ZAJ Inc
ActiveSummary
The computed 12-month bankruptcy probability of ZAJ Inc is 3.6% (moderate). The annual accounts of ZAJ Inc for fiscal year 2024 show a net loss of 67% of total assets and of 71% of the equity at the start of that year. The 2024 annual accounts show equity of €16k and a net result of €-39k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 28% of 8966 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
27
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0=
Solvency52▼-35
Growth52=
Track record94
Bankruptcy probability, 12 months
3.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.26 against 2.78 in 2023; short-term debt: 72.6% and cash: 4.7% of total assets), and 72.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 2024Solvency, return and age of the figures
Solvency
27.4%
Return on assets
-67.3%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
2021222324
2020 to 2024 · latest year €-39k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
30 d late
2023
49 d late
2022
31 d late
2021
31 d late
2020
1 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€2k
EBIT margin
-160.6%
Net result
€-39k▲ 8.4%
2023 · €-43k
2020: €-2k
2021: €33k
2022: €62k
2023: €-43k
2020 → 2024
Working capital
€11k▼ 77.5%
2023 · €50k
2020: €-5k
2021: €29k
2022: €90k
2023: €50k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€2k-
Equity€2k-€35k▲ 2,124%€97k▲ 179%€55k▼ 43.7%€16k▼ 71.1%
Operating result€-2k-€47k€80k▲ 71.8%€-42k€-39k▲ 8.3%
Net result€-2k-€33k€62k▲ 87.7%€-43k€-39k▲ 8.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €39k in 2024 against €42k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €58k
Fixed assets
€5k ▼ 55.7%
Current assets
€53k ▼ 31.3%
Equity and liabilities €58k
Equity
€16k ▼ 71.1%
Debt
€42k ▲ 26.6%
Debt's share of the balance-sheet total rises from 37.7% to 72.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-33k▲
2023 · €-36k
Cash flow
€-33k▲
2023 · €-36k
Current ratio
1.26▼
2023 · 2.78
Quick ratio
0.07▼
2023 · 0.11
Debt to equity
2.66▲
2023 · 0.61
ROE
-245.9%▼
2023 · -77.6%
ROA
-67.3%▼
2023 · -48.3%
Interest coverage
-89.29▼
2023 · -66.12
Debt ≤ 1 year
€42k▲
2023 · €28k
Income taxes
€57
Staff costs
€387▲
2023 · €384
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 39 lines
Balance sheet
Code20232024
Assets
Total assets20/58€88k€58k▼
Fixed assets21/28€11k€5k▼
Tangible fixed assets22/27€11k€5k▼
Furniture and vehicles24€1k-
Leasing and similar rights25€9k€5k▼
Financial fixed assets28€76€76=
Current assets29/58€77k€53k▼
Stocks and contracts in progress3€74k€50k▼
Stocks30/36€74k€50k▼
Cash at bank and in hand54/58€3k€3k▼
Deferred charges and accrued income490/1-€271
Equity and liabilities
Total equity and liabilities10/49€88k€58k▼
Equity10/15€55k€16k▼
Contributions10/11€4k€4k=
Profit (loss) carried forward14€51k€12k▼
Amounts payable17/49€33k€42k▲
Amounts payable after more than one year17€5k-
Financial debts170/4€5k-
Amounts payable within one year42/48€28k€42k▲
Current portion of amounts payable after more than one year42€2k€2k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€21k€9k▼
Taxes450/3€19k€1k▼
Remuneration and social security454/9€2k€8k▲
Other amounts payable47/48€3k€27k▲
Income statement
Code20232024
Remuneration, social security and pensions62€384€387▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼
Other operating charges640/8€356€370▲
Gross operating margin9900€-35k€-32k▲
Operating profit (loss)9901€-42k€-39k▲
Financial charges65/66B€542€365▼
Recurring financial charges65€542€365▼
Profit (loss) for the period before taxes9903€-43k€-39k▲
Income taxes67/77-€57
Profit (loss) for the period9904€-43k€-39k▲
Profit (loss) for the period to be appropriated9905€-43k€-39k▲
Appropriation of the result
Profit (loss) to be appropriated9906€51k€12k▼
Profit (loss) brought forward from the previous period14P€93k€51k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
18-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 49 days late
2023
31-12
Financial
Weakest financial yearnet €-43k ▼168%
Net result drops to €-43k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2020net €62k ▲87.7%
Operating result €80k, net result €62k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 2.40
Current ratio from 0.76 to 2.40; short-term debt falls from €22k to €21k.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Ukkel · 1 establishment unit since 2020
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.
Postiljonstraat 71180 UkkelGround area
86 m²
Building footprint
85 m²
Volume, LiDAR
1,069 m³
Parcel 21016B0024/00B002, Brussels · tallest building 15.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
ZAJ
since 20202.310.836.740
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21016B0024/00B002 | Brussels | 86 m² | 1 · 85 m² | 15.6 m · 5 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.
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Of 13,421 companies in sector 73300 we hold annual accounts for 6,901. 4,391 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-11-2020
Fiscal year end31-12
Activities, NACEBEL 2025
73300Public relations and communication consultancy
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
70200Business and other management consultancy
82100Office administrative and support services
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.