ZAYA
ActiveThe computed 12-month bankruptcy probability of ZAYA is 2.4% (moderate). The 2024 annual accounts show equity of €17k and a net result of €1k. Equity is growing by ~49.8% per year across the filed fiscal years. Its solvency ranks better than 38% of 26051 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability31▼-69
Solvency24▼-13
Growth78=
Stability94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.02 against 1.15 in 2023), and 81% 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.
+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
19%
Return on assets
1.2%
Age of the figures
20 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
92 d late
2023
91 d late
2022
46 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€17k▲ 6.6%
2023 · €16k
2022: €1k
2023: €16k
2022 → 2024
Total assets
€88k▲ 31.7%
2023 · €67k
2022: €68k
2023: €67k
2022 → 2024
Net result
€1k▼ 92.9%
2023 · €15k
2022: €-887
2023: €15k
2022 → 2024
Working capital
€1k▼ 80.9%
2023 · €8k
2022: €-2k
2023: €8k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€1k-€16k▲ 1,313%€17k▲ 6.6%
Operating result€16k-€29k▲ 85.4%€2k▼ 92.5%
Net result€-887-€15k€1k▼ 92.9%
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 2024; 2024 is 93% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €88k
Fixed assets
€15k▲ 86.5%
Current assets
€73k▲ 24.0%
Equity and liabilities €88k
Equity
€17k▲ 6.6%
Debt
€71k▲ 39.4%
The debt ratio rises from 76.5% to 81.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€7k▼
2023 · €33k
Cash flow
€6k▼
2023 · €18k
Solvency
19.0%▼
2023 · 23.5%
Current ratio
1.02▼
2023 · 1.15
Quick ratio
0.29▼
2023 · 0.41
Debt / equity
4.26▲
2023 · 3.25
ROE
6.2%▼
2023 · 92.9%
ROA
1.2%▼
2023 · 21.8%
Interest coverage
9.53▲
2023 · 3.10
Debt
€71k▲
2023 · €51k
Debt ≤ 1 year
€71k▲
2023 · €51k
Income taxes
€471▼
2023 · €4k
Staff costs
€38k▲
2023 · €32k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€67k€88k▲
Fixed assets21/28€8k€15k▲
Tangible fixed assets22/27€8k€15k▲
Plant, machinery and equipment23€5k€5k▲
Furniture and vehicles24€2k€2k▲
Other tangible fixed assets26€2k€8k▲
Current assets29/58€59k€73k▲
Stocks and contracts in progress3€38k€52k▲
Stocks30/36€38k€52k▲
Amounts receivable within one year40/41€8k€14k▲
Trade receivables40€1-
Other amounts receivable41€8k€14k▲
Cash at bank and in hand54/58€13k€7k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€67k€88k▲
Equity10/15€16k€17k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€14k€15k▲
Amounts payable17/49€51k€71k▲
Amounts payable within one year42/48€51k€71k▲
Trade debts44€36k€63k▲
Suppliers440/4€36k€63k▲
Taxes, remuneration and social security45€10k€9k▼
Taxes450/3€7k€4k▼
Remuneration and social security454/9€3k€5k▲
Other amounts payable47/48€5k-
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Remuneration, social security and pensions62€32k€38k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€1k€10k▲
Non-recurring operating charges66A€45-
Gross operating margin9900€66k€55k▼
Operating profit (loss)9901€29k€2k▼
Financial income75/76B€0€98▲
Recurring financial income75€0€98▲
Financial charges65/66B€11k€756▼
Recurring financial charges65€11k€756▼
Profit (loss) for the period before taxes9903€18k€2k▼
Income taxes67/77€4k€471▼
Profit (loss) for the period9904€15k€1k▼
Profit (loss) for the period to be appropriated9905€15k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€15k▲
Profit (loss) brought forward from the previous period14P€-887€14k▲
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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 91 days late
2023
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
15-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 46 days late
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, Beaumont · 1 establishment unit since 2021
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.
Grand Place(BT) 16500 BeaumontGround area
265 m²
Building footprint
28 m²
Volume, LiDAR
289 m³
Parcel 56005A0361/00L000, Wallonia · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Grand Place(BT) 1, 6500 Beaumont
since 20212.323.246.109
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56005A0361/00L000 | Wallonia | 265 m² | 1 · 28 m² | 12.9 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBeaumont2.323.246.109
Similar companies · same sector, comparable size
NAVAMA
BE 0873.566.261
Ohey · Eq €17k
MILANMA
BE 0768.875.250
Ninove · Eq €17k
DISTRIFAFOOD
BE 0761.797.715
Mouscron · Eq €17k
EVIN YILMAZ
BE 0475.279.214
Leuven · Eq €17k
AAWAN
BE 0860.342.785
Pelt · Eq €17k
Of 10,412 companies in sector 47110 we hold annual accounts for 5,786. 3,941 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-10-2021
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.