ZEYO PATRIMOINE
ActiveSummary
The computed 12-month bankruptcy probability of ZEYO PATRIMOINE is 3.6% (moderate). The 2025 annual accounts show negative equity (€-72k) and a net result of €-120k. Equity is shrinking by ~86.4% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
27
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability9▼-45
Solvency20▼-8
Growth32▼-46
Track record94
Bankruptcy probability, 12 months
3.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.03 against 0.0 in 2024; short-term debt: 45.3% and cash: 0.6% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Five 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 · 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 2025Solvency, return and age of the figures
Solvency
-4.6%
Return on assets
-7.7%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year €-72k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 3 filingsDeviation from the deadline
2025
25 d late
2024
31 d late
2023
68 d late
← 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
€-72k
2024 · €48k
2023: €11k
2024: €48k
2023 → 2025
Total assets
€1.56M▼ 1.5%
2024 · €1.59M
2023: €1.63M
2024: €1.59M
2023 → 2025
Net result
€-120k
2024 · €37k
2023: €-14k
2024: €37k
2023 → 2025
Working capital
€-687k▼ 24.5%
2024 · €-552k
2023: €-488k
2024: €-552k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€11k-€48k▲ 330%€-72k
Operating result€18k-€65k▲ 253%€-55k
Net result€-14k-€37k€-120k
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 2025: a loss of €55k after €65k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.56M
Fixed assets
€1.54M ▼ 2.8%
Current assets
€20k ▲ 21,880%
Key figures and ratios
EBITDA
€-11k▼
2024 · €109k
Cash flow
€-76k▼
2024 · €81k
Solvency
-4.6%▼
2024 · 3.0%
Current ratio
0.03▲
2024 · 0.00
Debt to equity
-22.69▼
2024 · 31.92
ROA
-7.7%▼
2024 · 2.3%
Interest coverage
-0.17▼
2024 · 3.90
Debt
€1.63M▲
2024 · €1.54M
Debt ≤ 1 year
€707k▲
2024 · €552k
Debt > 1 year
€927k▼
2024 · €986k
Income taxes
€5k
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.59M€1.56M▼
Fixed assets21/28€1.59M€1.54M▼
Tangible fixed assets22/27€1.59M€1.54M▼
Land and buildings22€1.59M€1.54M▼
Assets under construction and advance payments27€0-
Current assets29/58€92€20k▲
Amounts receivable within one year40/41€0€11k▲
Trade receivables40€0€11k▲
Other amounts receivable41€0-
Cash at bank and in hand54/58€92€9k▲
Equity and liabilities
Total equity and liabilities10/49€1.59M€1.56M▼
Equity10/15€48k€-72k▼
Contributions10/11€25k€25k=
Profit (loss) carried forward14€23k€-97k▼
Amounts payable17/49€1.54M€1.63M▲
Amounts payable after more than one year17€986k€927k▼
Financial debts170/4€986k€927k▼
Other amounts payable178/9€0-
Amounts payable within one year42/48€552k€707k▲
Current portion of amounts payable after more than one year42€65k€62k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€4k€16k▲
Suppliers440/4€4k€16k▲
Other amounts payable47/48€482k€630k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44k€44k=
Other operating charges640/8€6k€150▼
Gross operating margin9900€115k€-10k▼
Operating profit (loss)9901€65k€-55k▼
Financial charges65/66B€28k€61k▲
Recurring financial charges65€28k€61k▲
Profit (loss) for the period before taxes9903€37k€-116k▼
Income taxes67/77-€5k
Profit (loss) for the period9904€37k€-120k▼
Profit (loss) for the period to be appropriated9905€37k€-120k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€-97k▼
Profit (loss) brought forward from the previous period14P€-14k€23k▲
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Weakest financial yearnet €-120k ▼425%
Net result drops to €-120k, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Back to profitnet €37k
Net result €37k after one loss-making year.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 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, Wemmel · 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.
Koningin Astridlaan 59b1780 WemmelGround area
6,685 m²
Building footprint
1,988 m²
Volume, LiDAR
19,911 m³
2 parcels, Flanders · tallest building 15.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Berkenlaan 26, 1780 Wemmel
since 20222.341.017.202
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22662B0407/00D011 | Flanders | 6,201 m² | 1 · 1,886 m² | 15.3 m · 3 fl. |
| 22005A0132/00P024 | Flanders | 484 m² | 1 · 102 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-12-2022
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.