CONSTAN&ZOON

Active

Private limited companyfounded 20169 yrs activeBloemsehoeve 87, 3200 Aarschot, BelgiumKBO/BCE: BE 0664.727.241

Summary

CONSTAN&ZOON has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €72,673 and a net result of €5,926. Equity is growing by ~16.9% per year across the filed fiscal years. Its solvency ranks better than 37% of 9439 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch Report Compare

CONSTAN&ZOONActiveChecked score 85/100

Risk analysis Report Compare

Activity

Office administrative and support services

NACE 82100NACE 82110

1 site

Size

€208,989total assets 2025

Equity: €72,673
Profit: €5,926

Financial health

85 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.3%

Structure

Accounts on time0 of 6 deeds read

Why 85- 1 of the last 3 late+ Sector Office administrative, office support and other business support activities (NACE 82)+ Size: total assets €208,989+ Liquidity: current ratio 1.58, cash €23,254Show the evidence

Checked score

Score 2025

85 / 100

Excellent

Probability in this band: under 0.55%

Better than 39% of its sector peers (NACE 82, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Average

Solvency 60-15

equity 34.8% of total assets

Liquidity 34+1

short-term debt 58.4% · cash 11.1%

Profitability 72-1

return on assets 2.8%

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 0.2% (12,603 companies)

Last 24 months 11-2024: 0.9% 12-2024: 1.0%▲ +20.7% vs 11-2024 01-2025: 1.9%▲ +81.4% vs 12-2024 02-2025: 2.0%▲ +7.9% vs 01-2025 03-2025: 2.4%▲ +17.6% vs 02-2025highest value 04-2025: 2.3%▼ -5.2% vs 03-2025 05-2025: 2.3%● 0.0% vs 04-2025 06-2025: 1.2%▼ -47.4% vs 05-2025 07-2025: 1.2%▲ +1.8% vs 06-2025 08-2025: 1.2%▼ -1.5% vs 07-2025 09-2025: 1.1%▼ -5.0% vs 08-2025 10-2025: 1.2%▲ +2.3% vs 09-2025 11-2025: 1.6%▲ +37.7% vs 10-2025 12-2025: 0.3%▼ -84.1% vs 11-2025 01-2026: 0.3%● 0.0% vs 12-2025 02-2026: 0.3%▼ -0.8% vs 01-2026 03-2026: 0.3%● 0.0% vs 02-2026 04-2026: 0.2%▼ -3.9% vs 03-2026 05-2026: 0.2%● 0.0% vs 04-2026 06-2026: 0.2%▼ -0.8% vs 05-2026lowest value 07-2026: 0.2%▲ +2.9% vs 06-2026 08-2026: 0.2%● 0.0% vs 07-2026 09-2026: 0.2%▼ -0.4% vs 08-2026 10-2026: 0.3%▲ +12.1% vs 09-2026

Sector Office administrative, office support and other business support activities (NACE 82) lowers the probability
Size: total assets €208,989 lowers the probability for this profile
1 of the last 3 late raises the probability
Liquidity: current ratio 1.58, cash €23,254 lowers the probability

Credit up to €6,000 at 30 days acceptable

Liquidity ample (current ratio 1.58 against 2.23 in 2024; short-term debt: 58.4% and cash: 11.1% of total assets), but 65.2% 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 82, micro). Better than this share of them on solvency 39%, liquidity 19%, profitability 42%, growth against the median 55%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. 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

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

−lowers risk+raises risk○neutral

Sector Office administrative, office support and other business support activities (NACE 82)

In the bankruptcy model this factor lowers the probability.

KBO

Size: total assets €208,989

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

NBB · annual accounts

1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Liquidity: current ratio 1.58, cash €23,254

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.

NBB · 8 filings

Deviation from the deadline

2025

on the day

2024

132 d late

2023

on the day

2022

3 d late

2021

19 d late

2020

61 d late

2019

34 d early

← before the deadline after the deadline →

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

This company filed its last 7 accounts on average 26 days after the deadline; the sector median for financial year 2024 is 7 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 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 3 November (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

31-03-2026 close04-10-2026 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