CSZBIO
ActiveSummary
CSZBIO has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €239k and a net result of €71k. Equity is growing by ~52.8% per year across the filed fiscal years. Its solvency ranks better than 90% of 37953 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 9.27 against 7.0 in 2023; short-term debt: 8.3% and cash: 45.8% of total assets), and 8.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
91.7%
Return on assets
27.4%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
34 d early
2023
33 d early
2022
35 d early
2021
40 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€239k▲ 42.6%
2023 · €168k
2021: €29klowest in 4 years
2022: €98k▲ +233% vs 2021
2023: €168k▲ +71.9% vs 2022
2024: €239k▲ +42.6% vs 2023highest in 4 years
2021 → 2024
Total assets
€261k▲ 43.3%
2023 · €182k
2021: €43klowest in 4 years
2022: €151k▲ +251% vs 2021
2023: €182k▲ +20.4% vs 2022
2024: €261k▲ +43.3% vs 2023highest in 4 years
2021 → 2024
Net result
€71k▲ 1.8%
2023 · €70k
2021: €26klowest in 4 years
2022: €68k▲ +160% vs 2021
2023: €70k▲ +2.7% vs 2022
2024: €71k▲ +1.8% vs 2023highest in 4 years
2021 → 2024
Working capital
€178k▲ 108%
2023 · €86k
2021: €26k
2022: €-7k▼ -125% vs 2021lowest in 4 years
2023: €86k▲ +1395% vs 2022
2024: €178k▲ +108% vs 2023highest in 4 years
2021 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€29k-€98k▲ 233%€168k▲ 71.9%€239k▲ 42.6%
2021: €29klowest in 4 years
2022: €98k▲ +233% vs 2021
2023: €168k▲ +71.9% vs 2022
2024: €239k▲ +42.6% vs 2023highest in 4 years
Operating result€37k-€96k▲ 158%€98k▲ 2.2%€99k▲ 1.0%
2021: €37klowest in 4 years
2022: €96k▲ +158% vs 2021
2023: €98k▲ +2.2% vs 2022
2024: €99k▲ +1.0% vs 2023highest in 4 years
Net result€26k-€68k▲ 160%€70k▲ 2.7%€71k▲ 1.8%
2021: €26klowest in 4 years
2022: €68k▲ +160% vs 2021
2023: €70k▲ +2.7% vs 2022
2024: €71k▲ +1.8% vs 2023highest in 4 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2024 is 1% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €261k
Fixed assets
€61k ▼ 25.9%
Current assets
€200k ▲ 100%
Equity and liabilities €261k
Equity
€239k ▲ 42.6%
Debt
€22k ▲ 51.5%
Debt's share of the balance-sheet total rises from 7.8% to 8.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€124k▼
2023 · €124k
Cash flow
€96k▲
2023 · €96k
Current ratio
9.27▲
2023 · 7.00
Debt to equity
0.09▲
2023 · 0.09
ROE
29.9%▼
2023 · 41.8%
ROA
27.4%▼
2023 · 38.5%
Interest coverage
619.32▼
2023 · 1646.73
Debt ≤ 1 year
€22k▲
2023 · €14k
Income taxes
€28k▼
2023 · €28k
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 · 2024 against 2023 · 43 lines
Balance sheet
Code20232024
Assets
Total assets20/58€182k€261k▲
Fixed assets21/28€82k€61k▼
Tangible fixed assets22/27€82k€61k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€78k€58k▼
Other tangible fixed assets26€1k€1k▼
Current assets29/58€100k€200k▲
Amounts receivable within one year40/41€18k€18k▲
Trade receivables40€18k€18k▲
Current investments50/53-€60k
Cash at bank and in hand54/58€80k€119k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€182k€261k▲
Equity10/15€168k€239k▲
Contributions10/11€3k€3k=
Reserves13€165k€236k▲
Distributable reserves133€165k€236k▲
Amounts payable17/49€14k€22k▲
Amounts payable within one year42/48€14k€22k▲
Financial debts43€231€396▲
Other loans439€231€396▲
Trade debts44€223€5k▲
Suppliers440/4€223€5k▲
Taxes, remuneration and social security45€12k€12k▲
Taxes450/3€12k€12k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€2k€4k▲
Accrued charges and deferred income492/3-€48
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€25k▼
Other operating charges640/8€465€531▲
Gross operating margin9900€124k€124k▼
Operating profit (loss)9901€98k€99k▲
Financial income75/76B€18€395▲
Recurring financial income75€18€395▲
Financial charges65/66B€75€200▲
Recurring financial charges65€75€200▲
Profit (loss) for the period before taxes9903€98k€99k▲
Income taxes67/77€28k€28k▼
Profit (loss) for the period9904€70k€71k▲
Profit (loss) for the period to be appropriated9905€70k€71k▲
Appropriation of the result
Profit (loss) to be appropriated9906€70k€71k▲
Transfer to equity691/2€70k€71k▲
To other reserves6921€70k€71k▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €412 | €14k | €26k | €25k | ▼ 4.4% |
| Other operating charges640/8 | €589 | €423 | €465 | €531 | ▲ 14.2% |
| Gross operating margin9900 | €38k | €111k | €124k | €124k | ▼ 0.1% |
| Operating profit (loss)9901 | €37k | €96k | €98k | €99k | ▲ 1.0% |
| Financial income75/76B | - | €260 | €18 | €395 | ▲ 2,100% |
| Recurring financial income75 | - | €260 | €18 | €395 | ▲ 2,100% |
| Financial charges65/66B | €68 | €146 | €75 | €200 | ▲ 166% |
| Recurring financial charges65 | €68 | €146 | €75 | €200 | ▲ 166% |
| Profit (loss) for the period before taxes9903 | €37k | €96k | €98k | €99k | ▲ 1.2% |
| Income taxes67/77 | €11k | €28k | €28k | €28k | ▼ 0.2% |
| Profit (loss) for the period9904 | €26k | €68k | €70k | €71k | ▲ 1.8% |
| Profit (loss) for the period to be appropriated9905 | €26k | €68k | €70k | €71k | ▲ 1.8% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €43k | €151k | €182k | €261k | ▲ 43.3% |
| Fixed assets21/28 | €3k | €104k | €82k | €61k | ▼ 25.9% |
| Tangible fixed assets22/27 | €3k | €104k | €82k | €61k | ▼ 25.9% |
| Plant, machinery and equipment23 | €3k | €4k | €3k | €2k | ▼ 35.3% |
| Furniture and vehicles24 | €525 | €100k | €78k | €58k | ▼ 25.7% |
| Other tangible fixed assets26 | - | - | €1k | €1k | ▼ 23.0% |
| Current assets29/58 | €40k | €47k | €100k | €200k | ▲ 100% |
| Amounts receivable within one year40/41 | €11k | €16k | €18k | €18k | ▲ 0.5% |
| Trade receivables40 | €11k | €16k | €18k | €18k | ▲ 0.5% |
| Current investments50/53 | - | - | - | €60k | - |
| Cash at bank and in hand54/58 | €27k | €30k | €80k | €119k | ▲ 49.2% |
| Deferred charges and accrued income490/1 | €2k | €1k | €2k | €2k | ▲ 32.3% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €43k | €151k | €182k | €261k | ▲ 43.3% |
| Equity10/15 | €29k | €98k | €168k | €239k | ▲ 42.6% |
| Contributions10/11 | €3k | €3k | €3k | €3k | = |
| Reserves13 | €26k | €95k | €165k | €236k | ▲ 43.4% |
| Distributable reserves133 | €26k | €95k | €165k | €236k | ▲ 43.4% |
| Amounts payable17/49 | €14k | €54k | €14k | €22k | ▲ 51.5% |
| Amounts payable within one year42/48 | €14k | €54k | €14k | €22k | ▲ 51.2% |
| Financial debts43 | €3k | €379 | €231 | €396 | ▲ 71.4% |
| Other loans439 | €3k | €379 | €231 | €396 | ▲ 71.4% |
| Trade debts44 | €2k | €1k | €223 | €5k | ▲ 2,358% |
| Suppliers440/4 | €2k | €1k | €223 | €5k | ▲ 2,358% |
| Taxes, remuneration and social security45 | €7k | €12k | €12k | €12k | ▲ 1.1% |
| Taxes450/3 | €5k | €10k | €12k | €12k | ▲ 1.1% |
| Remuneration and social security454/9 | €2k | €2k | €0 | - | - |
| Other amounts payable47/48 | €2k | €40k | €2k | €4k | ▲ 78.6% |
| Accrued charges and deferred income492/3 | - | - | - | €48 | - |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €26k | €68k | €70k | €71k | ▲ 1.8% |
| + Depreciation and write-downs630 | €412 | €14k | €26k | €25k | ▼ 4.4% |
| Operating cash flow (approximation) | €27k | €83k | €96k | €96k | ▲ 0.1% |
| Investment in fixed assets (approximation) | - | €-115k | €-4k | €-3k | ▲ 6.1% |
| Change in cash | - | €2k | €50k | €39k | ▼ 21.5% |
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
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €71k ▲1.8%
Operating result €99k, net result €71k, both a record.
31-12
Financial
Equity above €200kEq €239k ▲42.6%
4 profitable years in a row build equity to €239k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 8current ratio 7.00
Current ratio from 0.88 to 7.00; short-term debt falls from €54k to €14k.
31-12
Financial
Equity above €150kEq €168k ▲71.9%
3 profitable years in a row build equity to €168k.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
1 act for this company is 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, Fleurus · 1 establishment unit since 2021
Ground area
1,404 m²
Building footprint
93 m²
Volume, LiDAR
727 m³
Parcel 52071B0053/00K000, Wallonia · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CSZBIO
since 20212.316.049.402
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52071B0053/00K000 | Wallonia | 1,404 m² | 1 · 93 m² | 9.9 m · 3 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.
Similar companies · same sector, comparable size
E.M.L.ALLARD
BE 0831.673.050
Niel · Eq €239,018
BAMARIKA
BE 0833.414.595
Herk-de-Stad · Eq €239,022
TOCCARO
BE 0822.928.796
Zwevegem · Eq €239,048
LESAN
BE 0894.054.839
Gent · Eq €238,959
Kenn Wouters
BE 0726.980.653
Sint-Niklaas · Eq €239,079
Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 39,111 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
Founded16-04-2021
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.