ZECCTWO
ActiveZECCTWO has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €98k and a net result of €3k. Equity is growing by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 57% of 26049 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability35▼-27
Solvency65▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.13 against 1.91 in 2023; short-term debt: 16.5% and cash: 10.5% of total assets), but 59.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 · 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
40.1%
Return on assets
1.3%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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
29 d late
2023
30 d late
2022
28 d late
2021
31 d late
2020
31 d late
2019
73 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€98k▲ 3.3%
2023 · €95k
2018: €73k
2019: €67k
2020: €79k
2021: €87k
2022: €98k
2023: €95k
2018 → 2024
Total assets
€246k▼ 9.2%
2023 · €270k
2018: €111k
2019: €89k
2020: €105k
2021: €153k
2022: €464k
2023: €270k
2018 → 2024
Net result
€3k
2023 · €-3k
2018: €30k
2019: €-6k
2020: €12k
2021: €8k
2022: €11k
2023: €-3k
2018 → 2024
Working capital
€46k▲ 2.9%
2023 · €45k
2018: €64k
2019: €60k
2020: €79k
2021: €81k
2022: €45k
2023: €45k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€79k-€87k▲ 10.6%€98k▲ 12.3%€95k▼ 2.7%€98k▲ 3.3%
Operating result€15k-€12k▼ 21.3%€18k▲ 49.5%€2k▼ 90.9%€11k▲ 576%
Net result€12k-€8k▼ 29.6%€11k▲ 27.9%€-3k€3k
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 2024; 2024 is 576% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €246k
Fixed assets
€159k▼ 10.0%
Current assets
€86k▼ 7.7%
Equity and liabilities €246k
Equity
€98k▲ 3.3%
Debt
€147k▼ 16.0%
The debt ratio falls from 64.8% to 59.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13k▼
2023 · €27k
Cash flow
€6k▼
2023 · €23k
Solvency
40.1%▲
2023 · 35.2%
Current ratio
2.13▲
2023 · 1.91
Quick ratio
2.13▲
2023 · 1.91
Debt / equity
1.50▼
2023 · 1.84
ROE
3.2%▲
2023 · -2.8%
ROA
1.3%▲
2023 · -1.0%
Interest coverage
1.73▼
2023 · 5.29
Debt
€147k▼
2023 · €175k
Debt ≤ 1 year
€41k▼
2023 · €49k
Debt > 1 year
€107k▼
2023 · €126k
Income taxes
€1k
Staff costs
€52k▼
2023 · €139k
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€270k€246k▼
Fixed assets21/28€177k€159k▼
Intangible fixed assets21-€0
Tangible fixed assets22/27€176k€159k▼
Land and buildings22€149k€149k=
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€26k€9k▼
Financial fixed assets28€400€400=
Current assets29/58€94k€86k▼
Amounts receivable within one year40/41€77k€57k▼
Trade receivables40€43k€36k▼
Other amounts receivable41€34k€21k▼
Cash at bank and in hand54/58€13k€26k▲
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€270k€246k▼
Equity10/15€95k€98k▲
Contributions10/11€13k€13k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€81k€84k▲
Amounts payable17/49€175k€147k▼
Amounts payable after more than one year17€126k€107k▼
Financial debts170/4€126k€107k▼
Amounts payable within one year42/48€49k€41k▼
Current portion of amounts payable after more than one year42€19k€20k▲
Financial debts43€355-
Credit institutions430/8€355-
Trade debts44€21k€18k▼
Suppliers440/4€21k€18k▼
Advances received on contracts in progress46€450-
Taxes, remuneration and social security45€9k€3k▼
Taxes450/3€3k€1k▼
Remuneration and social security454/9€6k€1k▼
Income statement
Code20232024
Non-recurring operating income76A€414-
Remuneration, social security and pensions62€139k€52k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€2k▼
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A-€5k
Gross operating margin9900€168k€72k▼
Operating profit (loss)9901€2k€11k▲
Financial income75/76B€894€1k▲
Recurring financial income75€894€1k▲
Financial charges65/66B€5k€8k▲
Recurring financial charges65€5k€8k▲
Profit (loss) for the period before taxes9903€-3k€5k▲
Income taxes67/77-€1k
Profit (loss) for the period9904€-3k€3k▲
Profit (loss) for the period to be appropriated9905€-3k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€81k€84k▲
Profit (loss) brought forward from the previous period14P€83k€81k▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
12-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 73 days late
2019
31-12
Financial
Weakest financial yearnet €-6k ▼122%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
09-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 9 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, Enghien · 1 establishment unit since 2012
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.
Place Pierre Delannoy 507850 EnghienGround area
154 m²
Building footprint
78 m²
Volume, LiDAR
850 m³
Parcel 55010C0278/00C000, Wallonia · tallest building 12.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Zecchinon cucine Enghien
since 20122.212.920.485
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55010C0278/00C000 | Wallonia | 154 m² | 1 · 78 m² | 12.4 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via establishment units: 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
DANclassics
BE 0433.660.868
Hasselt · Eq €98k
Goûts et Couleurs
BE 0695.658.957
Brugge · Eq €98k
M/F CUISINES
BE 0835.488.219
Neupré · Eq €99k
KONTEX
BE 0436.658.762
Antwerpen · Eq €98k
SLEEPKING
BE 0848.369.819
Anderlecht · Eq €99k
Of 2,610 companies in sector 47551 we hold annual accounts for 1,718. 1,324 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-10-2012
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
47551Retail sale of household furniture
47591Retail trade
47540Retail sale of electrical household appliances
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.