ZEMONTOUT
ActiveZEMONTOUT has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.03M and a net result of €9k. Equity is shrinking by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 75% of 58 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+39
Solvency98▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 4.65 against 4.3 in 2024; short-term debt: 6.9% and cash: 27.7% of total assets), and 27.2% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 37
Relative position
BE, all sectors
reference
Sector 37
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
72.8%
Return on assets
0.6%
Age of the figures
9 mo
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
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
17 d early
2023
22 d early
2022
21 d early
2021
9 d early
2020
9 d early
2019
7 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.03M▼ 1.7%
2024 · €1.04M
2018: €198k
2019: €1.29M
2020: €1.22M
2021: €1.14M
2022: €1.12M
2023: €1.12M
2024: €1.04M
2018 → 2025
Total assets
€1.41M▼ 7.0%
2024 · €1.52M
2018: €227k
2019: €1.50M
2020: €1.36M
2021: €1.44M
2022: €1.40M
2023: €1.56M
2024: €1.52M
2018 → 2025
Net result
€9k
2024 · €-14k
2018: €19k
2019: €1.12M
2020: €-44k
2021: €-44k
2022: €8k
2023: €7k
2024: €-14k
2018 → 2025
Working capital
€354k▼ 17.8%
2024 · €431k
2018: €35k
2019: €1.27M
2020: €928k
2021: €651k
2022: €613k
2023: €536k
2024: €431k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.14M-€1.12M▼ 1.7%€1.12M▲ 0.2%€1.04M▼ 6.6%€1.03M▼ 1.7%
Operating result€-43k-€2k€2k▼ 17.8%€16k▲ 882%€11k▼ 27.6%
Net result€-44k-€8k€7k▼ 10.4%€-14k€9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 28% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.41M
Fixed assets
€961k▲ 0.4%
Current assets
€451k▼ 19.6%
Equity and liabilities €1.41M
Equity
€1.03M▼ 1.7%
Debt
€385k▼ 18.7%
The debt ratio falls from 31.2% to 27.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€57k▼
2024 · €58k
Cash flow
€54k▲
2024 · €28k
Solvency
72.8%▲
2024 · 68.8%
Current ratio
4.65▲
2024 · 4.30
Quick ratio
4.65▲
2024 · 4.30
Debt / equity
0.37▼
2024 · 0.45
ROE
0.8%▲
2024 · -1.4%
ROA
0.6%▲
2024 · -0.9%
Interest coverage
6.34▲
2024 · 1.58
Debt
€385k▼
2024 · €473k
Debt ≤ 1 year
€97k▼
2024 · €130k
Debt > 1 year
€285k▼
2024 · €340k
Income taxes
€138▼
2024 · €148
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
Assets
Total assets20/58€1.52M€1.41M▼
Fixed assets21/28€957k€961k▲
Tangible fixed assets22/27€957k€961k▲
Land and buildings22€945k€927k▼
Plant, machinery and equipment23-€26k
Furniture and vehicles24€12k€8k▼
Current assets29/58€561k€451k▼
Amounts receivable within one year40/41€90k€53k▼
Trade receivables40€29k€51k▲
Other amounts receivable41€61k€3k▼
Cash at bank and in hand54/58€464k€391k▼
Deferred charges and accrued income490/1€7k€7k▼
Equity and liabilities
Total equity and liabilities10/49€1.52M€1.41M▼
Equity10/15€1.04M€1.03M▼
Contributions10/11€21k€21k=
Reserves13€1.06M€1.04M▼
Distributable reserves133€1.06M€1.04M▼
Profit (loss) carried forward14€-38k€-29k▲
Amounts payable17/49€473k€385k▼
Amounts payable after more than one year17€340k€285k▼
Financial debts170/4€340k€285k▼
Amounts payable within one year42/48€130k€97k▼
Current portion of amounts payable after more than one year42€54k€55k▲
Trade debts44€6k€4k▼
Suppliers440/4€6k€4k▼
Taxes, remuneration and social security45€8k€5k▼
Taxes450/3€8k€5k▼
Other amounts payable47/48€63k€33k▼
Accrued charges and deferred income492/3€3k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€46k▲
Other operating charges640/8€9k€9k▲
Gross operating margin9900€67k€66k▼
Operating profit (loss)9901€16k€11k▼
Financial income75/76B€7k€6k▼
Recurring financial income75€7k€6k▼
Financial charges65/66B€37k€9k▼
Recurring financial charges65€37k€9k▼
Profit (loss) for the period before taxes9903€-14k€9k▲
Income taxes67/77€148€138▼
Profit (loss) for the period9904€-14k€9k▲
Profit (loss) for the period to be appropriated9905€-14k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-38k€-29k▲
Profit (loss) brought forward from the previous period14P€-24k€-38k▼
Transfer from equity791/2€60k€26k▼
Profit to be distributed694/7€60k€26k▼
Return on contributions (dividend)694€60k€26k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-44k
Net result drops to €-44k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 25.23
Current ratio from 7.90 to 25.23; short-term debt falls from €185k to €38k.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €1.12M ▲5715%
Net result €1.12M, the highest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 7.90
Current ratio from 2.22 to 7.90.
31-12
Financial
Equity above €1MEq €1.29M ▲551%
2 profitable years in a row build equity to €1.29M.
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 58 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Gembloux · 1 establishment unit since 2010
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 Zémont, Lonzée 325030 GemblouxGround area
3,623 m²
Building footprint
1,876 m²
Parcel 92253C0181/00R000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue du Zémont, Lonzée 32, 5030 Gembloux
since 20102.186.142.250
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92253C0181/00R000 | Wallonia | 3,623 m² | 1 · 1,876 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.
Recognitions · licences · registrations
Legal Entity Identifier
875500F460ALELROE530
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Of 362 companies in sector 37000 we hold annual accounts for 205. 123 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-12-2009
Fiscal year end31-12
Activities, NACEBEL
37000Sewerage
42212Civil engineering
43120Site preparation
68201Renting and operating of own or leased residential real estate, excluding social housing
81220Other building cleaning and industrial cleaning
81300Landscape service activities
82100Office administrative and support services
82190Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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
1 entryE-mail:michel@michelwiame.be