Financials
- Fiscal year
- 2024
- Total assets
- €527,440
- Profit
- €68,594
- Solvency
- 25.7%
Total assets▼ 49.9%
Net result
20182024
ZAI IMPORT EXPORT
ActiveSummary
The computed 12-month bankruptcy probability of ZAI IMPORT EXPORT is 2.9% (moderate). The 2024 annual accounts show equity of €135,810 and a net result of €68,594. Equity is growing by ~51.6% per year across the filed fiscal years. Its solvency ranks better than 44% of 26033 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Retail trade
NACE 47260Wholesale trade NACE 46350
1 site
Size
€527,440total assets 2024
- Equity
- €135,810
- Profit
- €68,594
Structure
Accounts 64 d overdue0 of 8 deeds read
Why 52- Figures for FY 2024 (filed 03-10-2025)- 1 financial year not filed after the legal deadline; latest accounts 61 days late; 3 of the last 3 late- Liquidity: current ratio 1.32, cash €35,645+ Size: total assets €527,440Show the evidence
Checked score
Score 2024
52
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 57% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2023
Average
Solvency
51+20
equity 25.7% of total assets
Liquidity
18+16
short-term debt 74.3% · cash 6.8%
Profitability
85+14
return on assets 13.0%
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 3.7%
12-2024: 2.5%▼ -33.5% vs 11-2024
01-2025: 2.5%▼ -0.7% vs 12-2024
02-2025: 2.2%▼ -9.8% vs 01-2025
03-2025: 2.2%▼ -0.2% vs 02-2025
04-2025: 2.2%▲ +1.0% vs 03-2025
05-2025: 2.3%▲ +1.3% vs 04-2025
06-2025: 2.4%▲ +4.0% vs 05-2025
07-2025: 2.4%● +0.0% vs 06-2025
08-2025: 2.7%▲ +12.4% vs 07-2025
09-2025: 3.1%▲ +15.4% vs 08-2025
10-2025: 4.6%▲ +49.8% vs 09-2025highest value
11-2025: 1.3%▼ -70.8% vs 10-2025
12-2025: 1.3%● 0.0% vs 11-2025
01-2026: 1.3%▼ -1.3% vs 12-2025
02-2026: 1.3%▲ +0.6% vs 01-2026
03-2026: 1.3%▼ -1.4% vs 02-2026
04-2026: 1.3%● 0.0% vs 03-2026
05-2026: 1.3%▼ -0.2% vs 04-2026
06-2026: 1.3%▼ -3.2% vs 05-2026
07-2026: 1.2%▼ -1.7% vs 06-2026lowest value
08-2026: 1.6%▲ +26.3% vs 07-2026
09-2026: 1.8%▲ +16.6% vs 08-2026
10-2026: 2.9%▲ +60.9% vs 09-2026
- Figures for FY 2024 (filed 03-10-2025) raises the probability
- 1 financial year not filed after the legal deadline; latest accounts 61 days late; 3 of the last 3 late raises the probability
- Size: total assets €527,440 lowers the probability for this profile
- Liquidity: current ratio 1.32, cash €35,645 raises the probability
Credit up to €7,000 at 30 days acceptable
Liquidity tight (current ratio 1.32 against 1.07 in 2023; short-term debt: 74.3% and cash: 6.8% of total assets), and 74.3% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 41%, liquidity 17%, profitability 79%, growth against the median 92%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 8 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
120 d late
2022
57 d late
2021
134 d late
2020
71 d late
2019
110 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 92 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2024 · micro…
- Highest result since 2018net €68,594 ▲258%
- Equity above €100,000Eq €135,810 ▲102%
Key points
By topic
Timeline
- Events
- 11
- Since
- 2018
- 30-09-2025Annual accounts filed
- 31-12-2024Highest result since 2018
- 31-12-2024Equity above €100,000
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Retail tradeNACE 47260
- Founded
- 08-12-2016
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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