N-ZONE
ActiveSummary
N-ZONE has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.57M and a net result of €126k. Equity is growing by ~23.2% per year across the filed fiscal years. Its solvency ranks better than 81% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+4
Solvency94▼-6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €190k at 30 days acceptable
Liquidity ample (current ratio 6.54 against 8.51 in 2024; short-term debt: 13.4% and cash: 11.6% of total assets), and 31.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
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
68.7%
Return on assets
3.4%
Age of the figures
9 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-09-2026, 33 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 · 10 filingsDeviation from the deadline
2025
33 d late
2024
1 d early
2023
8 d early
2022
29 d late
2021
18 d early
2020
61 d late
2019
69 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€126k
2024 · €-6k
2018: €-15k
2019: €-6k
2020: €51k
2021: €27k
2022: €33k
2023: €25k
2024: €-6k
2018 → 2025
Working capital
€2.76M▲ 24.1%
2024 · €2.23M
2018: €82k
2019: €85k
2020: €150k
2021: €453k
2022: €366k
2023: €232k
2024: €2.23M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€173k-€205k▲ 18.5%€230k▲ 12.3%€2.49M▲ 982%€2.57M▲ 3.0%
Operating result€61k-€38k▼ 37.7%€33k▼ 13.5%€3k▼ 92.2%€109k▲ 4,128%
Net result€27k-€33k▲ 20.0%€25k▼ 22.9%€-6k€126k
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 4,128% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.73M
Fixed assets
€472k ▼ 29.9%
Current assets
€3.26M ▲ 29.3%
Equity and liabilities €3.73M
Equity
€2.57M ▲ 3.0%
Provisions
€62k ▲ 66.7%
Debt
€1.11M ▲ 65.2%
Debt's share of the balance-sheet total rises from 20.9% to 29.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€626k▲
2024 · €100k
Cash flow
€642k▲
2024 · €91k
Current ratio
6.54▼
2024 · 8.51
Quick ratio
6.43▼
2024 · 8.45
Debt to equity
0.43▲
2024 · 0.27
ROE
4.9%▲
2024 · -0.3%
ROA
3.4%▲
2024 · -0.2%
Interest coverage
54.60▲
2024 · 14.07
Debt ≤ 1 year
€499k▲
2024 · €297k
Debt > 1 year
€607k▲
2024 · €373k
Income taxes
€46k▲
2024 · €11k
Staff costs
€1.18M▲
2024 · €765k
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 · 64 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.20M€3.73M▲
Fixed assets21/28€674k€472k▼
Intangible fixed assets21€649k€447k▼
Tangible fixed assets22/27€23k€23k▲
Land and buildings22€5k-
Plant, machinery and equipment23€2k€902▼
Furniture and vehicles24€16k€22k▲
Other tangible fixed assets26€425€425=
Financial fixed assets28€2k€2k▼
Current assets29/58€2.52M€3.26M▲
Stocks and contracts in progress3€18k€52k▲
Stocks30/36€18k€52k▲
Amounts receivable within one year40/41€1.28M€2.18M▲
Trade receivables40€1.03M€2.11M▲
Other amounts receivable41€258k€72k▼
Current investments50/53€900k€586k▼
Cash at bank and in hand54/58€322k€433k▲
Deferred charges and accrued income490/1€452€8k▲
Equity and liabilities
Total equity and liabilities10/49€3.20M€3.73M▲
Equity10/15€2.49M€2.57M▲
Contributions10/11€2.14M€2.14M=
Capital10€2.14M€2.14M=
Issued capital100€2.14M€2.14M=
Reserves13€212k€212k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€210k€210k=
Profit (loss) carried forward14€-6k€119k▲
Investment grants15€149k€99k▼
Provisions and deferred taxes16€37k€62k▲
Provisions for liabilities and charges160/5-€37k
Other liabilities and charges164/5-€37k
Deferred taxes168€37k€25k▼
Amounts payable17/49€669k€1.11M▲
Amounts payable after more than one year17€373k€607k▲
Financial debts170/4€373k€607k▲
Amounts payable within one year42/48€297k€499k▲
Current portion of amounts payable after more than one year42€5k€2k▼
Trade debts44€120k€325k▲
Suppliers440/4€120k€325k▲
Taxes, remuneration and social security45€149k€164k▲
Taxes450/3€5k€35k▲
Remuneration and social security454/9€144k€129k▼
Other amounts payable47/48€22k€8k▼
Accrued charges and deferred income492/3-€1
Income statement
Code20242025
Non-recurring operating income76A-€0
Remuneration, social security and pensions62€765k€1.18M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€98k€516k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€7k€38k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8-€37k
Other operating charges640/8€804€3k▲
Gross operating margin9900€873k€1.88M▲
Operating profit (loss)9901€3k€109k▲
Financial income75/76B€9k€74k▲
Recurring financial income75€9k€74k▲
Financial charges65/66B€7k€11k▲
Recurring financial charges65€7k€11k▲
Profit (loss) for the period before taxes9903€4k€171k▲
Income taxes67/77€11k€46k▲
Profit (loss) for the period9904€-6k€126k▲
Profit (loss) for the period to be appropriated9905€-6k€126k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€119k▲
Profit (loss) brought forward from the previous period14P-€-7k
Social balance
Average headcount (FTE)908718.0-
The notes to these accounts (15 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
02-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 33 days late
2025
31-12
Financial
Back to profitnet €126k
Net result €126k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Liquidity times 6current ratio 8.51
Current ratio from 1.46 to 8.51; short-term debt falls from €501k to €297k.
31-12
Financial
Equity above €2MEq €2.49M ▲982%
Equity rises from €230k to €2.49M.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Equity above €200kEq €205k ▲18.5%
3 profitable years in a row build equity to €205k.
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Back to profitnet €51k
Net result €51k after 2 loss-making years.
31-12
Financial
Equity above €150kEq €163k ▲45.5%
Equity rises from €112k to €163k.
Show earlier events
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 21 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
2014
11-09
State Gazette act
Incorporation · Founding capital
Corporate purpose · Founder
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Sprimont · 2 establishment units since 2017
Ground area
2,504 m²
Building footprint
827 m²
Volume, LiDAR
4,940 m³
3 parcels, Wallonia · tallest building 16.8 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
N-ZONE
since 20172.272.028.030
N-ZONE
since 20172.272.028.129
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62067F1069/00K000 | Wallonia | 1,238 m² | 1 · 106 m² | 6.9 m · 2 fl. |
| 62002D0006/00K000 ProtectedMonument |
Wallonia | 965 m² | 1 · 427 m² | 16.8 m · 4 fl. |
| 63002B0288/00A012 | Wallonia | 301 m² | 1 · 294 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Wallonia-Brussels Federation
2024 · 1 entry · 12,000 EUR in total| Year | Entries | paid |
|---|---|---|
| 2024 | 1 | 12,000 EUR |
Budget allocations
Numérisation Culture Médias
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Of 2,102 companies in sector 47640 we hold annual accounts for 906. 249 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 formPublic limited company
Founded13-03-2014
Fiscal year end31-12
Activities, NACEBEL 2025
47640Retail sale of games and toys
70200Business and other management consultancy
32400Other manufacturing
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
58290Other software publishing
59113Video and film production, excluding cinema and television films
62100Computer programming
82300Organisation of conventions and trade shows
90111Literary creation
90120Visual arts creation
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.