J.ZAINEE

Active

Private limited companyfounded 20224 yrs activeGrasmarkt 105, 1000 Brussel, BelgiumKBO/BCE: BE 0782.610.648

The computed 12-month bankruptcy probability of J.ZAINEE is 5.3% (elevated). The 2025 annual accounts show negative equity (€-6k) and a net result of €-35k. Equity is shrinking by ~62.3% per year across the filed fiscal years. Its solvency ranks better than 19% of 18024 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

2 / 100

Critical▼ -93 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability33▼-20

Solvency39▼-61

Growth22▼-13

Stability94

Bankruptcy probability, 12 months

5.3% Elevated

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.74 against 2.38 in 2024), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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 2025

Solvency, return and age of the figures

Solvency

-8.6%

Return on assets

-50.2%

Age of the figures

9 mo

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Negative equity

Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).

NBB · annual accounts 2025

Equity per financial year

232425

2023 to 2025 · latest year -€6k

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 3 filings

Deviation from the deadline

2025

26 d late

2024

27 d late

2023

8 d late

← before the deadline after the deadline →

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 months

Position in the running window

16-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

€80k▼ 30.1%

2024 · €115k

2023: €194k 2024: €115k

2023 → 2025

EBIT margin

-41.8%▼ 47.3pp

2024 · 5.5%

2023: 13.9% 2024: 5.5%

2023 → 2025

Net result

€-35k

2024 · €5k

2023: €24k 2024: €5k

2023 → 2025

Working capital

€-20k

2024 · €11k

2023: €24k 2024: €11k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Turnover€194k-€115k▼ 41.1%€80k▼ 30.1%

Equity€24k-€29k▲ 19.3%€-6k

Operating result€27k-€6k▼ 76.6%€-33k

Net result€24k-€5k▼ 80.7%€-35k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €33k after €6k in 2024, the lowest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €70k

20.0%

80.0%

Fixed assets €14k▼ 21.3%

Current assets €56k▲ 185%

Key figures and ratios

2025 value · change against 2024

EBITDA

€-30k▼

2024 · €7k

Cash flow

€-31k▼

2024 · €6k

Solvency

-8.6%▼

2024 · 77.9%

Current ratio

0.74▼

2024 · 2.38

Quick ratio

0.63▼

2024 · 1.40

Debt / equity

-12.69▼

2024 · 0.28

ROE

586.8%▲

2024 · 16.2%

ROA

-50.2%▼

2024 · 12.6%

Interest coverage

-20.57▼

2024 · 4.53

Debt

€75k▲

2024 · €8k

Debt ≤ 1 year

€75k▲

2024 · €8k

Staff costs

€11k

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€37k€70k▲

Fixed assets21/28€18k€14k▼

Tangible fixed assets22/27€18k€14k▼

Furniture and vehicles24€18k€14k▼

Current assets29/58€20k€56k▲

Stocks and contracts in progress3€8k€8k=

Stocks30/36€8k€8k=

Amounts receivable within one year40/41€168€38k▲

Trade receivables40-€37k

Other amounts receivable41€168€1k▲

Cash at bank and in hand54/58€11k€10k▼

Equity and liabilities

Total equity and liabilities10/49€37k€70k▲

Equity10/15€29k€-6k▼

Profit (loss) carried forward14€29k€-6k▼

Amounts payable17/49€8k€75k▲

Amounts payable within one year42/48€8k€75k▲

Trade debts44€3k€6k▲

Suppliers440/4€3k€6k▲

Advances received on contracts in progress46-€45k

Taxes, remuneration and social security45€6k€24k▲

Taxes450/3€113€7▼

Remuneration and social security454/9€6k€24k▲

Income statement Code20242025

Turnover70€115k€80k▼

Goods, raw materials, services and sundry goods60/61€95k€70k▼

Remuneration, social security and pensions62-€11k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€4k▲

Other operating charges640/8€13k€28k▲

Gross operating margin9900€20k€10k▼

Operating profit (loss)9901€6k€-33k▼

Financial charges65/66B€2k€1k▼

Recurring financial charges65€2k€1k▼

Profit (loss) for the period before taxes9903€5k€-35k▼

Profit (loss) for the period9904€5k€-35k▼

Profit (loss) for the period to be appropriated9905€5k€-35k▼

Appropriation of the result

Profit (loss) to be appropriated9906€29k€-6k▼

Profit (loss) brought forward from the previous period14P€24k€29k▲

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

Next filing, fiscal year 2026, expected by 31-07-2027

2026

26-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 26 days late

2025

31-12

Financial Weakest financial yearnet €-35k ▼844%

Net result drops to €-35k, the lowest in the series.

27-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 27 days late

2024

08-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 8 days late

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, Brussel · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Grasmarkt 1051000 Brussel

Ground area

3,019 m²

Building footprint

2,983 m²

Volume, LiDAR

40,580 m³

Parcel 21004A1111/00B000, Brussels · tallest building 20.1 m, ±6 floors. Linked by address, not a title deed.

1 establishment unit

J.ZAINEE TELEPHONE ASSOSARIES SHOP

Grasmarkt 105, 1000 BrusselRetail trade

since 20222.328.907.741

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21004A1111/00B000 ProtectedArchitectural ensemble · MonumentDe Borse - uitbreiding van de bescherming met bepaalde delenSource ↗	Brussels	3,019 m²	1 · 2,983 m²	20.1 m · 6 fl.