Financials
- Fiscal year
- 2025
- Total assets
- €31,362
- Profit
- €540
- Solvency
- -6.2%
Total assets▲ 49.7%
Net result
20182025
Z & M
ActiveSummary
Z & M has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€1,931) and a net result of €540. Equity is growing by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 26% of 5053 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Overview
What they do
Other personal services
NACE 96999NACE 93053NACE 96099
#10 oldest company in Lier, Other services sector1 site
How big
€31,362total assets 2025
- Equity
- -€1,931
- Profit
- €540
Turnover not published (abridged schema)
Who decides
Accounts filed 46 d late0 of 1 deed read
Why 54- Annual accounts: weaker financial profile+ Long track recordFiled after the deadlineShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability71=
Solvency19▲+6
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.88 against 0.83 in 2024; short-term debt: 96.6% and cash: 18.9% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 2025Solvency, return and age of the figures
Solvency
-6.2%
Return on assets
1.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-09-2026, 46 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
46 d late
2024
30 d late
2023
29 d late
2022
31 d late
2021
30 d late
2020
6 d late
2019
66 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 34 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.
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. Usually files around 30 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
Key points
By topic
Timeline
- Events
- 13
- Since
- 2017
- Next accounts
- by 31-07-2027
- 15-09-2026Annual accounts filed
- 30-08-2025Annual accounts filed
- 29-08-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company (pre-2019)
- Activity
- Other personal servicesNACE 96999
- Founded
- 23-05-2003
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.