Financials
- Fiscal year
- 2025
- Total assets
- €35,214
- Profit
- €1,897
- Solvency
- 51.2%
ZAIN NF
ActiveSummary
The computed 12-month bankruptcy probability of ZAIN NF is 2.3% (moderate). The 2025 annual accounts show equity of €18,013 and a net result of €1,897. Its solvency ranks better than 65% of 22026 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Non-specialised retail sale with food, beverages or tobacco predominating
NACE 47110NACE 47112
1 site
Size
€35,214total assets 2025
- Equity
- €18,013
- Profit
- €1,897
Turnover not published (abridged schema)
Structure
Accounts 141 d early0 of 1 deed read
Why 53- Founded in 2024- Size: total assets €35,214- Liquidity: current ratio 2.05, cash €874- Sector Retail trade (NACE 47)Show the evidence
Checked score
Score 2025
53
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 43% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength
Average
Solvency
76
equity 51.2% of total assets
Liquidity
29
short-term debt 48.8% · cash 2.5%
Profitability
51
return on assets 5.4%
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 1.9%lowest value
02-2026: 1.9%▲ +2.7% vs 01-2026
03-2026: 2.0%▲ +2.0% vs 02-2026
04-2026: 2.1%▲ +4.6% vs 03-2026
05-2026: 2.1%▲ +0.5% vs 04-2026
06-2026: 2.1%▲ +2.7% vs 05-2026
07-2026: 2.3%▲ +5.8% vs 06-2026
08-2026: 2.3%▲ +1.2% vs 07-2026highest value
09-2026: 2.3%● 0.0% vs 08-2026highest value
10-2026: 2.3%▼ -0.7% vs 09-2026
- Founded in 2024 raises the probability for this profile
- Size: total assets €35,214 raises the probability for this profile
- Liquidity: current ratio 2.05, cash €874 raises the probability
- Sector Retail trade (NACE 47) raises the probability
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.05; short-term debt: 48.8% and cash: 2.5% of total assets), and 48.8% 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 65%, liquidity 26%, profitability 37%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. 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.
+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-03-2026, 141 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
141 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
- 12-03-2026Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Non-specialised retail sale with food, beverages or tobacco…NACE 47110
- Founded
- 11-12-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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