Zelo Services
ActiveThe computed 12-month bankruptcy probability of Zelo Services is 2.6% (moderate). The 2025 annual accounts show equity of €6k and a net result of €5k. Its solvency ranks better than 17% of 7332 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability78
Solvency34
Growth-
Track record67
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.97; short-term debt: 90.6% and cash: 5% of total assets), and 90.6% 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 7332 sector peers (2025).
NBB · sector comparisonPosition among 7332 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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 · 1 filingDeviation from the deadline
2025
3 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€6k
Total assets
€59k
Net result
€5k
Working capital
€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €59k
Fixed assets
€7k
Current assets
€52k
Equity and liabilities €59k
Equity
€6k
Debt
€53k
Debt finances 90.6% of the balance-sheet total.
Key figures and ratios
EBITDA
€10k
Cash flow
€10k
Solvency
9.4%
Current ratio
0.97
Quick ratio
0.97
Debt / equity
9.67
ROE
81.9%
ROA
7.7%
Interest coverage
37.78
Debt
€53k
Debt ≤ 1 year
€53k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€59k
Fixed assets21/28€7k
Tangible fixed assets22/27€7k
Furniture and vehicles24€7k
Current assets29/58€52k
Amounts receivable within one year40/41€49k
Trade receivables40€43k
Other amounts receivable41€6k
Cash at bank and in hand54/58€3k
Deferred charges and accrued income490/1€99
Equity and liabilities
Total equity and liabilities10/49€59k
Equity10/15€6k
Contributions10/11€1k
Profit (loss) carried forward14€5k
Amounts payable17/49€53k
Amounts payable within one year42/48€53k
Trade debts44€52k
Suppliers440/4€52k
Taxes, remuneration and social security45€1k
Taxes450/3€1k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k
Other operating charges640/8€212
Gross operating margin9900€10k
Operating profit (loss)9901€5k
Financial income75/76B€118
Recurring financial income75€118
Financial charges65/66B€270
Recurring financial charges65€270
Profit (loss) for the period before taxes9903€5k
Profit (loss) for the period9904€5k
Profit (loss) for the period to be appropriated9905€5k
Appropriation of the result
Profit (loss) to be appropriated9906€5k
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
2026
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
NBB filing
Directors · office · real estate
Directors
2 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, Villers-la-Ville · 1 establishment unit since 2024
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 Mellery 521495 Villers-la-VilleGround area
97 m²
Building footprint
55 m²
Parcel 25107B0156/00G002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Zelo Services
since 20242.361.591.989
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25107B0156/00G002 | Wallonia | 97 m² | 1 · 55 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.
Similar companies · same sector, comparable size
INVEST FUTUR ASDL
BE 0800.584.847
Sint-Pieters-Leeuw · Eq €6k
IMPERBAT
BE 0478.132.004
Aiseau-Presles · Eq €6k
LG CONSTRUCTIONS
BE 0672.865.244
Liège · Eq €6k
C & R CONSTRUCT
BE 1013.699.983
Antwerpen · Eq €6k
IMMO PROJECT LEADING
BE 0865.721.436
Sint-Truiden · Eq €6k
Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 6,859 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-07-2024
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.