ZAPOD
ActiveSummary
The computed 12-month bankruptcy probability of ZAPOD is 6.6% (elevated). The 2025 annual accounts show equity of €38k and a net result of €36k. Equity is growing by ~95% per year across the filed fiscal years. Its solvency ranks better than 41% of 13417 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability93▼-7
Solvency45▲+10
Growth78=
Track record94
Bankruptcy probability, 12 months
6.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity ample (current ratio 1.79 against 2.15 in 2024; short-term debt: 36.2% and cash: 24.9% of total assets), but 79.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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 2025Solvency, return and age of the figures
Solvency
20.1%
Return on assets
19%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
55 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€38k▲ 123%
2024 · €17k
2023: €6klowest in 3 years
2024: €17k▲ +208% vs 2023
2025: €38k▲ +123% vs 2024highest in 3 years
2023 → 2025
Total assets
€189k▲ 5.2%
2024 · €180k
2023: €115klowest in 3 years
2024: €180k▲ +55.7% vs 2023
2025: €189k▲ +5.2% vs 2024highest in 3 years
2023 → 2025
Net result
€36k▼ 22.8%
2024 · €47k
2023: €4klowest in 3 years
2024: €47k▲ +1209% vs 2023highest in 3 years
2025: €36k▼ -22.8% vs 2024
2023 → 2025
Working capital
€54k▼ 9.0%
2024 · €59k
2023: €8klowest in 3 years
2024: €59k▲ +643% vs 2023highest in 3 years
2025: €54k▼ -9.0% vs 2024
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€6k-€17k▲ 208%€38k▲ 123%
2023: €6klowest in 3 years
2024: €17k▲ +208% vs 2023
2025: €38k▲ +123% vs 2024highest in 3 years
Operating result€9k-€55k▲ 509%€47k▼ 15.2%
2023: €9klowest in 3 years
2024: €55k▲ +509% vs 2023highest in 3 years
2025: €47k▼ -15.2% vs 2024
Net result€4k-€47k▲ 1,209%€36k▼ 22.8%
2023: €4klowest in 3 years
2024: €47k▲ +1209% vs 2023highest in 3 years
2025: €36k▼ -22.8% vs 2024
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 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €189k
Fixed assets
€67k ▼ 3.1%
Current assets
€122k ▲ 10.4%
Equity and liabilities €189k
Equity
€38k ▲ 123%
Debt
€151k ▼ 7.1%
Debt's share of the balance-sheet total falls from 90.5% to 79.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€61k▼
2024 · €69k
Cash flow
€50k▼
2024 · €60k
Current ratio
1.79▼
2024 · 2.15
Quick ratio
1.72▼
2024 · 2.09
Debt to equity
3.97▼
2024 · 9.52
ROE
94.5%▼
2024 · 272.4%
ROA
19.0%▼
2024 · 25.9%
Interest coverage
10.16▼
2024 · 11.29
Debt ≤ 1 year
€68k▲
2024 · €52k
Debt > 1 year
€83k▼
2024 · €111k
Income taxes
€5k▲
2024 · €3k
Staff costs
€72k▲
2024 · €38k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€180k€189k▲
Fixed assets21/28€69k€67k▼
Intangible fixed assets21€41k€36k▼
Tangible fixed assets22/27€28k€21k▼
Furniture and vehicles24€21k€16k▼
Other tangible fixed assets26€7k€5k▼
Financial fixed assets28-€10k
Current assets29/58€111k€122k▲
Amounts receivable after more than one year29-€54k
Other amounts receivable291-€54k
Stocks and contracts in progress3€3k€4k▲
Stocks30/36€3k€4k▲
Amounts receivable within one year40/41€20k€16k▼
Trade receivables40€20k€16k▼
Cash at bank and in hand54/58€88k€47k▼
Deferred charges and accrued income490/1-€385
Equity and liabilities
Total equity and liabilities10/49€180k€189k▲
Equity10/15€17k€38k▲
Contributions10/11€2k€2k=
Reserves13€200€200=
Distributable reserves133€200€200=
Profit (loss) carried forward14€15k€36k▲
Amounts payable17/49€163k€151k▼
Amounts payable after more than one year17€111k€83k▼
Financial debts170/4€30k€17k▼
Other amounts payable178/9€81k€65k▼
Amounts payable within one year42/48€52k€68k▲
Current portion of amounts payable after more than one year42€13k€13k▲
Trade debts44€22k€37k▲
Suppliers440/4€22k€37k▲
Taxes, remuneration and social security45€17k€19k▲
Taxes450/3€9k€14k▲
Remuneration and social security454/9€8k€5k▼
Income statement
Code20242025
Remuneration, social security and pensions62€38k€72k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€14k▲
Other operating charges640/8€207€8k▲
Gross operating margin9900€107k€140k▲
Operating profit (loss)9901€55k€47k▼
Financial income75/76B-€385
Recurring financial income75-€385
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€49k€41k▼
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€47k€36k▼
Profit (loss) for the period to be appropriated9905€47k€36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€50k€51k▲
Profit (loss) brought forward from the previous period14P€3k€15k▲
Profit to be distributed694/7€35k€15k▼
Directors or managers695€35k€15k▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €10k | €38k | €72k | ▲ 89.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11k | €13k | €14k | ▲ 3.7% |
| Other operating charges640/8 | €195 | €207 | €8k | ▲ 3,559% |
| Gross operating margin9900 | €30k | €107k | €140k | ▲ 31.3% |
| Operating profit (loss)9901 | €9k | €55k | €47k | ▼ 15.2% |
| Financial income75/76B | €4 | - | €385 | - |
| Recurring financial income75 | €4 | - | €385 | - |
| Financial charges65/66B | €5k | €6k | €6k | ▼ 1.7% |
| Recurring financial charges65 | €5k | €6k | €6k | ▼ 1.7% |
| Profit (loss) for the period before taxes9903 | €4k | €49k | €41k | ▼ 16.1% |
| Income taxes67/77 | €468 | €3k | €5k | ▲ 98.3% |
| Profit (loss) for the period9904 | €4k | €47k | €36k | ▼ 22.8% |
| Profit (loss) for the period to be appropriated9905 | €4k | €47k | €36k | ▼ 22.8% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €115k | €180k | €189k | ▲ 5.2% |
| Fixed assets21/28 | €80k | €69k | €67k | ▼ 3.1% |
| Intangible fixed assets21 | €46k | €41k | €36k | ▼ 12.3% |
| Tangible fixed assets22/27 | €34k | €28k | €21k | ▼ 25.4% |
| Furniture and vehicles24 | €25k | €21k | €16k | ▼ 23.5% |
| Other tangible fixed assets26 | €9k | €7k | €5k | ▼ 31.2% |
| Financial fixed assets28 | - | - | €10k | - |
| Current assets29/58 | €36k | €111k | €122k | ▲ 10.4% |
| Amounts receivable after more than one year29 | - | - | €54k | - |
| Other amounts receivable291 | - | - | €54k | - |
| Stocks and contracts in progress3 | €5k | €3k | €4k | ▲ 37.2% |
| Stocks30/36 | €5k | €3k | €4k | ▲ 37.2% |
| Amounts receivable within one year40/41 | €4k | €20k | €16k | ▼ 20.0% |
| Trade receivables40 | €2k | €20k | €16k | ▼ 20.0% |
| Other amounts receivable41 | €1k | - | - | - |
| Cash at bank and in hand54/58 | €27k | €88k | €47k | ▼ 46.3% |
| Deferred charges and accrued income490/1 | - | - | €385 | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €115k | €180k | €189k | ▲ 5.2% |
| Equity10/15 | €6k | €17k | €38k | ▲ 123% |
| Contributions10/11 | €2k | €2k | €2k | = |
| Reserves13 | €200 | €200 | €200 | = |
| Distributable reserves133 | €200 | €200 | €200 | = |
| Profit (loss) carried forward14 | €3k | €15k | €36k | ▲ 141% |
| Amounts payable17/49 | €110k | €163k | €151k | ▼ 7.1% |
| Amounts payable after more than one year17 | €82k | €111k | €83k | ▼ 25.6% |
| Financial debts170/4 | €43k | €30k | €17k | ▼ 43.2% |
| Other amounts payable178/9 | €40k | €81k | €65k | ▼ 19.0% |
| Amounts payable within one year42/48 | €28k | €52k | €68k | ▲ 32.6% |
| Current portion of amounts payable after more than one year42 | €12k | €13k | €13k | ▲ 4.4% |
| Trade debts44 | €13k | €22k | €37k | ▲ 68.4% |
| Suppliers440/4 | €13k | €22k | €37k | ▲ 68.4% |
| Taxes, remuneration and social security45 | €3k | €17k | €19k | ▲ 8.0% |
| Taxes450/3 | €468 | €9k | €14k | ▲ 47.7% |
| Remuneration and social security454/9 | €3k | €8k | €5k | ▼ 36.9% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €4k | €47k | €36k | ▼ 22.8% |
| + Depreciation and write-downs630 | €11k | €13k | €14k | ▲ 3.7% |
| Operating cash flow (approximation) | €14k | €60k | €50k | ▼ 16.8% |
| Investment in fixed assets (approximation) | - | €-3k | €-12k | ▼ 364% |
| Change in cash | - | €60k | €-41k | ▼ 167% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2023net €47k ▲1,209%
Operating result €55k, net result €47k, both a record.
24-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 55 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Elsene · 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.
Gen.Geneesheer Derachelaan 29-311050 Elsene1 establishment unit
ZAPOD
since 20222.340.780.046
Recognitions · licences · registrations
Food safety, FASFC
1 siteElsene2.340.780.046
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,462. 9,683 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded07-11-2022
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Contact
E-mail
virgipode.94@live.it
Phone
+32456086306
Scores and ratios are computed by Checked and are not a credit decision.