Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of MAN&ZOU is ≥ 25% (high). The 2024 annual accounts show negative equity (€-1k) and a net result of €-1k. Its solvency ranks better than 5% of 2254 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneStatistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Insolvency timeline
1 eventsSignals
1 signal · with evidenceSignals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wide| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2024 | 31-07-2025 | 31-12-2025 | 153 d late | 2026-00000433 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
1 signalAdministrative Flags
1 eventFinancials
Annual accounts & ratios
Source: NBB · 2024| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -708.3% | 27.4% | |
| Net result | €-1k | €6k | |
| Equity | €-1k | €17k | |
| Gross operating margin | €-1k | €28k | |
| Total assets | €166 | €66k |
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | - |
| Net profit | €-1k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €166 |
| Equity | €-1k |
| Debt | €1k |
| of which ≤ 1y | €1k |
| of which > 1y | - |
| Working capital | €-1k |
| Employees (FTE) | - |
| 2024 | |
|---|---|
| Current ratio | 0.12 |
| Quick ratio | 0.12 |
| Working capital ratio | -708.3% |
| Solvency | -708.3% |
| Debt / equity | -1.14 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | -708.3% |
| ROE | 100.0% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €166 |
| Current assets | 29/58 | €166 |
| Amounts receivable within one year | 40/41 | €166 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €166 |
| Equity | 10/15 | €-1k |
| Accumulated profits (losses) | 14 | €-1k |
| Amounts payable | 17/49 | €1k |
| Amounts payable within one year | 42/48 | €1k |
| Income statement | ||
| Gross operating margin | 9900 | €-1k |
| Operating result | 9901 | €-1k |
| Result before taxes | 9903 | €-1k |
| Net result for the period | 9904 | €-1k |
| Result to be appropriated | 9905 | €-1k |
Health barometer
FY 2024 · computedUnlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Structure & network
Locations & real estate
Registered office
from the Crossroads BankThis address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Assesteenweg 1161740 TernatEstablishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52382A0024/00Z540 | Wallonia | 288 m² | 1 · 45 m² | 9.5 m · 3 fl. |
| 23086A0354/00K002 | Flanders | 82 m² | 1 · 58 m² | 10.3 m · 3 fl. |
Publications
Lifecycle & Insolvency Signals
1 event from the State GazetteTime machine: BS events + macro context
2021-2026Belgian State Gazette · acts
That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.
Analysis
Snowflake analysis
financial profile on 5 axesMixed profile: strong on profitability, weaker on health.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
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AI due-diligence brief
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Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector and regionCompany registry
Company registry (CBE)
Crossroads Bank| Legal nameNL | MAN&ZOU |
- 18-08-2025 Address struck