CAMPING ZORRO · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of CAMPING ZORRO is 2.8% (moderate). The 2023 annual accounts show equity of €84k and a net result of €79k. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 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.

How we compute the deadline

The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	31-08-2025	31 d late	2025-00458972
31-12-2023	31-07-2024	29-08-2024	29 d late	2024-00403811

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

2.8% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€79k

Working capital€410k

CSV export

Annual accounts & ratios

Source: NBB · 2023

Annual accounts filed on 31-08-2025 with the NBB · fiscal year 2024 · micro

Highlight YoY changes (±10%)

Fiscal year	2023
Deposit	micro
Revenue	-
EBITDA	€141k
Net profit	€79k
Cash flow	€102k
Staff costs	€277k
Income taxes	€38k
Dividends	-
Total assets	€579k
Equity	€84k
Debt	€496k
of which ≤ 1y	€99k
of which > 1y	€387k
Working capital	€410k
Employees (FTE)	3.5

Ratios (computed)

	2023
Current ratio	5.12
Quick ratio	2.68
Working capital ratio	70.7%
Solvency	14.4%
Debt / equity	5.93
Long-term debt ratio	4.63
Interest coverage	8.72
Gross margin	-
Net margin	-
ROA	13.6%
ROE	94.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2023

Assets

Fixed assets €71k · 12.2% Current assets €509k · 87.8%

Equity & liabilities

Equity €84k · 14.4% Debt €496k · 85.6%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2023
Balance sheet, Assets
TOTAL ASSETS	20/58	€579k
Fixed assets	21/28	€71k
Intangible fixed assets	21	€1
Tangible fixed assets	22/27	€71k
Current assets	29/58	€509k
Stocks & contracts in progress	3	€242k
Amounts receivable within one year	40/41	€75k
Investments	50/53	€187k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€579k
Equity	10/15	€84k
Reserves	13	€84k
Amounts payable	17/49	€496k
Amounts payable after one year	17	€387k
Amounts payable within one year	42/48	€99k
Trade debts payable within one year	44	€51k
Income statement
Gross operating margin	9900	€424k
Operating result	9901	€118k
Financial income	75	€15k
Financial charges	65	€16k
Result before taxes	9903	€116k
Income taxes	67/77	€38k
Net result for the period	9904	€79k
Result to be appropriated	9905	€79k

Ratios computed by Checked.

Health barometer

FY 2023 · computed

73 / 100 Healthy

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.

Directors

Directors & mandates

1 director

Former directors (1)

Michiels Luc
Director
State Gazette act 25125251 (03-10-2025)

Former
- → 03-10-2025

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	Detailhandel in overige sportartikelen(47639)
Legal form	Private limited company(610)
Incorporation	08-12-2022
Status	Active
Postal code	1910

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Leuvensesteenweg 1221910 Kampenhout

Establishment units

1 location

CAMPING ZORRO

Leuvensesteenweg 122, 1910 KampenhoutHandel in aanhangwagens, opleggers en caravans

since 20222.338.938.630

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area1,739 m²

Buildings1

Building footprint1,769 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23038A0221/00_000	Flanders	1,739 m²	1 · 1,769 m²	-

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts

All acts · 1 updated 10 months ago

2025

03-10-2025 Michiels Luc resigns as director Director changes

Michiels Luc, Bestuurder

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

74 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 73

Profitability 100

Solvency 43

Growth -

Stability 79

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