The higher the Checked score (0 to 100), the smaller the chance that the company goes bankrupt within twelve months. That chance sets the band, from Critical to Excellent, and within the band how the company does against its sector peers counts too. With a low score, agree a shorter payment term, an advance or security.
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Bankruptcy probability within 12 months
Bankruptcy probability
It is the chance that the company goes bankrupt within twelve months, estimated from the registers, the annual accounts and the Belgian Official Gazette. At 0.2%, about 2 in 1,000 comparable companies go bankrupt. The higher it is, the shorter the payment term to agree.
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Financial strength
Financial strength
Financial strength measures the balance sheet and the results with three figures out of 100 from the latest annual accounts: solvency, liquidity and profitability. It does not directly set the Checked score's band. How the company does against its sector peers on these and on growth does count for its place within the band.
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Score breakdown
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Comparable companies, two years later
In July 2024, 11,278 companies had the same profile as ZAGRE has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
Micro
under 2 years old
solvency 30% or more
a profit of 5% of the balance sheet or more
Test of the method
The method was tested on the 497,762 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
The companies in ten equal groups, from the lowest to the highest expected share
Group
Expected
Actual
1
0.2%
0.2%
2
0.3%
0.5%
3
0.5%
0.6%
4
0.7%
0.8%
5
0.9%
0.9%
6
1.3%
1.5%
7
1.6%
1.8%
8
1.8%
1.8%
9
2.9%
3.1%
10
5.6%
6.1%
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 11,278 companies, not a prediction for ZAGRE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit verdict
The credit verdict says how much credit you can give the company on open account. “Acceptable” means normal terms, “With conditions” means limiting the amount or the term. “Not advised” means asking for payment up front.
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Credit check for an amount and term of your choice
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1028036088
Incorporation
Founding capital of €2,000, 100 shares · Appointment: Hidden nameVisible after signing in (director) · 100 shares · published on 26-09-2025 · Gazette deed
Sector peers are the companies with the same activity (NACE code) and, where stated, the same size, that the company is compared with. A percentile says how many of them do worse.
These companies have the same main activity as ZAGRE: medical imaging and medical laboratories (NACE 86910). They are comparable in size and age: total assets between €25,300 and €88,000, founded between 2024 and 2025.
ZAGRE has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33,456 and a net result of €31,456.
Its solvency ranks better than 54% of 21,322 sector peers (NACE 86, financial year 2025).
micro format, filed on 29-06-2026, 32 days before the deadline
Abbreviated and micro format
Small companies may file abbreviated or micro-format accounts. They often leave out revenue and other detail. The law allows it, so it is not missing data.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €130,000. Estimated: probably between €99,000 and €180,000.
Balance sheet
balance sheet total €49,598 on 31-12-2025
What the company ownsHow it is paid for
Position in the sector
Sector peers
Sector peers are the companies with the same activity (NACE code) and, where stated, the same size, that the company is compared with. A percentile says how many of them do worse.
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
A company files its annual accounts with the National Bank no later than seven months after its financial year ends. Repeated late filing is a warning sign.
per financial year, computed from the annual accounts
Line
Trend
2025
42,222
33,997
0
33,585
67.5%
3.10
0.48
94.0%
63.4%
over 100
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired
Investment
Investment is what the company bought in the financial year in buildings, machinery, software and other fixed assets. Above depreciation, it is building up. Years below it, it is living off what it has.
Item
2025
Financial fixed assets
€0
€2,541
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on ZAGRE
Debt's share of the balance-sheet total is 32.5%.
Board & ownership
Board
Directors
Many board changes in a short time are a reason to keep a close eye on the company.
1 director, since incorporation
Hidden nameVisible after signing in
Director (not named in the articles)
current term since 24-09-2025term without a fixed end
Each bar is one period in a role, from appointment to resignation or to today. An open left edge means the mandate began before its first mention. An open right edge means the mandate ended without a stated end date.
1 name, the dashed line is today
2025202620272028
Name after signing inVisible after signing in Director (not named in the articles)
Board
Mandates as a list
Name hiddenVisible after signing in
Director (not named in the articles), appointed by deed of 26-09-2025, still in office
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Board ruleThese rules set how the board is made up, meets and takes decisions.
“Totalité des pouvoirs, faculté de déléguer, chaque administrateur agissant seul peut accomplir tous les actes nécessaires ou utiles à…”
Share issue ruleThe articles set how and by whom new shares are issued.
“Libérées à leur émission, En cas d’actionnaire unique-administrateur, ce dernier détermine librement, au fur et à mesure des besoins de la…”
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Friday of June at 18:00
Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
Hidden nameVisible after signing in100 shares (100%) · €2,000 in cash
Network & group
No group
ZAGRE has no parent and no holdings in its annual accounts. Name after signing inVisible after signing in is the only director. ZAGRE shares no director with another company.
Timeline
Timeline
4 events since 2025
Filings
Establishments
20252026
2026
Annual accounts 2025 filedNBB ↗micro format · 32 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1028036088
IncorporationFounding capital of €2,000, 100 shares · Appointment: Name after signing inVisible after signing in (director) · 100 shares · published on 26-09-20257 points ▸
Founding capital, €2,000, 100 shares
100 shares
Registered office clause, Rue du Travail 8/11, 4102 Seraing
Board rule, 1
Director appointment, Name hiddenVisible after signing in (director (not named in the articles))
Power of attorney, Hidden nameVisible after signing in
Power of attorney, Name after signing inVisible after signing in
PurposeThe purpose describes the activities the company may carry out under its articles.
“Conclure tout contrat individuel avec tout exploitant d'un laboratoire de biologie clinique ou autre; Effectuer toutes prestations de…”
20 activities
Conclure tout contrat individuel avec tout exploitant d'un laboratoire de biologie clinique ou autre
Effectuer toutes prestations de biologie clinique et d'analyse médicale
Assurer l'interprétation et la validation des protocoles de résultats d'analyses
Couvrir des périodes de garde
Exercer la fonction de consultant en matière de biologie clinique dans les laboratoires
Évaluation, recrutement, formation spécifique et direction quotidienne du personnel du laboratoire
Évaluation scientifique, achat et vente de systèmes analytiques, réactifs et autres dispositifs utiles au fonctionnement d'un laboratoire selon des critères scientifiques/médicaux et économiques
Direction scientifique, économique et éthique d'un laboratoire de biologie clinique, de toxicologie, de bromatologie et d'analyses environnementales
Récupération et diffusion dans le respect des règles d'éthiques et du RGPD en vigueur des résultats d'analyses produites
Logistique, achat et vente de réactifs et autre matériel de laboratoire ainsi que de résultats d'analyses
Toute autre activité susceptible de favoriser son objet tant en matière indépendante que dans le cadre de contrats avec des établissements de soins ou des confrères médecins, dans le respect du Code de Déontologie Médicale
La mise à disposition des moyens nécessaires aux médecins pour exercer leur art au sein de la société
Toutes les recherches et toutes études en rapport avec son objet principal
La recherche et du développement de techniques scientifiques favorisant un diagnostic précis
Dispenser tous avis, donner tous cours et conférences et organiser tous séminaires dans le cadre de la pratique médicale
Toutes les opérations commerciales, mobilières ou immobilières, financières ou industrielles, se rapportant directement ou indirectement à son objet
La constitution, la gestion et la valorisation d'un patrimoine mobilier et immobilier, notamment par l'achat, la vente, la location, la mise en location, la construction, le tout au sens le plus large
S'intéresser par voie d'association, d'apport, de fusion, d'intervention financière ou autrement dans toutes sociétés, associations ou entreprises dont l'objet est identique, analogue ou connexe au sien ou susceptible de favoriser le développement de son entreprise ou de constituer pour elle une source de débouchés
Exercer les fonctions d'administrateur ou liquidateur dans d'autres sociétés
Se porter garant ou fournir des sûretés réelles pour des sociétés ou des personnes privées, au sens le plus large