ZEN
ActiveSummary
ZEN has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12k and a net result of €8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 79% of 4621 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency91▲+31
Growth78=
Track record94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.91 against 0.62 in 2024; short-term debt: 34.3% and cash: 26% of total assets), and 34.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+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
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
65.7%
Return on assets
42.9%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
30 d late
2024
21 d early
2023
23 d early
2022
28 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€12k▲ 188%
2024 · €4k
2022: €420
2023: €-3k
2024: €4k
2022 → 2025
Total assets
€19k▲ 51.8%
2024 · €12k
2022: €20k
2023: €17k
2024: €12k
2022 → 2025
Net result
€8k▲ 17.9%
2024 · €7k
2022: €-580
2023: €-3k
2024: €7k
2022 → 2025
Working capital
€6k
2024 · €-3k
2022: €6k
2023: €-1k
2024: €-3k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€420-€-3k€4k€12k▲ 188%
Operating result€-582-€-3k▼ 369%€9k€11k▲ 21.4%
Net result€-580-€-3k▼ 412%€7k€8k▲ 17.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €19k
Fixed assets
€6k ▼ 16.7%
Current assets
€12k ▲ 202%
Equity and liabilities €19k
Equity
€12k ▲ 188%
Debt
€6k ▼ 20.5%
Debt's share of the balance-sheet total falls from 65.4% to 34.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13k▲
2024 · €11k
Cash flow
€10k▲
2024 · €9k
Current ratio
1.91▲
2024 · 0.62
Quick ratio
1.31▲
2024 · 0.27
Debt to equity
0.52▼
2024 · 1.89
ROE
65.3%▼
2024 · 159.8%
ROA
42.9%▼
2024 · 55.3%
Interest coverage
55.58▲
2024 · 35.35
Debt ≤ 1 year
€6k▼
2024 · €7k
Income taxes
€2k▲
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€12k€19k▲
Formation expenses20€498-
Fixed assets21/28€8k€6k▼
Tangible fixed assets22/27€8k€6k▼
Plant, machinery and equipment23€8k€6k▼
Current assets29/58€4k€12k▲
Stocks and contracts in progress3€2k€4k▲
Stocks30/36€2k€4k▲
Amounts receivable within one year40/41€57€3k▲
Trade receivables40€57€183▲
Other amounts receivable41-€3k
Cash at bank and in hand54/58€2k€5k▲
Deferred charges and accrued income490/1€42€23▼
Equity and liabilities
Total equity and liabilities10/49€12k€19k▲
Equity10/15€4k€12k▲
Contributions10/11€1k€1k=
Reserves13€3k€11k▲
Distributable reserves133€3k€11k▲
Amounts payable17/49€8k€6k▼
Amounts payable after more than one year17€1k-
Financial debts170/4€1k-
Amounts payable within one year42/48€7k€6k▼
Current portion of amounts payable after more than one year42€1k€93▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48€69€97▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€847€871▲
Gross operating margin9900€12k€14k▲
Operating profit (loss)9901€9k€11k▲
Financial income75/76B€2€179▲
Recurring financial income75€2€179▲
Financial charges65/66B€315€233▼
Recurring financial charges65€315€233▼
Profit (loss) for the period before taxes9903€8k€10k▲
Income taxes67/77€2k€2k▲
Profit (loss) for the period9904€7k€8k▲
Profit (loss) for the period to be appropriated9905€7k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€8k▲
Profit (loss) brought forward from the previous period14P€-4k-
Transfer to equity691/2€3k€8k▲
To other reserves6921€3k€8k▲
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
Next filing, fiscal year 2026, expected by
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Highest result since 2022net €8k ▲17.9%
Operating result €11k, net result €8k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.91
Current ratio from 0.62 to 1.91; short-term debt falls from €7k to €6k.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Rumst · 1 establishment unit since 2022
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.
Azalealaan 92840 RumstGround area
601 m²
Building footprint
105 m²
Volume, LiDAR
480 m³
Parcel 11036A0211/00K000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ZEN
since 20222.336.952.209
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11036A0211/00K000 | Flanders | 601 m² | 1 · 105 m² | 7.3 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.
Similar companies · same sector, comparable size
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SILMA
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Angels Nails Spa & Body
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Axelle beauty skin expert
BE 1013.445.409
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Of 24,860 companies in sector 96220 we hold annual accounts for 1,443. 1,129 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-10-2022
Fiscal year end31-12
Activities, NACEBEL 2025
96220Beauty care and other beauty treatments
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.