Zaco Consultancy
ActiveSummary
Zaco Consultancy has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.66M and a net result of €121k. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 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
Profitability78▲+1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
short-term debt: 0.6% and cash: 18.1% of total assets, and 0.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
99.3%
Return on assets
7.3%
Age of the figures
9 mo
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
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
22 d early
2023
68 d late
2022
25 d late
2021
390 d late
2020
89 d late
2019
25 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.66M▲ 7.9%
2024 · €1.54M
2018: €1.11M
2019: €1.24M
2020: €1.38M
2021: €1.51M
2022: €1.30M
2023: €1.42M
2024: €1.54M
2018 → 2025
Total assets
€1.67M▲ 2.4%
2024 · €1.63M
2018: €1.30M
2019: €1.35M
2020: €1.46M
2021: €1.59M
2022: €1.39M
2023: €1.45M
2024: €1.63M
2018 → 2025
Net result
€121k▲ 6.4%
2024 · €114k
2018: €146k
2019: €129k
2020: €140k
2021: €127k
2022: €30k
2023: €120k
2024: €114k
2018 → 2025
Working capital
€1.29M▲ 12.3%
2024 · €1.15M
2018: €768k
2019: €933k
2020: €1.27M
2021: €1.37M
2022: €932k
2023: €1.00M
2024: €1.15M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.51M-€1.30M▼ 13.6%€1.42M▲ 9.2%€1.54M▲ 8.0%€1.66M▲ 7.9%
Operating result€178k-€42k▼ 76.2%€185k▲ 337%€255k▲ 37.5%€169k▼ 33.7%
Net result€127k-€30k▼ 76.2%€120k▲ 300%€114k▼ 5.4%€121k▲ 6.4%
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 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.67M
Fixed assets
€367k ▼ 5.2%
Current assets
€1.30M ▲ 4.7%
Equity and liabilities €1.67M
Equity
€1.66M ▲ 7.9%
Debt
€12k ▼ 87.7%
Debt's share of the balance-sheet total falls from 5.8% to 0.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€191k▼
2024 · €289k
Cash flow
€143k▼
2024 · €148k
Debt to equity
0.01▼
2024 · 0.06
ROE
7.3%▼
2024 · 7.4%
ROA
7.3%▲
2024 · 7.0%
Interest coverage
33.54▼
2024 · 68.42
Debt ≤ 1 year
€10k▼
2024 · €92k
Debt > 1 year
€2k=
2024 · €2k
Income taxes
€55k▼
2024 · €152k
A ratio outside any meaningful range has been withheld (balance sheet total €1.67M, equity €1.66M).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.63M€1.67M▲
Fixed assets21/28€387k€367k▼
Tangible fixed assets22/27€387k€367k▼
Land and buildings22€382k€362k▼
Furniture and vehicles24€5k€4k▼
Current assets29/58€1.24M€1.30M▲
Amounts receivable within one year40/41€115k€117k▲
Trade receivables40€24k€29k▲
Other amounts receivable41€91k€88k▼
Current investments50/53€709k€880k▲
Cash at bank and in hand54/58€416k€301k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€1.63M€1.67M▲
Equity10/15€1.54M€1.66M▲
Contributions10/11€12k€12k=
Reserves13€393k€514k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€391k€512k▲
Profit (loss) carried forward14€1.13M€1.13M=
Amounts payable17/49€94k€12k▼
Amounts payable after more than one year17€2k€2k=
Other amounts payable178/9€2k€2k=
Amounts payable within one year42/48€92k€10k▼
Trade debts44€434€911▲
Suppliers440/4€434€911▲
Taxes, remuneration and social security45€92k€9k▼
Taxes450/3€92k€9k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€22k▼
Other operating charges640/8€4k€5k▲
Gross operating margin9900€293k€196k▼
Operating profit (loss)9901€255k€169k▼
Financial income75/76B€15k€13k▼
Recurring financial income75€15k€13k▼
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€266k€176k▼
Income taxes67/77€152k€55k▼
Profit (loss) for the period9904€114k€121k▲
Profit (loss) for the period to be appropriated9905€114k€121k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.24M€1.25M▲
Profit (loss) brought forward from the previous period14P€1.13M€1.13M=
Transfer to equity691/2€114k€121k▲
To other reserves6921€114k€121k▲
The notes to these accounts (7 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 10current ratio 133.43
Current ratio from 13.46 to 133.43; short-term debt falls from €92k to €10k.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 390 days late
2022
31-12
Financial
Weakest financial yearnet €30k ▼76.2%
Net result drops to €30k, the lowest in the series; recovery starts the following year.
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 89 days late
2020
31-12
Financial
Liquidity times 41current ratio 1666.61
Current ratio from 40.28 to 1666.61; short-term debt falls from €24k to €765.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 25 days late
2019
31-12
Financial
Liquidity times 5current ratio 40.28
Current ratio from 8.44 to 40.28; short-term debt falls from €103k to €24k.
07-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 68 days late
Show earlier events
22-07
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
2018
10-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 41 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 58 days late
Financial milestoneState Gazette actNBB 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, Tessenderlo-Ham · 1 establishment unit since 2008
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.
Asdonkstraat 23A3980 Tessenderlo-HamGround area
6,459 m²
Building footprint
488 m²
Volume, LiDAR
1,254 m³
2 parcels, Flanders · tallest building 9.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Zaco Consultancy
since 20082.169.724.605
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72030D0958/00K008 | Flanders | 5,387 m² | 1 · 338 m² | 7.1 m · 1 fl. |
| 71364D0647/00E002 | Flanders | 1,072 m² | 1 · 150 m² | 9.0 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
4 locations
Recognitions · licences · registrations
Legal Entity Identifier
8945000J2X8FDAW31W55
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 5,806 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-03-2008
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.