Z&Z
ActiveZ&Z has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €420k and a net result of €76k. Equity is growing by ~28.5% per year across the filed fiscal years. Its solvency ranks better than 88% of 13071 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+16
Solvency100=
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 5.27 against 8.63 in 2024), and 22.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
77.2%
Return on assets
14.1%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
18 d late
2023
on the day
2022
33 d late
2021
292 d late
2020
24 d early
2019
3 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€420k▲ 22.3%
2024 · €343k
2019: €60k
2020: €95k
2021: €161k
2022: €218k
2023: €292k
2024: €343k
2019 → 2025
Total assets
€544k▲ 27.5%
2024 · €426k
2019: €171k
2020: €186k
2021: €328k
2022: €337k
2023: €406k
2024: €426k
2019 → 2025
Net result
€76k▲ 47.6%
2024 · €52k
2019: €64k
2020: €35k
2021: €67k
2022: €57k
2023: €73k
2024: €52k
2019 → 2025
Working capital
€361k▲ 34.3%
2024 · €269k
2019: €7k
2020: €38k
2021: €61k
2022: €128k
2023: €197k
2024: €269k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€161k-€218k▲ 35.1%€292k▲ 33.6%€343k▲ 17.8%€420k▲ 22.3%
Operating result€91k-€86k▼ 5.8%€104k▲ 21.3%€78k▼ 25.4%€110k▲ 42.1%
Net result€67k-€57k▼ 14.9%€73k▲ 29.5%€52k▼ 29.4%€76k▲ 47.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 42% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €544k
Fixed assets
€98k▼ 19.8%
Current assets
€445k▲ 46.6%
Equity and liabilities €544k
Equity
€420k▲ 22.3%
Debt
€124k▲ 49.0%
The debt ratio rises from 19.5% to 22.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€140k▲
2024 · €113k
Cash flow
€106k▲
2024 · €87k
Solvency
77.2%▼
2024 · 80.5%
Current ratio
5.27▼
2024 · 8.63
Quick ratio
5.25▼
2024 · 8.44
Debt / equity
0.30▲
2024 · 0.24
ROE
18.2%▲
2024 · 15.1%
ROA
14.1%▲
2024 · 12.1%
Interest coverage
23.71▲
2024 · 21.52
Debt
€124k▲
2024 · €83k
Debt ≤ 1 year
€84k▲
2024 · €35k
Debt > 1 year
€39k▼
2024 · €48k
Income taxes
€28k▲
2024 · €21k
Staff costs
€31k▼
2024 · €35k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€426k€544k▲
Fixed assets21/28€123k€98k▼
Intangible fixed assets21€10k-
Tangible fixed assets22/27€109k€98k▼
Land and buildings22€103k€87k▼
Plant, machinery and equipment23€5k€11k▲
Furniture and vehicles24€353€287▼
Financial fixed assets28€4k-
Current assets29/58€304k€445k▲
Stocks and contracts in progress3€7k€2k▼
Stocks30/36€7k€2k▼
Amounts receivable within one year40/41€230k€304k▲
Trade receivables40€4k-
Other amounts receivable41€226k€304k▲
Cash at bank and in hand54/58€65k€136k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€426k€544k▲
Equity10/15€343k€420k▲
Contributions10/11€20k€20k=
Reserves13€323k€400k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€321k€398k▲
Amounts payable17/49€83k€124k▲
Amounts payable after more than one year17€48k€39k▼
Financial debts170/4€48k€39k▼
Amounts payable within one year42/48€35k€84k▲
Current portion of amounts payable after more than one year42€7k€9k▲
Trade debts44€6k€27k▲
Suppliers440/4€6k€27k▲
Taxes, remuneration and social security45€22k€48k▲
Taxes450/3€22k€48k▲
Accrued charges and deferred income492/3€230€230=
Income statement
Code20242025
Remuneration, social security and pensions62€35k€31k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€29k▼
Other operating charges640/8€5k€2k▼
Gross operating margin9900€153k€172k▲
Operating profit (loss)9901€78k€110k▲
Financial income75/76B€550€391▼
Recurring financial income75€550€391▼
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€73k€105k▲
Income taxes67/77€21k€28k▲
Profit (loss) for the period9904€52k€76k▲
Profit (loss) for the period to be appropriated9905€52k€76k▲
Appropriation of the result
Profit (loss) to be appropriated9906€52k€76k▲
Transfer to equity691/2€52k€76k▲
To other reserves6921€52k€76k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €76k ▲47.6%
Operating result €110k, net result €76k, both a record.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 33 days late
16-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 292 days late
2022
30-09
Financial
Liquidity doublescurrent ratio 3.44
Current ratio from 1.67 to 3.44; short-term debt falls from €92k to €53k.
30-09
Financial
Equity above €200kEq €218k ▲35.1%
4 profitable years in a row build equity to €218k.
2021
30-09
Financial
Equity above €150kEq €161k ▲70.2%
3 profitable years in a row build equity to €161k.
06-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €35k ▼45.1%
Net result drops to €35k, the lowest in the series; recovery starts the following year.
27-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
28-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Oud-Turnhout · 1 establishment unit since 2001
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.
Donk 512360 Oud-TurnhoutGround area
904 m²
Building footprint
201 m²
Volume, LiDAR
1,261 m³
Parcel 13483I0777/00V000, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Frituur Den Tip
since 20012.100.437.109
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13483I0777/00V000 | Flanders | 904 m² | 1 · 201 m² | 10.8 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteOud-Turnhout2.100.437.109
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Of 21,627 companies in sector 56112 we hold annual accounts for 9,654. 4,861 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-04-2000
Fiscal year end31-12
Activities, NACEBEL
55302
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.