ZAKI TEAM
ActiveZAKI TEAM has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €105k and a net result of €-92k. Equity is growing by ~52.9% per year across the filed fiscal years. Its solvency ranks better than 36% of 970 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
39
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-73
Solvency59▼-14
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days only on tighter terms
Liquidity tight (current ratio 1.41 against 1.92 in 2024; short-term debt: 66.2% and cash: 2.4% of total assets), and 66.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 42
Relative position
BE, all sectors
reference
Sector 42
higher
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
33.8%
Return on assets
-29.3%
Age of the figures
9 mo
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
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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
2022
on the day
2021
31 d late
2020
31 d late
2019
91 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€105k▼ 46.5%
2024 · €197k
2019: €16k
2020: €38k
2021: €45k
2022: €120k
2023: €184k
2024: €197k
2019 → 2025
Total assets
€312k▼ 23.6%
2024 · €408k
2019: €51k
2020: €84k
2021: €229k
2022: €292k
2023: €309k
2024: €408k
2019 → 2025
Net result
€-92k
2024 · €13k
2019: €-2k
2020: €22k
2021: €7k
2022: €76k
2023: €64k
2024: €13k
2019 → 2025
Working capital
€85k▼ 56.4%
2024 · €194k
2019: €21k
2020: €36k
2021: €43k
2022: €115k
2023: €180k
2024: €194k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€45k-€120k▲ 169%€184k▲ 52.9%€197k▲ 7.0%€105k▼ 46.5%
Operating result€15k-€125k▲ 753%€94k▼ 24.7%€26k▼ 71.9%€-86k
Net result€7k-€76k▲ 1,025%€64k▼ 15.8%€13k▼ 79.7%€-92k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €86k after €26k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €312k
Fixed assets
€21k▲ 572%
Current assets
€291k▼ 28.1%
Equity and liabilities €312k
Equity
€105k▼ 46.5%
Debt
€207k▼ 2.2%
The debt ratio rises from 51.8% to 66.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-84k▼
2024 · €28k
Cash flow
€-90k▼
2024 · €14k
Solvency
33.8%▼
2024 · 48.2%
Current ratio
1.41▼
2024 · 1.92
Quick ratio
0.65▼
2024 · 0.66
Debt / equity
1.96▲
2024 · 1.07
ROE
-86.8%▼
2024 · 6.6%
ROA
-29.3%▼
2024 · 3.2%
Interest coverage
-14.90▼
2024 · 14.28
Debt
€207k▼
2024 · €211k
Debt ≤ 1 year
€207k▼
2024 · €211k
Income taxes
€164▼
2024 · €12k
Staff costs
€153k▼
2024 · €223k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€408k€312k▼
Fixed assets21/28€3k€21k▲
Tangible fixed assets22/27€3k€21k▲
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24-€17k
Current assets29/58€405k€291k▼
Stocks and contracts in progress3€267k€157k▼
Contracts in progress37€267k€157k▼
Amounts receivable within one year40/41€127k€125k▼
Trade receivables40€89k€63k▼
Other amounts receivable41€38k€62k▲
Cash at bank and in hand54/58€9k€7k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€408k€312k▼
Equity10/15€197k€105k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€178k€87k▼
Amounts payable17/49€211k€207k▼
Amounts payable within one year42/48€211k€207k▼
Current portion of amounts payable after more than one year42€0-
Financial debts43€2k€0▼
Credit institutions430/8€2k€0▼
Trade debts44€91k€71k▼
Suppliers440/4€91k€71k▼
Taxes, remuneration and social security45€102k€135k▲
Taxes450/3€46k€83k▲
Remuneration and social security454/9€56k€52k▼
Other amounts payable47/48€17k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€223k€153k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€2k€13k▲
Gross operating margin9900€253k€81k▼
Operating profit (loss)9901€26k€-86k▼
Financial income75/76B€818€242▼
Recurring financial income75€818€242▼
Financial charges65/66B€2k€6k▲
Recurring financial charges65€2k€6k▲
Profit (loss) for the period before taxes9903€25k€-91k▼
Income taxes67/77€12k€164▼
Profit (loss) for the period9904€13k€-92k▼
Profit (loss) for the period to be appropriated9905€13k€-92k▼
Appropriation of the result
Profit (loss) to be appropriated9906€178k€87k▼
Profit (loss) brought forward from the previous period14P€166k€178k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-92k ▼809%
Net result drops to €-92k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €150kEq €184k ▲52.9%
4 profitable years in a row build equity to €184k.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2019net €76k ▲1025%
Operating result €125k, net result €76k, both a record.
31-12
Financial
Equity above €100kEq €120k ▲169%
3 profitable years in a row build equity to €120k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are 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, Zottegem · 1 establishment unit since 2018
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.
Astridstraat 129620 ZottegemGround area
334 m²
Parcel 41013B0918/00A000, Flanders. Linked by address, not a title deed.
1 establishment unit
ZAKI TEAM
since 20182.279.530.088
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41013B0918/00A000 | Flanders | 333 m² | - | - |
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.
Similar companies · same sector, comparable size
CB-Tech
BE 0759.968.571
Houthalen-Helchteren · Eq €106k
KENNECTING
BE 0794.410.796
Keerbergen · Eq €105k
AZ CONNECT
BE 0746.768.059
Waasmunster · Eq €104k
YOUCONSTRUCT
BE 1016.516.745
Lokeren · Eq €107k
Yildirim Connect
BE 0802.628.379
Genk · Eq €104k
Of 1,822 companies in sector 42220 we hold annual accounts for 958. 713 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2018
Fiscal year end31-12
Activities, NACEBEL
42220Construction of utility projects for electricity and telecommunications
68121Development of residential building projects
43120Site preparation
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.