ZAYANE
ActiveSummary
The computed 12-month bankruptcy probability of ZAYANE is 3.5% (moderate). The 2025 annual accounts show equity of €19,093 and a net result of -€4,991. Equity is growing by ~20.6% per year across the filed fiscal years. Its solvency ranks better than 23% of 4718 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability52▼-48
Solvency37▼-43
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
3.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.79 against 3.0 in 2024; short-term debt: 31.6% and cash: 0% of total assets), and 88.3% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Land transport and transport via pipelines (NACE 49)
about 141% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · 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 2025Solvency, return and age of the figures
Solvency
11.7%
Return on assets
-3.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 4718 sector peers (2025).
NBB · sector comparisonPosition among 4718 sector peers
Solvency
better than 23%
← weakest
strongest →
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 02-06-2026, 59 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
59 d early
2024
142 d early
2023
162 d early
2022
81 d early
2021
53 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 99 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 49% of the sector filed late.
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. Usually files around 11 May (4 of the last 5 filed years within 61 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€19,093▼ 20.7%
2024 · €24,084
Total assets
€163,299▲ 272%
2024 · €43,949
Net result
-€4,991
2024 · €15,933
Working capital
-€10,652
2024 · €21,743
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 49, Land transport and transport via pipelines, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€616-€25,348-€964€22,480€306▼ 98.6%
Net result-€974below the sector's middle half-€19,194within the sector's middle half-€2,224within the sector's middle half€15,933within the sector's middle half-€4,991below the sector's middle half
Equity€26below the sector's middle half-€18,420within the sector's middle half▲ 70,774%€16,197within the sector's middle half▼ 12.1%€24,084within the sector's middle half▲ 48.7%€19,093within the sector's middle half▼ 20.7%
Total assets€42,279within the sector's middle half-€45,877within the sector's middle half▲ 8.5%€40,271below the sector's middle half▼ 12.2%€43,949within the sector's middle half▲ 9.1%€163,299within the sector's middle half▲ 272%
Debt€42,253-€27,457▼ 35.0%€24,074▼ 12.3%€19,866▼ 17.5%€144,206▲ 626%
Working capital-€17,037below the sector's middle half-€8,807within the sector's middle half€8,409within the sector's middle half▼ 4.5%€21,743within the sector's middle half▲ 159%-€10,652within the sector's middle half
Solvency0.1%below the sector's middle half-40.2%within the sector's middle half▲ 40.1pp40.2%within the sector's middle half▲ 0.1pp54.8%within the sector's middle half▲ 14.6pp11.7%below the sector's middle half▼ 43.1pp
Current ratio0.49below the sector's middle half-1.51within the sector's middle half▲ 1.021.58within the sector's middle half▲ 0.073.00above the sector's middle half▲ 1.420.79within the sector's middle half▼ 2.21
Return on assets (ROA)-2.3%below the sector's middle half-41.8%above the sector's middle half▲ 44.1pp-5.5%below the sector's middle half▼ 47.4pp36.3%above the sector's middle half▲ 41.8pp-3.1%below the sector's middle half▼ 39.3pp
Staff (FTE)0-
above
within
below
the middle half (P25 to P75) of NACE 49, Land transport and transport via pipelines, each year against the same schema; no band under 30 filings.
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 2025; 2025 is 99% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €163,299
Fixed assets
€122,380 ▲ 979%
Current assets
€40,919 ▲ 25.5%
Equity and liabilities €163,299
Equity
€19,093 ▼ 20.7%
Debt
€144,206 ▲ 626%
Debt's share of the balance-sheet total rises from 45.2% to 88.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€6,273▼
2024 · €28,518
Cash flow
€976▼
2024 · €21,971
Debt to equity
7.55▲
2024 · 0.82
ROE
-26.1%▼
2024 · 66.2%
Interest coverage
4.45▼
2024 · 40.34
Debt ≤ 1 year
€51,571▲
2024 · €10,866
Debt > 1 year
€92,635▲
2024 · €9,000
Income taxes
€4,136▼
2024 · €5,916
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,548 companies that looked in July 2024 the way this one looks now, 4.3% went bankrupt within 24 months and 91% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a small loss
4.3%
went bankrupt
3.9%
stopped otherwise
91%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 3.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,548 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €304 | €1,648 | €250 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,852 | €6,259 | €7,313 | €6,038 | €5,967 | ▼ 1.2% |
| Other operating charges640/8 | - | €161 | €485 | €845 | €1,225 | ▲ 44.9% |
| Gross operating margin9900 | €1,540 | €33,416 | €7,084 | €29,364 | €7,498 | ▼ 74.5% |
| Operating profit (loss)9901 | -€616 | €25,348 | -€964 | €22,480 | €306 | ▼ 98.6% |
| Financial income75/76B | €0 | €12 | €0 | €75 | €249 | ▲ 232% |
| Recurring financial income75 | €0 | €12 | €0 | €75 | €249 | ▲ 232% |
| Financial charges65/66B | €258 | €360 | €467 | €707 | €1,410 | ▲ 99.4% |
| Recurring financial charges65 | €258 | €360 | €467 | €707 | €1,410 | ▲ 99.4% |
| Profit (loss) for the period before taxes9903 | -€874 | €24,999 | -€1,431 | €21,848 | -€855 | ▼ 104% |
| Income taxes67/77 | €100 | €5,805 | €793 | €5,916 | €4,136 | ▼ 30.1% |
| Profit (loss) for the period9904 | -€974 | €19,194 | -€2,224 | €15,933 | -€4,991 | ▼ 131% |
| Profit (loss) for the period to be appropriated9905 | -€974 | €19,194 | -€2,224 | €15,933 | -€4,991 | ▼ 131% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €42,279 | €45,877 | €40,271 | €43,949 | €163,299 | ▲ 272% |
| Fixed assets21/28 | €26,063 | €19,804 | €17,378 | €11,340 | €122,380 | ▲ 979% |
| Tangible fixed assets22/27 | €16,928 | €10,669 | €8,243 | €2,205 | €113,110 | ▲ 5,030% |
| Plant, machinery and equipment23 | - | - | €3,834 | €2,205 | €576 | ▼ 73.9% |
| Furniture and vehicles24 | €16,928 | €10,669 | €4,409 | €0 | €949 | - |
| Leasing and similar rights25 | - | - | - | - | €111,585 | - |
| Financial fixed assets28 | €9,135 | €9,135 | €9,135 | €9,135 | €9,270 | ▲ 1.5% |
| Current assets29/58 | €16,217 | €26,074 | €22,893 | €32,609 | €40,919 | ▲ 25.5% |
| Amounts receivable within one year40/41 | €16,125 | €22,357 | €20,311 | €21,655 | €37,329 | ▲ 72.4% |
| Trade receivables40 | €16,125 | €22,357 | €20,311 | €21,655 | €30,388 | ▲ 40.3% |
| Other amounts receivable41 | - | - | - | - | €6,941 | - |
| Cash at bank and in hand54/58 | €18 | €3,641 | €2,543 | €9,165 | €0 | ▼ 100% |
| Deferred charges and accrued income490/1 | €73 | €75 | €38 | €1,790 | €3,590 | ▲ 101% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €42,279 | €45,877 | €40,271 | €43,949 | €163,299 | ▲ 272% |
| Equity10/15 | €26 | €18,420 | €16,197 | €24,084 | €19,093 | ▼ 20.7% |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Profit (loss) carried forward14 | -€974 | €17,420 | €15,197 | €23,084 | €18,093 | ▼ 21.6% |
| Amounts payable17/49 | €42,253 | €27,457 | €24,074 | €19,866 | €144,206 | ▲ 626% |
| Amounts payable after more than one year17 | €9,000 | €9,000 | €9,000 | €9,000 | €92,635 | ▲ 929% |
| Financial debts170/4 | - | - | - | - | €83,635 | - |
| Other amounts payable178/9 | €9,000 | €9,000 | €9,000 | €9,000 | €9,000 | = |
| Amounts payable within one year42/48 | €33,253 | €17,267 | €14,484 | €10,866 | €51,571 | ▲ 375% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €23,275 | - |
| Financial debts43 | - | - | - | - | €74 | - |
| Credit institutions430/8 | - | - | - | - | €74 | - |
| Trade debts44 | €27,240 | €1,480 | €1,617 | €1,395 | €9,707 | ▲ 596% |
| Suppliers440/4 | €27,240 | €1,480 | €1,617 | €1,395 | €9,707 | ▲ 596% |
| Taxes, remuneration and social security45 | €2,745 | €13,613 | €11,826 | €9,471 | €8,515 | ▼ 10.1% |
| Taxes450/3 | €2,745 | €11,662 | €11,826 | €9,471 | €8,515 | ▼ 10.1% |
| Remuneration and social security454/9 | - | €1,951 | €0 | - | - | - |
| Other amounts payable47/48 | €3,268 | €2,174 | €1,041 | €0 | €10,000 | - |
| Accrued charges and deferred income492/3 | - | €1,190 | €590 | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€974 | €19,194 | -€2,224 | €15,933 | -€4,991 | ▼ 131% |
| + Depreciation and write-downs630 | €1,852 | €6,259 | €7,313 | €6,038 | €5,967 | ▼ 1.2% |
| Operating cash flow (approximation) | €878 | €25,454 | €5,089 | €21,971 | €976 | ▼ 95.6% |
| Investment in fixed assets (approximation) | - | €0 | -€4,887 | €0 | -€117,007 | - |
| Change in cash | - | €3,623 | -€1,098 | €6,622 | -€9,165 | ▼ 238% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€4,991
Net result drops to -€4,991, the lowest in the series.
11-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €15,933
Net result €15,933 after one loss-making year.
20-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €19,194
Net result €19,194 after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.51
Current ratio from 0.49 to 1.51; short-term debt falls from €33,253 to €17,267.
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Vilvoorde · 1 establishment unit since 2021
Ground area
3,797 m²
Building footprint
54 m²
Parcel 23088A0071/00K000, Flanders. Linked by address, not a title deed.
1 establishment unit
ZAYANE
since 20212.320.987.789
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23088A0071/00K000 | Flanders | 3,796 m² | 1 · 54 m² | - |
Linked by address, not proof of ownership
Good to know
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
ACHOUR TRANSPORT
BE 0789.477.654
Antwerpen · Eq €19,075
KHOULS EXPRESS
BE 0771.725.961
Brussel · Eq €19,060
PEHLIVAN GROUP
BE 1006.938.786
Zaventem · Eq €19,048
SEV-GROUP
BE 1014.614.555
Vilvoorde · Eq €19,044
DVEX
BE 0728.548.192
Elsene · Eq €19,029
Of 12,582 companies in sector 49410 we hold annual accounts for 8,205. 4,903 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-07-2021
Fiscal year end31-12
Activities, NACEBEL 2025
49410Freight transport by road
E-invoicing
Reachable via Peppol
Peppol ID
0208:0771281246
Also
9925:BE0771281246
Registered
27-05-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.