assets | 28 | €6k | €6k | €6k | €6k | €6k |
| Current assets | 29/58 | €78k | €111k | €117k | €92k | €86k |
| Stocks & contracts in progress | 3 | €54k | €43k | €40k | €42k | €28k |
| Amounts receivable within one year | 40/41 | €689 | €10k | €7k | €2k | €1k |
| Cash & bank | 54/58 | €23k | €58k | €69k | €46k | €55k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €85k | €118k | €123k | €99k | €93k |
| Equity | 10/15 | €-11 | €19k | €10k | €-5k | €-4k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k | €19k |
| Accumulated profits (losses) | 14 | €-19k | €426 | €-9k | €-24k | €-22k |
| Amounts payable | 17/49 | €85k | €99k | €113k | €104k | €97k |
| Amounts payable within one year | 42/48 | €85k | €99k | €113k | €104k | €97k |
| Trade debts payable within one year | 44 | €889 | €4k | €6k | €2k | €55k |
| Income statement | ||||||
| Gross operating margin | 9900 | €8k | €20k | €19k | €3k | €48k |
| Operating result | 9901 | €-14k | €17k | €18k | €2k | €47k |
| Financial income | 75 | €97 | €15 | €12 | €23 | €125 |
| Financial charges | 65 | €5k | €4k | €3k | €4k | €1k |
| Result before taxes | 9903 | €-19k | €13k | €15k | €-2k | €45k |
| Income taxes | 67/77 | - | €3k | €26 | - | - |
| Net result for the period | 9904 | €-19k | €9k | €15k | €-2k | €45k |
| Result to be appropriated | 9905 | €-19k | €9k | €15k | €-2k | €45k |
Directors & mandates
Current directors & mandates
-
Gholam Zakhi Gholam MohammadDirectorState Gazette act 23447724 (06-12-2023)Current06-12-2023 → present
Legal Structure
| NACE primary | Non-specialised retail sale with food, beverages or tobacco predominating(47110) |
| Legal form | Private limited company(610) |
| Incorporation | 11-06-2008 |
| Status | Active |
| Postal code | 8000 |
Establishment units
Souvenir Palace
since 20082.172.093.383
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31803C0899/00L000 | Flanders | 101 m² | 1 · 104 m² | 13.9 m · 3 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
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.
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
2023
06-12-2023 Articles of association amended
Summary:
v3.2
Technical details
{
"schema": "v3.2",
"act_meta": {
"extractor": "qwen3-30b-a3b"
},
"name_change": {
"new": "",
"old": "",
"changed": false
},
"seat_change": {
"changed": false
},
"object_change": {
"changed": false
},
"subject_company": {
"kbo": "0898.605.030",
"name_full": "ZAKHI"
},
"legal_form_change": {
"new": "Besloten vennootschap (BV)",
"old": "Besloten vennootschap met beperkte aansprakelijkheid",
"changed": true
}
}Credit advice
Company registry (CBE)
Activities
Non-specialised retail sale with food, beverages or tobacco predominating47110Retail trade47112Retail sale of beverages, general range47252Retail trade47519Wired, wireless and satellite telecommunications61100Telecommunications61200Other information technology and computer services62900
Names & trade names
| Legal nameNL | ZAKHI |
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