Financials
- Financial year
- 2024
- Total assets
- €138,440
- Loss
- -€17,236
- Solvency
- 12.3%
Total assets▲ 5.8%
Net result
20182024
ZAR DENTAL
ActiveSummary
ZAR DENTAL has been active since 2003 and the Belgian Official Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €17,055 and a net result of -€17,236. Equity is growing by about 19% per year across the filed financial years. Its solvency ranks better than 11% of 19,736 sector peers (NACE 86, financial year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Overview
Activity
Dental practice
NACE 86230
1 site
Size
€138,440total assets 2024
- Equity
- €17,055
- Loss
- -€17,236
Turnover not published (micro format)
Structure
Accounts 78 days overdue0 of 1 deed read
Why 53raises riskCapped at 59: a confirmed filing findingLoss of €17,236, the second in a row (financial year 2024)1 financial year not filed after the legal deadline; latest accounts 54 days late; 2 of the last 3 latelowers riskSector: Human health activities (NACE 86)Liquidity: current ratio 0.59, cash €27,789Show the evidence
Checked score
Score 2024
53
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 11% of its sector peers (NACE 86, micro)
A confirmed filing finding caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2023
Weak
Solvency
37-43
equity 12.3% of total assets
Liquidity
44-19
short-term debt 60.4% · cash 20.1%
Profitability
53-9
return on assets -12.4%
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.1%
12-2024: 0.1%● unchanged vs 11-2024
01-2025: 0.1%● unchanged vs 12-2024lowest value
02-2025: 0.1%● unchanged vs 01-2025lowest value
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.2%▲ +0.1 percentage points vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.4%▲ +0.2 percentage points vs 09-2025
11-2025: 0.4%● unchanged vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026
08-2026: 0.5%▲ +0.1 percentage points vs 07-2026
09-2026: 0.5%● unchanged vs 08-2026
10-2026: 0.6%▲ +0.1 percentage points vs 09-2026highest value
Credit of up to €500 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity insufficient (current ratio 0.59, compared with 1.36 in 2023, below 1; short-term debt: 60.4% and cash: 20.1% of total assets), and 87.7% 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 86, micro): better than 16% on solvency, 12% on liquidity, 9% on profitability and 8% on growth.
The bankruptcy probability was computed on 16-10-2026 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).
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Signals
Eight signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year -€17,236
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 19736 sector peers (2024).
NBB · sector comparisonPosition among 19736 sector peers
Solvency
better than 11%
← weakest
strongest →
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, 78 days later.
NBB · 10 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline17-10-2026 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 23-09-2025, 54 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 · 10 filingsDeviation from the deadline
2025
not filed
2024
54 days late
2023
30 days late
2022
32 days late
2021
92 days late
2020
92 days late
2019
101 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 67 days after the deadline; the sector median (NACE 86) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (1)
- Annual accounts filedfinancial year 2024 · micro…
- Weakest financial yearnet -€17,236
- Annual accounts filedfinancial year 2023 · micro…
Key points
- Caution: Equity fell in 2024from €71,381 to €17,055 ▼ 76.1% View
- Caution: Among the weakest 5% on net resultsector median €58,809 · 19,726 companies -€17,236 View
- Caution: Accounts not fileddeadline was 31-07-2026 78 days late View
- Caution: 2 loss-making years in a rowloss financial year 2024 -€17,236 View
By topic
Timeline
- Events
- 23
- Since
- 2005
- 01-09-2023Annual accounts filed
- 31-12-2022Highest result from 2018 to 2024
- 31-10-2022Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company (pre-2019)
- Activity
- Dental practiceNACE 86230
- Founded
- 13-06-2003
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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