ZE AGENCY
ActiveZE AGENCY has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €115k and a net result of €-27k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 49% of 19344 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0=
Solvency52▼-7
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.25 against 1.26 in 2023), and 70.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
29.4%
Return on assets
-6.8%
Age of the figures
20 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
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year -€27k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-10-2025, 84 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
84 d late
2023
9 d early
2022
4 d early
2021
31 d late
2020
9 d early
2019
44 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€115k▼ 23.7%
2023 · €151k
2018: €119k
2019: €159k
2020: €207k
2021: €225k
2022: €214k
2023: €151k
2018 → 2024
Total assets
€393k▼ 13.1%
2023 · €452k
2018: €409k
2019: €428k
2020: €419k
2021: €491k
2022: €513k
2023: €452k
2018 → 2024
Net result
€-27k▼ 249%
2023 · €-8k
2018: €49k
2019: €66k
2020: €26k
2021: €27k
2022: €15k
2023: €-8k
2018 → 2024
Working capital
€69k▼ 8.9%
2023 · €76k
2018: €103k
2019: €144k
2020: €139k
2021: €163k
2022: €145k
2023: €76k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€207k-€225k▲ 9.0%€214k▼ 5.2%€151k▼ 29.2%€115k▼ 23.7%
Operating result€22k-€48k▲ 121%€10k▼ 79.1%€-11k€-35k▼ 216%
Net result€26k-€27k▲ 5.6%€15k▼ 43.4%€-8k€-27k▼ 249%
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 €35k in 2024 against €11k in 2023; the loss grows and 2024 is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €393k
Fixed assets
€47k▼ 45.4%
Current assets
€346k▼ 5.6%
Equity and liabilities €393k
Equity
€115k▼ 23.7%
Provisions
€0▼ 100%
Debt
€278k▼ 6.9%
The debt ratio rises from 65.9% to 70.6%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€2k▼
2023 · €29k
Cash flow
€9k▼
2023 · €32k
Solvency
29.4%▼
2023 · 33.4%
Current ratio
1.25▼
2023 · 1.26
Quick ratio
1.25▼
2023 · 1.26
Debt / equity
2.40▲
2023 · 1.97
ROE
-23.2%▼
2023 · -5.1%
ROA
-6.8%▼
2023 · -1.7%
Interest coverage
0.41▼
2023 · 9.70
Debt
€278k▼
2023 · €298k
Debt ≤ 1 year
€278k▼
2023 · €291k
Income taxes
€239▲
2023 · €132
Staff costs
€74k▲
2023 · €68k
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€452k€393k▼
Fixed assets21/28€86k€47k▼
Intangible fixed assets21€64k€31k▼
Tangible fixed assets22/27€12k€6k▼
Plant, machinery and equipment23€1k€551▼
Furniture and vehicles24€10k€5k▼
Financial fixed assets28€10k€10k=
Current assets29/58€367k€346k▼
Amounts receivable within one year40/41€27k€5k▼
Trade receivables40€27k€3k▼
Other amounts receivable41-€3k
Cash at bank and in hand54/58€339k€341k▲
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€452k€393k▼
Equity10/15€151k€115k▼
Contributions10/11€25k€25k=
Reserves13€125k€125k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€122k€122k=
Profit (loss) carried forward14€-8k€-34k▼
Investment grants15€9k-
Provisions and deferred taxes16€3k-
Deferred taxes168€3k-
Amounts payable17/49€298k€278k▼
Amounts payable after more than one year17€6k-
Financial debts170/4€6k-
Amounts payable within one year42/48€291k€278k▼
Current portion of amounts payable after more than one year42€25k€3k▼
Trade debts44€182k€206k▲
Suppliers440/4€182k€206k▲
Taxes, remuneration and social security45€32k€18k▼
Taxes450/3€19k€4k▼
Remuneration and social security454/9€12k€14k▲
Other amounts payable47/48€53k€50k▼
Accrued charges and deferred income492/3€504-
Income statement
Code20232024
Remuneration, social security and pensions62€68k€74k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€36k▼
Other operating charges640/8€5k€10k▲
Non-recurring operating charges66A€241€460▲
Gross operating margin9900€102k€87k▼
Operating profit (loss)9901€-11k€-35k▼
Financial income75/76B€5k€9k▲
Recurring financial income75€5k€9k▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€-9k€-30k▼
Transfer from deferred taxes780€2k€3k▲
Income taxes67/77€132€239▲
Profit (loss) for the period9904€-8k€-27k▼
Profit (loss) for the period to be appropriated9905€-8k€-27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€-34k▼
Profit (loss) brought forward from the previous period14P-€-8k
Transfer from equity791/2€43k-
Profit to be distributed694/7€43k-
Return on contributions (dividend)694€43k-
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 84 days late
2024
31-12
Financial
Weakest financial yearnet €-27k
Net result drops to €-27k, the lowest in the series.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €207k ▲30.3%
3 profitable years in a row build equity to €207k.
17-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €66k ▲36.1%
Operating result €94k, net result €66k, both a record.
31-12
Financial
Equity above €150kEq €159k ▲33.8%
2 profitable years in a row build equity to €159k.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
2016
14-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
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, Liège · 1 establishment unit since 2009
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.
Quai Marcellis 314020 LiègeGround area
2,082 m²
Building footprint
503 m²
Volume, LiDAR
12,348 m³
2 parcels, Wallonia · tallest building 37.7 m, ±12 floors. Linked by address, not a title deed.
1 establishment unit
ZE AGENCY
since 20092.176.205.391
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62803A1521/00F000 | Wallonia | 1,387 m² | 1 · 224 m² | 15.8 m · 4 fl. |
| 62817C0238/00Z002 | Wallonia | 695 m² | 1 · 279 m² | 37.7 m · 12 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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VULPES HIBERNUM
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Archiservice
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Town & City de la Bourse
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Of 9,093 companies in sector 68201 we hold annual accounts for 6,724. 4,321 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-02-2009
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
68310Real estate agency activities
68311Real estate activities
81210General cleaning of buildings
96102Launderettes and laundries for private customers
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.