ZALMI
ActiveThe computed 12-month bankruptcy probability of ZALMI is 2.2% (moderate). The 2024 annual accounts show equity of €37k and a net result of €37k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 63% of 395 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
96
/ 100
Excellent▲ +45 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency98▲+87
Growth52▲+14
Stability100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.31 against 0.97 in 2023), and 42.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-10-2025, 90 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 · 8 filingsDeviation from the deadline
2025
not confirmed
2024
90 d late
2023
24 d early
2022
31 d late
2021
122 d late
2020
27 d late
2019
3 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€176k▼ 25.5%
2020 · €236k
2018: €260k
2019: €249k
2020: €236k
2018 → 2021
EBIT margin
2.4%▲ 7.9pp
2020 · -5.5%
2018: 1.2%
2019: 2.2%
2020: -5.5%
2018 → 2021
Net result
€37k▲ 263%
2023 · €10k
2018: €2k
2019: €2k
2020: €-15k
2021: €2k
2022: €-15k
2023: €10k
2018 → 2024
Working capital
€36k
2023 · €-2k
2018: €13k
2019: €16k
2020: €2k
2021: €5k
2022: €-10k
2023: €-2k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€236k-€176k▼ 25.5%
Equity€3k-€5k▲ 61.8%€-10k€198€37k▲ 18,613%
Operating result€-13k-€4k€-13k€12k€55k▲ 347%
Net result€-15k-€2k€-15k€10k€37k▲ 263%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 347% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €64k
Fixed assets
€1k▼ 43.9%
Current assets
€63k▲ 10.7%
Equity and liabilities €64k
Equity
€37k▲ 18,613%
Debt
€27k▼ 53.8%
The debt ratio falls from 99.7% to 42.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€56k▲
2023 · €13k
Cash flow
€38k▲
2023 · €11k
Solvency
57.6%▲
2023 · 0.3%
Current ratio
2.31▲
2023 · 0.97
Quick ratio
0.90▲
2023 · 0.17
Debt / equity
0.74
ROE
99.5%
ROA
57.3%▲
2023 · 17.2%
Interest coverage
24.25▲
2023 · 5.96
Debt
€27k▼
2023 · €59k
Debt ≤ 1 year
€27k▼
2023 · €59k
Income taxes
€16k
Staff costs
€27k▼
2023 · €29k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€59k€64k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€57k€63k▲
Stocks and contracts in progress3€47k€39k▼
Stocks30/36€47k€39k▼
Amounts receivable within one year40/41€9k€3k▼
Trade receivables40€9k€3k▼
Cash at bank and in hand54/58€1k€21k▲
Deferred charges and accrued income490/1€153€235▲
Equity and liabilities
Total equity and liabilities10/49€59k€64k▲
Equity10/15€198€37k▲
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-14k€23k▲
Amounts payable17/49€59k€27k▼
Amounts payable within one year42/48€59k€27k▼
Trade debts44€40k€3k▼
Suppliers440/4€40k€3k▼
Taxes, remuneration and social security45€18k€24k▲
Taxes450/3€4k€18k▲
Remuneration and social security454/9€14k€6k▼
Other amounts payable47/48€1k€9▼
Income statement
Code20232024
Remuneration, social security and pensions62€29k€27k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€704€973▲
Other operating charges640/8€193€15k▲
Gross operating margin9900€43k€98k▲
Operating profit (loss)9901€12k€55k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€10k€53k▲
Income taxes67/77-€16k
Profit (loss) for the period9904€10k€37k▲
Profit (loss) for the period to be appropriated9905€10k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€23k▲
Profit (loss) brought forward from the previous period14P€-24k€-14k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 90 days late
2024
31-12
Financial
Highest result since 2018net €37k ▲263%
Operating result €55k, net result €37k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.31
Current ratio from 0.97 to 2.31; short-term debt falls from €59k to €27k.
07-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 122 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Weakest financial yearnet €-15k ▼804%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 days late
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Anderlecht · 2 establishment units since 2017
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.
Bergense Steenweg 1611070 AnderlechtGround area
789 m²
Building footprint
666 m²
Volume, LiDAR
11,392 m³
2 parcels, Brussels · tallest building 24.8 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
ZALMI
since 20172.262.153.727
ZALMI
since 20172.262.153.826
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21443A0177/00G000 | Brussels | 707 m² | 1 · 594 m² | 24.8 m · 6 fl. |
| 21304B0138/00L005 | Brussels | 81 m² | 1 · 72 m² | 17.8 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
COTELFAX
BE 0454.779.253
Cerfontaine · Eq €37k
ZUBALAPHONE
BE 0736.383.220
Kortrijk · Eq €37k
QuestIT
BE 0561.700.967
Antwerpen · Eq €37k
DIBOS
BE 0442.004.155
Beveren-Kruibeke-Zwijndrecht · Eq €37k
HBC-BAARLE
BE 0437.572.839
Baarle-Hertog · Eq €37k
Of 3,211 companies in sector 47400 we hold annual accounts for 1,795. 1,364 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-03-2017
Fiscal year end31-12
Activities, NACEBEL
47400Retail sale of information and communication equipment
47420Retail trade
61100Wired, wireless and satellite telecommunications
61200Telecommunications
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.