ZorgVrij
ActiveSummary
ZorgVrij has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €87k and a net result of €14k. Equity is growing by ~19.7% per year across the filed fiscal years. Its solvency ranks better than 50% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability51▲+2
Solvency59▲+10
Growth52=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.53 against 1.32 in 2024; short-term debt: 65.6% and cash: 0.7% of total assets), but 65.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
34.4%
Return on assets
5.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
1 d early
2023
30 d late
2022
32 d late
2021
5 d early
2020
31 d late
2019
70 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
€87k▲ 19.3%
2024 · €73k
2019: €29k
2020: €38k
2021: €43k
2022: €49k
2023: €60k
2024: €73k
2019 → 2025
Total assets
€253k▼ 15.6%
2024 · €300k
2019: €50k
2020: €89k
2021: €124k
2022: €147k
2023: €237k
2024: €300k
2019 → 2025
Net result
€14k▲ 5.4%
2024 · €13k
2019: €16k
2020: €9k
2021: €5k
2022: €6k
2023: €11k
2024: €13k
2019 → 2025
Working capital
€87k▲ 19.3%
2024 · €73k
2019: €29k
2020: €38k
2021: €43k
2022: €49k
2023: €60k
2024: €73k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43k-€49k▲ 14.6%€60k▲ 22.1%€73k▲ 22.4%€87k▲ 19.3%
Operating result€5k-€7k▲ 37.5%€12k▲ 78.4%€10k▼ 18.4%€18k▲ 75.9%
Net result€5k-€6k▲ 31.0%€11k▲ 73.5%€13k▲ 23.3%€14k▲ 5.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 76% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €253k
Equity
€87k ▲ 19.3%
Debt
€166k ▼ 26.9%
Debt's share of the balance-sheet total falls from 75.6% to 65.6%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
1.53▲
2024 · 1.32
Quick ratio
1.25▲
2024 · 1.10
Debt to equity
1.90▼
2024 · 3.10
ROE
16.1%▼
2024 · 18.3%
ROA
5.6%▲
2024 · 4.5%
Debt ≤ 1 year
€166k▼
2024 · €227k
Income taxes
€5k▲
2024 · €4k
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€300k€253k▼
Current assets29/58€300k€253k▼
Amounts receivable after more than one year29€50k€50k=
Other amounts receivable291€50k€50k=
Stocks and contracts in progress3€51k€45k▼
Stocks30/36€51k€45k▼
Amounts receivable within one year40/41€198k€145k▼
Trade receivables40€4k€938▼
Other amounts receivable41€194k€144k▼
Cash at bank and in hand54/58€338€2k▲
Deferred charges and accrued income490/1-€12k
Equity and liabilities
Total equity and liabilities10/49€300k€253k▼
Equity10/15€73k€87k▲
Contributions10/11€12k€12k=
Profit (loss) carried forward14€61k€75k▲
Amounts payable17/49€227k€166k▼
Amounts payable within one year42/48€227k€166k▼
Current portion of amounts payable after more than one year42€7k€0▼
Trade debts44€182k€116k▼
Suppliers440/4€182k€116k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€21k€36k▲
Taxes450/3€21k€36k▲
Other amounts payable47/48€17k€13k▼
Income statement
Code20242025
Other operating charges640/8€0€1k▲
Gross operating margin9900€10k€19k▲
Operating profit (loss)9901€10k€18k▲
Financial income75/76B€8k€4k▼
Recurring financial income75€8k€4k▼
Financial charges65/66B€302€3k▲
Recurring financial charges65€302€3k▲
Profit (loss) for the period before taxes9903€18k€19k▲
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€13k€14k▲
Profit (loss) for the period to be appropriated9905€13k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€61k€75k▲
Profit (loss) brought forward from the previous period14P€47k€61k▲
The notes to these accounts (12 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €5k ▼48.7%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 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, Ravels · 1 establishment unit since 2018
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.
Burgemeester Biemansstraat 152382 RavelsGround area
1,026 m²
Building footprint
187 m²
Volume, LiDAR
978 m³
Parcel 13033D0077/00H000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Burgemeester Biemansstraat 15, 2382 Ravels
since 20182.280.316.580
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13033D0077/00H000 | Flanders | 1,026 m² | 1 · 187 m² | 8.2 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
ProCare België
BE 0691.574.960
Leuven · Eq €86,834
TIMMERMAN S & J
BE 0699.514.411
Knokke-Heist · Eq €86,588
CARDON BIO
BE 0782.633.810
Gent · Eq €88,397
PROXYMED MEDICAL CONSULTING SOLUTION
BE 0700.238.941
Sint-Jans-Molenbeek · Eq €85,728
Orthomonte
BE 0784.485.619
Tielt · Eq €85,226
Of 1,070 companies in sector 47741 we hold annual accounts for 644. 476 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 (pre-2019)
Founded03-10-2018
Fiscal year end31-12
Activities, NACEBEL 2025
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
46493Wholesale trade
47519Retail trade
47715Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47721Retail sale of footwear
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.