ZAY BATIMENT
ActiveThe computed 12-month bankruptcy probability of ZAY BATIMENT is 2.1% (moderate). The 2026 annual accounts show equity of €36k and a net result of €3k. Equity is growing by ~31.1% per year across the filed fiscal years. Its solvency ranks better than 38% of 130 sector peers (fiscal year 2026). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2026
74
/ 100
Healthy▼ -17 vs 2025
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability38▼-15
Solvency77=
Growth68▼-17
Stability94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.52 against 1.45 in 2025), but 57.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
42.8%
Return on assets
3.2%
Age of the figures
7 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 21-08-2026, 10 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2026
10 d early
2025
51 d early
2024
12 d early
2023
4 d late
2022
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today31-01-2027 close31-08-2027 deadline
Financials · fiscal year 2026, micro schema
Turnover
€561k▲ 23.5%
2024 · €455k
2022: €310k
2023: €575k
2024: €455k
2022 → 2025
EBIT margin
4.1%▲ 1.2pp
2024 · 2.8%
2022: 4.0%
2023: 2.4%
2024: 2.8%
2022 → 2025
Net result
€3k▼ 68.0%
2025 · €8k
2022: €8k
2023: €9k
2024: €5k
2025: €8k
2022 → 2026
Working capital
€25k▲ 42.3%
2025 · €18k
2022: €4k
2023: €8k
2024: €9k
2025: €18k
2022 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Turnover€310k-€575k▲ 85.8%€455k▼ 20.9%€561k▲ 23.5%
Equity€11k-€20k▲ 74.2%€25k▲ 24.1%€33k▲ 34.2%€36k▲ 8.1%
Operating result€12k-€14k▲ 14.4%€13k▼ 7.7%€23k▲ 76.7%€7k▼ 69.0%
Net result€8k-€9k▲ 0.5%€5k▼ 43.3%€8k▲ 75.8%€3k▼ 68.0%
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 2026; 2026 is 69% below 2025 and is the lowest year so far.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €84k
Fixed assets
€11k▼ 36.4%
Current assets
€73k▲ 27.9%
Equity and liabilities €84k
Equity
€36k▲ 8.1%
Debt
€48k▲ 17.0%
The debt ratio rises from 55.2% to 57.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€13k▼
2025 · €30k
Cash flow
€9k▼
2025 · €15k
Solvency
42.8%▼
2025 · 44.8%
Current ratio
1.52▲
2025 · 1.45
Quick ratio
1.52▲
2025 · 1.45
Debt / equity
1.33▲
2025 · 1.23
ROE
7.5%▼
2025 · 25.5%
ROA
3.2%▼
2025 · 11.4%
Interest coverage
2.42▼
2025 · 4.71
Debt
€48k▲
2025 · €41k
Debt ≤ 1 year
€48k▲
2025 · €40k
Income taxes
€3k▲
2025 · €3k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€74k€84k▲
Fixed assets21/28€17k€11k▼
Tangible fixed assets22/27€17k€11k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€13k€8k▼
Current assets29/58€57k€73k▲
Amounts receivable within one year40/41€47k€57k▲
Trade receivables40€24k€23k▼
Other amounts receivable41€23k€33k▲
Cash at bank and in hand54/58€6k€14k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€74k€84k▲
Equity10/15€33k€36k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€30k€33k▲
Amounts payable17/49€41k€48k▲
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€40k€48k▲
Current portion of amounts payable after more than one year42€6k€2k▼
Trade debts44€19k€36k▲
Suppliers440/4€17k€36k▲
Bills of exchange payable441€2k-
Taxes, remuneration and social security45€14k€10k▼
Taxes450/3€3k€7k▲
Remuneration and social security454/9€11k€4k▼
Income statement
Code20252026
Turnover70€561k-
Goods, raw materials, services and sundry goods60/61€530k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€6k▼
Other operating charges640/8€2k€563▼
Gross operating margin9900€31k€14k▼
Operating profit (loss)9901€23k€7k▼
Financial income75/76B€621€4k▲
Recurring financial income75€621€4k▲
Financial charges65/66B€12k€6k▼
Recurring financial charges65€6k€6k▼
Non-recurring financial charges66B€6k-
Profit (loss) for the period before taxes9903€11k€6k▼
Income taxes67/77€3k€3k▲
Profit (loss) for the period9904€8k€3k▼
Profit (loss) for the period to be appropriated9905€8k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€33k▲
Profit (loss) brought forward from the previous period14P€22k€30k▲
The notes to these accounts (4 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 2027, expected by
2026
21-08
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
31-01
Financial
Weakest financial yearnet €3k ▼68%
Net result drops to €3k, the lowest in the series.
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
04-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 4 days late
31-01
Financial
Highest result since 2022net €9k ▲0.5%
Net result €9k, the highest in the series.
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Aalst · 1 establishment unit since 2020
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.
Kapelleommegang 27B9310 AalstGround area
466 m²
Building footprint
117 m²
Volume, LiDAR
634 m³
Parcel 41026B0800/00D000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ZAY BATIMENT
since 20202.310.744.886
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41026B0800/00D000 | Flanders | 466 m² | 1 · 117 m² | 9.9 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
M&M PLUMBING
BE 0844.918.203
Oudergem · Eq €36k
LOODGIETER JEFF
BE 0739.890.561
Kalmthout · Eq €36k
HET BEERBOERKE - RIOLERINGSWERKEN Tom van den Berg
BE 0506.773.728
Essen · Eq €36k
AQUALAIN
BE 0502.427.336
Stekene · Eq €36k
SMETS SANITAIR
BE 0798.584.469
Kortenberg · Eq €36k
Of 6,991 companies in sector 43221 we hold annual accounts for 3,445. 2,806 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2020
Fiscal year end31-01
Activities, NACEBEL
43221Plumbing work
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43211General electrical installation work
43333Wallpapering and laying of floor and wall coverings in other materials
43343Specialised construction activities
43350Other building finishing work
43410Roofing work
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.