ZINtality
ActiveSummary
ZINtality has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €4k and a net result of €-2k. Equity is shrinking by ~37.5% per year across the filed fiscal years. Its solvency ranks better than 27% of 399 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2026
Axes · tick = 2025
Profitability11▼-89
Solvency53▼-16
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Four 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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 2026Solvency, return and age of the figures
Solvency
28%
Return on assets
-10.8%
Age of the figures
6 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 08-06-2026, 145 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
145 d early
2025
1 d early
2024
19 d late
2023
on the day
2022
31 d early
2021
31 d early
2020
1 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 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Turnover
€91k
EBIT margin
-20.4%
Net result
€-2k
2025 · €5k
2019: €-19k
2020: €-16k▲ +18.6% vs 2019
2021: €6k▲ +137% vs 2020highest in 8 years
2022: €2k▼ -70.5% vs 2021
2023: €-17k▼ -1094% vs 2022
2024: €-20k▼ -16.0% vs 2023lowest in 8 years
2025: €5k▲ +126% vs 2024
2026: €-2k▼ -130% vs 2025
2019 → 2026
Working capital
€4k▼ 24.5%
2025 · €6k
2019: €108khighest in 8 years
2020: €17k▼ -84.1% vs 2019
2021: €29k▲ +68.7% vs 2020
2022: €35k▲ +21.4% vs 2021
2023: €20k▼ -42.0% vs 2022
2024: €228▼ -98.9% vs 2023lowest in 8 years
2025: €6k▲ +2324% vs 2024
2026: €4k▼ -24.5% vs 2025
2019 → 2026
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€38k-€21k▼ 45.7%€476▼ 97.7%€6k▲ 1,113%€4k▼ 27.8%
2022: €38khighest in 5 years
2023: €21k▼ -45.7% vs 2022
2024: €476▼ -97.7% vs 2023lowest in 5 years
2025: €6k▲ +1113% vs 2024
2026: €4k▼ -27.8% vs 2025
Operating result€3k-€-16k€-19k▼ 16.2%€7k€-550
2022: €3k
2023: €-16k▼ -648% vs 2022
2024: €-19k▼ -16.2% vs 2023lowest in 5 years
2025: €7k▲ +135% vs 2024highest in 5 years
2026: €-550▼ -108% vs 2025
Net result€2k-€-17k€-20k▼ 16.0%€5k€-2k
2022: €2k
2023: €-17k▼ -1094% vs 2022
2024: €-20k▼ -16.0% vs 2023lowest in 5 years
2025: €5k▲ +126% vs 2024highest in 5 years
2026: €-2k▼ -130% vs 2025
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 2026: a loss of €550 after €7k in 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Equity and liabilities €15k
Equity
€4k ▼ 27.8%
Debt
€11k ▲ 46.3%
Debt's share of the balance-sheet total rises from 55.9% to 72.0%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
1.39▼
2025 · 1.76
Debt to equity
2.57▲
2025 · 1.27
ROE
-38.5%▼
2025 · 91.8%
ROA
-10.8%▼
2025 · 40.5%
Debt ≤ 1 year
€11k▲
2025 · €7k
Income taxes
€117▲
2025 · €116
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 · 2026 against 2025 · 39 lines
Balance sheet
Code20252026
Assets
Total assets20/58€13k€15k▲
Fixed assets21/28€248-
Financial fixed assets28€248-
Current assets29/58€13k€15k▲
Amounts receivable within one year40/41€5k€14k▲
Trade receivables40€3k€6k▲
Other amounts receivable41€2k€8k▲
Cash at bank and in hand54/58€7k€321▼
Deferred charges and accrued income490/1€686€696▲
Equity and liabilities
Total equity and liabilities10/49€13k€15k▲
Equity10/15€6k€4k▼
Contributions10/11€19k€19k=
Reserves13€47k€47k=
Non-distributable reserves130/1€6k-
Reserves not available under the articles1311€6k-
Distributable reserves133€41k€47k▲
Profit (loss) carried forward14€-60k€-61k▼
Amounts payable17/49€7k€11k▲
Amounts payable within one year42/48€7k€11k▲
Financial debts43-€2k
Credit institutions430/8-€2k
Trade debts44€3k€6k▲
Suppliers440/4€3k€6k▲
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€4k€3k▼
Income statement
Code20252026
Non-recurring operating income76A-€165
Other operating charges640/8€735€994▲
Gross operating margin9900€7k€444▼
Operating profit (loss)9901€7k€-550▼
Financial income75/76B€64€541▲
Recurring financial income75€64€541▲
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€5k€-1k▼
Income taxes67/77€116€117▲
Profit (loss) for the period9904€5k€-2k▼
Profit (loss) for the period to be appropriated9905€5k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-60k€-61k▼
Profit (loss) brought forward from the previous period14P€-65k€-60k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €7k | - | €165 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €3k | - | - | - | - |
| Other operating charges640/8 | €1k | €635 | €1k | €735 | €994 | ▲ 35.2% |
| Gross operating margin9900 | €9k | €-13k | €-18k | €7k | €444 | ▼ 94.0% |
| Operating profit (loss)9901 | €3k | €-16k | €-19k | €7k | €-550 | ▼ 108% |
| Financial income75/76B | €1 | €11 | €127 | €64 | €541 | ▲ 749% |
| Recurring financial income75 | €1 | €11 | €127 | €64 | €541 | ▲ 749% |
| Financial charges65/66B | €921 | €1k | €1k | €1k | €1k | ▲ 15.6% |
| Recurring financial charges65 | €921 | €1k | €1k | €1k | €1k | ▲ 15.6% |
| Profit (loss) for the period before taxes9903 | €2k | €-17k | €-20k | €5k | €-1k | ▼ 127% |
| Income taxes67/77 | €291 | €99 | €154 | €116 | €117 | ▲ 1.0% |
| Profit (loss) for the period9904 | €2k | €-17k | €-20k | €5k | €-2k | ▼ 130% |
| Profit (loss) for the period to be appropriated9905 | €2k | €-17k | €-20k | €5k | €-2k | ▼ 130% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €63k | €36k | €13k | €13k | €15k | ▲ 13.6% |
| Fixed assets21/28 | €3k | €248 | €248 | €248 | - | - |
| Tangible fixed assets22/27 | €3k | - | - | - | - | - |
| Furniture and vehicles24 | €3k | - | - | - | - | - |
| Financial fixed assets28 | €248 | €248 | €248 | €248 | - | - |
| Current assets29/58 | €61k | €35k | €13k | €13k | €15k | ▲ 15.8% |
| Amounts receivable within one year40/41 | €26k | €5k | €7k | €5k | €14k | ▲ 179% |
| Trade receivables40 | €26k | €5k | €7k | €3k | €6k | ▲ 96.4% |
| Other amounts receivable41 | - | - | - | €2k | €8k | ▲ 302% |
| Cash at bank and in hand54/58 | €34k | €30k | €5k | €7k | €321 | ▼ 95.5% |
| Deferred charges and accrued income490/1 | €277 | €288 | €2k | €686 | €696 | ▲ 1.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €63k | €36k | €13k | €13k | €15k | ▲ 13.6% |
| Equity10/15 | €38k | €21k | €476 | €6k | €4k | ▼ 27.8% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €47k | €47k | €47k | €47k | €47k | = |
| Non-distributable reserves130/1 | €6k | €6k | €6k | €6k | - | - |
| Reserves not available under the articles1311 | €6k | €6k | €6k | €6k | - | - |
| Distributable reserves133 | €41k | €41k | €41k | €41k | €47k | ▲ 15.2% |
| Profit (loss) carried forward14 | €-28k | €-45k | €-65k | €-60k | €-61k | ▼ 2.7% |
| Amounts payable17/49 | €26k | €15k | €13k | €7k | €11k | ▲ 46.3% |
| Amounts payable within one year42/48 | €26k | €15k | €13k | €7k | €11k | ▲ 46.3% |
| Financial debts43 | - | - | €537 | - | €2k | - |
| Credit institutions430/8 | - | - | €537 | - | €2k | - |
| Trade debts44 | €1k | €4k | €7k | €3k | €6k | ▲ 78.9% |
| Suppliers440/4 | €1k | €4k | €7k | €3k | €6k | ▲ 78.9% |
| Taxes, remuneration and social security45 | €3k | €1k | €588 | €4k | €3k | ▼ 22.5% |
| Taxes450/3 | €3k | €1k | €588 | €4k | €3k | ▼ 22.5% |
| Other amounts payable47/48 | €21k | €10k | €4k | - | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2k | €-17k | €-20k | €5k | €-2k | ▼ 130% |
| + Depreciation and write-downs630 | €4k | €3k | - | - | - | - |
| Operating cash flow (approximation) | €6k | €-15k | €-20k | €5k | €-2k | ▼ 130% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | - | - |
| Change in cash | - | €-4k | €-26k | €2k | €-7k | ▼ 384% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2027, expected by
2026
08-06
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
2024
19-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
31-03
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
11-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
29-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
24-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
6 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, Hove · 1 establishment unit since 1990
Ground area
687 m²
Building footprint
149 m²
Volume, LiDAR
831 m³
Parcel 11021A0192/00X000, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Weldadigheidsstraat 7, 2540 Hove
since 19902.049.618.611
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11021A0192/00X000 | Flanders | 687 m² | 1 · 149 m² | 7.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,467 EUR awarded · 1,467 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 660 EUR | 1,410 EUR |
| 2024 | 1 | 750 EUR | 0 EUR |
| 2023 | 1 | 0 EUR | 57 EUR |
| 2022 | 1 | 57 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 13,894 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded10-08-1990
Fiscal year end31-03
Activities, NACEBEL 2025
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.