DA ZICARI

Active

Private limited companyfounded 20197 yrs activeErnest Ourystraat 28B, 3320 Hoegaarden, BelgiumKBO/BCE: BE 0727.423.487

The computed 12-month bankruptcy probability of DA ZICARI is 1.8% (moderate). The 2025 annual accounts show equity of €44k and a net result of €-3k. Equity is shrinking by ~6% per year across the filed fiscal years. Its solvency ranks better than 25% of 18024 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

35 / 100

Weak▼ -36 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0▼-100

Solvency18▼-7

Growth32=

Stability100

Bankruptcy probability, 12 months

1.8% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €2k at 30 days only on tighter terms

Liquidity tight (current ratio 1.15 against 1.44 in 2024), and 95% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

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

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

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 2025

Solvency, return and age of the figures

Solvency

Return on assets

-0.3%

Age of the figures

8 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-06-2026, 56 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

56 d early

2024

52 d early

2023

45 d early

2022

37 d early

2021

47 d early

2020

31 d late

← before the deadline after the deadline →

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 months

Position in the running window

15-09-2026 today31-12-2026 close31-07-2027 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

Financials · fiscal year 2025, micro schema

Equity

€44k▼ 6.5%

2024 · €47k

2020: €56k 2021: €74k 2022: €75k 2023: €32k 2024: €47k

2020 → 2025

Total assets

€874k▼ 0.4%

2024 · €877k

2020: €146k 2021: €148k 2022: €791k 2023: €848k 2024: €877k

2020 → 2025

Net result

€-3k

2024 · €15k

2020: €36k 2021: €18k 2022: €836 2023: €-43k 2024: €15k

2020 → 2025

Working capital

€15k▼ 65.4%

2024 · €44k

2020: €70k 2021: €82k 2022: €256k 2023: €9k 2024: €44k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€74k-€75k▲ 1.1%€32k▼ 57.9%€47k▲ 48.5%€44k▼ 6.5%

Operating result€25k-€5k▼ 78.3%€-23k€42k€21k▼ 49.5%

Net result€18k-€836▼ 95.5%€-43k€15k€-3k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 49% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €874k

86.4%

13.6%

Fixed assets €755k▲ 3.1%

Current assets €118k▼ 18.1%

Equity and liabilities €874k

95.0%

Equity €44k▼ 6.5%

Debt €830k=

The debt ratio rises from 94.7% to 95.0%: equity shrinks.

Key figures and ratios

2025 value · change against 2024

EBITDA

€77k▼

2024 · €94k

Cash flow

€53k▼

2024 · €67k

Solvency

5.0%▼

2024 · 5.3%

Current ratio

1.15▼

2024 · 1.44

Quick ratio

0.47▼

2024 · 0.65

Debt / equity

18.96▲

2024 · 17.73

ROE

-7.0%▼

2024 · 32.7%

ROA

-0.3%▼

2024 · 1.7%

Interest coverage

3.15▼

2024 · 3.47

Debt

€830k=

2024 · €830k

Debt ≤ 1 year

€103k▲

2024 · €101k

Debt > 1 year

€727k▼

2024 · €729k

Income taxes

€167▲

2024 · €0

Staff costs

€75k▼

2024 · €78k

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€877k€874k▼

Fixed assets21/28€732k€755k▲

Tangible fixed assets22/27€732k€755k▲

Land and buildings22€685k€678k▼

Plant, machinery and equipment23€28k€21k▼

Furniture and vehicles24€18k€55k▲

Financial fixed assets28€500€500=

Current assets29/58€145k€118k▼

Stocks and contracts in progress3€79k€70k▼

Stocks30/36€79k€70k▼

Amounts receivable within one year40/41€5€3k▲

Trade receivables40€5€3k▲

Cash at bank and in hand54/58€64k€45k▼

Deferred charges and accrued income490/1€816-

Equity and liabilities

Total equity and liabilities10/49€877k€874k▼

Equity10/15€47k€44k▼

Contributions10/11€20k€20k=

Reserves13€27k€24k▼

Distributable reserves133€27k€24k▼

Amounts payable17/49€830k€830k=

Amounts payable after more than one year17€729k€727k▼

Financial debts170/4€560k€557k▼

Other amounts payable178/9€169k€169k=

Amounts payable within one year42/48€101k€103k▲

Current portion of amounts payable after more than one year42€38k€45k▲

Trade debts44€5k€6k▲

Suppliers440/4€5k€6k▲

Advances received on contracts in progress46-€3k

Taxes, remuneration and social security45€18k€15k▼

Taxes450/3€5k€10k▲

Remuneration and social security454/9€12k€6k▼

Other amounts payable47/48€40k€34k▼

Income statement Code20242025

Remuneration, social security and pensions62€78k€75k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€52k€56k▲

Other operating charges640/8€9k€10k▲

Non-recurring operating charges66A€3k-

Gross operating margin9900€184k€163k▼

Operating profit (loss)9901€42k€21k▼

Financial income75/76B€244€232▼

Recurring financial income75€244€232▼

Financial charges65/66B€27k€24k▼

Recurring financial charges65€27k€24k▼

Profit (loss) for the period before taxes9903€15k€-3k▼

Income taxes67/77€0€167▲

Profit (loss) for the period9904€15k€-3k▼

Profit (loss) for the period to be appropriated9905€15k€-3k▼

Appropriation of the result

Profit (loss) to be appropriated9906€27k€-3k▼

Profit (loss) brought forward from the previous period14P€12k-

Transfer from equity791/2-€3k

Transfer to equity691/2€27k-

To other reserves6921€27k-

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 8Financial 2Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

05-06

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

09-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Back to profitnet €15k

Net result €15k after one loss-making year.

16-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Weakest financial yearnet €-43k ▼5286%

Net result drops to €-43k, the lowest in the series; recovery starts the following year.

24-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

14-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

31-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 31 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, Hoegaarden · 1 establishment unit since 2019

establishment The establishment unit on the map

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.

Ernest Ourystraat 28B3320 Hoegaarden

Ground area

551 m²

Building footprint

266 m²

Volume, LiDAR

1,981 m³

Parcel 24041D0253/00D002, Flanders · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

DA ZICARI

Ernest Ourystraat 28B, 3320 HoegaardenAgents in the wholesale of food, beverages and tobacco

since 20192.289.513.071

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24041D0253/00D002	Flanders	551 m²	1 · 266 m²	11.4 m · 3 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

Food safety, FASFC

1 site

Hoegaarden2.289.513.071

2 permissions

Toelating · Detailhandel · since 31-01-2024

Toelating · Eetgelegenheid · since 31-01-2024

Similar companies · same sector, comparable size

Dendermonde · Eq €44k

Of 10,409 companies in sector 47110 we hold annual accounts for 5,787. 4,544 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded23-05-2019

Fiscal year end31-12

Activities, NACEBEL

47110Non-specialised retail sale with food, beverages or tobacco predominating

47112Retail trade

47120Other non-specialised retail sale

47251Retail sale of wines and spirits

47279Other retail sale of food

47299Retail trade

47910Retail trade

85599Other education

Sources

Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.