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ZAYA

Active
Private limited companyfounded 2021active for 5 yearsGrand Place(BT) 1, 6500 Beaumont, BelgiumKBO/BCE: BE 0775.872.415
Summary

The computed 12-month bankruptcy probability of ZAYA is 5.9% (elevated). The 2024 annual accounts show equity of €16,763 and a net result of €1,041. Equity has been growing by about 50% per year since 2022. Its solvency ranks better than 38% of 25,566 sector peers (NACE 47, financial year 2024). The company has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 18-10-2021 Normal situation
Activity
Non-specialised retail sale with food, beverages or tobacco predominating NACE 47110
Joint committee
201 Paritair Comité voor de zelfstandige kleinhandel · annual accounts 2022
Establishment unit
2.323.246.109 6500 Beaumont, since 18-10-2021
Financial year end
31 December
Peppol
Reachable since 03-01-2026

Board and ownership

Board

Financial position

36 Weak Checked score 2024
Bankruptcy probabilitywithin 12 months
5.9%
Annual accounts 2024
Gross margin
€55,081
▼ 17.0%
Turnover
≈ €590,000
estimated
Profit
€1,041
▼ 92.9%
Equity
€16,763
▲ 6.6%
Total assets
€88,110
▲ 31.7%
Staff
≈ 1.3 FTE
estimated
  • 2025 accounts not filed, 93 days past the deadline
Filed on 31-10-2025
Score breakdownraises risk1 financial year not filed after the legal deadline; last filed accounts filed 92 days late; 3 of the last 3 accounts lateFigures for financial year 2024 (filed on 31-10-2025)Founded in 2021Size: total assets €88,110Show the evidence

Checked score

Score 2024
36 / 100
Weak
Probability in this band: 4.2% to 15.0%
Financially stronger than 39% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2023
Weak
Solvency 44-5
equity 19.0% of total assets
Liquidity 16-17
short-term debt 81.0% · cash 8.4%
Profitability 70-2
return on assets 1.2%
Bankruptcy probability within 12 months
5.9% Elevated
0%0.5%1.5%4%10%≥ 25%

About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,272 companies, NACE 47, micro)
Last 24 months 12-2024: 2.9% 01-2025: 2.9%● unchanged vs 12-2024 02-2025: 2.9%● unchanged vs 01-2025 03-2025: 2.9%● unchanged vs 02-2025 04-2025: 2.9%● unchanged vs 03-2025 05-2025: 2.9%● unchanged vs 04-2025 06-2025: 2.6%▼ -0.3 percentage points vs 05-2025lowest value 07-2025: 2.7%▲ +0.1 percentage points vs 06-2025 08-2025: 3.3%▲ +0.6 percentage points vs 07-2025 09-2025: 3.6%▲ +0.3 percentage points vs 08-2025 10-2025: 4.8%▲ +1.2 percentage points vs 09-2025 11-2025: 3.8%▼ -1.0 percentage point vs 10-2025 12-2025: 3.8%● unchanged vs 11-2025 01-2026: 3.7%▼ -0.1 percentage points vs 12-2025 02-2026: 3.7%● unchanged vs 01-2026 03-2026: 3.7%● unchanged vs 02-2026 04-2026: 3.8%▲ +0.1 percentage points vs 03-2026 05-2026: 3.9%▲ +0.1 percentage points vs 04-2026 06-2026: 3.9%● unchanged vs 05-2026 07-2026: 4.0%▲ +0.1 percentage points vs 06-2026 08-2026: 4.6%▲ +0.6 percentage points vs 07-2026 09-2026: 4.8%▲ +0.2 percentage points vs 08-2026 10-2026: 5.9%▲ +1.1 percentage points vs 09-2026highest value 11-2026: 5.9%● unchanged vs 10-2026highest value
Credit of up to €500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity is tight, with a current ratio of 1.02 (1.15 in 2023), below the usual 1.5. Short-term debt is 81% and cash 8.4% of total assets. 81% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 35% of them on solvency, 15% on liquidity, 52% on profitability and 55% on growth.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
raises risk
raises risk · 1 financial year not filed after the legal deadline; last filed accounts filed 92 days late; 3 of the last 3 accounts late
NBB · filings
raises risk · Figures for financial year 2024 (filed on 31-10-2025)
NBB · annual accounts
raises risk · Founded in 2021
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Size: total assets €88,110
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 93 days later.
NBB · 3 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline01-11-2026 today
raises risk · 2024 accounts filed 92 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: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 3 filings
Deviation from the deadline
2025
not filed
2024
92 days late
2023
91 days late
2022
46 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 3 accounts on average 76 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Comparable companies

These companies have the same main activity as ZAYA: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €68,400 and €103,000, founded between 2021 and 2022.

CompanyTotal assetsGross margin
ZAYA Beaumont€88,110€55,081
B.J.K. IMPORT EXPORT Mons€86,140€48,675
ADEM 38 Charleroi€90,336€61,521
SUBHAN MIRZA La Louvière€102,510€45,394
SHAHMIR Charleroi€74,898€72,403
EVIMSAHI77 Courcelles€68,366€50,908
Z & Y Brussel€94,426€58,533
Full comparison

Key facts about ZAYA

What is the company number of ZAYA?
The company number of ZAYA is 0775.872.415. The VAT number is the same number with BE in front: BE 0775.872.415.
Where is ZAYA based?
The registered office is at Grand Place(BT) 1, 6500 Beaumont.Company details
What does ZAYA do?
According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
What is the legal form of ZAYA?
The legal form of ZAYA is Private limited company (BV).
When was ZAYA founded?
ZAYA was founded on 18-10-2021.
Is ZAYA still active?
Yes, ZAYA is an active enterprise in the KBO register.
How many employees does ZAYA have?
ZAYA had an average of 1.6 full-time equivalents in financial year 2022, according to the filed annual accounts.Financials
Which joint committee does ZAYA fall under?
In its 2022 annual accounts, ZAYA states joint committee 201 (Paritair Comité voor de zelfstandige kleinhandel).
What is the turnover of ZAYA?
The turnover in financial year 2024 is ≈ €590,000. This figure is estimated from the gross margin of €55,081 and 99 comparable companies (NACE 47110). It probably lies between €410,000 and €860,000.
Is ZAYA profitable?
In financial year 2024, ZAYA made a profit of €1,041.
Where can I find the annual accounts of ZAYA?
ZAYA filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2024.

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