Z7

Active

Private limited companyfounded 20233 yrs activePoelierstraat 6, 9160 Lokeren, BelgiumKBO/BCE: BE 0805.627.857

The computed 12-month bankruptcy probability of Z7 is 2.2% (moderate). The 2025 annual accounts show equity of €278k and a net result of €136k. Its solvency ranks better than 34% of 7321 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

83 / 100

Excellent▼ -3 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency58▼-20

Growth52

Stability94

Bankruptcy probability, 12 months

2.2% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €23k at 30 days acceptable

Liquidity ample (current ratio 1.6 against 5.15 in 2024), but 71.3% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

28.7%

Return on assets

14.1%

Age of the figures

15 mo

Filed after the deadline

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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 · 2 filings

Deviation from the deadline

2025

2 d late

2024

4 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

30-06-2026 close16-09-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€278k▲ 95.8%

2024 · €142k

2024: €142k

2024 → 2025

Total assets

€967k▲ 141%

2024 · €402k

2024: €402k

2024 → 2025

Net result

€136k▼ 2.1%

2024 · €139k

2024: €139k

2024 → 2025

Working capital

€158k▼ 50.3%

2024 · €319k

2024: €319k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€142k-€278k▲ 95.8%

Operating result€179k-€173k▼ 3.4%

Net result€139k-€136k▼ 2.1%

Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 3% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €967k

56.2%

43.8%

Fixed assets €543k▲ 10,116%

Current assets €424k▲ 7.1%

Equity and liabilities €967k

28.7%

71.3%

Equity €278k▲ 95.8%

Debt €689k▲ 165%

The debt ratio rises from 64.7% to 71.3%: debt grows faster than equity.

Key figures and ratios

2025 value · change against 2024

EBITDA

€205k▲

2024 · €185k

Cash flow

€168k▲

2024 · €144k

Solvency

28.7%▼

2024 · 35.3%

Current ratio

1.60▼

2024 · 5.15

Quick ratio

1.60▼

2024 · 5.15

Debt / equity

2.48▲

2024 · 1.83

ROE

48.9%▼

2024 · 97.9%

ROA

14.1%▼

2024 · 34.6%

Interest coverage

33.28▼

2024 · 335.57

Debt

€689k▲

2024 · €260k

Debt ≤ 1 year

€265k▲

2024 · €77k

Debt > 1 year

€424k

Income taxes

€31k▼

2024 · €40k

Staff costs

€285k▲

2024 · €176k

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€402k€967k▲

Formation expenses20€559€0▼

Fixed assets21/28€5k€543k▲

Tangible fixed assets22/27€5k€534k▲

Plant, machinery and equipment23€3k€191k▲

Furniture and vehicles24€2k€343k▲

Financial fixed assets28-€9k

Current assets29/58€396k€424k▲

Amounts receivable within one year40/41€183k€264k▲

Trade receivables40€142k€157k▲

Other amounts receivable41€41k€107k▲

Cash at bank and in hand54/58€211k€154k▼

Deferred charges and accrued income490/1€1k€5k▲

Equity and liabilities

Total equity and liabilities10/49€402k€967k▲

Equity10/15€142k€278k▲

Contributions10/11€3k€3k=

Reserves13€139k€275k▲

Distributable reserves133€139k€275k▲

Amounts payable17/49€260k€689k▲

Amounts payable after more than one year17-€424k

Financial debts170/4-€424k

Amounts payable within one year42/48€77k€265k▲

Current portion of amounts payable after more than one year42-€115k

Trade debts44€24k€59k▲

Suppliers440/4€24k€59k▲

Taxes, remuneration and social security45€51k€91k▲

Taxes450/3€40k€64k▲

Remuneration and social security454/9€11k€27k▲

Other amounts payable47/48€1k€0▼

Accrued charges and deferred income492/3€183k€0▼

Income statement Code20242025

Remuneration, social security and pensions62€176k€285k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€32k▲

Other operating charges640/8€902€2k▲

Non-recurring operating charges66A-€2k

Gross operating margin9900€361k€494k▲

Operating profit (loss)9901€179k€173k▼

Financial income75/76B-€37

Recurring financial income75-€37

Financial charges65/66B€550€6k▲

Recurring financial charges65€550€6k▲

Profit (loss) for the period before taxes9903€179k€167k▼

Income taxes67/77€40k€31k▼

Profit (loss) for the period9904€139k€136k▼

Profit (loss) for the period to be appropriated9905€139k€136k▼

Appropriation of the result

Profit (loss) to be appropriated9906€139k€136k▼

Transfer to equity691/2€139k€136k▼

To other reserves6921€139k€136k▼

Social balance

Average headcount (FTE)90870.0-

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 31-01-2027

2026

02-02

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 2 days late

2025

30-06

Financial Equity above €200kEq €278k ▲95.8%

2 profitable years in a row build equity to €278k.

04-02

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema · 4 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

0 of 2 acts read

About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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