Zamora
ActiveZamora has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €312k and a net result of €124k. Its solvency ranks better than 57% of 19907 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
95
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency98▲+8
Growth52
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.54 against 2.79 in 2023; short-term debt: 26.6% and cash: 80.3% of total assets), and 26.6% 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.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
73.4%
Return on assets
29.2%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 06-07-2025, 25 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
25 d early
2023
7 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€312k▲ 65.8%
2023 · €188k
2023: €188k
2023 → 2024
Total assets
€425k▲ 45.9%
2023 · €291k
2023: €291k
2023 → 2024
Net result
€124k▼ 33.1%
2023 · €185k
2023: €185k
2023 → 2024
Working capital
€287k▲ 55.8%
2023 · €184k
2023: €184k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€188k-€312k▲ 65.8%
Operating result€242k-€161k▼ 33.7%
Net result€185k-€124k▼ 33.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 34% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €425k
Fixed assets
€25k▲ 535%
Current assets
€400k▲ 39.2%
Equity and liabilities €425k
Equity
€312k▲ 65.8%
Debt
€113k▲ 9.5%
The debt ratio falls from 35.4% to 26.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€164k▼
2023 · €243k
Cash flow
€127k▼
2023 · €186k
Solvency
73.4%▲
2023 · 64.6%
Current ratio
3.54▲
2023 · 2.79
Quick ratio
3.54▲
2023 · 2.79
Debt / equity
0.36▼
2023 · 0.55
ROE
39.7%▼
2023 · 98.4%
ROA
29.2%▼
2023 · 63.6%
Interest coverage
164.69▼
2023 · 276.59
Debt
€113k▲
2023 · €103k
Debt ≤ 1 year
€113k▲
2023 · €103k
Income taxes
€36k▼
2023 · €56k
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€291k€425k▲
Fixed assets21/28€4k€25k▲
Tangible fixed assets22/27€4k€25k▲
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€871€22k▲
Current assets29/58€287k€400k▲
Amounts receivable after more than one year29-€27k
Other amounts receivable291-€27k
Amounts receivable within one year40/41-€4k
Other amounts receivable41-€4k
Cash at bank and in hand54/58€279k€341k▲
Deferred charges and accrued income490/1€8k€28k▲
Equity and liabilities
Total equity and liabilities10/49€291k€425k▲
Equity10/15€188k€312k▲
Contributions10/11€3k€3k=
Reserves13€185k€309k▲
Distributable reserves133€185k€309k▲
Profit (loss) carried forward14€45-
Amounts payable17/49€103k€113k▲
Amounts payable within one year42/48€103k€113k▲
Trade debts44€3k€6k▲
Suppliers440/4€3k€6k▲
Taxes, remuneration and social security45€56k€60k▲
Taxes450/3€56k€56k=
Remuneration and social security454/9-€4k
Other amounts payable47/48€44k€46k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€585€3k▲
Other operating charges640/8€329€414▲
Gross operating margin9900€243k€164k▼
Operating profit (loss)9901€242k€161k▼
Financial charges65/66B€879€995▲
Recurring financial charges65€879€995▲
Profit (loss) for the period before taxes9903€242k€160k▼
Income taxes67/77€56k€36k▼
Profit (loss) for the period9904€185k€124k▼
Profit (loss) for the period to be appropriated9905€185k€124k▼
Appropriation of the result
Profit (loss) to be appropriated9906€185k€124k▼
Profit (loss) brought forward from the previous period14P-€45
Transfer to equity691/2€185k€124k▼
To other reserves6921€185k€124k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
06-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €312k ▲65.8%
2 profitable years in a row build equity to €312k.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Antwerpen · 1 establishment unit since 2022
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.
Jacob Jordaensstraat 122018 AntwerpenGround area
159 m²
Building footprint
132 m²
Volume, LiDAR
1,379 m³
Parcel 11806F1445/00L007, Flanders · tallest building 17.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Zamora
since 20222.332.268.592
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11806F1445/00L007 | Flanders | 159 m² | 1 · 132 m² | 17.7 m · 4 fl. |
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.
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Of 6,942 companies in sector 86230 we hold annual accounts for 4,291. 3,687 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-05-2022
Fiscal year end31-12
Activities, NACEBEL
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.