D.Z. GROUP
ActiveD.Z. GROUP has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.58M and a net result of €140k. Equity is growing by ~16.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 7955 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▼-4
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity ample (current ratio 55.1 against 50.04 in 2024; short-term debt: 1.8% and cash: 42.7% of total assets), and 1.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
98.2%
Return on assets
8.7%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
2023
13 d late
2022
42 d early
2021
45 d early
2020
2 d late
2019
3 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€140k▼ 5.0%
2024 · €147k
2018: €53k
2019: €123k
2020: €191k
2021: €353k
2022: €273k
2023: €48k
2024: €147k
2018 → 2025
Working capital
€1.58M▲ 9.7%
2024 · €1.44M
2018: €346k
2019: €469k
2020: €660k
2021: €974k
2022: €1.25M
2023: €1.29M
2024: €1.44M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€974k-€1.25M▲ 28.0%€1.29M▲ 3.8%€1.44M▲ 11.4%€1.58M▲ 9.7%
Operating result€448k-€358k▼ 20.0%€60k▼ 83.3%€194k▲ 224%€206k▲ 6.3%
Net result€353k-€273k▼ 22.8%€48k▼ 82.5%€147k▲ 209%€140k▼ 5.0%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 6% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.61M
Fixed assets
€25=
Current assets
€1.61M▲ 9.5%
Equity and liabilities €1.61M
Equity
€1.58M▲ 9.7%
Debt
€29k▼ 0.2%
The debt ratio falls from 2.0% to 1.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
98.2%▲
2024 · 98.0%
Current ratio
55.10▲
2024 · 50.04
Quick ratio
37.45▲
2024 · 36.26
Debt / equity
0.02▼
2024 · 0.02
ROE
8.8%▼
2024 · 10.2%
ROA
8.7%▼
2024 · 10.0%
Debt
€29k▼
2024 · €29k
Debt ≤ 1 year
€29k▼
2024 · €29k
Income taxes
€60k▲
2024 · €49k
Staff costs
€45k▲
2024 · €42k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.47M€1.61M▲
Fixed assets21/28€25€25=
Tangible fixed assets22/27€0-
Plant, machinery and equipment23€0-
Financial fixed assets28€25€25=
Current assets29/58€1.47M€1.61M▲
Stocks and contracts in progress3€405k€516k▲
Stocks30/36€405k€516k▲
Amounts receivable within one year40/41€430k€406k▼
Trade receivables40€306k€270k▼
Other amounts receivable41€124k€136k▲
Cash at bank and in hand54/58€635k€688k▲
Deferred charges and accrued income490/1€527€523▼
Equity and liabilities
Total equity and liabilities10/49€1.47M€1.61M▲
Equity10/15€1.44M€1.58M▲
Contributions10/11€13k€13k=
Reserves13€2k€2k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€1.43M€1.57M▲
Amounts payable17/49€29k€29k▼
Amounts payable within one year42/48€29k€29k▼
Trade debts44€3k€7k▲
Suppliers440/4€3k€7k▲
Taxes, remuneration and social security45€26k€22k▼
Taxes450/3€20k€11k▼
Remuneration and social security454/9€6k€11k▲
Accrued charges and deferred income492/3-€111
Income statement
Code20242025
Remuneration, social security and pensions62€42k€45k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€10k
Other operating charges640/8€75€1k▲
Gross operating margin9900€236k€262k▲
Operating profit (loss)9901€194k€206k▲
Financial income75/76B€4k€10k▲
Recurring financial income75€4k€10k▲
Financial charges65/66B€981€16k▲
Recurring financial charges65€981€16k▲
Profit (loss) for the period before taxes9903€196k€200k▲
Income taxes67/77€49k€60k▲
Profit (loss) for the period9904€147k€140k▼
Profit (loss) for the period to be appropriated9905€147k€140k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.43M€1.57M▲
Profit (loss) brought forward from the previous period14P€1.28M€1.43M▲
Social balance
Average headcount (FTE)90870.60.6=
The notes to these accounts (4 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
31-12
Financial
Weakest financial yearnet €48k ▼82.5%
Net result drops to €48k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 36.35
Current ratio from 13.17 to 36.35; short-term debt falls from €102k to €37k.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €1MEq €1.25M ▲28%
5 profitable years in a row build equity to €1.25M.
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €353k ▲84.5%
Operating result €448k, net result €353k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 11.14
Current ratio from 5.53 to 11.14; short-term debt falls from €146k to €96k.
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 2 days late
2020
31-12
Financial
Equity above €500kEq €660k ▲40.8%
3 profitable years in a row build equity to €660k.
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 3 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 21 days late
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
14-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 14 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, Colfontaine · 1 establishment unit since 2014
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.
Rue des Vanneaux 97340 ColfontaineGround area
2,846 m²
Building footprint
495 m²
Volume, LiDAR
3,045 m³
Parcel 53079A0562/00D002, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
D.Z. GROUP
since 20142.227.326.668
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53079A0562/00D002 | Wallonia | 2,846 m² | 1 · 495 m² | 7.7 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.
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Of 537 companies in sector 46120 we hold annual accounts for 303. 163 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-02-2014
Fiscal year end31-12
Activities, NACEBEL
46120Wholesale trade
74112Other professional, scientific and technical activities
28910Manufacture of machinery and equipment not elsewhere classified
28930Manufacture of machinery and equipment not elsewhere classified
46150Agents in the wholesale of furniture, household goods and hardware
46620Wholesale of machine tools
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@dzgroup.be