ZAHYA
ActiveThe computed 12-month bankruptcy probability of ZAHYA is 3.8% (moderate). The 2025 annual accounts show equity of €16k and a net result of €-7k. Equity is growing by ~20.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 109 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-91
Solvency100=
Growth65=
Track record100
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 7.11 against 8.65 in 2024; short-term debt: 14.1% and cash: 100% of total assets), and 14.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 53
Relative position
BE, all sectors
reference
Sector 53
higher
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
85.9%
Return on assets
-40.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
19 d late
2023
19 d late
2022
21 d late
2021
29 d late
2020
17 d late
2019
67 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€42k▲ 5.3%
2024 · €39k
2018: €36k
2019: €54k
2020: €50k
2021: €38k
2022: €33k
2023: €33k
2024: €39k
2018 → 2025
EBIT margin
-16.0%▼ 26.5pp
2024 · 10.5%
2018: -22.9%
2019: 7.8%
2020: -4.3%
2021: 44.1%
2022: -0.4%
2023: -7.7%
2024: 10.5%
2018 → 2025
Net result
€-7k
2024 · €4k
2018: €-8k
2019: €4k
2020: €-2k
2021: €17k
2022: €-275
2023: €-2k
2024: €4k
2018 → 2025
Working capital
€16k▼ 20.6%
2024 · €20k
2018: €-3k
2019: €4k
2020: €6k
2021: €22k
2022: €23k
2023: €13k
2024: €20k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€38k-€33k▼ 12.8%€33k▼ 1.5%€39k▲ 20.0%€42k▲ 5.3%
Equity€23k-€23k▼ 1.2%€19k▼ 15.3%€23k▲ 20.8%€16k▼ 31.9%
Operating result€17k-€-139€-3k▼ 1,725%€4k€-7k
Net result€17k-€-275€-2k▼ 482%€4k€-7k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €7k after €4k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €18k
Equity
€16k▼ 31.9%
Debt
€3k▼ 0.5%
The debt ratio rises from 10.1% to 14.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-3k▼
2024 · €7k
Cash flow
€-4k▼
2024 · €7k
Solvency
85.9%▼
2024 · 89.9%
Current ratio
7.11▼
2024 · 8.65
Quick ratio
7.11▼
2024 · 8.65
Debt / equity
0.16▲
2024 · 0.11
ROE
-46.8%▼
2024 · 17.2%
ROA
-40.2%▼
2024 · 15.5%
Interest coverage
-42.69▼
2024 · 50.32
Debt
€3k▼
2024 · €3k
Debt ≤ 1 year
€3k▼
2024 · €3k
Staff costs
€10k
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€26k€18k▼
Fixed assets21/28€3k-
Tangible fixed assets22/27€3k-
Furniture and vehicles24€3k-
Current assets29/58€22k€18k▼
Amounts receivable within one year40/41€12k-
Trade receivables40€12k-
Cash at bank and in hand54/58€11k€18k▲
Equity and liabilities
Total equity and liabilities10/49€26k€18k▼
Equity10/15€23k€16k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€3k€-5k▼
Amounts payable17/49€3k€3k▼
Amounts payable within one year42/48€3k€3k▼
Trade debts44€739€160▼
Suppliers440/4€739€160▼
Taxes, remuneration and social security45€807€2k▲
Taxes450/3€807€612▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€1k-
Income statement
Code20242025
Turnover70€39k€42k▲
Non-recurring operating income76A€106-
Goods, raw materials, services and sundry goods60/61-€34k
Remuneration, social security and pensions62-€10k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€407€1k▲
Non-recurring operating charges66A€249-
Gross operating margin9900€8k€7k▼
Operating profit (loss)9901€4k€-7k▼
Financial charges65/66B€148€720▲
Recurring financial charges65€148€79▼
Non-recurring financial charges66B-€642
Profit (loss) for the period before taxes9903€4k€-7k▼
Profit (loss) for the period9904€4k€-7k▼
Profit (loss) for the period to be appropriated9905€4k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-5k▼
Profit (loss) brought forward from the previous period14P€-1k€3k▲
The notes to these accounts (2 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 21 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 5.31
Current ratio from 1.54 to 5.31; short-term debt falls from €11k to €5k.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 67 days late
2019
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
25-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 25 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
15 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, Brussel · 1 establishment unit since 2009
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.
Huidevettersstraat 2151000 BrusselGround area
91 m²
Building footprint
93 m²
Volume, LiDAR
904 m³
Parcel 21809K0387/00M013, Brussels · tallest building 15.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ZAHYA
since 20092.183.399.229
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21809K0387/00M013 | Brussels | 91 m² | 1 · 93 m² | 15.8 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
JMG SERVICES
BE 0797.554.883
Anderlecht · Eq €16k
ELO CARGO
BE 0565.959.168
Grâce-Hollogne · Eq €16k
C-Light Projects
BE 0834.221.180
Oudsbergen · Eq €16k
J.J.S. Services
BE 0634.662.189
Brussel · Eq €16k
Green Birds Transport
BE 0705.903.741
Kortrijk · Eq €16k
Of 4,917 companies in sector 53200 we hold annual accounts for 1,330. 1,015 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-12-2009
Fiscal year end31-12
Activities, NACEBEL
49310Scheduled passenger transport by road
53200Other postal and courier activities
49320Non-scheduled passenger transport by road
49330On-demand passenger transport by chauffeured vehicle
49390Land transport and transport via pipelines
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.