ZB 21
ActiveThe computed 12-month bankruptcy probability of ZB 21 is 1.9% (moderate). The 2024 annual accounts show equity of €70k and a net result of €10k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 47% of 26052 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability47▲+9
Solvency54▲+5
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.28 against 0.54 in 2023; short-term debt: 20.9% and cash: 0.5% of total assets), and 71.4% 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.
+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
28.6%
Return on assets
3.9%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-07-2025, 16 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
16 d early
2023
2 d early
2022
3 d early
2021
61 d late
2020
60 d late
2019
151 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€70k▲ 15.9%
2023 · €61k
2019: €48k
2020: €49k
2021: €60k
2022: €61k
2023: €61k
2019 → 2024
Total assets
€246k▼ 3.2%
2023 · €254k
2019: €280k
2020: €287k
2021: €241k
2022: €237k
2023: €254k
2019 → 2024
Net result
€10k▲ 11,902%
2023 · €80
2019: €3k
2020: €1k
2021: €11k
2022: €247
2023: €80
2019 → 2024
Working capital
€-37k▼ 96.7%
2023 · €-19k
2019: €-2k
2020: €-23k
2021: €-24k
2022: €-23k
2023: €-19k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€49k-€60k▲ 22.6%€61k▲ 0.4%€61k▲ 0.1%€70k▲ 15.9%
Operating result€5k-€16k▲ 205%€5k▼ 70.1%€4k▼ 24.3%€16k▲ 348%
Net result€1k-€11k▲ 655%€247▼ 97.8%€80▼ 67.5%€10k▲ 11,902%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 348% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €246k
Fixed assets
€232k=
Current assets
€14k▼ 36.4%
Equity and liabilities €246k
Equity
€70k▲ 15.9%
Debt
€175k▼ 9.2%
The debt ratio falls from 76.1% to 71.4%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
28.6%▲
2023 · 23.9%
Current ratio
0.28▼
2023 · 0.54
Quick ratio
0.28▼
2023 · 0.54
Debt / equity
2.49▼
2023 · 3.18
ROE
13.7%▲
2023 · 0.1%
ROA
3.9%▲
2023 · 0.0%
Debt
€175k▼
2023 · €193k
Debt ≤ 1 year
€51k▲
2023 · €41k
Debt > 1 year
€124k▼
2023 · €152k
Income taxes
€4k▲
2023 · €253
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€254k€246k▼
Fixed assets21/28€232k€232k=
Financial fixed assets28€232k€232k=
Current assets29/58€22k€14k▼
Amounts receivable within one year40/41€19k€13k▼
Trade receivables40€16k€13k▼
Other amounts receivable41€3k€0▼
Cash at bank and in hand54/58€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€254k€246k▼
Equity10/15€61k€70k▲
Contributions10/11€45k€45k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€13k€23k▲
Amounts payable17/49€193k€175k▼
Amounts payable after more than one year17€152k€124k▼
Financial debts170/4€70k€45k▼
Other amounts payable178/9€82k€79k▼
Amounts payable within one year42/48€41k€51k▲
Current portion of amounts payable after more than one year42€25k€25k▲
Trade debts44€1k€0▼
Suppliers440/4€1k€0▼
Taxes, remuneration and social security45€3k€6k▲
Taxes450/3€3k€6k▲
Other amounts payable47/48€13k€21k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Other operating charges640/8€389€403▲
Gross operating margin9900€4k€17k▲
Operating profit (loss)9901€4k€16k▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€333€13k▲
Income taxes67/77€253€4k▲
Profit (loss) for the period9904€80€10k▲
Profit (loss) for the period to be appropriated9905€80€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€23k▲
Profit (loss) brought forward from the previous period14P€13k€13k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €80 ▼67.5%
Net result drops to €80, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Highest result since 2019net €11k ▲655%
Net result €11k, the highest in the series.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
29-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 151 days late
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, Gesves · 1 establishment unit since 2018
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 de Sierpont 215340 GesvesGround area
1,766 m²
Building footprint
130 m²
Parcel 92054B0400/00K000, Wallonia. Linked by address, not a title deed.
1 establishment unit
ZB21
since 20182.284.849.846
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92054B0400/00K000 | Wallonia | 1,766 m² | 1 · 130 m² | - |
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 418 companies in sector 47260 we hold annual accounts for 264. 211 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-11-2018
Fiscal year end31-12
Activities, NACEBEL
47260Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.
Contact details
2 entriesE-mail:francois7700@gmail.com
Phone:0478/999029