Skip to content

ZAMEX

Active
Private limited company (pre-2019)founded 2004active for 22 yearsStaatsbaan 76, 3545 Halen, BelgiumKBO/BCE: BE 0870.130.976
Summary

ZAMEX has been active since 2004 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €985,538 and a net result of €156,297. Equity has been growing by about 13% per year since 2019. Its solvency ranks better than 19% of 9,895 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Overview

Official details

Source: KBO
Status
Active since 26-10-2004 Normal situation
Activity
Floor and wall tiling NACE 43331
Joint committees
124 Paritair Comité voor het bouwbedrijf
200 Aanvullend Paritair Comité voor de bedienden · annual accounts 30-04-2025
Establishment unit
2.144.027.919 3545 Halen, since 23-11-2004
Financial year end
30 April
Peppol
Reachable since 25-08-2025

Board and ownership

Board
  • Bam Service! BVDirector
  • Zambuto GeoffreyDirector

Financial position

68 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.7%
Annual accounts to 30-04-2025
Gross margin
€287,019
▼ 42.1%
Turnover
≈ €840,000
estimated
Profit
€156,297
▲ 547%
Equity
€985,538
▲ 18.8%
Total assets
€5.5m
▲ 24.3%
Employees on 30-04-2025
1
Filed on 28-11-2025, 2 days before the deadline
Score breakdownraises riskLiquidity: current ratio 1.21, cash €167,395Sector: Specialised construction activities (NACE 43)Equity €985,538 (17.9% of total assets)lowers riskSize: 0.3 FTE, total assets €5.5mShow the evidence

Checked score

Score 2025
68 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 29% of micro companies in specialised construction (NACE 43)
Financial strength · tick: 2024
Weak
Solvency 43-1
equity 17.9% of total assets
Liquidity 10+3
short-term debt 80.3% · cash 3.0%
Profitability 46+10
return on assets 2.8%
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,674 companies, NACE 43, micro)
Last 24 months 12-2024: 0.6% 01-2025: 0.6%● unchanged vs 12-2024 02-2025: 0.6%● unchanged vs 01-2025 03-2025: 0.6%● unchanged vs 02-2025 04-2025: 0.6%● unchanged vs 03-2025 05-2025: 0.6%● unchanged vs 04-2025 06-2025: 0.6%● unchanged vs 05-2025 07-2025: 0.6%● unchanged vs 06-2025 08-2025: 0.7%▲ +0.1 percentage points vs 07-2025 09-2025: 0.7%● unchanged vs 08-2025 10-2025: 0.8%▲ +0.1 percentage points vs 09-2025 11-2025: 1.0%▲ +0.2 percentage points vs 10-2025highest value 12-2025: 0.3%▼ -0.7 percentage points vs 11-2025lowest value 01-2026: 0.3%● unchanged vs 12-2025lowest value 02-2026: 0.3%● unchanged vs 01-2026lowest value 03-2026: 0.3%● unchanged vs 02-2026lowest value 04-2026: 0.3%● unchanged vs 03-2026lowest value 05-2026: 0.3%● unchanged vs 04-2026lowest value 06-2026: 0.3%● unchanged vs 05-2026lowest value 07-2026: 0.3%● unchanged vs 06-2026 08-2026: 0.4%▲ +0.1 percentage points vs 07-2026 09-2026: 0.4%● unchanged vs 08-2026 10-2026: 0.7%▲ +0.3 percentage points vs 09-2026 11-2026: 0.7%● unchanged vs 10-2026
Credit of up to €65,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.21 (1.21 in 2024), below the usual 1.5. Short-term debt is 80.3% and cash 3% of total assets. 82.1% of the assets are financed with debt and provisions.
Calculation

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 20% of them on solvency, 6% on liquidity, 22% on profitability and 66% on growth.

The bankruptcy probability was computed on 01-11-2026 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.

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).

Credit check for an amount and term of your choice

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.

Signals

Six signals.
lowers riskraises riskneutral
raises risk · Liquidity: current ratio 1.21, cash €167,395
NBB · annual accounts
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
lowers risk · Size: 0.3 FTE, total assets €5.5m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Equity €985,538 (17.9% of total assets)
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 9895 sector peers (2025).
NBB · sector comparison
Position among 9895 sector peers
Solvency
better than 19%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-04-2025 was due by 30-11-2025 and was filed on 28-11-2025, 2 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
2 days early
2024
2 days early
2023
on the day
2022
5 days early
2021
on the day
2020
on the day
2019
33 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 6 days before 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.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-04-2026 is due by 30-11-2026. Nothing is late today. The company usually files around 28 November (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-04-2026 year end02-11-2026 today30-11-2026 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Result rose in 2025from €24,147 to €156,297 ▲ 547% View
  • Caution: Lower solvency than 81% of companies in specialised constructionsector median 44.0% · 9,895 companies 17.9% View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Positive: 7 profitable years in a rowprofit 2025: €156,297 7 years View

Recent changes

  1. · Gazette deed Incorporation
All 13 events

Comparable companies

These companies have the same main activity as ZAMEX: floor and wall tiling (NACE 43331). They are comparable in size and age: total assets between €2.4m and €4.5m, founded between 1998 and 2010.

CompanyTotal assetsGross margin
ZAMEX Halen€5.5m€0.3m
BEYENS Wim Kruisem€3.0m€0.3m
JC-CONCEPT Scherpenheuvel-Zichem€3.2m€0.3m
BERAT Beringen€4.5m€0.4m
DIECAPART Kortrijk€2.4m€0.1m
GOMERCO Hoogstraten€3.8m€1.0m
MEY Hasselt€4.5m€0.3m
Full comparison

Key facts about ZAMEX

What is the company number of ZAMEX?
The company number of ZAMEX is 0870.130.976. The VAT number is the same number with BE in front: BE 0870.130.976.
Where is ZAMEX based?
The registered office is at Staatsbaan 76, 3545 Halen.Company details
What does ZAMEX do?
According to the KBO register, the main activity is floor and wall tiling (NACE 43331).
What is the legal form of ZAMEX?
The legal form of ZAMEX is Private limited company (pre-2019) (BVBA).
When was ZAMEX founded?
ZAMEX was founded on 26-10-2004.
Is ZAMEX still active?
Yes, ZAMEX is an active enterprise in the KBO register.
How many employees does ZAMEX have?
ZAMEX had an average of 0.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does ZAMEX fall under?
In its 30-04-2025 annual accounts, ZAMEX states joint committees 124 (Paritair Comité voor het bouwbedrijf) and 200 (Aanvullend Paritair Comité voor de bedienden).
What is the turnover of ZAMEX?
The turnover in financial year 2025 is ≈ €840,000. This figure is estimated from the gross margin of €287,019 and 40 comparable companies (NACE 433). It probably lies between €630,000 and €1.0m.
Is ZAMEX profitable?
In financial year 2025, ZAMEX made a profit of €156,297.
Where can I find the annual accounts of ZAMEX?
ZAMEX filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of ZAMEX due?
ZAMEX must file the annual accounts for financial year 2026 by 30-11-2026.Timeline

Next steps

See how customers, suppliers and banks see your own company and what to improve first.

Keep this company with today's facts in a case file.