ELAB & ZONEN
ActiveThe computed 12-month bankruptcy probability of ELAB & ZONEN is 2.5% (moderate). The 2025 annual accounts show equity of €33k and a net result of €1k. Equity is shrinking by ~45.8% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 31% of 27450 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+70
Solvency55▲+2
Growth32=
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 0.99 in 2024; short-term debt: 66.2% and cash: 18.9% of total assets), and 70.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
1 d early
2024
236 d late
2023
583 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▲ 2.7%
2024 · €32k
2023: €64k
2024: €32k
2023 → 2025
Total assets
€112k▼ 2.3%
2024 · €114k
2023: €188k
2024: €114k
2023 → 2025
Net result
€1k
2024 · €-31k
2023: €97k
2024: €-31k
2023 → 2025
Working capital
€5k
2024 · €-496
2023: €35k
2024: €-496
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€64k-€32k▼ 49.2%€33k▲ 2.7%
Operating result€117k-€-30k€2k
Net result€97k-€-31k€1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €2k after a loss of €30k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €112k
Fixed assets
€33k▼ 27.1%
Current assets
€79k▲ 14.1%
Equity and liabilities €112k
Equity
€33k▲ 2.7%
Debt
€78k▼ 4.2%
The debt ratio falls from 71.6% to 70.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€17k▲
2024 · €-16k
Cash flow
€17k▲
2024 · €-17k
Solvency
29.8%▲
2024 · 28.4%
Current ratio
1.06▲
2024 · 0.99
Quick ratio
0.70▲
2024 · 0.39
Debt / equity
2.36▼
2024 · 2.53
ROE
3.3%▲
2024 · -96.8%
ROA
1.0%▲
2024 · -27.5%
Interest coverage
31.50▲
2024 · -13.71
Debt
€78k▼
2024 · €82k
Debt ≤ 1 year
€74k▲
2024 · €69k
Debt > 1 year
€4k▼
2024 · €12k
Income taxes
€125
Staff costs
€2k▼
2024 · €3k
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€114k€112k▼
Fixed assets21/28€46k€33k▼
Tangible fixed assets22/27€46k€33k▼
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24€44k€31k▼
Current assets29/58€69k€79k▲
Stocks and contracts in progress3€42k€26k▼
Stocks30/36€42k€26k▼
Amounts receivable within one year40/41€16k€28k▲
Trade receivables40€3k€15k▲
Other amounts receivable41€13k€13k▼
Cash at bank and in hand54/58€9k€21k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€114k€112k▼
Equity10/15€32k€33k▲
Profit (loss) carried forward14€32k€33k▲
Amounts payable17/49€82k€78k▼
Amounts payable after more than one year17€12k€4k▼
Financial debts170/4€12k€4k▼
Amounts payable within one year42/48€69k€74k▲
Current portion of amounts payable after more than one year42€10k€7k▼
Trade debts44€25k€20k▼
Suppliers440/4€25k€20k▼
Advances received on contracts in progress46€3k€142▼
Taxes, remuneration and social security45€538€4k▲
Taxes450/3€538€639▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€32k€43k▲
Accrued charges and deferred income492/3€855€348▼
Income statement
Code20242025
Remuneration, social security and pensions62€3k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€16k▲
Other operating charges640/8€1k€6k▲
Gross operating margin9900€-12k€25k▲
Operating profit (loss)9901€-30k€2k▲
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€1k€551▼
Recurring financial charges65€1k€551▼
Profit (loss) for the period before taxes9903€-31k€1k▲
Income taxes67/77-€125
Profit (loss) for the period9904€-31k€1k▲
Profit (loss) for the period to be appropriated9905€-31k€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€33k▲
Profit (loss) brought forward from the previous period14P€64k€32k▼
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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 236 days late
05-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 583 days late
30-06
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
2024
30-06
Financial
Weakest financial yearnet €-31k ▼132%
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Antwerpen · 1 establishment unit since 2022
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.
Blijde-Inkomststraat 502140 AntwerpenGround area
7,376 m²
Building footprint
1,501 m²
Volume, LiDAR
17,138 m³
2 parcels, Flanders · tallest building 16.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ELAB & ZONEN
since 20222.330.685.019
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46025B0179/09E000 | Flanders | 7,219 m² | 1 · 1,412 m² | 16.4 m · 4 fl. |
| 11006A0311/07C002 | Flanders | 156 m² | 1 · 88 m² | 10.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 191 EUR awarded · 191 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 191 EUR | 191 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 22,826 companies in sector 43211 we hold annual accounts for 10,326. 8,109 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-04-2022
Fiscal year end30-06
Activities, NACEBEL
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:oussama.elaboussi@gmail.com
Phone:+32483223502