Zaayou
ActiveZaayou has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91k and a net result of €17k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 46% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-17
Solvency83▲+10
Growth78=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 1.06 in 2024; short-term debt: 41.5% and cash: 13.8% of total assets), and 41.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
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
58.5%
Return on assets
11.2%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year €91k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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 · 5 filingsDeviation from the deadline
2025
7 d late
2024
7 d late
2023
19 d late
2022
59 d late
2021
19 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€91k▲ 23.6%
2024 · €74k
2021: €3k
2022: €-823
2023: €8k
2024: €74k
2021 → 2025
Total assets
€156k▲ 0.8%
2024 · €155k
2021: €73k
2022: €71k
2023: €152k
2024: €155k
2021 → 2025
Net result
€17k▼ 73.5%
2024 · €66k
2021: €-1k
2022: €-4k
2023: €34k
2024: €66k
2021 → 2025
Working capital
€16k▲ 242%
2024 · €5k
2021: €-2k
2022: €-8k
2023: €-63k
2024: €5k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3k-€-823€8k€74k▲ 824%€91k▲ 23.6%
Operating result€-1k-€-3k▼ 185%€45k€91k▲ 103%€24k▼ 73.6%
Net result€-1k-€-4k▼ 175%€34k€66k▲ 94.4%€17k▼ 73.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 74% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €156k
Fixed assets
€75k▲ 9.2%
Current assets
€80k▼ 6.0%
Equity and liabilities €156k
Equity
€91k▲ 23.6%
Debt
€65k▼ 20.1%
The debt ratio falls from 52.3% to 41.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€41k▼
2024 · €99k
Cash flow
€35k▼
2024 · €74k
Solvency
58.5%▲
2024 · 47.7%
Current ratio
1.24▲
2024 · 1.06
Quick ratio
1.24▲
2024 · 1.06
Debt / equity
0.71▼
2024 · 1.10
ROE
19.1%▼
2024 · 89.2%
ROA
11.2%▼
2024 · 42.5%
Interest coverage
681.04▼
2024 · 1668.85
Debt
€65k▼
2024 · €81k
Debt ≤ 1 year
€65k▼
2024 · €81k
Income taxes
€6k▼
2024 · €25k
Staff costs
€181k▲
2024 · €93k
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€155k€156k▲
Fixed assets21/28€69k€75k▲
Tangible fixed assets22/27€69k€75k▲
Land and buildings22€53k€51k▼
Plant, machinery and equipment23€7k€15k▲
Furniture and vehicles24€10k€8k▼
Other tangible fixed assets26-€2k
Current assets29/58€85k€80k▼
Amounts receivable within one year40/41€64k€57k▼
Trade receivables40€64k€48k▼
Other amounts receivable41-€9k
Cash at bank and in hand54/58€21k€21k▲
Deferred charges and accrued income490/1€128€2k▲
Equity and liabilities
Total equity and liabilities10/49€155k€156k▲
Equity10/15€74k€91k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€70k€87k▲
Amounts payable17/49€81k€65k▼
Amounts payable within one year42/48€81k€65k▼
Trade debts44€53k€47k▼
Suppliers440/4€53k€47k▼
Taxes, remuneration and social security45€28k€18k▼
Taxes450/3€21k€11k▼
Remuneration and social security454/9€7k€6k▼
Income statement
Code20242025
Non-recurring operating income76A€24k-
Remuneration, social security and pensions62€93k€181k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€17k▲
Other operating charges640/8€74€2k▲
Gross operating margin9900€192k€224k▲
Operating profit (loss)9901€91k€24k▼
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€59€60▲
Recurring financial charges65€59€60▲
Profit (loss) for the period before taxes9903€91k€24k▼
Income taxes67/77€25k€6k▼
Profit (loss) for the period9904€66k€17k▼
Profit (loss) for the period to be appropriated9905€66k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€70k€87k▲
Profit (loss) brought forward from the previous period14P€4k€70k▲
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
Next filing, fiscal year 2026, expected by
2026
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
31-12
Financial
Highest result since 2021net €66k ▲94.4%
Operating result €91k, net result €66k, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Back to profitnet €34k
Net result €34k after 2 loss-making years.
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
31-12
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Liège · 1 establishment unit since 2021
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.
Avenue de Nancy 314020 LiègeGround area
168 m²
Building footprint
52 m²
Volume, LiDAR
527 m³
Parcel 62809C0191/00M002, Wallonia · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ZAAYOU
since 20212.315.434.342
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62809C0191/00M002indicative | Wallonia | 168 m² | 1 · 52 m² | 11.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 5,983 companies in sector 86940 we hold annual accounts for 1,808. 1,549 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-03-2021
Fiscal year end31-12
Activities, NACEBEL
86906Human health activities
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress 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.