ZAI
ActiveZAI has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €67k and a net result of €9k. Equity is growing by ~20.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 9625 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability83▼-5
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 9.55 against 4.11 in 2023; short-term debt: 9.6% and cash: 17.5% of total assets), and 9.6% 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+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 47
Relative position
BE, all sectors
reference
Sector 47
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-08-2025, 19 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
not confirmed
2024
19 d late
2023
98 d late
2022
88 d late
2021
69 d late
2020
58 d late
2019
122 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€67k▲ 15.0%
2023 · €58k
2018: €16k
2019: €18k
2020: €26k
2021: €46k
2022: €47k
2023: €58k
2018 → 2024
Total assets
€74k▼ 1.9%
2023 · €75k
2018: €56k
2019: €57k
2020: €55k
2021: €55k
2022: €62k
2023: €75k
2018 → 2024
Net result
€9k▼ 23.9%
2023 · €11k
2018: €185
2019: €2k
2020: €8k
2021: €21k
2022: €456
2023: €11k
2018 → 2024
Working capital
€61k▲ 13.1%
2023 · €54k
2018: €17k
2019: €22k
2020: €28k
2021: €40k
2022: €41k
2023: €54k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€26k-€46k▲ 80.4%€47k▲ 1.0%€58k▲ 24.5%€67k▲ 15.0%
Operating result€-3k-€-11k▼ 315%€695€12k▲ 1,637%€14k▲ 14.1%
Net result€8k-€21k▲ 172%€456▼ 97.8%€11k▲ 2,418%€9k▼ 23.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 14% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €74k
Fixed assets
€6k▲ 37.5%
Current assets
€68k▼ 4.4%
Equity and liabilities €74k
Equity
€67k▲ 15.0%
Debt
€7k▼ 58.8%
The debt ratio falls from 22.8% to 9.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€15k▲
2023 · €13k
Cash flow
€10k▼
2023 · €12k
Solvency
90.4%▲
2023 · 77.2%
Current ratio
9.55▲
2023 · 4.11
Quick ratio
1.95▲
2023 · 1.09
Debt / equity
0.11▼
2023 · 0.30
ROE
13.0%▼
2023 · 19.7%
ROA
11.8%▼
2023 · 15.2%
Interest coverage
6.31▼
2023 · 21.18
Debt
€7k▼
2023 · €17k
Debt ≤ 1 year
€7k▼
2023 · €17k
Income taxes
€3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€75k€74k▼
Fixed assets21/28€5k€6k▲
Tangible fixed assets22/27€2k€3k▲
Plant, machinery and equipment23€2k€3k▲
Other tangible fixed assets26€109€54▼
Financial fixed assets28€3k€3k=
Current assets29/58€71k€68k▼
Stocks and contracts in progress3€52k€54k▲
Stocks30/36€52k€54k▲
Amounts receivable within one year40/41-€864
Other amounts receivable41-€864
Cash at bank and in hand54/58€19k€13k▼
Equity and liabilities
Total equity and liabilities10/49€75k€74k▼
Equity10/15€58k€67k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€28k€28k=
Distributable reserves133€28k€28k=
Profit (loss) carried forward14€11k€20k▲
Amounts payable17/49€17k€7k▼
Amounts payable within one year42/48€17k€7k▼
Trade debts44€8k€6k▼
Suppliers440/4€8k€6k▼
Taxes, remuneration and social security45€496-
Taxes450/3€496-
Other amounts payable47/48€9k€1k▼
Income statement
Code20232024
Remuneration, social security and pensions62€4k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€695€1k▲
Other operating charges640/8€2k€545▼
Gross operating margin9900€19k€16k▼
Operating profit (loss)9901€12k€14k▲
Financial charges65/66B€603€2k▲
Recurring financial charges65€603€2k▲
Profit (loss) for the period before taxes9903€11k€11k▼
Income taxes67/77-€3k
Profit (loss) for the period9904€11k€9k▼
Profit (loss) for the period to be appropriated9905€11k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€20k▲
Profit (loss) brought forward from the previous period14P-€11k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 19 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 9.55
Current ratio from 4.11 to 9.55; short-term debt falls from €17k to €7k.
06-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 98 days late
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 88 days late
2022
08-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 69 days late
2021
31-12
Financial
Highest result since 2018net €21k ▲172%
Net result €21k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 5.44
Current ratio from 2.36 to 5.44; short-term debt falls from €21k to €9k.
27-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 58 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 122 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Putte · 1 establishment unit since 2013
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.
Mechelbaan 4582580 PutteGround area
258 m²
Building footprint
234 m²
Volume, LiDAR
1,047 m³
Parcel 12029A0749/00M000, Flanders · tallest building 12.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ZAI
since 20132.218.734.052
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12029A0749/00M000 | Flanders | 258 m² | 1 · 234 m² | 12.8 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 sitePutte2.218.734.052
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Of 10,530 companies in sector 47110 we hold annual accounts for 5,858. 4,669 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-12-2012
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47113Retail trade
47252Retail sale of beverages, general range
47260Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.