ZBAYOO
ActiveZBAYOO has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €-15k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 35% of 955 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▼-14
Solvency60▼-11
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.83 against 0.71 in 2024; short-term debt: 65.3% of total assets), and 65.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
34.7%
Return on assets
-23.8%
Age of the figures
12 mo
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 18
Relative position
BE, all sectors
reference
Sector 18
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-15k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 09-03-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
33 d early
2023
28 d early
2022
27 d early
2021
31 d late
2020
on the day
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k▼ 40.7%
2024 · €37k
2018: €33k
2019: €33k
2020: €32k
2021: €37k
2022: €20k
2023: €40k
2024: €37k
2018 → 2025
Total assets
€63k▼ 21.7%
2024 · €80k
2018: €35k
2019: €35k
2020: €130k
2021: €163k
2022: €155k
2023: €104k
2024: €80k
2018 → 2025
Net result
€-15k▼ 370%
2024 · €-3k
2018: €-66
2019: €-348
2020: €-620
2021: €5k
2022: €-16k
2023: €20k
2024: €-3k
2018 → 2025
Working capital
€-7k▲ 46.5%
2024 · €-13k
2018: €34k
2019: €34k
2020: €-88k
2021: €-67k
2022: €-66k
2023: €-32k
2024: €-13k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€37k-€20k▼ 44.6%€40k▲ 95.8%€37k▼ 8.0%€22k▼ 40.7%
Operating result€5k-€-16k€25k€-2k€-14k▼ 514%
Net result€5k-€-16k€20k€-3k€-15k▼ 370%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €14k in 2025 against €2k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €63k
Fixed assets
€29k▼ 42.2%
Current assets
€34k▲ 11.5%
Equity and liabilities €63k
Equity
€22k▼ 40.7%
Debt
€41k▼ 5.6%
The debt ratio rises from 54.2% to 65.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€7k▼
2024 · €20k
Cash flow
€6k▼
2024 · €19k
Solvency
34.7%▼
2024 · 45.8%
Current ratio
0.83▲
2024 · 0.71
Quick ratio
0.68▲
2024 · 0.54
Debt / equity
1.88▲
2024 · 1.18
ROE
-68.6%▼
2024 · -8.6%
ROA
-23.8%▼
2024 · -4.0%
Interest coverage
12.31▼
2024 · 23.59
Debt
€41k▼
2024 · €44k
Debt ≤ 1 year
€41k▼
2024 · €44k
Staff costs
€14k▲
2024 · €210
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€80k€63k▼
Fixed assets21/28€50k€29k▼
Intangible fixed assets21€47k€28k▼
Tangible fixed assets22/27€3k€427▼
Furniture and vehicles24€3k€427▼
Current assets29/58€31k€34k▲
Stocks and contracts in progress3€7k€6k▼
Stocks30/36€7k€6k▼
Amounts receivable within one year40/41€24k€28k▲
Trade receivables40€17k€13k▼
Other amounts receivable41€7k€15k▲
Equity and liabilities
Total equity and liabilities10/49€80k€63k▼
Equity10/15€37k€22k▼
Contributions10/11€12k€12k=
Reserves13€21k€21k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€20k€20k=
Profit (loss) carried forward14€3k€-12k▼
Amounts payable17/49€44k€41k▼
Amounts payable within one year42/48€44k€41k▼
Financial debts43€9k€3k▼
Credit institutions430/8€9k€3k▼
Taxes, remuneration and social security45€1k€3k▲
Taxes450/3€1k€1k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€34k€35k▲
Income statement
Code20242025
Remuneration, social security and pensions62€210€14k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€21k▼
Other operating charges640/8€948€488▼
Gross operating margin9900€21k€21k▲
Operating profit (loss)9901€-2k€-14k▼
Financial income75/76B€21€24▲
Recurring financial income75€21€24▲
Financial charges65/66B€850€560▼
Recurring financial charges65€850€560▼
Profit (loss) for the period before taxes9903€-3k€-15k▼
Income taxes67/77€1-
Profit (loss) for the period9904€-3k€-15k▼
Profit (loss) for the period to be appropriated9905€-3k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-12k▼
Profit (loss) brought forward from the previous period14P€7k€3k▼
The notes to these accounts (8 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
09-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
03-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €-16k ▼445%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-09
Financial
Back to profitnet €5k
Net result €5k after 3 loss-making years.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
08-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 8 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, Wemmel · 1 establishment unit since 2011
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.
Windberg 249a1780 WemmelGround area
988 m²
Building footprint
359 m²
Volume, LiDAR
2,684 m³
Parcel 22005A0484/00B000, Flanders · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Windberg 249a, 1780 Wemmel
since 20112.199.204.982
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22005A0484/00B000 | Flanders | 987 m² | 1 · 359 m² | 10.2 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.
Similar companies · same sector, comparable size
JJ&L
BE 0543.806.447
Ganshoren · Eq €21k
HUIS AAN HUIS
BE 0553.655.907
Brasschaat · Eq €21k
VERCNOCKE
BE 0476.454.892
Oostende · Eq €23k
Bode van Schoten
BE 0426.062.503
Schoten · Eq €21k
PlusPrint
BE 0897.672.147
Evergem · Eq €23k
Of 1,600 companies in sector 18120 we hold annual accounts for 808. 462 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-2011
Fiscal year end30-09
Activities, NACEBEL
18120Other printing
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
95100Repair and maintenance of computers and communication equipment
95110Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.