HET ZANDKASTEEL

Active

Private limited companyfounded 2012active for 14 yearsLeuvensesteenweg 373, 2800 Mechelen, BelgiumKBO/BCE: BE 0844.079.053

Summary

HET ZANDKASTEEL has been active since 2012 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €422,644 and a net result of €82,542. Equity is growing by about 13% per year across the filed financial years. Its solvency ranks better than 87% of 699 sector peers (NACE 88, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow Report Compare

HET ZANDKASTEELActiveChecked score 97/100

Risk analysis Report Compare

Activity

Day nurseries and crèches

NACE 88911

1 site

Size

≈ €440,000turnover 2025, estimated

Staff: 6.8 FTE
Equity: €422,644
Profit: €82,542

Turnover estimated from the gross margin

Financial health

97 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: < 0.1%

Structure

Arbaji FatimaDirector

2025 accounts 37 days early1 of 2 deeds summarised

Why 97lowers riskLiquidity: current ratio 4.11, cash €486,896Size: total assets €548,140Sector: Social work activities without accommodation (NACE 88)Equity €422,644 (77.1% of total assets)Show the evidence

Checked score

Score 2025

97 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 75% of its sector peers (NACE 88, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 77.1% of total assets

Liquidity 92=

short-term debt 22.9% · cash 88.8%

Profitability 88-4

return on assets 15.1%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (1,127 companies, NACE 88, micro)

Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025lowest value 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025highest value 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026

Credit of up to €40,000 on 30-day terms is acceptable

Liquidity ample (current ratio 4.11, compared with 4.06 in 2024, above the usual 1.5; short-term debt: 22.9% and cash: 88.8% of total assets), and 22.9% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 88, micro): better than 92% on solvency, 86% on liquidity, 76% on profitability and 45% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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.

lowers riskneutral

Liquidity: current ratio 4.11, cash €486,896

NBB · annual accounts

Size: total assets €548,140

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Sector: Social work activities without accommodation (NACE 88)

KBO

Equity €422,644 (77.1% of total assets)

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-06-2026, 37 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

37 days early

2024

14 days early

2023

13 days early

2022

20 days early

2021

18 days early

2020

15 days early

2019

15 days early

← before the deadline after the deadline →

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

This company filed its last 7 accounts on average 19 days before the deadline; the sector median (NACE 88) for financial year 2024 is 24 days before the deadline, and 25% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 13 July (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

31-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

24-06-2026 Annual accounts filedfinancial year 2025 · micro…
17-07-2025 Annual accounts filedfinancial year 2024 · micro…
31-12-2024 Highest result from 2018 to 2025net €96,311 ▲5%

Key points

Positive: Among the best 9% on equitysector median €74,888 · 700 companies €422,644 View
Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
Positive: 8 profitable years in a rowprofit 2025: €82,542 8 years View
Flemish supportawarded from 2022 to 2025 €1.4m View

By topic

Financials

Financial year: 2025
Total assets: €548,140
Profit: €82,542
Solvency: 77.1%

Total assets▲ 4.5%

Net result

20182025

Go to Financials

Board & ownership

Board: 1 member

Arbaji FatimaDirector

Go to Board & ownership

Timeline

Events: 17
Since: 2013
Next accounts: by 31-07-2027

18-07-2024Annual accounts filed
11-07-2023Annual accounts filed
24-05-2023Resignation: Arbaji Fatima (manager)

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Day nurseries and crèchesNACE 88911
Founded: 01-03-2012
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 24

Purpose: “Het uitbaten van kinderdagverblijven en opvangtehuizen voor kinderen; Het verstrekken van…” (deed in Dutch)

Go to Articles of association

Key facts about HET ZANDKASTEEL

What is the company number of HET ZANDKASTEEL?: 0844.079.053. In Belgium the VAT number is the company number with BE in front: BE 0844.079.053.
Where is HET ZANDKASTEEL based?: The registered office is at Leuvensesteenweg 373, 2800 Mechelen.Company details
What does HET ZANDKASTEEL do?: According to the KBO register, the main activity is day nurseries and crèches (NACE 88911).
What is the legal form of HET ZANDKASTEEL?: Private limited company (BV).
When was HET ZANDKASTEEL founded?: On 01-03-2012.
Is HET ZANDKASTEEL still active?: Yes, HET ZANDKASTEEL is an active enterprise in the KBO register.
How many employees does HET ZANDKASTEEL have?: On average 6.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of HET ZANDKASTEEL?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is HET ZANDKASTEEL profitable?: In financial year 2025, HET ZANDKASTEEL made a profit of €82,542.
Where can I find the annual accounts of HET ZANDKASTEEL?: HET ZANDKASTEEL filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of HET ZANDKASTEEL due?: By 31-07-2027, for financial year 2026.Timeline