ZARO 2010
ActiveThe computed 12-month bankruptcy probability of ZARO 2010 is 3.8% (moderate). The 2025 annual accounts show equity of €64k and a net result of €-2k. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 90% of 13270 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▼-37
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 4.64 against 11.49 in 2024; short-term debt: 21% and cash: 46.2% of total assets), and 21% of the assets are financed with debt.
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 →
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
79%
Return on assets
-1.9%
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
5 d early
2022
4 d early
2021
9 d early
2020
13 d early
2019
61 d late
2018
14 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€92k
EBIT margin
-11.9%
Net result
€-2k
2024 · €924
2018: €8k
2019: €40k
2020: €-8k
2021: €-10k
2022: €9k
2024: €924
2018 → 2025
Working capital
€62k▼ 2.4%
2024 · €63k
2018: €32k
2019: €48k
2020: €31k
2021: €23k
2022: €42k
2024: €63k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Turnover€92k
Equity€41k-€31k▼ 24.3%€48k▲ 52.7%€65k▲ 36.4%€64k▼ 2.4%
Operating result€-8k-€-11k▼ 43.1%€8k€2k▼ 71.7%€3k▲ 49.0%
Net result€-8k-€-10k▼ 24.8%€9k€924▼ 89.3%€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 49% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €81k
Fixed assets
€2k=
Current assets
€79k▲ 13.6%
Equity and liabilities €81k
Equity
€64k▼ 2.4%
Debt
€17k▲ 182%
The debt ratio rises from 8.5% to 21.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
79.0%▼
2024 · 91.5%
Current ratio
4.64▼
2024 · 11.49
Quick ratio
4.58▼
2024 · 11.38
Debt / equity
0.27▲
2024 · 0.09
ROE
-2.4%▼
2024 · 1.4%
ROA
-1.9%▼
2024 · 1.3%
Debt
€17k▲
2024 · €6k
Debt ≤ 1 year
€17k▲
2024 · €6k
Income taxes
€4k▲
2024 · €2k
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€71k€81k▲
Fixed assets21/28€2k€2k=
Financial fixed assets28€2k€2k=
Current assets29/58€69k€79k▲
Stocks and contracts in progress3€662€889▲
Stocks30/36€662€889▲
Amounts receivable within one year40/41€26k€40k▲
Trade receivables40€15k€40k▲
Other amounts receivable41€12k€240▼
Cash at bank and in hand54/58€41k€37k▼
Deferred charges and accrued income490/1€1k€114▼
Equity and liabilities
Total equity and liabilities10/49€71k€81k▲
Equity10/15€65k€64k▼
Contributions10/11€19k€19k=
Reserves13€10k€10k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€9k€9k=
Profit (loss) carried forward14€36k€35k▼
Amounts payable17/49€6k€17k▲
Amounts payable within one year42/48€6k€17k▲
Trade debts44€755€1k▲
Suppliers440/4€755€1k▲
Taxes, remuneration and social security45€5k€16k▲
Taxes450/3€4k€7k▲
Remuneration and social security454/9€1k€9k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k-
Other operating charges640/8€3k€760▼
Gross operating margin9900€7k€4k▼
Operating profit (loss)9901€2k€3k▲
Financial income75/76B€675-
Recurring financial income75€675-
Financial charges65/66B€344€682▲
Recurring financial charges65€344€682▲
Profit (loss) for the period before taxes9903€2k€3k▲
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€924€-2k▼
Profit (loss) for the period to be appropriated9905€924€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€35k▼
Profit (loss) brought forward from the previous period14P€34k€36k▲
Shareholders' contribution to the loss794€998-
The notes to these accounts (6 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 11.49
Current ratio from 4.53 to 11.49; short-term debt falls from €12k to €6k.
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
31-12
Financial
Highest result since 2018net €40k ▲377%
Operating result €38k, net result €40k, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
21-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Jette · 2 establishment units since 2010
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.
Léon Theodorstraat 1321090 JetteGround area
4,058 m²
Building footprint
1,170 m²
Volume, LiDAR
22,313 m³
2 parcels, Brussels · tallest building 28.0 m, ±8 floors. Linked by address, not a title deed.
2 establishment units
Léon Theodorstraat 132, 1090 Jette
since 20102.189.386.802
Café Mercure
since 20202.304.041.493
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21010B0046/00Z000 | Brussels | 3,940 m² | 1 · 1,052 m² | 28.0 m · 8 fl. |
| 21463D0281/00A008 | Brussels | 118 m² | 1 · 118 m² | 20.2 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesJette2.304.041.493
Jette2.189.386.802
Similar companies · same sector, comparable size
AIT&CO
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BE 0680.885.263
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WIN-ECO
BE 0504.921.919
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LA COMPAGNIE DE JACQUELINE
BE 0878.224.835
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PLAFOND , ART & DECOR
BE 0864.570.995
Sint-Pieters-Leeuw · Eq €64k
Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 8,249 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-05-2010
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
45112
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46180Agents specialised in the wholesale of other particular products
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.