ZAUM & PARTNERS
ActiveSummary
ZAUM & PARTNERS has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26k and a net result of €579. Equity is growing by ~23.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability43▼-23
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 19.96 against 23.2 in 2023; short-term debt: 5% and cash: 36.2% of total assets), and 5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
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
95%
Return on assets
2.1%
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 21-09-2026, 52 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 · 10 filingsDeviation from the deadline
2025
52 d late
2023
15 d early
2022
65 d late
2021
26 d late
2020
23 d early
2019
101 d late
2018
58 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
€26k▲ 0.3%
2023 · €26k
2018: €-11k
2019: €10k
2020: €16k
2021: €12k
2022: €23k
2023: €26k
2018 → 2025
Total assets
€27k▲ 1.1%
2023 · €27k
2018: €20k
2019: €15k
2020: €16k
2021: €12k
2022: €24k
2023: €27k
2018 → 2025
Net result
€579▼ 81.1%
2023 · €3k
2018: €-820
2019: €22k
2020: €6k
2021: €-5k
2022: €11k
2023: €3k
2018 → 2025
Working capital
€26k▲ 0.3%
2023 · €26k
2018: €-11k
2019: €10k
2021: €12k
2022: €23k
2023: €26k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232025Trend
Equity€16k-€12k▼ 29.5%€23k▲ 97.1%€26k▲ 13.4%€26k▲ 0.3%
Operating result€5k-€-5k€11k€3k▼ 76.2%€579▼ 77.3%
Net result€6k-€-5k€11k€3k▼ 72.8%€579▼ 81.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €579 in 2025, compared with €3k in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Equity and liabilities €27k
Equity
€26k ▲ 0.3%
Debt
€1k ▲ 17.4%
Debt's share of the balance-sheet total rises from 4.3% to 5.0%. Equity and debt are higher.
Key figures and ratios
Current ratio
19.96▼
2023 · 23.20
Debt to equity
0.05▲
2023 · 0.05
ROE
2.2%▼
2023 · 11.8%
ROA
2.1%▼
2023 · 11.3%
Debt ≤ 1 year
€1k▲
2023 · €1k
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 2023 · 29 lines
Balance sheet
Code20232025
Assets
Total assets20/58€27k€27k▲
Current assets29/58€27k€27k▲
Amounts receivable within one year40/41€13k€17k▲
Trade receivables40€3k€3k=
Other amounts receivable41€10k€14k▲
Cash at bank and in hand54/58€14k€10k▼
Deferred charges and accrued income490/1-€218
Equity and liabilities
Total equity and liabilities10/49€27k€27k▲
Equity10/15€26k€26k▲
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€12k€12k▲
Amounts payable17/49€1k€1k▲
Amounts payable within one year42/48€1k€1k▲
Trade debts44€348€551▲
Suppliers440/4€348€551▲
Advances received on contracts in progress46€822€822=
Income statement
Code20232025
Other operating charges640/8€665-
Gross operating margin9900€3k€579▼
Operating profit (loss)9901€3k€579▼
Financial income75/76B€513-
Recurring financial income75€513-
Profit (loss) for the period before taxes9903€3k€579▼
Profit (loss) for the period9904€3k€579▼
Profit (loss) for the period to be appropriated9905€3k€579▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€12k▲
Profit (loss) brought forward from the previous period14P€9k€11k▲
The notes to these accounts (5 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
21-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 52 days late
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 65 days late
2022
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Weakest financial yearnet €-5k ▼179%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 101 days late
2019
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 2.99
Current ratio from 0.64 to 2.99; short-term debt falls from €32k to €5k.
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 58 days late
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
2017
20-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 51 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Brussel · 1 establishment unit since 2007
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.
Bischoffsheimlaan 391000 BrusselGround area
808 m²
Building footprint
279 m²
Volume, LiDAR
6,467 m³
Parcel 21803C0630/00H003, Brussels · tallest building 26.6 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
ZAUM & PARTNERS
since 20072.380.806.008
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21803C0630/00H003 | Brussels | 808 m² | 1 · 279 m² | 26.6 m · 8 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
MATHY IRENE, SOCIETE D'AVOCAT
BE 0669.927.629
Elsene · Eq €26,042
ROBBE STROOBANTS ADVOCAAT
BE 1014.348.497
Boortmeerbeek · Eq €26,061
Jessica Forster
BE 0763.966.060
Les Bons Villers · Eq €26,024
N. Bejta Advocatenkantoor
BE 0795.751.871
Schilde · Eq €26,078
Allegro
BE 1009.862.248
Gent · Eq €25,983
Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 6,505 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 (pre-2019)
Founded08-05-2007
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.