Summary
Zeanco is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €1.1m and a net result of €88,347. Equity has been stable since 2019 (±0.9% per year). Its solvency ranks better than 88% of 321 sector peers (NACE 64, financial year 2026). The company has been active since 2013 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 10-07-2013 Normal situation
- Registered office
- 13 active companies are registered at this address Source: KBO register, as of 4 November 2026.
- Activity
- Activities of holding companies NACE 64210and 3 others
- Establishment unit
- 2.220.672.864 2275 Lille, since 17-07-2013
- Financial year end
- 31 March
- Peppol
- Reachable since 24-09-2025
Board and ownership
Board
- Van Laer RudiDirector · since 01-01-2020
- Holdings
- Shares in 1 company Codivex
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts to 31-03-2026
- Profit
- €88,347
- ▲ 37.6%
- Equity
- €1.1m
- ▲ 3.7%
- Total assets
- €1.1m
- ▲ 0.9%
Signalslowers riskGrowing equityneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Two signals.
lowers riskneutral
lowers risk · Growing equity
Reported equity is higher than in 2024 and did not fall compared with 2025. These amounts do not establish the cause of the change.
NBB · annual accounts 2026Equity per financial year
1920212223242526
2019 to 2026 · latest year €1.1m
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 18-09-2026, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
43 days early
2025
35 days early
2024
43 days early
2023
34 days early
2022
45 days early
2021
44 days early
2020
15 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 37 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. The company usually files around 18 September (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
04-11-2026 today31-03-2027 year end31-10-2027 deadline
Financials
Financials · financial year 2026, abbreviated format
Annual accounts 2026 filed on 18-09-2026 at the NBB all 12 filings
Equity
€1.1m▲ 3.7%
2025 · €1.0m
Net result
€88,347▲ 37.6%
2025 · €64,211
Total assets
€1.1m▲ 0.9%
2025 · €1.1m
Solvency
93.7%▲ 2.5pp
2025 · 91.2%
In the rankings
#9 company by equity in Lille, Finance and insurance sector
Multi-year overview
2019 to 2026, 8 financial yearsOperating result
€1,210
▼ 93.6%
2026
20192026
Net result
€88,347
▲ 37.6%
2026
20192026
Equity
€1.1m
▲ 3.7%
2026
20192026
Total assets
€1.1m
▲ 0.9%
2026
20192026
Debt
€72,520
▼ 27.9%
2026
20192026
Working capital
€13,808
2026
20192026
Solvency
93.7%
▲ 2.5pp
2026
20192026
Current ratio
1.33
▲ 0.94
2026
20192026
Return on assets (ROA)
7.7%
▲ 2.1pp
2026
20192026
Staff (FTE)
no figure
2026
20192026
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20192020202120222023202420252026
Operating result€0.04m-€0.03m▼ 26.2%€0.03m▲ 5.2%€0.004m▼ 87.1%€0.006m▲ 32.1%-€0.003m€0.02m€0.001m▼ 93.6%
Net result€0.03m-€0.02m▼ 30.9%€0.03mwithin the sector's middle half▲ 9.6%€0.06mwithin the sector's middle half▲ 147%€0.03mwithin the sector's middle half▼ 55.4%€0.02mwithin the sector's middle half▼ 42.2%€0.06mwithin the sector's middle half▲ 300%€0.09m▲ 37.6%
Equity€1.0m-€1.0m▲ 2.3%€1.0mwithin the sector's middle half▼ 4.5%€1.0mwithin the sector's middle half▲ 3.8%€1.0mwithin the sector's middle half▲ 0.8%€1.0mwithin the sector's middle half▼ 4.0%€1.0mwithin the sector's middle half▲ 6.6%€1.1m▲ 3.7%
Total assets€1.1m-€1.1m▼ 4.0%€1.2mwithin the sector's middle half▲ 6.0%€1.1mwithin the sector's middle half▼ 2.9%€1.1mwithin the sector's middle half▼ 2.1%€1.1mwithin the sector's middle half▼ 3.5%€1.1mwithin the sector's middle half▲ 7.4%€1.1m▲ 0.9%
Debt€0.1m-€0.08m▼ 47.5%€0.2m▲ 147%€0.1m▼ 37.6%€0.08m▼ 27.3%€0.09m▲ 2.6%€0.1m▲ 16.1%€0.07m▼ 27.9%
Working capital-€0.009m-€0.02m-€0.07mwithin the sector's middle half-€0.03mwithin the sector's middle half▲ 49.6%-€0.03mwithin the sector's middle half▲ 24.4%-€0.06mwithin the sector's middle half▼ 126%-€0.03mwithin the sector's middle half▲ 52.8%€0.01m
Solvency87.4%-93.1%▲ 5.7pp83.9%above the sector's middle half▼ 9.2pp89.7%above the sector's middle half▲ 5.8pp92.3%above the sector's middle half▲ 2.7pp91.8%above the sector's middle half▼ 0.5pp91.2%above the sector's middle half▼ 0.7pp93.7%▲ 2.5pp
Current ratio0.94-1.23▲ 0.290.46within the sector's middle half▼ 0.780.56within the sector's middle half▲ 0.100.62within the sector's middle half▲ 0.060.31below the sector's middle half▼ 0.310.39within the sector's middle half▲ 0.081.33▲ 0.94
Return on assets (ROA)2.9%-2.1%▼ 0.8pp2.2%within the sector's middle half▲ 0.1pp5.5%within the sector's middle half▲ 3.4pp2.5%within the sector's middle half▼ 3.0pp1.5%within the sector's middle half▼ 1.0pp5.6%within the sector's middle half▲ 4.1pp7.7%▲ 2.1pp
Staff (FTE)1-0.1▼ 90.0%
above
within
below
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2026 is 94% lower than in 2025.
Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €1.1m
Fixed assets
€1.1m ▼ 2.4%
Current assets
€55,524 ▲ 211%
Equity and liabilities €1.1m
Equity
€1.1m ▲ 3.7%
Debt
€72,520 ▼ 27.9%
Debt's share of the balance-sheet total falls from 8.8% to 6.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
8.2%▲
2025 · 6.2%
Debt ≤ 1 year
€41,716▼
2025 · €46,098
Debt > 1 year
€30,804▼
2025 · €54,505
Income taxes
€9,795▼
2025 · €10,882
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 31-03-2022 | 31-03-2023 | 31-03-2024 | 31-03-2025 | 31-03-2026 |
|---|---|---|---|---|---|
| Tangible fixed assets | €3,306 | - | - | €245,897 | - |
| Depreciation and write-downs of the year | €22,360 | €22,460 | €22,460 | €8,828 | €27,416 |
Source: notes to the 2022 to 2026 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,309 | €3,131 | €9,341 | €22,360 | €22,460 | €22,460 | €8,828 | €27,416 | ▲ 211% |
| Other operating charges640/8 | - | - | - | €6,145 | €4,927 | €4,979 | €6,760 | €1,343 | ▼ 80.1% |
| Gross operating margin9900 | €121,632 | €45,327 | €46,293 | €32,919 | €33,217 | €24,124 | €34,358 | €29,970 | ▼ 12.8% |
| Operating profit (loss)9901 | €44,032 | €32,503 | €34,206 | €4,414 | €5,830 | -€3,314 | €18,770 | €1,210 | ▼ 93.6% |
| Financial income75/76B | - | - | - | €59,700 | €24,875 | €20,281 | €57,710 | €99,500 | ▲ 72.4% |
| Recurring financial income75 | €0 | - | €297 | €59,700 | €24,875 | €20,281 | €57,710 | €99,500 | ▲ 72.4% |
| Financial charges65/66B | - | - | - | €1,423 | €908 | €577 | €1,386 | €2,568 | ▲ 85.2% |
| Recurring financial charges65 | €2,388 | €1,336 | €685 | €1,423 | €908 | €577 | €1,386 | €2,568 | ▲ 85.2% |
| Profit (loss) for the period before taxes9903 | €41,643 | €31,167 | €33,817 | €62,691 | €29,797 | €16,391 | €75,093 | €98,142 | ▲ 30.7% |
| Income taxes67/77 | €8,458 | €8,220 | €8,664 | €556 | €2,064 | €357 | €10,882 | €9,795 | ▼ 10.0% |
| Profit (loss) for the period9904 | €33,186 | €22,947 | €25,153 | €62,135 | €27,733 | €16,033 | €64,211 | €88,347 | ▲ 37.6% |
| Profit (loss) for the period to be appropriated9905 | €33,186 | €22,947 | €25,153 | €62,135 | €27,733 | €16,033 | €64,211 | €88,347 | ▲ 37.6% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €1.1m | €1.1m | €1.2m | €1.1m | €1.1m | €1.1m | €1.1m | €1.1m | ▲ 0.9% |
| Fixed assets21/28 | €1.0m | €1.0m | €1.1m | €1.1m | €1.1m | €1.0m | €1.1m | €1.1m | ▼ 2.4% |
| Tangible fixed assets22/27 | €0.006m | €0.003m | €0.1m | €0.08m | €0.06m | €0.04m | €0.1m | €0.1m | ▼ 21.8% |
| Plant, machinery and equipment23 | - | - | - | €0.001m | €0.001m | €396 | €169 | - | - |
| Furniture and vehicles24 | - | - | - | €0.003m | €0.002m | €0.001m | €0.1m | €0.1m | ▼ 21.7% |
| Leasing and similar rights25 | - | - | - | €0.08m | €0.06m | €0.04m | - | - | - |
| Financial fixed assets28 | €1.0m | €1.0m | €1.0m | €1.0m | €1.0m | €1.0m | €1.0m | €1.0m | = |
| Current assets29/58 | €0.1m | €0.09m | €0.06m | €0.04m | €0.04m | €0.03m | €0.02m | €0.06m | ▲ 211% |
| Amounts receivable within one year40/41 | €0.1m | €0.07m | €0.02m | €0.03m | €0.01m | €0.008m | €0.01m | - | - |
| Trade receivables40 | - | - | - | €0.03m | €0.01m | €0.008m | €0.01m | - | - |
| Other amounts receivable41 | - | - | - | - | €13 | €3 | - | - | - |
| Cash at bank and in hand54/58 | €0.002m | €0.02m | €0.03m | €0.01m | €0.03m | €0.02m | €0.007m | €0.05m | ▲ 701% |
| Deferred charges and accrued income490/1 | - | - | - | €0.004m | €0.003m | €0.003m | €0.001m | €0.002m | ▲ 7.9% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €1.1m | €1.1m | €1.2m | €1.1m | €1.1m | €1.1m | €1.1m | €1.1m | ▲ 0.9% |
| Equity10/15 | €1.0m | €1.0m | €1.0m | €1.0m | €1.0m | €1.0m | €1.0m | €1.1m | ▲ 3.7% |
| Contributions10/11 | €0.5m | - | - | €0.5m | €0.5m | €0.6m | €0.6m | €0.6m | = |
| Reserves13 | €0.5m | €0.5m | €0.5m | €0.5m | €0.5m | €0.4m | €0.5m | €0.5m | ▲ 8.2% |
| Non-distributable reserves130/1 | - | - | - | €0.05m | €0.05m | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €0.05m | €0.05m | - | - | - | - |
| Distributable reserves133 | - | - | - | €0.4m | €0.4m | €0.4m | €0.5m | €0.5m | ▲ 8.2% |
| Profit (loss) carried forward14 | - | €0.02m | - | €0.04m | €0.008m | - | - | - | - |
| Amounts payable17/49 | €0.1m | €0.08m | €0.2m | €0.1m | €0.08m | €0.09m | €0.1m | €0.07m | ▼ 27.9% |
| Amounts payable after more than one year17 | - | - | €0.06m | €0.04m | €0.01m | - | €0.05m | €0.03m | ▼ 43.5% |
| Financial debts170/4 | - | - | - | €0.04m | €0.01m | - | €0.05m | €0.03m | ▼ 43.5% |
| Amounts payable within one year42/48 | €0.1m | €0.08m | €0.1m | €0.08m | €0.07m | €0.09m | €0.05m | €0.04m | ▼ 9.5% |
| Current portion of amounts payable after more than one year42 | - | - | - | €0.02m | €0.02m | €0.01m | €0.02m | €0.02m | ▲ 3.5% |
| Trade debts44 | €0.03m | €0.02m | €0.02m | €0.03m | €0.01m | €0.008m | €0.009m | €0.002m | ▼ 75.0% |
| Suppliers440/4 | - | - | - | €0.03m | €0.01m | €0.008m | €0.009m | €0.002m | ▼ 75.0% |
| Taxes, remuneration and social security45 | - | - | - | €0.007m | €0.02m | €0.006m | €0.01m | €0.02m | ▲ 10.2% |
| Taxes450/3 | - | - | - | €0.007m | €0.02m | €0.006m | €0.01m | €0.02m | ▲ 10.2% |
| Other amounts payable47/48 | - | - | - | €0.03m | €0.02m | €0.06m | €281 | - | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €33,186 | €22,947 | €25,153 | €62,135 | €27,733 | €16,033 | €64,211 | €88,347 | ▲ 37.6% |
| + Depreciation and write-downs630 | €3,309 | €3,131 | €9,341 | €22,360 | €22,460 | €22,460 | €8,828 | €27,416 | ▲ 211% |
| Operating cash flow (approximation) | €36,495 | €26,078 | €34,493 | €84,495 | €50,193 | €38,493 | €73,039 | €115,764 | ▲ 58.5% |
| Investment in fixed assets (approximation) | - | €0 | -€108,992 | -€3,306 | €350 | €0 | -€95,997 | €0 | - |
| Change in cash | - | €21,368 | €5,175 | -€14,674 | €15,033 | -€12,453 | -€9,281 | €47,202 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 12 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-03-2026 | abbreviated format | 18-09-2026 | 2026-00515977 | |
| 31-03-2025 | abbreviated format | 26-09-2025 | 2025-00504757 | |
| 31-03-2024 | abbreviated format | 18-09-2024 | 2024-00463762 | |
| 31-03-2023 | abbreviated format | 27-09-2023 | 2023-00455458 | |
| 31-03-2022 | abbreviated format | 16-09-2022 | 2022-20430058 | |
| 31-03-2021 | abbreviated format | 17-09-2021 | 2021-67400186 | |
| 31-03-2020 | abbreviated format | 16-10-2020 | 2020-61600098 | |
| 31-03-2019 | abbreviated format | 01-10-2019 | 2019-67100079 | |
| 31-03-2018 | abbreviated format | 11-09-2018 | 2018-62500018 | |
| 31-03-2017 | abbreviated format | 05-09-2017 | 2017-58800096 |
Board & ownership
Directors
Directors
1 director
Van Laer Rudi
Current
Owners and capital
Capital transactions
Capital over time
- 03-11-2023 Converted to unavailable equity
Articles of association
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Kandidaat-overdrager en verzettende aandeelhouders ieder voor helft, meerdere aandeelhouders”
Articles of association, deed of 03-11-2023 (in Dutch)
Network & group
Holdings and subsidiaries
1 holdingHoldings 1
- CodivexsubsidiarySourceown accounts 31-03-2026Equity €504,105 Profit of €54,034 in 2025 (profit of €54,585 in 2024) Checked score 9599.5%
Companies at the same address
12 other companies- DV Interieur Establishment · since 2025 0732622687
- LD Atelier Registered office · since 2022 0779775773
- SAFETY CONSTRUCT DAKBEVEILIGING Registered office · since 2020 0759666089
- BREEN BELGIUM Registered office · since 2009 0428173638
- D.K. PROJECTS Establishment · since 2008 0863414519
- VERENIGING VAN MEDE-EIGENAARS BEDRIJVENPARK DE HOEF TE WECHELDERZANDE-LILLE VLIMMERSEBAAN 136 Registered office · since 2008 0895990879
- Codivex Registered office · since 2007 0891490178
- Parket Swaegers Registered office · since 2006 0883433042
- DAKWERKEN HERREMANS KID Registered office · since 2004 0862555672
- PIAZZA Registered office · since 2001 0473532521
Connections & network
1 current directorThe network starts from the directors of Zeanco. Every other company they run is a node.
This company
Company
Director
Shareholding
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Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2027 accounts:
2026
18-09
abbreviated format · 43 days before the deadline
31-03
Financial
Highest result from 2019 to 2026net €88,347 ▲37.6%
The net result of €88,347 is the highest of those years.
31-03
Financial
Liquidity more than triplescurrent ratio 1.33
The current ratio rises from 0.39 to 1.33. Short-term debt falls from €46,098 to €41,716.
2025
13-10
Gazette deed
Registered office moved from Beerse to LilleNew seat: Vlimmersebaan 136 unit 2, 2275 LILLE · Previous seat: Scheperstraat 42, 2340 BEERSE · Director in office3 points ▸
Gazette deed
Registered office moved from Beerse to Lille
New seat: Vlimmersebaan 136 unit 2, 2275 LILLE · Previous seat: Scheperstraat 42, 2340 BEERSE · Director in office3 points ▸
- General meeting, 01-10-2025
- Registered-office move, Vlimmersebaan 136 unit 2, 2275 LILLE
- Director in office, Van Laer Rudi (director)
26-09
abbreviated format · 35 days before the deadline
31-03
Financial
Equity above €1mequity €1.0m ▲6.6%
With a profit in every financial year since 2019, equity grows to €1.0m.
2024
18-09
abbreviated format · 43 days before the deadline
31-03
Financial
Weakest financial yearnet €16,033 ▼42.2%
The net result drops to €16,033, the lowest from 2019 to 2026. It recovers the following year.
2023
03-11
Gazette deed
Purpose · Amendment of the articles · Legal-form change · Resignations & appointmentsCapital conversion · Director in office · Purpose change6 points ▸
Gazette deed
Purpose · Amendment of the articles · Legal-form change · Resignations & appointments
Capital conversion · Director in office · Purpose change6 points ▸
- General meeting, 23-10-2023
- Other provision, “enig aandeelhouderschap en uitoefening bevoegdheden algemene vergadering, artikel 2:8§4 Wetboek van vennootschappen en verenigingen” (deed in Dutch)
- Capital conversion, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Director in office, Van Laer Rudi Elisabeth Frans (director)
- Purpose change
- Amendment of the articles
27-09
abbreviated format · 34 days before the deadline
2022
16-09
abbreviated format · 45 days before the deadline
31-03
Financial
Equity above €1mequity €1.0m ▲3.8%
With a profit in every financial year since 2019, equity grows to €1.0m.
Show earlier events
2021
17-09
abbreviated format · 44 days before the deadline
2020
16-10
abbreviated format · 15 days before the deadline
31-03
Financial
Equity above €1mequity €1.0m ▲2.3%
With a profit in every financial year since 2019, equity grows to €1.0m.
2019
01-10
abbreviated format · 30 days before the deadline
2018
11-09
abbreviated format · 50 days before the deadline
2017
05-09
abbreviated format · 56 days before the deadline
2013
26-07
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
Zeanco in Dutch
Enterprise number
0536.740.293
Legal form
Private limited company
Status
Active, normale toestand
Founded
10-07-2013
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 03-11-2023 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaamse Gewest, bestuursorgaan”
deed of 03-11-2023 (in Dutch)Registered office and establishments
Registered office
Vlimmersebaan 136, 2275 Lille, Belgium
1 former office
- Scheperstraat 42, 2340 Beerse until 01-10-2025 · act of 13-10-2025
Establishment unit
Zeanco, Vlimmersebaan 136, 2275 Lille since 17-07-2013 · unit number 2.220.672.864
Activities
NACEBEL 202564210
Activities of holding companies main activity
46646
Wholesale trade
46649
Wholesale of other machinery and equipment
46851
Wholesale of industrial chemicals
Codes under NACEBEL 2008
64200
Holdings main activity
46696
Wholesale trade
46699
Wholesale trade
46751
Wholesale trade
Invoicing and payment
VAT number
BE 0536.740.293
Financial year and general meeting
Accounts at the NBBFinancial year end
31-03
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
1 September at 18:00
deed of 03-11-2023 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
1.4 ha
Building footprint
7,609 m²
Building volume
51,524 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 13047A0198/00Y002 | Flanders | 1.4 ha | 1 · 7,609 m² | 9.1 m · 2 |