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Generated 13-08-2026
Active BE 0769.604.334Private limited company

ZAJARO

Neugarten, Burg-Reuland 9 ·4790 Burg-Reuland, Belgium· 5 yrs active
Sector: Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies (70200)
Conclusion Checked

The computed 12-month bankruptcy probability of ZAJARO is 0.4% (very low). The 2025 annual accounts show equity of €13k and a net result of €499k. The figures fluctuate too strongly year-on-year for a reliable trend projection. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.
Key figures
Equity €13k
Net result €499k
Active 5 yrs
Locations 1
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health40Profitability100Solvency1Growth58Stability94
59 / 100

Mixed profile: strong on profitability, weaker on solvency.

All 5 axes are computed from data Checked has read.

Health 40
Profitability 100
Solvency 1
Growth 58
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
0.4% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2025 · computed
40 / 100 Weak
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview4 NBB filings
Annual accounts filed on 05-12-2025 with the NBB · fiscal year 2025 · ander
€-200k€0€200k€400kOperating result 2022: €-9k€-9kNet result 2022: €191k€191kOperating result 2023: €-1k€-1kNet result 2023: €199k€199kOperating result 2024: €-1k€-1kNet result 2024: €-1k€-1kOperating result 2025: €-828€-828Net result 2025: €499k€499k2022202320242025
Operating resultNet result
EBITDA
€-6k
- 22-25
Net profit
€499k
- 22-25
Cash flow
€194k
- 22-25
Total assets
€1.36M
+58.8% 22-25
Equity
€13k
-96.8% 22-25
Working capital
€-844k
-82.3% 22-25
Dividends
€880k
- 22-25
Debt
€1.35M
+190.7% 22-25
Debt ≤ 1y
€1.35M
+190.7% 22-25
Current ratio
0.38
+9293.8% 22-25
Quick ratio
0.38
+9293.8% 22-25
Solvency
0.9%
-98.0% 22-25
Debt / equity
106.16
+8895.6% 22-25
ROE
3924.0%
- 22-25
ROA
36.6%
- 22-25
Interest coverage
-184.14
- 22-25
Figures by fiscal year
Fiscal year2025
Depositander
Revenue-
EBITDA-
Net profit€499k
Cash flow-
Staff costs-
Income taxes-
Dividends€880k
Total assets€1.36M
Equity€13k
Debt€1.35M
of which ≤ 1y€1.35M
of which > 1y-
Working capital€-844k
Employees (FTE)-
Ratios (computed)
2025
Current ratio0.38
Quick ratio0.38
Working capital ratio-61.9%
Solvency0.9%
Debt / equity106.16
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA36.6%
ROE3924.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€1.36M
Fixed assets 21/28€856k
Tangible fixed assets 22/27€194k
Financial fixed assets 28€663k
Current assets 29/58€507k
Amounts receivable within one year 40/41€251k
Cash & bank 54/58€256k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€1.36M
Equity 10/15€13k
Contributions / capital 10/11€5k
Accumulated profits (losses) 14€8k
Amounts payable 17/49€1.35M
Amounts payable within one year 42/48€1.35M
Trade debts payable within one year 44€233
Income statement
Gross operating margin 9900€140
Operating result 9901€-828
Financial income 75€500k
Financial charges 65€49
Result before taxes 9903€499k
Net result for the period 9904€499k
Result to be appropriated 9905€499k
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies(70200)
Legal form Private limited company(610)
Incorporation11-06-2021
StatusActive
Postal code4790
Establishment units 1 location
ZAJARO
Neugarten, Burg-Reuland 9, 4790 Burg-ReulandHoldings
since 20212.321.361.834
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Updates 5 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
05-12-2025
NBB filing Annual accounts filed
fiscal year 2025 · ander
07-01-2025
State Gazette act Minor change
Officer designation
2024
03-12-2024
NBB filing Annual accounts filed
fiscal year 2024 · ander
2023
19-12-2023
NBB filing Annual accounts filed
fiscal year 2023 · ander
31-01-2023
NBB filing Annual accounts filed
fiscal year 2022 · ander
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2025
07-01-2025 Publication in the Belgian Official Gazette, Minor change Minor change
Summary: Officer designation
Technical details 
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    "name": null,
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    "firm_name": null,
    "office_city": "EUPEN",
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  },
  "act_meta": {
    "language": "mixed",
    "pub_date": null,
    "filing_date": null,
    "act_kind_objet": "ERNNUNGEN"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "date": "2024-12-16",
    "unanimous": true
  },
  "agm_change": null,
  "detected_kind": "officer_designation",
  "other_address": null,
  "mandate_renewal": {
    "period_end": null,
    "mandate_kind": "vakbekwaamheid",
    "period_start": null,
    "remuneration_eur": null,
    "remuneration_kind": null,
    "person_or_entity_kbo": null,
    "person_or_entity_name": null
  },
  "subject_company": {
    "kbo": "0769.604.334",
    "name_full": "ZAJARO",
    "legal_form": "Gesellschaft mit beschr\u00E4nkter Haftung"
  },
  "accounts_deposit": null,
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Emil FONK",
    "org_rep_person_name": null
  },
  "co_filed_documents": [],
  "fiscal_year_change": null,
  "liquidation_closure": null,
  "officer_designation": {
    "role": "vakbekwaamheid",
    "organ": "raad_van_bestuur",
    "person_name": "FONK Jamila"
  },
  "special_procuration": null,
  "is_volet_a_only_stub": true,
  "vakbekwaamheid_change": null,
  "should_reroute_to_category": null,
  "single_shareholder_declaration": null
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Activiteiten van hoofdkantoren70100Activiteiten van adviesbureaus op het gebied van public relations en communicatie73300
Primary activity highlighted.
Names & trade names
Legal nameDE ZAJARO
Registered office
Neugarten, Burg-Reuland 9
4790 Burg-Reuland, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative