ZCC
ActiveSummary
The computed 12-month bankruptcy probability of ZCC is 2.0% (moderate). The 2025 annual accounts show equity of €48,118 and a net result of €12,396. Equity is growing by ~26.9% per year across the filed fiscal years. Its solvency ranks better than 40% of 7586 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability80▼-6
Solvency60▼-28
Growth78=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity tight (current ratio 1.41 against 2.42 in 2024; short-term debt: 65% and cash: 1.8% of total assets), and 65% of the assets are financed with debt.
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Signals
Three 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 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 19-09-2025, 42 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
42 d early
2024
7 d late
2023
29 d early
2022
46 d early
2021
31 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 28 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close28-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€48,118▼ 9.2%
2024 · €52,972
Total assets
€137,489▲ 63.2%
2024 · €84,222
Net result
€12,396▲ 9.4%
2024 · €11,336
Working capital
€37,036▼ 16.4%
2024 · €44,283
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, 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€16,766-€18,578▲ 10.8%€14,532▼ 21.8%€14,460▼ 0.5%€18,358▲ 27.0%
Net result€9,984within the sector's middle half-€14,013within the sector's middle half▲ 40.4%€11,139within the sector's middle half▼ 20.5%€11,336within the sector's middle half▲ 1.8%€12,396within the sector's middle half▲ 9.4%
Equity€16,484within the sector's middle half-€30,498within the sector's middle half▲ 85.0%€41,637within the sector's middle half▲ 36.5%€52,972within the sector's middle half▲ 27.2%€48,118within the sector's middle half▼ 9.2%
Total assets€80,883within the sector's middle half-€55,603below the sector's middle half▼ 31.3%€58,916within the sector's middle half▲ 6.0%€84,222within the sector's middle half▲ 43.0%€137,489within the sector's middle half▲ 63.2%
Debt€64,399-€25,105▼ 61.0%€17,279▼ 31.2%€31,250▲ 80.9%€89,370▲ 186%
Working capital€9,373within the sector's middle half-€24,216within the sector's middle half▲ 158%€37,185within the sector's middle half▲ 53.6%€44,283within the sector's middle half▲ 19.1%€37,036within the sector's middle half▼ 16.4%
Solvency20.4%within the sector's middle half-54.8%within the sector's middle half▲ 34.5pp70.7%above the sector's middle half▲ 15.8pp62.9%within the sector's middle half▼ 7.8pp35.0%within the sector's middle half▼ 27.9pp
Current ratio1.15within the sector's middle half-1.96within the sector's middle half▲ 0.823.15above the sector's middle half▲ 1.192.42within the sector's middle half▼ 0.731.41within the sector's middle half▼ 1.00
Return on assets (ROA)12.3%within the sector's middle half-25.2%above the sector's middle half▲ 12.9pp18.9%within the sector's middle half▼ 6.3pp13.5%within the sector's middle half▼ 5.4pp9.0%within the sector's middle half▼ 4.4pp
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, 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 recovers in 2025; 2025 is 27% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €137,489
Fixed assets
€11,082 ▲ 27.5%
Current assets
€126,406 ▲ 67.4%
Equity and liabilities €137,489
Equity
€48,118 ▼ 9.2%
Debt
€89,370 ▲ 186%
Debt's share of the balance-sheet total rises from 37.1% to 65.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€23,460▲
2024 · €18,628
Cash flow
€17,498▲
2024 · €15,504
Debt to equity
1.86▲
2024 · 0.59
ROE
25.8%▲
2024 · 21.4%
Interest coverage
39.78▼
2024 · 51.79
Debt ≤ 1 year
€89,370▲
2024 · €31,250
Income taxes
€5,372▲
2024 · €3,180
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,970 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 26,970 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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,711 | €4,187 | €4,406 | €4,168 | €5,102 | ▲ 22.4% |
| Other operating charges640/8 | - | €849 | €1,107 | €576 | €2,109 | ▲ 266% |
| Gross operating margin9900 | €20,974 | €23,614 | €20,045 | €19,204 | €25,569 | ▲ 33.1% |
| Operating profit (loss)9901 | €16,766 | €18,578 | €14,532 | €14,460 | €18,358 | ▲ 27.0% |
| Financial income75/76B | - | €8 | €274 | €415 | €0 | ▼ 100.0% |
| Recurring financial income75 | €6 | €8 | €274 | €415 | €0 | ▼ 100.0% |
| Financial charges65/66B | - | €895 | €720 | €360 | €590 | ▲ 64.0% |
| Recurring financial charges65 | €1,365 | €895 | €720 | €360 | €590 | ▲ 64.0% |
| Profit (loss) for the period before taxes9903 | €15,406 | €17,691 | €14,085 | €14,515 | €17,768 | ▲ 22.4% |
| Income taxes67/77 | €5,422 | €3,677 | €2,946 | €3,180 | €5,372 | ▲ 68.9% |
| Profit (loss) for the period9904 | €9,984 | €14,013 | €11,139 | €11,336 | €12,396 | ▲ 9.4% |
| Profit (loss) for the period to be appropriated9905 | €9,984 | €14,013 | €11,139 | €11,336 | €12,396 | ▲ 9.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €80,883 | €55,603 | €58,916 | €84,222 | €137,489 | ▲ 63.2% |
| Fixed assets21/28 | €7,111 | €6,281 | €4,452 | €8,689 | €11,082 | ▲ 27.5% |
| Tangible fixed assets22/27 | €7,111 | €6,281 | €4,452 | €8,689 | €11,082 | ▲ 27.5% |
| Plant, machinery and equipment23 | - | €3,499 | €4,036 | €6,176 | €5,232 | ▼ 15.3% |
| Furniture and vehicles24 | - | €2,782 | €416 | €2,513 | €5,850 | ▲ 133% |
| Current assets29/58 | €73,772 | €49,321 | €54,464 | €75,533 | €126,406 | ▲ 67.4% |
| Amounts receivable within one year40/41 | €3,043 | €10,344 | €38,146 | €51,229 | €121,916 | ▲ 138% |
| Trade receivables40 | - | - | €21,068 | €36,904 | €101,918 | ▲ 176% |
| Other amounts receivable41 | - | €10,344 | €17,078 | €14,325 | €19,998 | ▲ 39.6% |
| Current investments50/53 | - | €1,313 | - | - | - | - |
| Cash at bank and in hand54/58 | €70,729 | €37,665 | €16,318 | €20,865 | €2,499 | ▼ 88.0% |
| Deferred charges and accrued income490/1 | - | - | - | €3,439 | €1,992 | ▼ 42.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €80,883 | €55,603 | €58,916 | €84,222 | €137,489 | ▲ 63.2% |
| Equity10/15 | €16,484 | €30,498 | €41,637 | €52,972 | €48,118 | ▼ 9.2% |
| Contributions10/11 | €6,500 | €6,500 | €6,500 | €6,500 | €6,500 | = |
| Capital10 | - | €6,500 | - | - | - | - |
| Issued capital100 | - | €6,500 | - | - | - | - |
| Profit (loss) carried forward14 | €9,984 | €23,998 | €35,137 | €46,472 | €41,618 | ▼ 10.4% |
| Amounts payable17/49 | €64,399 | €25,105 | €17,279 | €31,250 | €89,370 | ▲ 186% |
| Amounts payable within one year42/48 | €64,399 | €25,105 | €17,279 | €31,250 | €89,370 | ▲ 186% |
| Trade debts44 | €37,717 | €8,900 | €5,513 | €14,853 | €21,473 | ▲ 44.6% |
| Suppliers440/4 | - | €8,900 | €5,513 | €14,853 | €21,473 | ▲ 44.6% |
| Taxes, remuneration and social security45 | - | €14,695 | €6,641 | €16,397 | €50,647 | ▲ 209% |
| Taxes450/3 | - | €3,695 | €6,641 | €3,158 | €15,647 | ▲ 396% |
| Remuneration and social security454/9 | - | €11,000 | - | €13,239 | €35,000 | ▲ 164% |
| Other amounts payable47/48 | - | €1,510 | €5,126 | - | €17,250 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9,984 | €14,013 | €11,139 | €11,336 | €12,396 | ▲ 9.4% |
| + Depreciation and write-downs630 | €2,711 | €4,187 | €4,406 | €4,168 | €5,102 | ▲ 22.4% |
| Operating cash flow (approximation) | €12,695 | €18,200 | €15,545 | €15,504 | €17,498 | ▲ 12.9% |
| Investment in fixed assets (approximation) | - | -€3,357 | -€2,576 | -€8,406 | -€7,495 | ▲ 10.8% |
| Change in cash | - | -€33,064 | -€21,346 | €4,546 | -€18,366 | ▼ 504% |
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
2025
19-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
07-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2023
02-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
15-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Highest result since 2021net €14,013 ▲40.4%
Operating result €18,578, net result €14,013, both a record.
2021
30-09
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.
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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, Merchtem · 1 establishment unit since 2019
Ground area
222 m²
Building footprint
96 m²
Volume, LiDAR
426 m³
Parcel 23602H0271/00N000, Flanders · tallest building 9.9 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
ZCC
since 20192.296.239.131
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23602H0271/00N000 | Flanders | 222 m² | 1 · 96 m² | 9.9 m · 1 fl. |
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.
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,052. 13,058 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
Founded11-10-2019
Fiscal year end31-03
Activities, NACEBEL 2025
41001General construction of residential buildings
43211General electrical installation work
43240Other construction installation
43410Roofing work
E-invoicing
Reachable via Peppol
Peppol ID
0208:0735977996
Also
9925:BE0735977996
Registered
05-01-2026
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.