Turnover
Turnover rose in 2025 from €246,209 to €342,176.
Turnover rose in 2025 from €246,209 to €342,176.
Green is investment, beige is depreciation.
In 2025, 4 people joined and 3 left.
ZAKY CONSTRUCT pays its suppliers 2 days later than in 2024. Customers pay 45 days later.
Latest accounts filed late: after the legal deadline.
The dashed line is the sector median: 0.7% across 47,696 companies (NACE 43, micro).
About 1 in 10 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 28% of them on solvency, 12% on liquidity, 79% on profitability and 86% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 7,976 companies had the same profile as ZAKY CONSTRUCT has now. Each dot stands for 20 companies, two years later.
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of ZAKY CONSTRUCT itself is higher: 9.8% within 12 months. It rests on far more data about ZAKY CONSTRUCT than the profile alone.
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,976 companies, not a prediction for ZAKY CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is tight, with a current ratio of 1.31 (1.28 in 2024), below the usual 1.5. Short-term debt is 73.5% and cash 9% of total assets. 73.5% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 3 accounts on average 65 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| ZAKY CONSTRUCT Charleroi | €342,176 | 14.4% | 26.5% | - |
| ECOVIE POOL Celles (lez-Tournai) | - | - | 9.0% | - |
| DESIGN CONSTRUCTION Drogenbos | - | - | 32.7% | - |
| COSTIFIL Reno Construct Zaventem | €280,250 | 29.5% | 82.4% | - |
| GEVELRESTAURATIE VANDORPE Zwevegem | - | - | 19.5% | - |
| SAVAPLAATSER Kontich | - | - | 63.9% | - |
| GO UP STELLING & ECHAFAUDAGES Anderlecht | - | - | 48.3% | - |
Grey: the largest companies of the sector (specialised construction (NACE 43)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as ZAKY CONSTRUCT: other specialised construction activities (NACE 43990). They are comparable in size and age: total assets between €110,000 and €144,000, founded between 2022 and 2023.
ZAKY CONSTRUCT files the abbreviated format. That format states no turnover. The gross margin rose from €36,496 in 2023 to €75,406 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Higher than 28% of 9,974 companies in 2025.
Higher than 34% of 9,837 companies in 2025.
Higher than 95% of 9,906 companies in 2025.
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half · Staff: bottom quarter
Staff costs divided by the average number of full-time equivalents.
In 2025, 4 people joined and 3 left.
| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
133,173 | 88,477 | 50,388 | |
21/28 |
4,500 | 300 | - | |
22/27 |
4,200 | - | - | |
24 |
4,200 | - | - | |
28 |
300 | 300 | - | |
29/58 |
128,673 | 88,177 | 50,388 | |
3 |
502 | 5,551 | 7,026 | |
30/36 |
502 | 5,551 | 7,026 | |
40/41 |
115,473 | 69,750 | 43,363 | |
40 |
103,500 | 43,960 | 38,261 | |
41 |
11,972 | 25,789 | 5,102 | |
54/58 |
12,027 | 12,877 | - | |
490/1 |
671 | - | - | |
| Balance sheet: equity and liabilities | ||||
10/49 |
133,173 | 88,477 | 50,388 | |
10/15 |
35,265 | 19,596 | 15,796 | |
10/11 |
15,000 | 15,000 | 15,000 | |
10 |
15,000 | 15,000 | 15,000 | |
100 |
15,000 | 15,000 | 15,000 | |
14 |
20,265 | 4,596 | 796 | |
17/49 |
97,908 | 68,881 | 34,592 | |
42/48 |
97,908 | 68,881 | 34,592 | |
43 |
- | - | 72 | |
430/8 |
- | - | 72 | |
44 |
61,246 | 53,373 | 11,824 | |
440/4 |
61,246 | 53,373 | 11,824 | |
45 |
9,130 | 15,508 | 15,180 | |
450/3 |
340 | 7,173 | 340 | |
454/9 |
8,790 | 8,335 | 14,840 | |
47/48 |
27,532 | - | 7,516 | |
| Income statement | ||||
70 |
342,176 | 246,209 | - | |
9900 |
75,406 | 10,566 | 36,496 | |
60/61 |
261,770 | 235,050 | - | |
62 |
22,198 | 3,795 | 35,461 | |
630 |
2,100 | - | - | |
640/8 |
1,962 | 2,544 | 128 | |
9901 |
49,146 | 4,226 | 908 | |
75/76B |
0 | - | - | |
75 |
0 | - | - | |
65/66B |
148 | 427 | 111 | |
65 |
148 | 427 | 111 | |
9903 |
48,998 | 3,800 | 796 | |
67/77 |
3,330 | - | - | |
9904 |
45,669 | 3,800 | 796 | |
9905 |
45,669 | 3,800 | 796 | |
| Appropriation of the result | ||||
9906 |
50,265 | 4,596 | 796 | |
14P |
4,596 | 796 | - | |
694/7 |
30,000 | - | - | |
695 |
30,000 | - | - | |
| Social balance sheet | ||||
9087 |
1.1 | 0.1 | 0.8 | |
Hours worked1013 |
472 | 56 | 1,116 | |
| Document | ||||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 30-10-2026.
2025 annual accounts filed 91 days after the deadline. Filed on 30 October 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00595759.
| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 51,246 | - | - | ||
| 47,769 | - | - | ||
| 6,300 | 300 | - | ||
| -849 | - | - | ||
| 30,765 | 19,296 | 15,796 | ||
| 14.4% | 1.7% | - | ||
| 26.5% | 22.1% | 31.3% | ||
| 1.31 | 1.28 | 1.46 | ||
| 1.31 | 1.20 | 1.25 | ||
| 2.78 | 3.52 | 2.19 | ||
| 129.5% | 19.4% | 5.0% | ||
| 34.3% | 4.3% | 1.6% | ||
| over 100 | - | - | ||
| 110 days | 65 days | - | ||
| 85 days | 83 days | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 31-12-2025 | 31-12-2024 | 31-12-2023 |
|---|---|---|---|
| Employees at the balance-sheet date | 1 | - | 2 |
| full-time | - | - | 2 |
| part-time | 1 | - | - |
| in full-time equivalents | 0.5 | - | 2 |
| 1.1 | 0.1 | 0.8 | |
| On a permanent contract | 1 | - | 2 |
| Joined | 4 | 1 | 9 |
| Left | 3 | 3 | 7 |
Source: social balance sheet in the 2023 to 2025 annual accounts
| Item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Tangible fixed assets | €6,300 | - | - |
| Financial fixed assets | - | €300 | - |
| €2,100 | - | - |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is nearly 12 times that of 2024 and the highest since 2023. It is the second rise in a row.
Debt's share of the balance-sheet total falls from 77.9% to 73.5%. Equity and debt are higher.
ZAKY CONSTRUCT has no parent and no holdings in its annual accounts. Zakaria AL ABKADRI is the only director. ZAKY CONSTRUCT shares no director with another company.
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
On 8 February 2023, ZAKY CONSTRUCT was incorporated as a private limited company by one natural person, with a starting capital of €15,000.12 In 2026 the registered office moved to Gilly.3 Zakaria AL ABKADRI is director of the company, appointed by deed of 10-02-2023.2 Total assets went from €50,388 in 2023 to €133,173 in 2025 and headcount from 0.8 to 1.1 full-time equivalents.4
| Establishment | Since | Unit number |
|---|---|---|
| Rue Norbert Van Helleputte 144 registered office 6060 Charleroi | 08-02-2023 | 2.343.795.657 |
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0798.213.394
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