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Complete company report
Generated 25-08-2026
Active BE 0427.498.103Public limited company

FIETSEN JAN ZAGERS

Bredabaan 861 ·2930 Brasschaat, Belgium· 41 yrs active
Sector: Detailhandel in fietsen (47632)
Conclusion Checked

The computed 12-month bankruptcy probability of FIETSEN JAN ZAGERS is 0.4% (very low). The 2025 annual accounts show equity of €915k and a net result of €-3k. Equity is growing by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 86% of 480 sector peers (fiscal year 2025). The company has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.
Key figures
Equity €915k
Net result €-3k
Staff (FTE) 4.9
Better than sector 86%
Financial profile 5 of 5 axes measured · computed by Checked
Health60Profitability0Solvency100Growth52Stability100
62 / 100

Strong profile, led by solvency.

All 5 axes are computed from data Checked has read.

Health 60
Profitability 0
Solvency 100
Growth 52
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.4% Very low
0%0,5%1,5%4%10%≥25%
Long track record −Higher-failure-rate sector +Lower-risk legal form −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1985, 41 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2025 · computed
60 / 100 Healthy
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 10-06-2026 with the NBB · fiscal year 2025 · verkort
€-100k€0€100k€200kOperating result 2021: €164k€164kNet result 2021: €118k€118kOperating result 2022: €203k€203kNet result 2022: €164k€164kOperating result 2023: €128k€128kNet result 2023: €102k€102kOperating result 2024: €26k€26kNet result 2024: €15k€15kOperating result 2025: €10k€10kNet result 2025: €-3k€-3k20212022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~8.9%/year over 8 fiscal years, indicative, assuming unchanged policy.
€250k€500k€750k€1.00M€1.25M€1.50M2026: €1.06M (€975k - €1.15M)2027: €1.13M (€994k - €1.27M)2028: €1.21M (€1.01M - €1.40M)2018: €492k2019: €502k2020: €629k2021: €747k2022: €852k2023: €903k2024: €918k2025: €915k20182019202020212022202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 69.5% 21.2%
better than 86% of 480 sector peers
Net result €-3k €32k
better than 26% of 478 sector peers
Equity €915k €163k
better than 90% of 480 sector peers
Gross operating margin €317k €281k
better than 54% of 480 sector peers
Staff costs €249k €211k
higher than 55% of 386 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€61k
-10.8% 18-25
Net profit
€-3k
- 18-25
Cash flow
€47k
-16.5% 18-25
Total assets
€1.32M
-6.0% 18-25
Equity
€915k
-0.4% 18-25
Working capital
€557k
-4.0% 18-25
Employees (FTE)
5
-14.0% 18-25
Staff costs
€249k
+4.7% 18-25
Show 11 other metrics
Income taxes
€543
-90.6% 18-25
Debt
€402k
-16.7% 18-25
Debt ≤ 1y
€350k
-14.3% 18-25
Debt > 1y
€52k
-28.5% 18-25
Current ratio
2.59
+7.1% 18-25
Quick ratio
0.55
-3.4% 18-25
Solvency
69.5%
+6.0% 18-25
Debt / equity
0.44
-16.4% 18-25
ROE
-0.4%
- 18-25
ROA
-0.3%
- 18-25
Interest coverage
4.91
-14.7% 18-25
Figures by fiscal year
Fiscal year2025
Depositverkort
Revenue-
EBITDA€61k
Net profit€-3k
Cash flow€47k
Staff costs€249k
Income taxes€543
Dividends-
Total assets€1.32M
Equity€915k
Debt€402k
of which ≤ 1y€350k
of which > 1y€52k
Working capital€557k
Employees (FTE)4.9
Ratios (computed)
2025
Current ratio2.59
Quick ratio0.55
Working capital ratio42.3%
Solvency69.5%
Debt / equity0.44
Long-term debt ratio0.06
Interest coverage4.91
Gross margin-
Net margin-
ROA-0.3%
ROE-0.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€1.32M
Fixed assets 21/28€410k
Tangible fixed assets 22/27€409k
Financial fixed assets 28€460
Current assets 29/58€907k
Stocks & contracts in progress 3€716k
Amounts receivable within one year 40/41€95k
Cash & bank 54/58€89k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€1.32M
Equity 10/15€915k
Contributions / capital 10/11€105k
Reserves 13€810k
Amounts payable 17/49€402k
Amounts payable after one year 17€52k
Amounts payable within one year 42/48€350k
Trade debts payable within one year 44€73k
Income statement
Gross operating margin 9900€317k
Operating result 9901€10k
Financial income 75€9k
Financial charges 65€12k
Result before taxes 9903€-3k
Income taxes 67/77€543
Net result for the period 9904€-3k
Result to be appropriated 9905€-3k
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 2 directors
Current directors & mandates
  • Struyf BVLegal entity
    Director· perm. rep.: Struyf BV
    State Gazette act 22046328 (11-04-2022)
    Current
    14-06-2022 → present
Permanent representatives (1)
These people represent a legal-person director (a management company, for instance). They hold no board mandate of their own and do not count as directors.
  • Luc Struyf
    Permanent representative
    State Gazette act 22046328 (11-04-2022)
    Permanent representative
    11-04-2022 → present
Former directors (1)
  • Luc Struyf
    Director
    State Gazette act 22046328 (11-04-2022)
    Former
    14-06-2022 → 21-06-2023
    2 events
    • 21-06-2023 Resigned· Director
    • 14-06-2022 Appointed· Director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Detailhandel in fietsen(47632)
Legal form Public limited company(014)
Incorporation28-06-1985
StatusActive
Postal code2930
Establishment units 1 location
Bredabaan 861, 2930 Brasschaat
kleinhandel in nieuwe of gebruikte motorrijwielen
since 19852.027.457.970
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11008H0250/00P000 Flanders 1,808 m² 1 · 823 m² -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 12 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
10-06-2026
NBB filing Annual accounts filed
fiscal year 2025 · verkort
2025
10-06-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2024
12-06-2024
NBB filing Annual accounts filed
fiscal year 2023 · verkort
2023
18-12-2023
State Gazette act Director changes
14-06-2023
NBB filing Annual accounts filed
fiscal year 2022 · verkort
2022
20-06-2022
NBB filing Annual accounts filed
fiscal year 2021 · verkort
11-04-2022
State Gazette act Director changes
2021
14-06-2021
NBB filing Annual accounts filed
fiscal year 2020 · verkort
2020
15-06-2020
NBB filing Annual accounts filed
fiscal year 2019 · verkort
2019
13-06-2019
NBB filing Annual accounts filed
fiscal year 2018 · verkort
2018
26-06-2018
NBB filing Annual accounts filed
fiscal year 2017 · verkort
2017
20-06-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
Belgian State Gazette reading coverage 0 of 6 acts read

We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 2 years ago
2023
18-12-2023 1 director appointed, 1 resigning Director changes
  • Luc Struyf, Commissaris
  • Luc Struyf, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "commissaris_in",
      "role": "commissaris",
      "person": {
        "rrn": null,
        "name": "Luc Struyf",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": false,
      "effective_date": "2023-06-21",
      "evidence_quote": "Bij beraadslaging dd. 21/06/2023 heeft de algemene vergadering over de volgende zaken vergaderd en als volgt beslist.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Luc Struyf",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": null,
      "effective_date": "2023-06-21",
      "evidence_quote": "Het bestuursorgaan beslist tot ontsiag van Luc Struyf als niet-statutair bestuurder met ingang op 21/06/2023. Er wordt kwijting verleend voor het uitgeoefend mandaat.",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Antwerpen",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": null,
    "filing_date": "2023-12-04",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2023-06-21",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0427.498.103",
    "name_full": "FIETSEN JAN ZAGERS",
    "legal_form": "NV"
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": null,
    "org_name": "BV Struyf",
    "person_name": null,
    "org_rep_person_name": "Luc Struyf",
    "person_role_at_subject": null
  },
  "co_filed_documents": [
    "Bijlagen bif het Betgisth Staatsblad"
  ],
  "corrected_publication_numac": null
}
2022
11-04-2022 3 directors appointed, 1 reappointed Director changes
  • Luc Struyf, Bestuurder
  • Struyf BV, Bestuurder
  • Luc Struyf, Vaste vertegenwoordiger
  • Luc Struyf, Gedelegeerd bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Luc Struyf",
        "address": "Eikendreef 29, 2990 Wuustwezel",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2022-06-14",
      "evidence_quote": "De gewone algemene vergadering beslist als nieuwe bestuurder te benoemen: Luc Struyf.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "until_date",
        "value": "2028-06-13"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Struyf BV",
        "address": "Eikendreef 29, 2990 Wuustwezel",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": {
        "kbo": "0471.542.734",
        "name": "Struyf BV",
        "address": "Eikendreef 29, 2990 Wuustwezel",
        "country": "BE",
        "legal_form": "BV"
      },
      "statutory": null,
      "compensated": false,
      "effective_date": "2022-06-14",
      "evidence_quote": "De vergadering beslist als nieuwe bestuurder te benoemen: Struyf BV, met maatschappelijke zetel te Eikendreef 29 te 2990 Wuustwezel.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_in",
      "role": "vaste_vertegenwoordiger",
      "person": {
        "rrn": null,
        "name": "Luc Struyf",
        "address": "Eikendreef 29, 2990 Wuustwezel",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Voor deze vennootschap zal Luc Struyf wonende te Eikendreef 29 te 2990 Wuustwezel optreden als vaste vertegenwoordiger in de zin van artikel 2:55 van het WWV.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_renew",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Luc Struyf",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": {
        "kbo": "0471.542.734",
        "name": "Struyf Bv",
        "address": null,
        "country": "BE",
        "legal_form": "BV"
      },
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Tevens beslist de raad van bestuur om de Bv Struyf (be 0471 542 734) met vaste vertegenwoordiger Luc Struyf, te herbenoemen als gedelegeerd bestuurder van de vennootschap en dit voor een periode van 6 jaar.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
        "value": "6"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": null,
    "filing_date": null,
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2022-04-28",
      "unanimous": null
    },
    {
      "body": "raad_van_bestuur",
      "date": "2022-04-28",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0427.498.103",
    "name_full": "Fietsen Jan Zagers",
    "legal_form": "NV"
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": "0471.542.734",
    "org_name": "Struyf Bv",
    "person_name": null,
    "org_rep_person_name": "Luc Struyf",
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Detailhandel in fietsen47632Detailhandel in overige sportartikelen47639Detailhandel in sport- en kampeerartikelen in gespecialiseerde winkels47640Detailhandel in fietsen in gespecialiseerde winkels47785Gespecialiseerde detailhandel in sport- en kampeerartikelen52482Gespecialiseerde detailhandel in rijwielen52492Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires (algemeen assortiment)47716Detailhandel in bovenkleding voor heren, dames en kinderen (algemeen assortiment)52421Overige reparaties, n.e.g.52740Reparatie en onderhoud van consumentenartikelen, neg95290
Primary activity highlighted.
Names & trade names
Legal nameNL FIETSEN JAN ZAGERS
Registered office
Bredabaan 861
2930 Brasschaat, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative