ZAR
ActiveZAR has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €41k and a net result of €-46k. Equity is growing by ~15.9% per year across the filed fiscal years. Its solvency ranks better than 63% of 37972 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-7
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.9 against 4.97 in 2023), and 30.3% 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+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · 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 2024Solvency, return and age of the figures
Solvency
69.7%
Return on assets
-77.9%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-10-2025, 72 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
72 d late
2023
68 d late
2022
132 d late
2021
31 d late
2020
25 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€41k▼ 52.8%
2023 · €86k
2020: €24k
2021: €63k
2022: €85k
2023: €86k
2020 → 2024
Total assets
€59k▼ 44.7%
2023 · €106k
2020: €40k
2021: €107k
2022: €126k
2023: €106k
2020 → 2024
Net result
€-46k
2023 · €1k
2020: €14k
2021: €39k
2022: €23k
2023: €1k
2020 → 2024
Working capital
€34k▼ 55.3%
2023 · €76k
2020: €24k
2021: €52k
2022: €66k
2023: €76k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€24k-€63k▲ 163%€85k▲ 36.0%€86k▲ 1.4%€41k▼ 52.8%
Operating result€20k-€56k▲ 187%€34k▼ 40.1%€2k▼ 94.2%€-45k
Net result€14k-€39k▲ 180%€23k▼ 41.9%€1k▼ 94.7%€-46k
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 2024: a loss of €45k after €2k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €59k
Fixed assets
€7k▼ 38.1%
Current assets
€52k▼ 45.5%
Equity and liabilities €59k
Equity
€41k▼ 52.8%
Debt
€18k▼ 9.0%
The debt ratio rises from 18.4% to 30.3%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-41k▼
2023 · €6k
Cash flow
€-41k▼
2023 · €6k
Solvency
69.7%▼
2023 · 81.6%
Current ratio
2.90▼
2023 · 4.97
Quick ratio
2.90▼
2023 · 4.97
Debt / equity
0.43▲
2023 · 0.23
ROE
-111.7%▼
2023 · 1.4%
ROA
-77.9%▼
2023 · 1.1%
Interest coverage
-20.32▼
2023 · 12.21
Debt
€18k▼
2023 · €20k
Debt ≤ 1 year
€18k▼
2023 · €19k
Income taxes
€341▼
2023 · €1k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€106k€59k▼
Fixed assets21/28€11k€7k▼
Tangible fixed assets22/27€11k€7k▼
Furniture and vehicles24€11k€7k▼
Current assets29/58€95k€52k▼
Amounts receivable within one year40/41€56k€52k▼
Trade receivables40€30k€1k▼
Other amounts receivable41€26k€50k▲
Cash at bank and in hand54/58€37k-
Deferred charges and accrued income490/1€789-
Equity and liabilities
Total equity and liabilities10/49€106k€59k▼
Equity10/15€86k€41k▼
Contributions10/11€10k€10k=
Reserves13€76k€76k=
Distributable reserves133€76k€76k=
Profit (loss) carried forward14-€-46k
Amounts payable17/49€20k€18k▼
Amounts payable within one year42/48€19k€18k▼
Financial debts43-€0
Credit institutions430/8-€0
Trade debts44€6k€16k▲
Suppliers440/4€6k€16k▲
Taxes, remuneration and social security45€13k€2k▼
Taxes450/3€13k€2k▼
Accrued charges and deferred income492/3€459€0▼
Income statement
Code20232024
Non-recurring operating income76A€12k-
Remuneration, social security and pensions62€404-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€9k
Other operating charges640/8€2k€2k▲
Gross operating margin9900€9k€-30k▼
Operating profit (loss)9901€2k€-45k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€516€2k▲
Recurring financial charges65€516€2k▲
Profit (loss) for the period before taxes9903€3k€-45k▼
Income taxes67/77€1k€341▼
Profit (loss) for the period9904€1k€-46k▼
Profit (loss) for the period to be appropriated9905€1k€-46k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1k€-46k▼
Transfer to equity691/2€1k-
To other reserves6921€1k-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
11-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 72 days late
2024
31-12
Financial
Weakest financial yearnet €-46k ▼3910%
Net result drops to €-46k, the lowest in the series.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
10-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 132 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2020net €39k ▲180%
Operating result €56k, net result €39k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 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, Amay · 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.
Rue du Saule Gaillard(Jeh) 884540 AmayGround area
865 m²
Building footprint
102 m²
Volume, LiDAR
699 m³
Parcel 61022B0764/00G000, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
L'activité de consultance
since 20202.304.667.540
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61022B0764/00G000 | Wallonia | 865 m² | 1 · 102 m² | 8.2 m · 2 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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JP MOREAU
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WIBAWA CONSULT
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MyOne Consulting
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 36,727 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-02-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.