Financials
- Fiscal year
- 2024
- Turnover
- €691,116
- Profit
- €19,158
- Solvency
- 71.0%
Turnover▲ 8.0%
Net result
20182024
ZAMAIN
ActiveSummary
ZAMAIN has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €166,050 and a net result of €19,158. Equity is growing by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 86% of 6544 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.2% (low).
Overview
Activity
Retail sale of bread and pastry (bakery outlets)
NACE 47241
1 site
Size
€691,116turnover 2024
- Staff
- 10.4 FTE
- Equity
- €166,050
- Profit
- €19,158
Structure
Accounts 64 d overdue0 of 2 deeds read
Why 67- Figures for FY 2024 (filed 04-09-2025)- 1 financial year not filed after the legal deadline; latest accounts 31 days late; 1 of the last 3 late+ Liquidity: current ratio 3.06, cash €118,358+ Equity €166,050 (71.0% of total assets)Show the evidence
Checked score
Score 2024
67
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 74% of its sector peers (NACE 47, small)
Performance against the sector, not lower risk
Financial strength · tick = 2023
Strong
Solvency
96+9
equity 71.0% of total assets
Liquidity
88+9
short-term debt 29.0% · cash 50.6%
Profitability
67+2
return on assets 8.2%
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.7%
12-2024: 0.7%● 0.0% vs 11-2024
01-2025: 0.7%● 0.0% vs 12-2024
02-2025: 0.7%● 0.0% vs 01-2025
03-2025: 0.7%▲ +7.8% vs 02-2025
04-2025: 0.7%▲ +0.6% vs 03-2025
05-2025: 0.7%● 0.0% vs 04-2025
06-2025: 0.7%▼ -0.6% vs 05-2025
07-2025: 0.7%▲ +1.1% vs 06-2025
08-2025: 1.2%▲ +68.7% vs 07-2025
09-2025: 1.4%▲ +18.5% vs 08-2025highest value
10-2025: 0.3%▼ -78.8% vs 09-2025
11-2025: 0.3%▼ -5.0% vs 10-2025
12-2025: 0.3%● 0.0% vs 11-2025
01-2026: 0.3%▼ -3.9% vs 12-2025
02-2026: 0.3%● 0.0% vs 01-2026
03-2026: 0.3%▲ +8.8% vs 02-2026
04-2026: 0.3%▼ -6.0% vs 03-2026
05-2026: 0.2%▼ -12.5% vs 04-2026
06-2026: 0.2%▼ -2.4% vs 05-2026lowest value
07-2026: 0.3%▲ +5.4% vs 06-2026
08-2026: 0.5%▲ +88.5% vs 07-2026
09-2026: 0.6%▲ +28.6% vs 08-2026
10-2026: 1.2%▲ +96.7% vs 09-2026
- Figures for FY 2024 (filed 04-09-2025) raises the probability
- Liquidity: current ratio 3.06, cash €118,358 lowers the probability
- Equity €166,050 (71.0% of total assets) lowers the probability
- 1 financial year not filed after the legal deadline; latest accounts 31 days late; 1 of the last 3 late raises the probability
Credit up to €11,000 at 30 days acceptable
Liquidity ample (current ratio 3.06 against 2.27 in 2023; short-term debt: 29% and cash: 50.6% of total assets), and 29% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, small). Better than this share of them on solvency 88%, liquidity 97%, profitability 51%, growth against the median 61%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 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
not confirmed
2024
31 d late
2023
4 d late
2022
28 d late
2021
193 d late
2020
31 d late
2019
122 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 68 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2024 · full…
- Annual accounts filedfiscal year 2023 · full…
- Weakest financial yearnet €14,443 ▼21.4%
Key points
By topic
Timeline
- Events
- 11
- Since
- 2019
- 31-08-2025Annual accounts filed
- 04-08-2024Annual accounts filed
- 31-12-2023Weakest financial year
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Retail sale of bread and pastry (bakery outlets)NACE 47241
- Founded
- 28-03-2018
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.