Z&G GROUP
ActiveThe computed 12-month bankruptcy probability of Z&G GROUP is 2.3% (moderate). The 2024 annual accounts show equity of €33k and a net result of €-919. Its solvency ranks better than 95% of 26046 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
43
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability15
Solvency100
Growth-
Track record85
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
cash: 0.1% of total assets, and 0% of the assets are financed with debt.
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 · 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 · 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 · 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 2024Solvency, return and age of the figures
Solvency
100%
Return on assets
-2.8%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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
2024
60 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€33k
Total assets
€33k
Net result
€-919
Working capital
Not included in this filing
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €33k
Fixed assets
€251
Current assets
€33k
Key figures and ratios
EBITDA
€-528
Cash flow
€-663
Solvency
100.0%
ROE
-2.8%
ROA
-2.8%
Interest coverage
-3.91
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€33k
Fixed assets21/28€251
Tangible fixed assets22/27€251
Plant, machinery and equipment23€251
Current assets29/58€33k
Amounts receivable within one year40/41€33k
Other amounts receivable41€33k
Cash at bank and in hand54/58€24
Equity and liabilities
Total equity and liabilities10/49€33k
Equity10/15€33k
Contributions10/11€25k
Profit (loss) carried forward14€8k
Income statement
Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€256
Other operating charges640/8€528
Operating profit (loss)9901€-784
Financial charges65/66B€135
Recurring financial charges65€135
Profit (loss) for the period before taxes9903€-919
Profit (loss) for the period9904€-919
Profit (loss) for the period to be appropriated9905€-919
Appropriation of the result
Profit (loss) to be appropriated9906€8k
Profit (loss) brought forward from the previous period14P€9k
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
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 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, Gent · 1 establishment unit since 2020
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.
Pleispark 179051 GentGround area
3,171 m²
Building footprint
185 m²
Volume, LiDAR
1,180 m³
Parcel 44062B0374/00E002, Flanders · tallest building 16.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Z&G GROUP
since 20202.307.245.463
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44062B0374/00E002 | Flanders | 3,171 m² | 1 · 185 m² | 16.0 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 8,557 EUR awarded · 8,557 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 8,557 EUR | 8,557 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
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Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 4,485 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-09-2020
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47811Retail sale of cars and light vans (up to 3.5 tonnes)
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@zg-group.be
Phone:0485/69.93.49