Z AUTOMOBILE

Active

Private limited companyfounded 2021active for 5 yearsParuckstraat 39, 1080 Sint-Jans-Molenbeek, Belgium30 active companies are registered at this addressKBO/BCE: BE 0764.334.363

Summary

The computed 12-month bankruptcy probability of Z AUTOMOBILE is 6.2% (elevated). The 2024 annual accounts show equity of €15,126 and a net result of €6,521. Equity is growing by about 22% per year across the filed financial years. Its solvency ranks better than 39% of 25,567 sector peers (NACE 47, financial year 2024). The company has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals.

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Z AUTOMOBILEActiveChecked score 37/100

Risk analysis Report Compare

Activity

Retail sale of cars and light vans (up to 3.5 tonnes)

NACE 47811

2 sites

Size

€75,888total assets 2024

Staff: 0.6 FTE
Equity: €15,126
Profit: €6,521

Turnover not published (micro format)

Financial health

37 Weak Checked score 2024

Bankruptcy probabilitywithin 12 months: 6.2%

Structure

Lazaar AbdelhalimDirector

2025 accounts not filed, 88 days past the deadline1 of 2 deeds summarised

Why 37raises risk1 financial year not filed after the legal deadline; last filed accounts filed 139 days late; 3 of the last 3 lateFigures for financial year 2024 (filed 20-12-2025)Founded in 2021lowers riskLiquidity: current ratio 1.25, cash €19,133Show the evidence

Checked score

Score 2024

37 / 100

Weak

Probability in this band: 4.2% to 15.0%

Financially better than 51% of its sector peers (NACE 47, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2023

Weak

Solvency 45-7

equity 19.9% of total assets

Liquidity 38-16

short-term debt 80.1% · cash 25.2%

Profitability 59+13

return on assets 8.6%

Bankruptcy probability, 12 months

6.2% Elevated

0%0.5%1.5%4%10%≥ 25%

About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,246 companies, NACE 47, micro)

Last 24 months 11-2024: 3.8% 12-2024: 4.9%▲ +1.1 percentage points vs 11-2024 01-2025: 2.8%▼ -2.1 percentage points vs 12-2024 02-2025: 2.8%● unchanged vs 01-2025lowest value 03-2025: 2.9%▲ +0.1 percentage points vs 02-2025 04-2025: 2.9%● unchanged vs 03-2025 05-2025: 3.0%▲ +0.1 percentage points vs 04-2025 06-2025: 2.9%▼ -0.1 percentage points vs 05-2025 07-2025: 2.8%▼ -0.1 percentage points vs 06-2025 08-2025: 3.7%▲ +0.9 percentage points vs 07-2025 09-2025: 4.1%▲ +0.4 percentage points vs 08-2025 10-2025: 5.8%▲ +1.7 percentage points vs 09-2025 11-2025: 5.9%▲ +0.1 percentage points vs 10-2025 12-2025: 7.2%▲ +1.3 percentage points vs 11-2025highest value 01-2026: 3.0%▼ -4.2 percentage points vs 12-2025 02-2026: 3.0%● unchanged vs 01-2026 03-2026: 3.0%● unchanged vs 02-2026 04-2026: 3.1%▲ +0.1 percentage points vs 03-2026 05-2026: 3.6%▲ +0.5 percentage points vs 04-2026 06-2026: 3.4%▼ -0.2 percentage points vs 05-2026 07-2026: 3.3%▼ -0.1 percentage points vs 06-2026 08-2026: 4.0%▲ +0.7 percentage points vs 07-2026 09-2026: 4.4%▲ +0.4 percentage points vs 08-2026 10-2026: 6.2%▲ +1.8 percentage points vs 09-2026

Credit of up to €500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms

Liquidity tight (current ratio 1.25, compared with 1.37 in 2023, below the usual 1.5; short-term debt: 80.1% and cash: 25.2% of total assets), and 80.1% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 36% on solvency, 35% on liquidity, 42% on profitability and 90% on growth.

The bankruptcy probability was computed on 26-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

lowers riskraises risk

1 financial year not filed after the legal deadline; last filed accounts filed 139 days late; 3 of the last 3 late

NBB · filings

Figures for financial year 2024 (filed 20-12-2025)

NBB · annual accounts

Founded in 2021

Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.

KBO

Liquidity: current ratio 1.25, cash €19,133

NBB · annual accounts

Annual accounts not filed

The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 88 days later.

NBB · 4 filings

Position against the passed deadline

31-12-2025 year end31-07-2026 deadline27-10-2026 today

2024 accounts filed 139 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-12-2025, 139 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.

NBB · 4 filings

Deviation from the deadline

2025

not filed

2024

139 days late

2023

131 days late

2022

151 days late

2021

150 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 143 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

17-12-2025 Annual accounts filedfinancial year 2024 · micro…
31-12-2024 Highest result from 2021 to 2024net €6,521 ▲476%
09-12-2024 Annual accounts filedfinancial year 2023 · micro…

Key points

Caution: 2025 accounts not fileddeadline was 31-07-2026 88 days past the deadline View
One director decidessole director in office 1 View
Total assets 20244 financial years filed €75,888 View

By topic

Financials

Financial year: 2024
Total assets: €75,888
Profit: €6,521
Solvency: 19.9%

Turnover▼ 17.8%

Net result

20212023

Go to Financials

Board & ownership

Board: 1 member

Lazaar AbdelhalimDirector

Go to Board & ownership

Timeline

Events: 7
Since: 2022

27-05-2024Appointment: Lazaar Abdelhalim (director)
29-12-2023Annual accounts filed
31-12-2022Weakest financial year

Go to Timeline

Company details

Sites: 2

Legal form: Private limited company
Activity: Retail sale of cars and light vans (up…NACE 47811
Founded: 25-02-2021
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about Z AUTOMOBILE

What is the company number of Z AUTOMOBILE?: 0764.334.363. In Belgium the VAT number is the company number with BE in front: BE 0764.334.363.
Where is Z AUTOMOBILE based?: The registered office is at Paruckstraat 39, 1080 Sint-Jans-Molenbeek.Company details
What does Z AUTOMOBILE do?: According to the KBO register, the main activity is retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811).
What is the legal form of Z AUTOMOBILE?: Private limited company (BV).
When was Z AUTOMOBILE founded?: On 25-02-2021.
Is Z AUTOMOBILE still active?: Yes, Z AUTOMOBILE is an active enterprise in the KBO register.
How many employees does Z AUTOMOBILE have?: On average 0.6 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
What is the turnover of Z AUTOMOBILE?: €63,460 in financial year 2023, according to the filed annual accounts.
Is Z AUTOMOBILE profitable?: In financial year 2024, Z AUTOMOBILE made a profit of €6,521.
Where can I find the annual accounts of Z AUTOMOBILE?: Z AUTOMOBILE filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2024.