DZAMBO HOME

Active

Private limited companyfounded 20242 yrs activeUitvangstraat 10, 9032 Gent, BelgiumKBO/BCE: BE 1010.081.091

Summary

DZAMBO HOME has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33,922 and a net result of €10,976. Its solvency ranks better than 57% of 33831 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch Report Compare

DZAMBO HOMEActiveChecked score 88/100

Risk analysis Report Compare

Activity

Painting of buildings

NACE 43341

1 site

Size

€63,284total assets 2025

Equity: €33,922
Profit: €10,976

Turnover not published (abridged schema)

Financial health

88 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.3%

Structure

Accounts 38 d early0 of 1 deed read

Why 88- Founded in 2024- Sector Specialised construction activities (NACE 43)+ Liquidity: current ratio 1.82, cash €41,270+ Equity €33,922 (53.6% of total assets)Show the evidence

Checked score

Score 2025

88 / 100

Excellent

Probability in this band: under 0.55%

Better than 73% of its sector peers (NACE 43, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 79+8

equity 53.6% of total assets

Liquidity 77=

short-term debt 46.4% · cash 65.2%

Profitability 90-10

return on assets 17.3%

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 0.7% (47,514 companies)

Last 24 months 07-2025: 1.9% 08-2025: 1.9%▲ +2.7% vs 07-2025highest value 09-2025: 0.7%▼ -61.5% vs 08-2025 10-2025: 0.8%▲ +1.2% vs 09-2025 11-2025: 0.8%▲ +4.5% vs 10-2025 12-2025: 0.8%● 0.0% vs 11-2025 01-2026: 0.8%▲ +5.6% vs 12-2025 02-2026: 0.8%▲ +1.3% vs 01-2026 03-2026: 0.9%▲ +2.0% vs 02-2026 04-2026: 0.9%▲ +4.1% vs 03-2026 05-2026: 0.9%▲ +0.1% vs 04-2026 06-2026: 0.9%▲ +4.1% vs 05-2026 07-2026: 0.3%▼ -67.1% vs 06-2026lowest value 08-2026: 0.3%● 0.0% vs 07-2026lowest value 09-2026: 0.3%● 0.0% vs 08-2026lowest value 10-2026: 0.3%● 0.0% vs 09-2026lowest value

Liquidity: current ratio 1.82, cash €41,270 lowers the probability
Founded in 2024 raises the probability for this profile
Equity €33,922 (53.6% of total assets) lowers the probability
Sector Specialised construction activities (NACE 43) raises the probability

Credit up to €2,500 at 30 days acceptable

Liquidity ample (current ratio 1.82 against 1.66 in 2024; short-term debt: 46.4% and cash: 65.2% of total assets), and 46.4% 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 43, micro). Better than this share of them on solvency 58%, liquidity 75%, profitability 77%, growth against the median 82%. 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

Liquidity: current ratio 1.82, cash €41,270

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Founded in 2024

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

KBO

Equity €33,922 (53.6% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Sector Specialised construction activities (NACE 43)

In the bankruptcy model this factor raises the probability.

KBO

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-06-2026, 38 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

38 d early

2024

29 d late

← before the deadline after the deadline →

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

This company filed its last 2 accounts on average 5 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (2)

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

05-10-2026 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