ZAROLL
ActiveSummary
ZAROLL has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.09M and a net result of €2k. Equity is growing by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 48% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▼-4
Solvency78▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity short (current ratio 0.16 against 11.92 in 2024; short-term debt: 35.1% and cash: 0% of total assets), and 46.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
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
53.2%
Return on assets
0.1%
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 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
15 d early
2023
29 d late
2022
13 d early
2021
11 d early
2020
12 d late
2019
84 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.09M▲ 0.2%
2024 · €1.09M
2018: €620k
2019: €683k
2020: €898k
2021: €1.01M
2022: €1.09M
2023: €1.00M
2024: €1.09M
2018 → 2025
Total assets
€2.05M▲ 1.4%
2024 · €2.02M
2018: €2.37M
2019: €2.36M
2020: €2.42M
2021: €2.38M
2022: €2.36M
2023: €2.17M
2024: €2.02M
2018 → 2025
Net result
€2k▼ 98.1%
2024 · €89k
2018: €221k
2019: €63k
2020: €215k
2021: €117k
2022: €77k
2023: €-90k
2024: €89k
2018 → 2025
Working capital
€-606k
2024 · €32k
2018: €-606k
2019: €-673k
2020: €-470k
2021: €-299k
2022: €-200k
2023: €91k
2024: €32k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.01M-€1.09M▲ 7.6%€1.00M▼ 8.2%€1.09M▲ 8.9%€1.09M▲ 0.2%
Operating result€234k-€157k▼ 32.9%€-28k€140k€48k▼ 65.3%
Net result€117k-€77k▼ 34.0%€-90k€89k€2k▼ 98.1%
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 falls in 2025; 2025 is 65% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.05M
Fixed assets
€1.94M ▼ 2.6%
Current assets
€114k ▲ 231%
Equity and liabilities €2.05M
Equity
€1.09M ▲ 0.2%
Debt
€960k ▲ 2.8%
Debt's share of the balance-sheet total rises from 46.1% to 46.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€100k▼
2024 · €195k
Cash flow
€53k▼
2024 · €144k
Current ratio
0.16▼
2024 · 11.92
Debt to equity
0.88▲
2024 · 0.86
ROE
0.2%▼
2024 · 8.1%
ROA
0.1%▼
2024 · 4.4%
Interest coverage
3.93▲
2024 · 3.83
Debt ≤ 1 year
€720k▲
2024 · €3k
Debt > 1 year
€240k▼
2024 · €930k
Income taxes
€21k
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€2.02M€2.05M▲
Fixed assets21/28€1.99M€1.94M▼
Tangible fixed assets22/27€1.99M€1.94M▼
Land and buildings22€1.87M€1.92M▲
Plant, machinery and equipment23€40k€0▼
Furniture and vehicles24€21k€14k▼
Leasing and similar rights25€18k€0▼
Other tangible fixed assets26€36k€0▼
Current assets29/58€34k€114k▲
Amounts receivable after more than one year29-€103k
Other amounts receivable291-€103k
Amounts receivable within one year40/41€17k€8k▼
Trade receivables40-€5k
Other amounts receivable41€17k€3k▼
Cash at bank and in hand54/58€14k€0▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€2.02M€2.05M▲
Equity10/15€1.09M€1.09M▲
Contributions10/11€198k€198k=
Revaluation surpluses12€752k€752k=
Reserves13€96k€143k▲
Tax-exempt reserves132€96k-
Distributable reserves133-€143k
Profit (loss) carried forward14€45k€0▼
Amounts payable17/49€933k€960k▲
Amounts payable after more than one year17€930k€240k▼
Financial debts170/4€930k€240k▼
Amounts payable within one year42/48€3k€720k▲
Financial debts43-€66k
Credit institutions430/8-€66k
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€1k€21k▲
Taxes450/3€1k€21k▲
Other amounts payable47/48-€630k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€51k▼
Other operating charges640/8€8k€12k▲
Non-recurring operating charges66A-€3k
Gross operating margin9900€203k€115k▼
Operating profit (loss)9901€140k€48k▼
Financial charges65/66B€51k€25k▼
Recurring financial charges65€51k€25k▼
Profit (loss) for the period before taxes9903€89k€23k▼
Income taxes67/77-€21k
Profit (loss) for the period9904€89k€2k▼
Profit (loss) for the period to be appropriated9905€89k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€45k€47k▲
Profit (loss) brought forward from the previous period14P€-44k€45k▲
Transfer to equity691/2-€47k
To other reserves6921-€47k
The notes to these accounts (9 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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €89k
Net result €89k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 11.92
Current ratio from 3.36 to 11.92; short-term debt falls from €39k to €3k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-90k ▼216%
Net result drops to €-90k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 6current ratio 3.36
Current ratio from 0.56 to 3.36; short-term debt falls from €456k to €39k.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €1MEq €1.01M ▲13%
4 profitable years in a row build equity to €1.01M.
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 12 days late
2020
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 84 days late
Show earlier events
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 21 days late
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 17 days late
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Pelt · 1 establishment unit since 1990
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.
Wildlaan 63910 PeltGround area
4,832 m²
Building footprint
809 m²
Volume, LiDAR
4,099 m³
Parcel 72025A0186/00M041, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ZAROLL
since 19902.049.721.153
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72025A0186/00M041 | Flanders | 4,832 m² | 1 · 809 m² | 8.1 m · 2 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.
Similar companies · same sector, comparable size
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ALL BUILDING PROMOTIONS
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Sint-Martens-Latem · Eq €1,091,953
TH Project & Management
BE 0830.704.931
Elsene · Eq €1,091,893
Recolis
BE 1019.377.552
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 26,871 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-08-1990
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.