D.Z.M.
ActiveSummary
The annual accounts of D.Z.M. for fiscal year 2025 show a net loss of 97% of the equity at the start of that year. The 2025 annual accounts show equity of €193 and a net result of €-6k. Equity is shrinking by ~26.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 10% of 31694 sector peers (fiscal year 2025). The company has been active since 1976 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44▲+9
Solvency25▼-4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.11 against 0.18 in 2024; short-term debt: 13.1% and cash: 1.1% of total assets), and 99.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
Sector 70
lower
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
0.1%
Return on assets
-3.9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-6k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
81 d late
2023
20 d late
2022
73 d late
2021
31 d late
2020
31 d late
2019
67 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€193▼ 97.0%
2024 · €7k
2018: €-47k
2019: €50k
2020: €40k
2021: €38k
2022: €23k
2023: €15k
2024: €7k
2018 → 2025
Total assets
€162k▼ 10.6%
2024 · €181k
2018: €30k
2019: €73k
2020: €278k
2021: €269k
2022: €241k
2023: €219k
2024: €181k
2018 → 2025
Net result
€-6k▲ 24.2%
2024 · €-8k
2018: €14k
2019: €-3k
2020: €-10k
2021: €-2k
2022: €-15k
2023: €-8k
2024: €-8k
2018 → 2025
Working capital
€-19k▼ 8.6%
2024 · €-17k
2018: €-47k
2019: €50k
2020: €207
2021: €3k
2022: €-10k
2023: €-13k
2024: €-17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€38k-€23k▼ 40.5%€15k▼ 34.2%€7k▼ 56.1%€193▼ 97.0%
Operating result€3k-€-2k€-2k▼ 14.6%€-2k▼ 31.3%€-2k▲ 24.8%
Net result€-2k-€-15k▼ 604%€-8k▲ 49.7%€-8k▼ 8.0%€-6k▲ 24.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €2k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €162k
Fixed assets
€159k ▼ 10.1%
Current assets
€2k ▼ 36.4%
Equity and liabilities €162k
Equity
€193 ▼ 97.0%
Debt
€161k ▼ 7.4%
Debt's share of the balance-sheet total rises from 96.4% to 99.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€16k▲
2024 · €15k
Cash flow
€12k▲
2024 · €10k
Current ratio
0.11▼
2024 · 0.18
ROA
-3.9%▲
2024 · -4.6%
Interest coverage
3.56▲
2024 · 2.61
Debt ≤ 1 year
€21k▲
2024 · €21k
Debt > 1 year
€139k▼
2024 · €153k
Equity ratios withheld: equity of €193 is too small for a meaningful ratio.
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 · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€181k€162k▼
Fixed assets21/28€177k€159k▼
Tangible fixed assets22/27€177k€159k▼
Land and buildings22€176k€159k▼
Furniture and vehicles24€1k€622▼
Current assets29/58€4k€2k▼
Amounts receivable within one year40/41€1k€575▼
Trade receivables40€1k€575▼
Cash at bank and in hand54/58€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€181k€162k▼
Equity10/15€7k€193▼
Contributions10/11€109k€109k=
Reserves13€823€823=
Distributable reserves133€823€823=
Profit (loss) carried forward14€-103k€-109k▼
Amounts payable17/49€174k€161k▼
Amounts payable after more than one year17€153k€139k▼
Financial debts170/4€153k€139k▼
Amounts payable within one year42/48€21k€21k▲
Current portion of amounts payable after more than one year42€14k€14k▲
Financial debts43-€62
Credit institutions430/8-€62
Trade debts44€920€13▼
Suppliers440/4€920€13▼
Other amounts payable47/48€6k€7k▲
Accrued charges and deferred income492/3-€925
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€18k=
Other operating charges640/8€1k€1k▲
Gross operating margin9900€17k€17k▲
Operating profit (loss)9901€-2k€-2k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€6k€4k▼
Recurring financial charges65€6k€4k▼
Profit (loss) for the period before taxes9903€-8k€-6k▲
Profit (loss) for the period9904€-8k€-6k▲
Profit (loss) for the period to be appropriated9905€-8k€-6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-103k€-109k▼
Profit (loss) brought forward from the previous period14P€-95k€-103k▼
The notes to these accounts (5 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 81 days late
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
12-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 73 days late
2022
31-12
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 67 days late
2019
31-12
Financial
Liquidity times 8current ratio 3.22
Current ratio from 0.39 to 3.22; short-term debt falls from €77k to €23k.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Herentals · 1 establishment unit since 2015
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.
Schommestraat(MRH) 42200 HerentalsGround area
550 m²
Building footprint
131 m²
Volume, LiDAR
677 m³
Parcel 13026A0308/00N005, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
D.Z.M.
since 20152.267.253.947
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13026A0308/00N005 | Flanders | 550 m² | 1 · 131 m² | 9.8 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.
Recognitions · licences · registrations
Legal Entity Identifier
8755001VELBE3E47OW55
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 1,090 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-01-1976
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
46869Wholesale trade
47512Retail sale of household textiles and bedding
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.