ZAPER
ActiveThe computed 12-month bankruptcy probability of ZAPER is 2.2% (moderate). The 2025 annual accounts show negative equity (€-3k) and a net result of €3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 13204 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+99
Solvency0=
Growth46=
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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 2025Age of the figures
Age of the figures
9 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 13204 sector peers (2025).
NBB · sector comparisonPosition among 13204 sector peers
Solvency
better than 12%
← weakest
strongest →
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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
61 d late
2023
553 d late
2022
92 d late
2021
46 d early
2020
136 d late
2019
116 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€152k▼ 1.7%
2023 · €154k
2019: €154k
2020: €99k
2021: €103k
2022: €129k
2023: €154k
2019 → 2024
EBIT margin
-4.8%▼ 4.2pp
2023 · -0.6%
2019: 6.7%
2020: 3.5%
2021: 21.5%
2022: 5.3%
2023: -0.6%
2019 → 2024
Net result
€3k
2024 · €-8k
2019: €9k
2020: €3k
2021: €22k
2022: €4k
2023: €-741
2024: €-8k
2019 → 2025
Working capital
€-3k▲ 51.5%
2024 · €-7k
2019: €-36k
2020: €-26k
2021: €-6k
2022: €-679
2023: €367
2024: €-7k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€103k-€129k▲ 24.8%€154k▲ 20.1%€152k▼ 1.7%
Equity€-1k-€3k€2k▼ 29.1%€-6k€-3k▲ 53.5%
Operating result€22k-€7k▼ 69.4%€-891€-7k▼ 713%€4k
Net result€22k-€4k▼ 83.7%€-741€-8k▼ 989%€3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €4k after a loss of €7k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4k
Fixed assets
€250▼ 6.2%
Current assets
€4k▲ 3.5%
Key figures and ratios
EBITDA
€4k▲
2024 · €-6k
Cash flow
€3k▲
2024 · €-7k
Interest coverage
10.04▲
2024 · -7.35
Debt
€7k▼
2024 · €10k
Debt ≤ 1 year
€7k▼
2024 · €10k
Staff costs
€68k▲
2024 · €63k
Ratios withheld: a balance sheet total of €4k is too small for a meaningful ratio.
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€4k€4k▲
Fixed assets21/28€266€250▼
Tangible fixed assets22/27€16-
Furniture and vehicles24€16-
Financial fixed assets28€250€250=
Current assets29/58€4k€4k▲
Amounts receivable within one year40/41€280€459▲
Trade receivables40-€258
Other amounts receivable41€280€201▼
Cash at bank and in hand54/58€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€4k€4k▲
Equity10/15€-6k€-3k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€-26k€-22k▲
Amounts payable17/49€10k€7k▼
Amounts payable within one year42/48€10k€7k▼
Trade debts44€5k€255▼
Suppliers440/4€5k€255▼
Taxes, remuneration and social security45€5k€7k▲
Taxes450/3€3k€1k▼
Remuneration and social security454/9€2k€5k▲
Income statement
Code20242025
Turnover70€152k-
Non-recurring operating income76A€0€5▲
Goods, raw materials, services and sundry goods60/61€94k-
Remuneration, social security and pensions62€63k€68k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€16▼
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€0€4▲
Gross operating margin9900€58k€73k▲
Operating profit (loss)9901€-7k€4k▲
Financial income75/76B€4-
Recurring financial income75€4-
Financial charges65/66B€826€372▼
Recurring financial charges65€826€372▼
Profit (loss) for the period before taxes9903€-8k€3k▲
Profit (loss) for the period9904€-8k€3k▲
Profit (loss) for the period to be appropriated9905€-8k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-26k€-22k▲
Profit (loss) brought forward from the previous period14P€-18k€-26k▼
The notes to these accounts (7 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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
04-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 553 days late
2025
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2019net €22k ▲663%
Operating result €22k, net result €22k, both a record.
14-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 136 days late
2020
24-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 116 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 57 days late
2016
08-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, La Louvière · 1 establishment unit since 2008
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.
Rue Sylvain Guyaux(L.L) 207100 La LouvièreGround area
111 m²
Building footprint
71 m²
Volume, LiDAR
762 m³
Parcel 55372D0035/00L020, Wallonia · tallest building 13.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ICI
since 20082.174.625.776
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55372D0035/00L020 | Wallonia | 111 m² | 1 · 71 m² | 13.7 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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BE 0793.825.927
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BE 0794.416.340
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HONG PHAT
BE 0800.093.216
Sint-Lambrechts-Woluwe · Eq €2k
Of 20,495 companies in sector 56111 we hold annual accounts for 11,455. 2,558 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-01-2008
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.