ZANDIMMO
ActiveThe annual accounts of ZANDIMMO for fiscal year 2025 show a net loss of 57% of the equity at the start of that year. The 2025 annual accounts show equity of €21k and a net result of €-28k. Equity is growing by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 37% of 9113 sector peers (fiscal year 2025). The company has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-97
Solvency43▼-22
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.89 against 1.58 in 2024; short-term debt: 81.7% and cash: 32.2% of total assets), and 81.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
18.3%
Return on assets
-24.2%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
43 d early
2023
8 d early
2022
12 d early
2021
6 d early
2020
5 d early
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€21k▼ 56.9%
2024 · €49k
2018: €40k
2019: €37k
2020: €47k
2021: €66k
2022: €88k
2023: €90k
2024: €49k
2018 → 2025
Total assets
€114k▼ 6.8%
2024 · €123k
2018: €61k
2019: €52k
2020: €56k
2021: €121k
2022: €131k
2023: €110k
2024: €123k
2018 → 2025
Net result
€-28k
2024 · €28k
2018: €1k
2019: €-3k
2020: €9k
2021: €19k
2022: €22k
2023: €3k
2024: €28k
2018 → 2025
Working capital
€-10k
2024 · €43k
2018: €36k
2019: €33k
2020: €41k
2021: €50k
2022: €80k
2023: €83k
2024: €43k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€66k-€88k▲ 33.9%€90k▲ 3.0%€49k▼ 46.3%€21k▼ 56.9%
Operating result€29k-€30k▲ 5.5%€6k▼ 78.6%€46k▲ 614%€-27k
Net result€19k-€22k▲ 17.7%€3k▼ 88.2%€28k▲ 976%€-28k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €27k after €46k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €114k
Fixed assets
€31k▲ 426%
Current assets
€83k▼ 28.9%
Equity and liabilities €114k
Equity
€21k▼ 56.9%
Debt
€93k▲ 26.1%
The debt ratio rises from 60.3% to 81.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-25k▼
2024 · €49k
Cash flow
€-26k▼
2024 · €31k
Solvency
18.3%▼
2024 · 39.7%
Current ratio
0.89▼
2024 · 1.58
Quick ratio
0.89▼
2024 · 1.58
Debt / equity
4.45▲
2024 · 1.52
ROE
-132.1%▼
2024 · 57.9%
ROA
-24.2%▼
2024 · 22.9%
Interest coverage
-58.68▼
2024 · 106.65
Debt
€93k▲
2024 · €74k
Debt ≤ 1 year
€93k▲
2024 · €74k
Income taxes
€264▼
2024 · €17k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€123k€114k▼
Fixed assets21/28€6k€31k▲
Tangible fixed assets22/27€6k€31k▲
Land and buildings22-€27k
Furniture and vehicles24€509€49▼
Other tangible fixed assets26€5k€5k▼
Financial fixed assets28€120€120=
Current assets29/58€117k€83k▼
Amounts receivable within one year40/41€17k€45k▲
Trade receivables40€16k€41k▲
Other amounts receivable41€890€4k▲
Cash at bank and in hand54/58€98k€37k▼
Deferred charges and accrued income490/1€2k€963▼
Equity and liabilities
Total equity and liabilities10/49€123k€114k▼
Equity10/15€49k€21k▼
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Profit (loss) carried forward14€43k€15k▼
Amounts payable17/49€74k€93k▲
Amounts payable within one year42/48€74k€93k▲
Financial debts43€2k-
Credit institutions430/8€2k-
Trade debts44€6k€28k▲
Suppliers440/4€6k€28k▲
Taxes, remuneration and social security45€11k€16k▲
Taxes450/3€11k€14k▲
Remuneration and social security454/9-€1k
Other amounts payable47/48€55k€50k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€50k€-24k▼
Operating profit (loss)9901€46k€-27k▼
Financial income75/76B€116€216▲
Recurring financial income75€116€216▲
Financial charges65/66B€461€434▼
Recurring financial charges65€461€434▼
Profit (loss) for the period before taxes9903€46k€-27k▼
Income taxes67/77€17k€264▼
Profit (loss) for the period9904€28k€-28k▼
Profit (loss) for the period to be appropriated9905€28k€-28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€43k€15k▼
Profit (loss) brought forward from the previous period14P€15k€43k▲
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
Next filing, fiscal year 2026, expected by
2026
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-28k ▼198%
Net result drops to €-28k, the lowest in the series.
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €28k ▲976%
Operating result €46k, net result €28k, both a record.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Ukkel · 1 establishment unit since 1989
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.
Edith Cavellstraat 521180 UkkelGround area
644 m²
Building footprint
258 m²
Volume, LiDAR
4,010 m³
Parcel 21612C0003/00S019, Brussels · tallest building 19.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
ZANDIMMO SPRL
since 19892.045.818.585
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612C0003/00S019 | Brussels | 644 m² | 1 · 258 m² | 19.6 m · 5 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 11,749 companies in sector 68310 we hold annual accounts for 6,906. 3,980 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-11-1989
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.