Active BE 0783.447.719Private limited company

Zahra

Zeedijk 158 ·8370 Blankenberge, Belgium· 4 yrs active

Sector: Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires (algemeen assortiment) (47716)

Conclusion Checked

The computed 12-month bankruptcy probability of Zahra is 4.7% (elevated). The 2024 annual accounts show negative equity (€-85k) and a net result of €1k. Its solvency ranks better than 13% of 6722 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Key figures

Equity	€-85k
Net result	€1k
Better than sector	13%
Active	4 yrs

Financial profile 5 of 5 axes measured · computed by Checked

42 / 100

Fragile profile, watch profitability in particular.

All 5 axes are computed from data Checked has read.

Health 18

Profitability 11

Solvency 33

Growth 52

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

4.7% Elevated

0%0,5%1,5%4%10%≥25%

Young company +Multiple establishment units +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2024 · computed

18 / 100 Critical

050100

Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview2 NBB filings

Annual accounts filed on 02-01-2026 with the NBB · fiscal year 2024 · micro

RevenueOperating resultNet result

Sector comparison

Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	-54.8%	20.4%	better than 13% of 6722 sector peers
Net result	€1k	€4k	better than 42% of 6703 sector peers
Equity	€-85k	€16k	better than 5% of 6737 sector peers
Gross operating margin	€43k	€24k	better than 62% of 6682 sector peers
Staff costs	€35k	€33k	higher than 52% of 3049 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Revenue

€311k

-30.1% 23-24

EBITDA

€4k

- 23-24

Net profit

€1k

- 23-24

Cash flow

€4k

- 23-24

Total assets

€155k

+59.5% 23-24

Equity

€-85k

+1.5% 23-24

Working capital

€-134k

-54.4% 23-24

Staff costs

€35k

-35.3% 23-24

Show 11 other metrics

Debt

€241k

+30.8% 23-24

Debt ≤ 1y

€241k

+30.8% 23-24

Current ratio

0.44

-16.1% 23-24

Quick ratio

0.01

-80.7% 23-24

Solvency

-54.8%

+38.3% 23-24

Debt / equity

-2.82

-32.8% 23-24

ROE

-1.5%

- 23-24

ROA

0.8%

- 23-24

Net margin

0.4%

- 23-24

EBITDA margin

1.4%

- 23-24

Interest coverage

21.26

- 23-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	€311k
EBITDA	€4k
Net profit	€1k
Cash flow	€4k
Staff costs	€35k
Income taxes	-
Dividends	-
Total assets	€155k
Equity	€-85k
Debt	€241k
of which ≤ 1y	€241k
of which > 1y	-
Working capital	€-134k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	0.44
Quick ratio	0.01
Working capital ratio	-86.0%
Solvency	-54.8%
Debt / equity	-2.82
Long-term debt ratio	-
Interest coverage	21.26
Gross margin	13.8%
Net margin	0.4%
ROA	0.8%
ROE	-1.5%
EBITDA margin	1.4%
Days sales outstanding	-
Days payable outstanding	18d
Inventory turnover	2.58
Days inventory (DSI)	141d

Balance-sheet composition 2024

Assets

Fixed assets €48k · 31.2% Current assets €107k · 68.8%

Full annual accounts (21 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€155k
Fixed assets	21/28	€48k
Tangible fixed assets	22/27	€48k
Current assets	29/58	€107k
Stocks & contracts in progress	3	€104k
Cash & bank	54/58	€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€155k
Equity	10/15	€-85k
Contributions / capital	10/11	€1k
Accumulated profits (losses)	14	€-86k
Amounts payable	17/49	€241k
Amounts payable within one year	42/48	€241k
Trade debts payable within one year	44	€13k
Income statement
Turnover	70	€311k
Gross operating margin	9900	€43k
Operating result	9901	€1k
Financial income	75	€50
Financial charges	65	€211
Result before taxes	9903	€1k
Net result for the period	9904	€1k
Result to be appropriated	9905	€1k

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires (algemeen assortiment)(47716)
Legal form	Private limited company(610)
Incorporation	15-03-2022
Status	Active
Postal code	8370

Establishment units 3 locations

New Collection

Zeedijk 158, 8370 BlankenbergeDetailhandel in baby- en kinderbovenkleding

since 20222.329.190.823

Outfit

Kerkstraat 52-54, 8370 BlankenbergeDetailhandel in baby- en kinderbovenkleding

since 20232.343.441.608

Sac et Soleil

Zeedijk 175, 8370 BlankenbergeDetailhandel in baby- en kinderbovenkleding

since 20242.380.322.491

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 3 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31602A0859/00Z021	Flanders	1,898 m²	1 · 1,842 m²	37.0 m · 7 fl.
31602A0858/00A005	Flanders	921 m²	1 · 472 m²	36.1 m · 10 fl.
31602A0531/00B002	Flanders	253 m²	1 · 243 m²	17.6 m · 4 fl.

Methodology

via registered seat: 1 · via establishment units: 2

3 of 3 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

02-01-2026

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

23-09-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

17-04-2023

State Gazette act Registered-office change

Belgian State Gazette reading coverage 0 of 2 acts read

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.

Belgisch Staatsblad, acts 1 acts

Address history · 1

17-04-2023

Registered-office move

All acts · 1 updated 3 years ago

2023

17-04-2023 Registered office moved within Blankenberge Registered-office change

Prinsenlaan 24 à 8370 Blankenberge → Zeedijk 158 tot 8370 Blankenberge

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Zeedijk 158 tot 8370 Blankenberge",
        "city": "Blankenberge",
        "region": "vlaams_gewest",
        "street": "Zeedijk",
        "country": "BE",
        "postcode": "8370",
        "box_number": null,
        "street_number": "158",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Prinsenlaan 24 \u00E0 8370 Blankenberge",
        "city": "Blankenberge",
        "region": "vlaams_gewest",
        "street": "Prinsenlaan",
        "country": "BE",
        "postcode": "8370",
        "box_number": null,
        "street_number": "24",
        "locality_suffix": null
      },
      "effective_date": "2023-04-05",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "immediate",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2023-04-17",
    "filing_date": "2023-04-05",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "date": "2023-03-14",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0783.447.719",
    "name_full": "Zahra",
    "legal_form": "BV",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Miya Najma",
    "org_rep_person_name": null,
    "person_role_at_subject": "bestuurder"
  },
  "co_filed_documents": []
}

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires (algemeen assortiment)47716Detailhandel in baby- en kinderbovenkleding47713Detailhandel in onderkleding, lingerie en strand- en badkleding47714Detailhandel in kledingaccessoires47715Detailhandel in schoeisel47721Detailhandel in lederwaren en reisartikelen47722

Primary activity highlighted.

Names & trade names

Legal nameNL

Zahra

Registered office

Zeedijk 158

8370 Blankenberge, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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