Financials
- Financial year
- 2024
- Total assets
- €119,404
- Profit
- €55,650
- Solvency
- 77.2%
Total assets▲ 7.7%
Net result
20192024
ZANDD ENTERPRISES
ActiveSummary
ZANDD ENTERPRISES has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €92,192 and a net result of €55,650. Equity is growing by about 20% per year across the filed financial years. Its solvency ranks better than 69% of 20,548 sector peers (NACE 62, financial year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Overview
Activity
Computer consultancy and computer facilities management
NACE 62200
1 site
Size
€119,404total assets 2024
- Equity
- €92,192
- Profit
- €55,650
Turnover not published (micro format)
Structure
Accounts 81 days overdue1 of 3 deeds read
Why 57raises riskCapped at 59: a confirmed filing findingFigures for financial year 2024 (filed 04-09-2025)1 change of registered office in 24 monthslowers riskSector: Computer programming, consultancy and related activities (NACE 62)Liquidity: current ratio 3.96, cash €24,171Show the evidence
Checked score
Score 2024
57
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 75% of its sector peers (NACE 62, micro)
A confirmed filing finding caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2023
Strong
Solvency
100+24
equity 77.2% of total assets
Liquidity
67+33
short-term debt 22.8% · cash 20.2%
Profitability
100+72
return on assets 46.6%
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.2%
12-2024: 0.2%● unchanged vs 11-2024
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.6%▲ +0.4 percentage points vs 01-2025
03-2025: 0.6%● unchanged vs 02-2025
04-2025: 0.7%▲ +0.1 percentage points vs 03-2025
05-2025: 0.7%● unchanged vs 04-2025
06-2025: 0.6%▼ -0.1 percentage points vs 05-2025
07-2025: 0.7%▲ +0.1 percentage points vs 06-2025
08-2025: 1.1%▲ +0.4 percentage points vs 07-2025
09-2025: 1.5%▲ +0.4 percentage points vs 08-2025highest value
10-2025: 0.1%▼ -1.4 percentage points vs 09-2025lowest value
11-2025: 0.1%● unchanged vs 10-2025lowest value
12-2025: 0.1%● unchanged vs 11-2025lowest value
01-2026: 0.1%● unchanged vs 12-2025lowest value
02-2026: 0.1%● unchanged vs 01-2026lowest value
03-2026: 0.1%● unchanged vs 02-2026lowest value
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.3%▲ +0.2 percentage points vs 07-2026
09-2026: 0.5%▲ +0.2 percentage points vs 08-2026
10-2026: 0.9%▲ +0.4 percentage points vs 09-2026
Credit of up to €5,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity ample (current ratio 3.96, compared with 1.82 in 2023, above the usual 1.5; short-term debt: 22.8% and cash: 20.2% of total assets), and 22.8% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 62, micro): better than 85% on solvency, 50% on liquidity, 82% on profitability and 83% on growth.
The bankruptcy probability was computed on 19-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 81 days later.
NBB · 6 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline20-10-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 6 filingsDeviation from the deadline
2025
not filed
2024
30 days late
2023
30 days late
2022
30 days late
2021
29 days late
2020
27 days late
2019
132 days 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 46 days after the deadline; the sector median (NACE 62) for financial year 2024 is 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (1)
- Annual accounts filedfinancial year 2024 · micro…
- Registered officeRegistered-office move · Director in…
- Back to profitnet €55,650
Key points
By topic
Timeline
- Events
- 12
- Since
- 2020
- 31-12-2024Liquidity more than doubled
- 30-08-2024Annual accounts filed
- 31-12-2023Weakest financial year
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Computer consultancy and computer facilities managementNACE 62200
- Founded
- 26-10-2018
- 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 payment terms?Credit check What should you check before you do business with this company?Supplier due diligence 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 What changed in the latest annual accounts?What changed
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.