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ZAIM

Active
Private limited company (pre-2019)founded 199333 yrs activeAndennestraat 29, 1060 Sint-Gillis (bij-Brussel), BelgiumKBO/BCE: BE 0449.929.253
Summary

The computed 12-month bankruptcy probability of ZAIM is 1.6% (moderate). The 2025 annual accounts show negative equity (-€13,873). Equity remains stable across the filed fiscal years (±0% per year). The company has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals.

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ZAIMActive
Risk analysis Report Compare

Checked score

No current score
Insufficient figures
A score requires measurable solvency, liquidity and profitability. Missing figures are not a judgement about the company.
Axes · tick = 2024
Profitability-
Solvency15=
Growth55=
Track record100
Bankruptcy probability, 12 months
1.6% Moderate
0%0.5%1.5%4%10%≥ 25%
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 33 years 0 40 y
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 2025
Solvency, return and age of the figures
Solvency
-9.5%
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 31-08-2026, 31 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 filings
Deviation from the deadline
2025
31 d late
2024
27 d late
2023
2 d early
2022
29 d late
2021
6 d early
2020
15 d early
2019
60 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 18 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
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. Usually files around 27 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

ZAIM was incorporated on 21 April 1993.1 Total assets went from EUR 145,751 in 2018 to EUR 145,751 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, micro schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€109
Working capital
Not included in this filing
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result
Net result
Equity-€13,873=-€13,873=-€13,873=-€13,873=-€13,873=
Total assets€145,751=€145,751=€145,751=€145,751=€145,751=
Debt€159,624=€159,624=€159,624=€159,624=€159,624=
Key figures and ratios
2025 value · change against 2024
Solvency
-9.5%=
2024 · -9.5%
Debt to equity
-11.51=
2024 · -11.51
Debt > 1 year
€159,624=
2024 · €159,624
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 14 lines
Balance sheet Code20242025
Assets
Total assets20/58€145,751€145,751=
Current assets29/58€145,751€145,751=
Amounts receivable within one year40/41€145,715€145,715=
Other amounts receivable41€145,715€145,715=
Cash at bank and in hand54/58€36€36=
Equity and liabilities
Total equity and liabilities10/49€145,751€145,751=
Equity10/15-€13,873-€13,873=
Contributions10/11€61,973€61,973=
Profit (loss) carried forward14-€75,847-€75,847=
Amounts payable17/49€159,624€159,624=
Amounts payable after more than one year17€159,624€159,624=
Other amounts payable178/9€159,624€159,624=
Income statement Code20242025
Appropriation of the result
Profit (loss) to be appropriated9906-€75,847-€75,847=
Profit (loss) brought forward from the previous period14P-€75,847-€75,847=

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Not filed in this scheme.

Line20212022202320242025Change
Assets
Total assets20/58€145,751€145,751€145,751€145,751€145,751=
Current assets29/58€145,751€145,751€145,751€145,751€145,751=
Amounts receivable within one year40/41€145,715€145,715€145,715€145,715€145,715=
Other amounts receivable41€145,715€145,715€145,715€145,715€145,715=
Cash at bank and in hand54/58€36€36€36€36€36=
Equity and liabilities
Total equity and liabilities10/49€145,751€145,751€145,751€145,751€145,751=
Equity10/15-€13,873-€13,873-€13,873-€13,873-€13,873=
Contributions10/11€61,973€61,973€61,973€61,973€61,973=
Profit (loss) carried forward14-€75,847-€75,847-€75,847-€75,847-€75,847=
Amounts payable17/49€159,624€159,624€159,624€159,624€159,624=
Amounts payable after more than one year17€159,624€159,624€159,624€159,624€159,624=
Other amounts payable178/9€159,624€159,624€159,624€159,624€159,624=
Line20212022202320242025Change
Change in cash-€0€0€0€0-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
31-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
27-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
29-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
25-07
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
16-07
NBB filing Annual accounts filed
fiscal year 2020 · full schema
2020
29-09
NBB filing Annual accounts filed
fiscal year 2019 · full schema · 60 days late
2019
26-08
NBB filing Annual accounts filed
fiscal year 2018 · full schema · 26 days late
2018
24-07
NBB filing Annual accounts filed
fiscal year 2017 · full schema
2017
18-07
NBB filing Annual accounts filed
fiscal year 2016 · full schema
NBB filing

Directors · office · real estate

Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Sint-Gillis (bij-Brussel) · 1 establishment unit since 1993
seat establishment The establishment unit on the map
Ground area
114 m²
Building footprint
108 m²
Volume, LiDAR
1,052 m³
Parcel 21562A0122/00G012, Brussels · tallest building 16.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
AUTO-ZAIM
Andennestraat 29, 1060 Sint-Gillis (bij-Brussel)NACE 5010301
since 19932.062.140.024
1 parcel
Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21562A0122/00G012 Brussels 114 m² 1 · 108 m² 16.8 m · 4 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPrivate limited company (pre-2019)
Founded21-04-1993
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

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Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

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