KZOAA
ActiveThe computed 12-month bankruptcy probability of KZOAA is 3.7% (moderate). The 2025 annual accounts show negative equity (€-84k) and a net result of €-17k. Equity is shrinking by ~37% per year across the filed fiscal years. Its solvency ranks better than 8% of 18237 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
17
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth58▲+26
Track record94
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.08 against 0.13 in 2024; short-term debt: 231.4% and cash: 6.4% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
-131.4%
Return on assets
-26.8%
Age of the figures
9 mo
raises risk · 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 →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €-84k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
26 d late
2023
23 d late
2022
29 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-84k▼ 25.6%
2024 · €-67k
2022: €-19k
2023: €-47k
2024: €-67k
2022 → 2025
Total assets
€64k▼ 19.1%
2024 · €79k
2022: €132k
2023: €97k
2024: €79k
2022 → 2025
Net result
€-17k▲ 15.0%
2024 · €-20k
2022: €-20k
2023: €-28k
2024: €-20k
2022 → 2025
Working capital
€-136k▼ 6.9%
2024 · €-127k
2022: €-104k
2023: €-121k
2024: €-127k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-19k-€-47k▼ 151%€-67k▼ 43.2%€-84k▼ 25.6%
Operating result€-16k-€-25k▼ 60.8%€-20k▲ 21.6%€-17k▲ 14.1%
Net result€-20k-€-28k▼ 39.6%€-20k▲ 28.2%€-17k▲ 15.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €17k in 2025 against €20k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €64k
Fixed assets
€52k▼ 13.8%
Current assets
€12k▼ 36.3%
Key figures and ratios
EBITDA
€-7k▲
2024 · €-9k
Cash flow
€-7k▲
2024 · €-9k
Solvency
-131.4%▼
2024 · -84.6%
Current ratio
0.08▼
2024 · 0.13
Quick ratio
0.03▼
2024 · 0.06
Debt / equity
-1.76▲
2024 · -2.18
ROA
-26.8%▼
2024 · -25.5%
Interest coverage
-34784.89▼
2024 · -45.88
Debt
€148k▲
2024 · €146k
Debt ≤ 1 year
€148k▲
2024 · €146k
Income taxes
€88▼
2024 · €155
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€79k€64k▼
Fixed assets21/28€60k€52k▼
Intangible fixed assets21€55k€47k▼
Tangible fixed assets22/27€5k€5k▼
Furniture and vehicles24€744€1k▲
Other tangible fixed assets26€5k€3k▼
Current assets29/58€19k€12k▼
Stocks and contracts in progress3€10k€8k▼
Stocks30/36€10k€8k▼
Cash at bank and in hand54/58€8k€4k▼
Deferred charges and accrued income490/1-€45
Equity and liabilities
Total equity and liabilities10/49€79k€64k▼
Equity10/15€-67k€-84k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€-68k€-85k▼
Amounts payable17/49€146k€148k▲
Amounts payable within one year42/48€146k€148k▲
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€5k€6k▲
Taxes450/3€5k€6k▲
Other amounts payable47/48€137k€139k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼
Other operating charges640/8€512€3k▲
Non-recurring operating charges66A-€12
Gross operating margin9900€-8k€-4k▲
Operating profit (loss)9901€-20k€-17k▲
Financial income75/76B€18-
Recurring financial income75€18-
Financial charges65/66B€186€0▼
Recurring financial charges65€186€0▼
Profit (loss) for the period before taxes9903€-20k€-17k▲
Income taxes67/77€155€88▼
Profit (loss) for the period9904€-20k€-17k▲
Profit (loss) for the period to be appropriated9905€-20k€-17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-68k€-85k▼
Profit (loss) brought forward from the previous period14P€-48k€-68k▼
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Weakest financial yearnet €-28k
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
15-03-2025
Resigned as Director
25-03-2024
Resigned as Director
Location & real-estate footprint
Registered office, Brugelette · 1 establishment unit since 2022
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.
Rue de la Cailloutière(A) 117941 BrugeletteGround area
880 m²
Building footprint
128 m²
Volume, LiDAR
662 m³
Parcel 51005B0202/00F000, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KZOAA
since 20222.328.715.424
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51005B0202/00F000 | Wallonia | 880 m² | 1 · 128 m² | 7.4 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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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 12,959 companies in sector 47120 we hold annual accounts for 2,190.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-02-2022
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:carineregagnon@gmail.com
Phone:+32495930935