HET ZONNEKE
ActiveThe computed 12-month bankruptcy probability of HET ZONNEKE is 1.8% (moderate). The 2025 annual accounts show equity of €375k and a net result of €69k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 66% of 3657 sector peers (fiscal year 2025). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+16
Solvency71▲+8
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity short (current ratio 0.69 against 0.33 in 2024; short-term debt: 24.8% and cash: 7.9% of total assets), and 54.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
45.8%
Return on assets
8.4%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €375k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
55 d early
2023
58 d early
2022
62 d early
2021
62 d early
2020
61 d early
2019
59 d early
← before the deadline
after the deadline →
neutral · 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 monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€375k▲ 22.4%
2024 · €307k
2018: €375k
2019: €415k
2020: €438k
2021: €543k
2022: €253k
2023: €276k
2024: €307k
2018 → 2025
Total assets
€820k▲ 2.1%
2024 · €803k
2018: €1.34M
2019: €1.30M
2020: €1.22M
2021: €1.27M
2022: €950k
2023: €871k
2024: €803k
2018 → 2025
Net result
€69k▲ 126%
2024 · €30k
2018: €29k
2019: €41k
2020: €23k
2021: €105k
2022: €-90k
2023: €23k
2024: €30k
2018 → 2025
Working capital
€-64k▲ 49.6%
2024 · €-126k
2018: €74k
2019: €74k
2020: €129k
2021: €210k
2022: €-114k
2023: €-115k
2024: €-126k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€543k-€253k▼ 53.5%€276k▲ 9.3%€307k▲ 11.0%€375k▲ 22.4%
Operating result€164k-€-72k€57k€61k▲ 8.3%€101k▲ 65.0%
Net result€105k-€-90k€23k€30k▲ 29.1%€69k▲ 126%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 65% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €820k
Fixed assets
€680k▼ 8.2%
Current assets
€139k▲ 125%
Equity and liabilities €820k
Equity
€375k▲ 22.4%
Debt
€445k▼ 10.4%
The debt ratio falls from 61.8% to 54.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€193k▲
2024 · €153k
Cash flow
€160k▲
2024 · €121k
Solvency
45.8%▲
2024 · 38.2%
Current ratio
0.69▲
2024 · 0.33
Quick ratio
0.65▲
2024 · 0.31
Debt / equity
1.19▼
2024 · 1.62
ROE
18.3%▲
2024 · 9.9%
ROA
8.4%▲
2024 · 3.8%
Interest coverage
6.94▲
2024 · 4.71
Debt
€445k▼
2024 · €496k
Debt ≤ 1 year
€203k▲
2024 · €188k
Debt > 1 year
€242k▼
2024 · €302k
Income taxes
€6k
Staff costs
€256k▲
2024 · €249k
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€803k€820k▲
Fixed assets21/28€741k€680k▼
Tangible fixed assets22/27€738k€677k▼
Land and buildings22€681k€629k▼
Plant, machinery and equipment23€48k€37k▼
Furniture and vehicles24€4k€8k▲
Leasing and similar rights25€5k€3k▼
Financial fixed assets28€3k€3k=
Current assets29/58€62k€139k▲
Amounts receivable after more than one year29-€49k
Other amounts receivable291-€49k
Stocks and contracts in progress3€3k€8k▲
Stocks30/36€3k€8k▲
Amounts receivable within one year40/41€18k€17k▼
Trade receivables40-€5k
Other amounts receivable41€18k€11k▼
Cash at bank and in hand54/58€40k€65k▲
Deferred charges and accrued income490/1€0€956▲
Equity and liabilities
Total equity and liabilities10/49€803k€820k▲
Equity10/15€307k€375k▲
Contributions10/11€73k€73k=
Reserves13€46k€46k=
Tax-exempt reserves132€4k€4k=
Distributable reserves133€42k€42k=
Profit (loss) carried forward14€188k€256k▲
Amounts payable17/49€496k€445k▼
Amounts payable after more than one year17€302k€242k▼
Financial debts170/4€302k€242k▼
Amounts payable within one year42/48€188k€203k▲
Current portion of amounts payable after more than one year42€98k€103k▲
Financial debts43€10k€3k▼
Credit institutions430/8€10k€3k▼
Trade debts44€28k€34k▲
Suppliers440/4€28k€34k▲
Taxes, remuneration and social security45€52k€58k▲
Taxes450/3€19k€18k▼
Remuneration and social security454/9€33k€39k▲
Other amounts payable47/48€563€5k▲
Accrued charges and deferred income492/3€6k€0▼
Income statement
Code20242025
Non-recurring operating income76A€413€0▼
Remuneration, social security and pensions62€249k€256k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€91k€91k▼
Other operating charges640/8€13k€14k▲
Gross operating margin9900€414k€463k▲
Operating profit (loss)9901€61k€101k▲
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€32k€28k▼
Recurring financial charges65€32k€28k▼
Profit (loss) for the period before taxes9903€30k€75k▲
Income taxes67/77-€6k
Profit (loss) for the period9904€30k€69k▲
Profit (loss) for the period to be appropriated9905€30k€69k▲
Appropriation of the result
Profit (loss) to be appropriated9906€188k€256k▲
Profit (loss) brought forward from the previous period14P€157k€188k▲
Social balance
Average headcount (FTE)90874.44.0▼
The notes to these accounts (19 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-90k ▼186%
Net result drops to €-90k, the lowest in the series; recovery starts the following year.
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €105k ▲359%
Operating result €164k, net result €105k, both a record.
31-12
Financial
Equity above €500kEq €543k ▲23.9%
4 profitable years in a row build equity to €543k.
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
01-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, De Panne · 3 establishment units since 2004
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.
Zeelaan 818660 De PanneGround area
579 m²
Building footprint
373 m²
Volume, LiDAR
3,546 m³
3 parcels, Flanders · tallest building 26.0 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
HET ZONNEKE
since 20042.136.573.567
HET MAANTJE
since 20042.136.790.828
HOTEL AAN ZEE
since 20072.160.968.374
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38008B0050/00_000 | Flanders | 293 m² | 1 · 206 m² | 13.8 m · 4 fl. |
| 38008A0629/00_000 | Flanders | 184 m² | 1 · 68 m² | 13.2 m · 4 fl. |
| 38352E0286/00_000 | Flanders | 101 m² | 1 · 99 m² | 26.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteDe Panne2.160.968.374
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EVADERE
BE 0536.256.679
Elsene · Eq €375k
Bernadette & Fabrice
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Momignies · Eq €374k
K.F.C.Zwarte Leeuw
BE 0627.083.125
Rijkevorsel · Eq €374k
Of 14,025 companies in sector 56301 we hold annual accounts for 4,894. 2,351 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-04-2004
Fiscal year end31-12
Activities, NACEBEL
55100Hotels and similar accommodation
55401
56301Cafés and bars
55203Holiday cottages, homes and apartments
55232
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.