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ZEDD architecture

Active
Private limited companyfounded 199135 yrs activeRue Ariste-Caussin 65, 5500 Dinant, BelgiumKBO/BCE: BE 0444.731.043
Summary

ZEDD architecture has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€6,716) and a net result of -€6,878. Equity is shrinking by ~40.9% per year across the filed fiscal years. Its solvency ranks better than 6% of 11099 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).

Risk analysisWatch ReportCompare
ZEDD architectureActiveChecked score 53/100
Risk analysis ReportCompare

Overview

Activity
Activities of building architects
NACE 71111Photography, excluding press photography NACE 74201
#6 oldest company in Dinant, Professional and technical services sector1 site
Size
€127,499turnover 2025
Equity
-€6,716
Loss
-€6,878
Financial health
53 Fair Checked score 2025
Bankruptcy chance 12 m
0.5%
Structure
Accounts 71 d early0 of 5 deeds read
Why 53Capped at 59: negative equity- Negative equity -€6,716- Loss of €6,878, the second in a row (FY 2025)+ Size: turnover €127,499, total assets €20,454+ Sector Architectural and engineering activities; technical testing and analysis (NACE 71)Show the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 16% of its sector peers (NACE 71, micro)
Performance against the sector, not lower risk
Negative equity caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 0-26
equity -32.8% of total assets
Liquidity 19-3
short-term debt 132.8% · cash 15.1%
Profitability 43-6
return on assets -33.6%
Bankruptcy probability, 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (14,650 companies)
Last 24 months 11-2024: 0.2%lowest value 12-2024: 0.3%▲ +106% vs 11-2024 01-2025: 0.3%● 0.0% vs 12-2024 02-2025: 0.3%● 0.0% vs 01-2025 03-2025: 0.3%● 0.0% vs 02-2025 04-2025: 0.3%● 0.0% vs 03-2025 05-2025: 0.3%● 0.0% vs 04-2025 06-2025: 0.3%● 0.0% vs 05-2025 07-2025: 0.3%▲ +2.6% vs 06-2025 08-2025: 0.3%▲ +1.2% vs 07-2025 09-2025: 0.3%▼ -7.7% vs 08-2025 10-2025: 0.3%▲ +10.3% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.4%▲ +23.0% vs 11-2025 01-2026: 0.4%● 0.0% vs 12-2025 02-2026: 0.4%● 0.0% vs 01-2026 03-2026: 0.4%● 0.0% vs 02-2026 04-2026: 0.4%● 0.0% vs 03-2026 05-2026: 0.4%● 0.0% vs 04-2026 06-2026: 0.4%● 0.0% vs 05-2026 07-2026: 0.4%▲ +2.5% vs 06-2026 08-2026: 0.4%▲ +1.2% vs 07-2026 09-2026: 0.4%▲ +3.8% vs 08-2026 10-2026: 0.5%▲ +9.8% vs 09-2026highest value
  • Size: turnover €127,499, total assets €20,454 lowers the probability for this profile
  • Negative equity -€6,716 raises the probability
  • Loss of €6,878, the second in a row (FY 2025) raises the probability
  • Sector Architectural and engineering activities; technical testing and analysis (NACE 71) lowers the probability
No credit on open account
Liquidity short (current ratio 0.69 against 0.8 in 2024; short-term debt: 132.8% and cash: 15.1% of total assets), and equity is negative.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 71, micro). Better than this share of them on solvency 3%, liquidity 8%, profitability 19%, growth against the median 34%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: turnover €127,499, total assets €20,454
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Negative equity -€6,716
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Loss of €6,878, the second in a row (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Sector Architectural and engineering activities; technical testing and analysis (NACE 71)
In the bankruptcy model this factor lowers the probability.
KBO
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
19202122232425
2019 to 2025 · latest year -€6,716
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 21-11-2025, 71 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
71 d early
2024
77 d early
2023
79 d early
2022
79 d early
2021
82 d early
2020
32 d early
2019
67 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 70 days before the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 34% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 13 November (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-06-2026 close03-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Risk: Negative equityfiscal year 2025: debts exceed assets -€6,716 View
  • Risk: 6 loss-making years in a rowloss fiscal year 2025 -€6,878 View
  • Caution: Among the weakest 6% on solvencysector median 54.3% · 11,099 companies -32.8% View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View

By topic

Financials

Fiscal year
2025
Turnover
€127,499
Loss
-€6,878
Solvency
-32.8%
Turnover▲ 12.5%
Net result
20192025
Go to Financials

Timeline

Events
11
Since
2016
Next accounts
by 31-01-2027
  1. 21-11-2025Annual accounts filed
  2. 15-11-2024Annual accounts filed
  3. 13-11-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Activities of building architectsNACE 71111
Founded
24-07-1991
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

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