Z & ELEC
ActiveThe computed 12-month bankruptcy probability of Z & ELEC is 1.6% (moderate). The 2025 annual accounts show equity of €5k and a net result of €4k. Its solvency ranks better than 13% of 7760 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability80
Solvency36
Growth-
Track record67
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 7760 sector peers (2025).
NBB · sector comparisonPosition among 7760 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 1 filingDeviation from the deadline
2025
29 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€5k
Total assets
€46k
Net result
€4k
Working capital
€-7k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €46k
Fixed assets
€30k
Current assets
€16k
Equity and liabilities €46k
Equity
€5k
Debt
€41k
Debt finances 88.6% of the balance-sheet total.
Key figures and ratios
EBITDA
€13k
Cash flow
€8k
Solvency
11.4%
Current ratio
0.71
Quick ratio
0.71
Debt / equity
7.79
ROE
81.0%
ROA
9.2%
Interest coverage
6.04
Debt
€41k
Debt ≤ 1 year
€22k
Debt > 1 year
€19k
Income taxes
€3k
Staff costs
€16k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€46k
Fixed assets21/28€30k
Tangible fixed assets22/27€30k
Plant, machinery and equipment23€2k
Furniture and vehicles24€28k
Current assets29/58€16k
Amounts receivable within one year40/41€16k
Trade receivables40€8k
Other amounts receivable41€8k
Equity and liabilities
Total equity and liabilities10/49€46k
Equity10/15€5k
Contributions10/11€1k
Capital10€1k
Issued capital100€1k
Profit (loss) carried forward14€4k
Amounts payable17/49€41k
Amounts payable after more than one year17€19k
Financial debts170/4€19k
Amounts payable within one year42/48€22k
Current portion of amounts payable after more than one year42€5k
Financial debts43€8k
Credit institutions430/8€8k
Trade debts44€2k
Suppliers440/4€2k
Taxes, remuneration and social security45€8k
Taxes450/3€5k
Remuneration and social security454/9€3k
Income statement
Code2025
Remuneration, social security and pensions62€16k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k
Other operating charges640/8€1k
Gross operating margin9900€30k
Operating profit (loss)9901€9k
Financial income75/76B€584
Recurring financial income75€584
Financial charges65/66B€2k
Recurring financial charges65€2k
Profit (loss) for the period before taxes9903€7k
Income taxes67/77€3k
Profit (loss) for the period9904€4k
Profit (loss) for the period to be appropriated9905€4k
Appropriation of the result
Profit (loss) to be appropriated9906€4k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
NBB filing
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, Drogenbos · 1 establishment unit since 2024
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.
Steenweg op Ruisbroek 2571620 DrogenbosGround area
8,110 m²
Building footprint
4,949 m²
Volume, LiDAR
34,868 m³
2 parcels, Flanders, Wallonia · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Z & ELEC
since 20242.366.398.538
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22001B0038/00K000 | Flanders | 7,925 m² | 1 · 4,905 m² | 12.9 m · 2 fl. |
| 54434F1004/00N005 | Wallonia | 185 m² | 1 · 44 m² | 9.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
ERIC KEUSTERMANS
BE 0472.389.505
Kortenberg · Eq €5k
ARTRENO
BE 0816.616.769
Jodoigne · Eq €5k
BOSMANS INTERIEUR
BE 0695.891.559
Dendermonde · Eq €5k
DOMUTRON
BE 0774.889.943
Lede · Eq €5k
AUTONOMIQUE
BE 0791.575.626
Celles (lez-Tournai) · Eq €5k
Of 22,826 companies in sector 43211 we hold annual accounts for 10,327. 3,813 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-10-2024
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
43212Electrical installation work in industrial facilities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress 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.