ZIMCONSTRUCT

Active

Private limited companyfounded 201015 yrs activeAlsembergsesteenweg 842, 1180 Ukkel, BelgiumKBO/BCE: BE 0829.967.731

Summary

The computed 12-month bankruptcy probability of ZIMCONSTRUCT is 1.6% (moderate). The 2025 annual accounts show equity of €195k and a net result of €21k. Equity is growing by ~16% per year across the filed fiscal years. Its solvency ranks better than 23% of 27786 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

59 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability72▲+2

Solvency47▲+10

Growth78=

Track record100

Bankruptcy probability, 12 months

1.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €11k at 30 days acceptable

Liquidity tight (current ratio 1.22 against 1.12 in 2024; short-term debt: 77.9% and cash: 47.3% of total assets), and 78.3% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 27786 sector peers (2025).

NBB · sector comparison

Position among 27786 sector peers

Solvency

better than 23%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

1 d early

2024

55 d early

2023

46 d early

2022

19 d early

2021

31 d early

2020

30 d late

2019

20 d late

← before the deadline after the deadline →

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.

Companies Code · seven months

Position in the running window

31-03-2026 close24-09-2026 today31-10-2026 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€21k▲ 55.0%

2024 · €13k

2019: €13k 2020: €44k 2021: €-1k 2022: €19k 2023: €30k 2024: €13k

2019 → 2025

Working capital

€152k▲ 6.1%

2024 · €143k

2019: €53k 2020: €100k 2021: €112k 2022: €92k 2023: €125k 2024: €143k

2019 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€111k-€131k▲ 17.5%€161k▲ 23.0%€174k▲ 8.3%€195k▲ 11.9%

Operating result€4k-€32k▲ 706%€40k▲ 26.5%€23k▼ 41.5%€34k▲ 47.0%

Net result€-1k-€19k€30k▲ 54.6%€13k▼ 55.5%€21k▲ 55.0%

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 47% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €900k

94.8%

Fixed assets €47k ▼ 5.9%

Current assets €853k ▼ 37.4%

Equity and liabilities €900k

21.7%

78.3%

Equity €195k ▲ 11.9%

Debt €705k ▼ 43.0%

Debt's share of the balance-sheet total falls from 87.7% to 78.3%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€58k▲

2024 · €45k

Cash flow

€44k▲

2024 · €35k

Current ratio

1.22▲

2024 · 1.12

Debt to equity

3.62▼

2024 · 7.10

ROE

10.6%▲

2024 · 7.7%

ROA

2.3%▲

2024 · 0.9%

Interest coverage

22.26▲

2024 · 13.16

Debt ≤ 1 year

€701k▼

2024 · €1.22M

Debt > 1 year

€4k▼

2024 · €19k

Income taxes

€12k▲

2024 · €7k

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 · 45 lines

Balance sheet Code20242025

Assets

Total assets20/58€1.41M€900k▼

Fixed assets21/28€50k€47k▼

Tangible fixed assets22/27€47k€44k▼

Plant, machinery and equipment23€804€18k▲

Furniture and vehicles24€46k€26k▼

Financial fixed assets28€3k€3k=

Current assets29/58€1.36M€853k▼

Amounts receivable within one year40/41€958k€426k▼

Trade receivables40€890k€306k▼

Other amounts receivable41€68k€120k▲

Cash at bank and in hand54/58€402k€425k▲

Deferred charges and accrued income490/1€2k€2k▲

Equity and liabilities

Total equity and liabilities10/49€1.41M€900k▼

Equity10/15€174k€195k▲

Contributions10/11€6k€6k=

Outside capital11-€6k

Other1109/19-€6k

Reserves13€2k€2k=

Distributable reserves133€2k€2k=

Profit (loss) carried forward14€166k€187k▲

Amounts payable17/49€1.24M€705k▼

Amounts payable after more than one year17€19k€4k▼

Financial debts170/4€19k€4k▼

Amounts payable within one year42/48€1.22M€701k▼

Current portion of amounts payable after more than one year42€15k€15k▲

Trade debts44€1.20M€674k▼

Suppliers440/4€1.20M€674k▼

Taxes, remuneration and social security45€8k€12k▲

Taxes450/3€7k€12k▲

Remuneration and social security454/9€2k-

Income statement Code20242025

Non-recurring operating income76A€625-

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€23k▲

Other operating charges640/8€3k€1k▼

Gross operating margin9900€47k€59k▲

Operating profit (loss)9901€23k€34k▲

Financial income75/76B€75€542▲

Recurring financial income75€75€542▲

Financial charges65/66B€3k€3k▼

Recurring financial charges65€3k€3k▼

Profit (loss) for the period before taxes9903€20k€32k▲

Income taxes67/77€7k€12k▲

Profit (loss) for the period9904€13k€21k▲

Profit (loss) for the period to be appropriated9905€13k€21k▲

Appropriation of the result

Profit (loss) to be appropriated9906€166k€187k▲

Profit (loss) brought forward from the previous period14P€153k€166k▲

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 15Financial 5Filings 10

Next filing, fiscal year 2026, expected by 31-10-2026

2025

30-10

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2024

06-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2023

15-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

31-03

Financial Equity above €150kEq €161k ▲23%

2 profitable years in a row build equity to €161k.

2022

12-10

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

31-03

Financial Back to profitnet €19k

Net result €19k after one loss-making year.

2021

30-09

NBB filing Annual accounts filed

fiscal year 2021 · full schema

31-03

Financial Weakest financial yearnet €-1k ▼102%

Net result drops to €-1k, the lowest in the series; recovery starts the following year.

2020

30-11

NBB filing Annual accounts filed

fiscal year 2020 · full schema · 30 days late

31-03

Financial Highest result since 2019net €44k ▲236%

Operating result €71k, net result €44k, both a record.

31-03

Financial Equity above €100kEq €112k ▲63.9%

2 profitable years in a row build equity to €112k.

2019

20-11

NBB filing Annual accounts filed

fiscal year 2019 · full schema · 20 days late

Show earlier events

2018

30-11

NBB filing Annual accounts filed

fiscal year 2018 · full schema · 30 days late

2017

31-10

NBB filing Annual accounts filed

fiscal year 2017 · full schema

2016

19-10

NBB filing Annual accounts filed

fiscal year 2016 · full schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

5 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, Ukkel · 1 establishment unit since 2010

establishment The establishment unit on the map

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.

Alsembergsesteenweg 8421180 Ukkel

Ground area

1,616 m²

Building footprint

1,089 m²

Volume, LiDAR

6,528 m³

Parcel 21614E0126/00A002, Brussels · tallest building 12.7 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

ZIMCONSTRUCT

Alsembergsesteenweg 842, 1180 UkkelCutting, shaping and finishing of stone

since 20102.193.931.944

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21614E0126/00A002	Brussels	1,616 m²	1 · 1,089 m²	12.7 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.

Recognitions · licences · registrations

Recognised contractor

16 categories

ZIMCONSTRUCT SRL41726

category D1, class 1 · category D10, class 1 · category D11, class 1 · category D12, class 1 · category D13, class 1 · category D14, class 1 · category D15, class 1 · category D20, class 1 · category D21, class 1 · category D22, class 1 · category D24, class 1 · category D25, class 1 · category D29, class 1 · category D4, class 1 · category D5, class 1 · category D6, class 1

decision 30-01-2023

Similar companies · same sector, comparable size

BATIS-MOI

BE 0887.139.135

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KARA WOLF

BE 0886.202.292

Brussel · Eq €194,718

C.P.E. MAES

BE 0438.121.680

Beveren-Kruibeke-Zwijndrecht · Eq €195,077

Polyvijvers - Polyestershop

Lokeren · Eq €194,591

Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,884 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

Founded05-10-2010

Fiscal year end31-03

Activities, NACEBEL 2025

43990Other specialised construction activities

81210General cleaning of buildings

Sources

Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.