BALZAT

Active

Private limited companyfounded 20233 yrs activeLe Fief 28, 4877 Olne, BelgiumKBO/BCE: BE 0801.670.059

Summary

BALZAT has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €67,045 and a net result of €51,321. Equity is growing by ~200.3% per year across the filed fiscal years. Its solvency ranks better than 24% of 297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch Report Compare

BALZATActiveChecked score 85/100

Risk analysis Report Compare

Activity

Veterinary services

NACE 75000

1 site

Size

€420,471total assets 2025

Equity: €67,045
Profit: €51,321

Turnover not published (abridged schema)

Financial health

85 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.3%

Structure

Accounts filed 17 d late0 of 1 deed read

Why 85- Liquidity: current ratio 0.33, cash €2,979- Latest accounts 17 days late; 1 of the last 3 late+ Sector Veterinary activities (NACE 75)+ Size: total assets €420,471Show the evidence

Checked score

Score 2025

85 / 100

Excellent

Probability in this band: under 0.55%

Better than 43% of its sector peers (NACE 75, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Average

Solvency 41+12

equity 15.9% of total assets

Liquidity 37-8

short-term debt 33.0% · cash 0.7%

Profitability 84+38

return on assets 12.2%

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (1,934 companies)

Last 24 months 11-2024: 0.1%lowest value 12-2024: 0.1%▲ +9.4% vs 11-2024 01-2025: 0.1%▲ +1.7% vs 12-2024 02-2025: 0.1%● 0.0% vs 01-2025 03-2025: 0.1%▲ +13.6% vs 02-2025 04-2025: 0.1%▲ +11.9% vs 03-2025 05-2025: 0.1%▲ +9.3% vs 04-2025 06-2025: 0.1%▲ +20.7% vs 05-2025 07-2025: 0.1%▲ +19.2% vs 06-2025 08-2025: 0.3%▲ +130% vs 07-2025 09-2025: 0.3%● 0.0% vs 08-2025 10-2025: 0.3%● 0.0% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%▼ -0.7% vs 12-2025 02-2026: 0.3%● 0.0% vs 01-2026 03-2026: 0.3%▲ +5.2% vs 02-2026 04-2026: 0.3%▲ +4.6% vs 03-2026 05-2026: 0.3%▲ +1.7% vs 04-2026 06-2026: 0.3%▲ +3.0% vs 05-2026 07-2026: 0.3%▲ +9.7% vs 06-2026 08-2026: 0.6%▲ +62.9% vs 07-2026highest value 09-2026: 0.3%▼ -50.2% vs 08-2026 10-2026: 0.3%● 0.0% vs 09-2026

Sector Veterinary activities (NACE 75) lowers the probability
Liquidity: current ratio 0.33, cash €2,979 raises the probability
Size: total assets €420,471 lowers the probability for this profile
Latest accounts 17 days late; 1 of the last 3 late raises the probability

Credit up to €5,000 at 30 days acceptable

Liquidity short (current ratio 0.33 against 0.23 in 2024; short-term debt: 33% and cash: 0.7% of total assets), and 84.1% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 75, micro). Better than this share of them on solvency 19%, liquidity 11%, profitability 45%, growth against the median 98%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

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

−lowers risk+raises risk○neutral

Sector Veterinary activities (NACE 75)

In the bankruptcy model this factor lowers the probability.

KBO

Liquidity: current ratio 0.33, cash €2,979

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Size: total assets €420,471

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Latest accounts 17 days late; 1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 297 sector peers (2025).

NBB · sector comparison

Position among 297 sector peers

Solvency

better than 24%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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 filings

Deviation from the deadline

2025

17 d late

2024

31 d early

2023

61 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 16 days after the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 35% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 17 August (3 of the last 3 filed years within 48 days of that day).

Companies Code · seven months

Position in the running window

04-10-2026 today31-12-2026 close31-07-2027 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