IVAN ZON & ZEE
ActiveSummary
IVAN ZON & ZEE has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.72M and a net result of €-12k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 89% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68=
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity ample (current ratio 3.95 against 2.8 in 2024; short-term debt: 2% and cash: 7.6% of total assets), and 13% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers 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 →
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
87%
Return on assets
-0.6%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
45 d early
2023
on the day
2022
11 d early
2021
25 d late
2020
51 d early
2019
27 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.72M▼ 0.7%
2024 · €1.73M
2018: €1.76M
2019: €1.76M
2020: €1.77M
2021: €1.75M
2022: €1.74M
2023: €1.74M
2024: €1.73M
2018 → 2025
Total assets
€1.97M▼ 1.7%
2024 · €2.01M
2018: €2.07M
2019: €2.06M
2020: €2.06M
2021: €2.04M
2022: €2.03M
2023: €2.02M
2024: €2.01M
2018 → 2025
Net result
€-12k▼ 72.5%
2024 · €-7k
2018: €628k
2019: €2k
2020: €4k
2021: €-14k
2022: €-9k
2023: €-6k
2024: €-7k
2018 → 2025
Working capital
€116k▲ 17.3%
2024 · €98k
2018: €-37k
2019: €-8k
2020: €20k
2021: €34k
2022: €53k
2023: €78k
2024: €98k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.75M-€1.74M▼ 0.5%€1.74M▼ 0.3%€1.73M▼ 0.4%€1.72M▼ 0.7%
Operating result€-19k-€-12k▲ 36.2%€-7k▲ 46.8%€-7k▼ 0.7%€-15k▼ 123%
Net result€-14k-€-9k▲ 34.0%€-6k▲ 39.7%€-7k▼ 24.0%€-12k▼ 72.5%
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 €15k in 2025 against €7k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.97M
Fixed assets
€1.82M ▼ 1.9%
Current assets
€155k ▲ 1.0%
Equity and liabilities €1.97M
Equity
€1.72M ▼ 0.7%
Provisions
€207k ▼ 3.8%
Debt
€49k ▼ 21.7%
Debt's share of the balance-sheet total falls from 3.1% to 2.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€21k▼
2024 · €29k
Cash flow
€23k▼
2024 · €28k
Current ratio
3.95▲
2024 · 2.80
Debt to equity
0.03▼
2024 · 0.04
ROE
-0.7%▼
2024 · -0.4%
ROA
-0.6%▼
2024 · -0.3%
Interest coverage
6.64▼
2024 · 7.36
Debt ≤ 1 year
€39k▼
2024 · €55k
Income taxes
€3k▼
2024 · €5k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.01M€1.97M▼
Fixed assets21/28€1.86M€1.82M▼
Tangible fixed assets22/27€1.86M€1.82M▼
Land and buildings22€1.22M€1.19M▼
Other tangible fixed assets26€635k€635k=
Current assets29/58€153k€155k▲
Amounts receivable within one year40/41-€4k
Trade receivables40-€2k
Other amounts receivable41-€2k
Cash at bank and in hand54/58€153k€151k▼
Equity and liabilities
Total equity and liabilities10/49€2.01M€1.97M▼
Equity10/15€1.73M€1.72M▼
Contributions10/11€1.17M€1.17M=
Reserves13€566k€554k▼
Tax-exempt reserves132€514k€494k▼
Distributable reserves133€52k€60k▲
Provisions and deferred taxes16€216k€207k▼
Deferred taxes168€216k€207k▼
Amounts payable17/49€62k€49k▼
Amounts payable within one year42/48€55k€39k▼
Trade debts44€0€4k▲
Suppliers440/4€0€4k▲
Taxes, remuneration and social security45€5k€0▼
Taxes450/3€5k€0▼
Other amounts payable47/48€50k€35k▼
Accrued charges and deferred income492/3€8k€10k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€35k=
Other operating charges640/8€6k€6k▲
Gross operating margin9900€35k€27k▼
Operating profit (loss)9901€-7k€-15k▼
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€-10k€-18k▼
Transfer from deferred taxes780€8k€8k=
Income taxes67/77€5k€3k▼
Profit (loss) for the period9904€-7k€-12k▼
Transfer from tax-exempt reserves789€20k€20k=
Profit (loss) for the period to be appropriated9905€13k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€8k▼
Transfer to equity691/2€13k€8k▼
To other reserves6921€13k€8k▼
The notes to these accounts (4 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Weakest financial yearnet €-14k ▼499%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Brugge · 1 establishment unit 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.
Korte Vuldersstraat 258000 BruggeGround area
123 m²
Building footprint
70 m²
Volume, LiDAR
490 m³
Parcel 31803C1324/00C000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IVAN ZON & ZEE
since 20042.264.257.934
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31803C1324/00C000 | Flanders | 123 m² | 1 · 70 m² | 9.1 m · 2 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.
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Of 12,022 companies in sector 68203 we hold annual accounts for 5,986. 3,767 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
Founded28-06-2004
Fiscal year end31-12
Activities, NACEBEL 2025
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.