IMMO ZETRUD
ActiveSummary
IMMO ZETRUD has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-280k) and a net result of €-30k. Equity is shrinking by ~44.1% per year across the filed fiscal years. Its solvency ranks better than 6% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
38
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability9▼-8
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.99 against 1.17 in 2024; short-term debt: 44.9% and cash: 0% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-70.3%
Return on assets
-7.5%
Age of the figures
12 mo
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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-280k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
34 d early
2023
57 d late
2022
31 d late
2021
60 d late
2020
1 d early
2019
48 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-280k▼ 12.0%
2024 · €-250k
2018: €422k
2019: €413k
2020: €394k
2021: €190k
2022: €-43k
2023: €-244k
2024: €-250k
2018 → 2025
Total assets
€399k▼ 2.3%
2024 · €408k
2018: €1.60M
2019: €1.55M
2020: €1.60M
2021: €1.23M
2022: €744k
2023: €387k
2024: €408k
2018 → 2025
Net result
€-30k▼ 357%
2024 · €-7k
2018: €75k
2019: €-9k
2020: €-19k
2021: €-223k
2022: €-233k
2023: €-187k
2024: €-7k
2018 → 2025
Working capital
€-2k
2024 · €26k
2018: €179k
2019: €175k
2020: €162k
2021: €663k
2022: €228k
2023: €31k
2024: €26k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€190k-€-43k€-244k▼ 472%€-250k▼ 2.7%€-280k▼ 12.0%
Operating result€-190k-€-228k▼ 19.9%€-164k▲ 28.2%€-6k▲ 96.4%€-29k▼ 405%
Net result€-223k-€-233k▼ 4.3%€-187k▲ 19.4%€-7k▲ 96.5%€-30k▼ 357%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €29k in 2025 against €6k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €399k
Fixed assets
€222k ▼ 0.6%
Current assets
€176k ▼ 4.4%
Key figures and ratios
EBITDA
€-28k▼
2024 · €-4k
Cash flow
€-29k▼
2024 · €-5k
Solvency
-70.3%▼
2024 · -61.3%
Current ratio
0.99▼
2024 · 1.17
Debt to equity
-2.42▲
2024 · -2.63
ROA
-7.5%▼
2024 · -1.6%
Interest coverage
-54.91▼
2024 · -5.94
Debt
€679k▲
2024 · €658k
Debt ≤ 1 year
€179k▲
2024 · €158k
Debt > 1 year
€500k=
2024 · €500k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€408k€399k▼
Fixed assets21/28€224k€222k▼
Tangible fixed assets22/27€224k€222k▼
Land and buildings22€222k€222k▼
Furniture and vehicles24€1k€700▼
Current assets29/58€185k€176k▼
Stocks and contracts in progress3€24k-
Stocks30/36€24k-
Amounts receivable within one year40/41€96k€141k▲
Trade receivables40€85k€132k▲
Other amounts receivable41€10k€10k▼
Cash at bank and in hand54/58€159€159=
Deferred charges and accrued income490/1€65k€35k▼
Equity and liabilities
Total equity and liabilities10/49€408k€399k▼
Equity10/15€-250k€-280k▼
Contributions10/11€250k€250k=
Capital10€250k€250k=
Issued capital100€250k€250k=
Revaluation surpluses12€204k€204k=
Profit (loss) carried forward14€-704k€-734k▼
Amounts payable17/49€658k€679k▲
Amounts payable after more than one year17€500k€500k=
Financial debts170/4€500k€500k=
Amounts payable within one year42/48€158k€179k▲
Financial debts43€445-
Credit institutions430/8€445-
Trade debts44€11k€4k▼
Suppliers440/4€11k€4k▼
Other amounts payable47/48€147k€175k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Gross operating margin9900€-4k€-28k▼
Operating profit (loss)9901€-6k€-29k▼
Financial charges65/66B€726€511▼
Recurring financial charges65€726€511▼
Profit (loss) for the period before taxes9903€-7k€-30k▼
Profit (loss) for the period9904€-7k€-30k▼
Profit (loss) for the period to be appropriated9905€-7k€-30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-704k€-734k▼
Profit (loss) brought forward from the previous period14P€-697k€-704k▼
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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-09
Financial
Weakest financial yearnet €-233k
Net result drops to €-233k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
30-09
Financial
Liquidity triplescurrent ratio 2.97
Current ratio from 1.13 to 2.97; short-term debt falls from €1.21M to €336k.
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
13-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
03-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 3 days late
2017
29-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
02-12
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
4 acts for this company are 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, Jodoigne · 1 establishment unit since 2006
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.
Chaussée de Tirlemont(Z.-L.) 6321370 JodoigneGround area
1,387 m²
Building footprint
125 m²
Volume, LiDAR
1,120 m³
Parcel 25114C0114/00F000, Wallonia · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
IMMO ZETRUD
since 20062.153.817.791
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25114C0114/00F000 | Wallonia | 1,387 m² | 1 · 125 m² | 11.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
USOCO PROPERTIES
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BE 0525.681.701
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MAXéON
BE 0465.214.671
Zedelgem · Eq €189,800
LCV Development
BE 0435.582.062
Wortegem-Petegem · Eq €189,759
COINVESTO
BE 1001.964.666
Holsbeek · Eq €190,555
Of 12,022 companies in sector 68203 we hold annual accounts for 5,986. 4,231 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded31-08-2001
Fiscal year end30-09
Activities, NACEBEL 2025
68203Renting and operating of own or leased non-residential real estate, excluding land
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:010229856