ZAD CONSULTING
ActiveSummary
ZAD CONSULTING has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4k and a net result of €13k. Equity is shrinking by ~48.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 16% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency36▲+36
Growth58▲+26
Track record94
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five 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 62
Relative position
BE, all sectors
reference
Sector 62
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 17043 sector peers (2025).
NBB · sector comparisonPosition among 17043 sector peers
Solvency
better than 16%
← weakest
strongest →
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 13-02-2026, 168 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
168 d early
2024
28 d late
2023
68 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
€4k
2024 · €-9k
2023: €13k
2024: €-9k
2023 → 2025
Total assets
€33k▲ 287%
2024 · €8k
2023: €31k
2024: €8k
2023 → 2025
Net result
€13k
2024 · €-22k
2023: €10k
2024: €-22k
2023 → 2025
Working capital
€2k
2024 · €-17k
2023: €-1k
2024: €-17k
2023 → 2025
Multi-year overview
Available amounts per fiscal year
Line202320242025Trend
Equity€13k-€-9k€4k
Operating result€13k-€-22k€13k
Net result€10k-€-22k€13k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €13k after a loss of €22k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €33k
Fixed assets
€2k ▼ 78.1%
Current assets
€31k ▲ 4,214%
Equity and liabilities €33k
Equity
€4k
Debt
€29k
Debt finances 88.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€19k▲
2024 · €-16k
Cash flow
€19k▲
2024 · €-16k
Current ratio
1.07▲
2024 · 0.04
Debt to equity
7.91▲
2024 · -1.91
ROE
352.5%
ROA
39.6%▲
2024 · -259.6%
Interest coverage
262.27▲
2024 · -164.44
Debt ≤ 1 year
€29k▲
2024 · €18k
Income taxes
€56▼
2024 · €128
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 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€8k€33k▲
Fixed assets21/28€8k€2k▼
Tangible fixed assets22/27€8k€2k▼
Furniture and vehicles24€8k€2k▼
Current assets29/58€715€31k▲
Amounts receivable within one year40/41€453€16k▲
Trade receivables40€0€16k▲
Other amounts receivable41€453€0▼
Cash at bank and in hand54/58€262€15k▲
Equity and liabilities
Total equity and liabilities10/49€8k€33k▲
Equity10/15€-9k€4k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-12k€652▲
Amounts payable17/49€18k€29k▲
Amounts payable within one year42/48€18k€29k▲
Trade debts44€2k€245▼
Suppliers440/4€2k€245▼
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€4k€5k▲
Other amounts payable47/48€12k€23k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼
Other operating charges640/8€401€812▲
Gross operating margin9900€-15k€20k▲
Operating profit (loss)9901€-22k€13k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€95€73▼
Recurring financial charges65€95€73▼
Profit (loss) for the period before taxes9903€-22k€13k▲
Income taxes67/77€128€56▼
Profit (loss) for the period9904€-22k€13k▲
Profit (loss) for the period to be appropriated9905€-22k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€652▲
Profit (loss) brought forward from the previous period14P€10k€-12k▼
The notes to these accounts (13 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
13-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
31-12
Financial
Liquidity times 26current ratio 1.07
Current ratio from 0.04 to 1.07.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €-22k ▼327%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Evere · 1 establishment unit since 2022
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.
Goede Herderstraat 541140 EvereGround area
8,786 m²
Building footprint
818 m²
Volume, LiDAR
13,922 m³
2 parcels, Brussels · tallest building 22.9 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
ZAD CONSULTING
since 20222.340.345.130
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21006A0199/00T007 | Brussels | 8,547 m² | 1 · 735 m² | 22.9 m · 7 fl. |
| 21001A0339/00V003 | Brussels | 239 m² | 1 · 83 m² | 11.8 m · 3 fl. |
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.
Similar companies · same sector, comparable size
RELMO TECH
BE 1007.151.196
Antwerpen · Eq €3,649
CHIRONE
BE 0794.607.667
La Louvière · Eq €3,648
D2DAY
BE 0789.801.615
Aiseau-Presles · Eq €3,643
DMD Design
BE 0669.704.133
Herzele · Eq €3,641
LOGIC-E-DEV
BE 1007.503.168
Courcelles · Eq €3,669
Of 16,884 companies in sector 62100 we hold annual accounts for 8,775. 2,473 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
Founded14-10-2022
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.