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Z&NB GROOP

Active
Private limited companyfounded 2025active for 1 year2e Carabinierslaan 38, 3620 Lanaken, BelgiumKBO/BCE: BE 1020.647.955
Summary

The computed 12-month bankruptcy probability of Z&NB GROOP is 15.9% (high). The 2025 annual accounts show equity of €502 and a net result of -€498. Its solvency ranks better than 54% of 34,718 sector peers (NACE 43, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency signals. The KBO does carry 2 administrative register entries (see administrative flags).

Risk analysisFollow ReportCompare
Z&NB GROOPActiveChecked score 16/100
Risk analysis ReportCompare

Overview

Activity
Other building finishing work
NACE 43350Retail sale of cars and light vans (up to 3.5 tonnes) NACE 47811
1 site
Size
€1,000total assets 2025
Equity
€502
Loss
-€498
Turnover not published (micro format)
Financial health
16 Critical Checked score 2025
Bankruptcy probabilitywithin 12 months
15.9%
Structure
2025 accounts filed 26 days late
Why 16raises risk3 changes of registered office in 24 monthsFounded in 2025Ex-officio strike-off in the KBOLiquidity: current ratio 2.01Show the evidence

Checked score

Score 2025
16 / 100
Critical
Probability in this band: over 15.0%
Financially better than 34% of its sector peers (NACE 43, micro)
Every signal that counts is listed under Signals.
Financial strength
Weak
Solvency 75
equity 50.2% of total assets
Liquidity 50
short-term debt 49.8%
Profitability 0
return on assets -49.8%
Bankruptcy probability, 12 months
15.9% High
0%0.5%1.5%4%10%≥ 25%

About 1 in 6 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,640 companies, NACE 43, micro)
Last 24 months 04-2026: 7.9%lowest value 05-2026: 8.1%▲ +0.2 percentage points vs 04-2026 06-2026: 15.3%▲ +7.2 percentage points vs 05-2026 07-2026: 15.6%▲ +0.3 percentage points vs 06-2026 08-2026: 16.3%▲ +0.7 percentage points vs 07-2026highest value 09-2026: 15.5%▼ -0.8 percentage points vs 08-2026 10-2026: 15.9%▲ +0.4 percentage points vs 09-2026
No credit on open account
balance sheet total too small for a liquidity verdict.
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 43, micro): better than 54% on solvency, 44% on liquidity and 4% on profitability.

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.
raises risk
raises risk · 3 changes of registered office in 24 months
Belgian Official Gazette
raises risk · Founded in 2025
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · Ex-officio strike-off in the KBO
KBO publications
raises risk · Liquidity: current ratio 2.01
NBB · annual accounts
raises risk · 2025 accounts filed 26 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filing
Deviation from the deadline
2025
26 days late
← before the deadline after the deadline →
raises risk · Administrative warnings in the KBO publications
2 publications by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or their withdrawal.
KBO publications
Publications
Address struckAddress strikeout annulled
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Address strikeout annulledKBO administration
  3. Registered officeRegistered-office move

Key points

  • Caution: Among the weakest 10% on equitysector median €57,815 · 34,730 companies €502 View
  • Board2 directors in office 2 View
  • Total assets 2025first financial year filed €1,000 View

By topic

Financials

Financial year
2025
Total assets
€1,000
Loss
-€498
Solvency
50.2%
Go to Financials

Timeline

Events
7
Since
2025
  1. 05-05-2026Address struck
  2. 18-12-2025Resignation: Abdulla Aziz Omed (director)
  3. 28-04-2025Resignation: De Oliveira Meisch Ivan (director)
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other building finishing workNACE 43350
Founded
04-03-2025
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
29
Annual meeting
Last Thursday of June at 18:00
Purpose
“46419 Textiel; 46520 – 47420 – 61200 Aan en verkoop van telefonie en telecommunicatie…” (deed in Dutch)
Go to Articles of association

Key facts about Z&NB GROOP

What is the company number of Z&NB GROOP?
1020.647.955. In Belgium the VAT number is the company number with BE in front: BE 1020.647.955.
Where is Z&NB GROOP based?
The registered office is at 2e Carabinierslaan 38, 3620 Lanaken.Company details
What does Z&NB GROOP do?
According to the KBO register, the main activity is other building finishing work (NACE 43350).
What is the legal form of Z&NB GROOP?
Private limited company (BV).
When was Z&NB GROOP founded?
On 04-03-2025.
Is Z&NB GROOP still active?
Yes, Z&NB GROOP is an active enterprise in the KBO register.
What is the turnover of Z&NB GROOP?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is Z&NB GROOP profitable?
In financial year 2025, Z&NB GROOP made a loss of €498.
Where can I find the annual accounts of Z&NB GROOP?
Z&NB GROOP filed 1 annual account with the National Bank of Belgium, for financial year 2025.

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How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check 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

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