ZEHRA

Active

Private limited companyfounded 20205 yrs activeDokter Van de Perrelei 43, 2140 Antwerpen, BelgiumKBO/BCE: BE 0760.480.097

The computed 12-month bankruptcy probability of ZEHRA is 2.8% (moderate). The 2024 annual accounts show equity of €110k and a net result of €56k. Equity is growing by ~120.5% per year across the filed fiscal years. Its solvency ranks better than 55% of 2091 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

89 / 100

Excellent▲ +3 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency57▲+15

Growth78=

Stability94

Bankruptcy probability, 12 months

2.8% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €10k at 30 days acceptable

Liquidity tight (current ratio 1.03 against 1.08 in 2023), and 64.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 10

Relative position

BE, all sectors

reference

Sector 10

higher

← fewer bankruptcies more bankruptcies →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-01-2026, 179 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 4 filings

Deviation from the deadline

2025

not confirmed

2024

179 d late

2023

296 d late

2022

3 d early

2021

33 d early

← before the deadline after the deadline →

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

Financials · fiscal year 2024, micro schema

Turnover

€319k

EBIT margin

0.4%

Net result

€56k▲ 31.6%

2023 · €43k

2021: €1k 2022: €10k 2023: €43k

2021 → 2024

Working capital

€6k▼ 50.4%

2023 · €13k

2021: €-57k 2022: €-41k 2023: €13k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Turnover€319k-

Equity€1k-€11k▲ 912%€54k▲ 372%€110k▲ 104%

Operating result€1k-€11k▲ 885%€59k▲ 433%€81k▲ 36.3%

Net result€1k-€10k▲ 812%€43k▲ 313%€56k▲ 31.6%

Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has risen three years in a row; 2024 is 36% above 2023 and is the highest year so far.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €308k

34.1%

65.9%

Fixed assets €105k▲ 154%

Current assets €203k▲ 25.2%

Equity and liabilities €308k

35.8%

64.2%

Equity €110k▲ 104%

Debt €198k▲ 32.4%

The debt ratio falls from 73.4% to 64.2%: equity grows faster than debt.

Key figures and ratios

2024 value · change against 2023

EBITDA

€97k▲

2023 · €71k

Cash flow

€72k▲

2023 · €54k

Solvency

35.8%▲

2023 · 26.6%

Current ratio

1.03▼

2023 · 1.08

Quick ratio

1.02▼

2023 · 1.06

Debt / equity

1.80▼

2023 · 2.76

ROE

50.9%▼

2023 · 78.8%

ROA

18.2%▼

2023 · 20.9%

Interest coverage

47.49▼

2023 · 156.44

Debt

€198k▲

2023 · €149k

Debt ≤ 1 year

€197k▲

2023 · €149k

Debt > 1 year

€1k

Income taxes

€23k▲

2023 · €16k

Staff costs

€207k▲

2023 · €162k

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€204k€308k▲

Fixed assets21/28€41k€105k▲

Intangible fixed assets21-€24k

Tangible fixed assets22/27€41k€64k▲

Plant, machinery and equipment23€36k€58k▲

Furniture and vehicles24€2k€1k▼

Other tangible fixed assets26€4k€5k▲

Financial fixed assets28-€17k

Current assets29/58€162k€203k▲

Stocks and contracts in progress3€3k€3k▼

Stocks30/36€3k€3k▼

Amounts receivable within one year40/41€99k€128k▲

Trade receivables40€1k€3k▲

Other amounts receivable41€98k€125k▲

Cash at bank and in hand54/58€60k€72k▲

Equity and liabilities

Total equity and liabilities10/49€204k€308k▲

Equity10/15€54k€110k▲

Reserves13€43k€99k▲

Distributable reserves133€43k€99k▲

Profit (loss) carried forward14€11k€11k=

Amounts payable17/49€149k€198k▲

Amounts payable after more than one year17-€1k

Financial debts170/4-€1k

Amounts payable within one year42/48€149k€197k▲

Current portion of amounts payable after more than one year42-€15k

Trade debts44€66k€3k▼

Suppliers440/4€66k€3k▼

Taxes, remuneration and social security45€41k€166k▲

Taxes450/3€29k€62k▲

Remuneration and social security454/9€12k€105k▲

Other amounts payable47/48€42k€12k▼

Income statement Code20232024

Remuneration, social security and pensions62€162k€207k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€16k▲

Other operating charges640/8€2k€432▼

Gross operating margin9900€235k€305k▲

Operating profit (loss)9901€59k€81k▲

Financial income75/76B€1€20▲

Recurring financial income75€1€20▲

Financial charges65/66B€451€2k▲

Recurring financial charges65€451€2k▲

Profit (loss) for the period before taxes9903€59k€79k▲

Income taxes67/77€16k€23k▲

Profit (loss) for the period9904€43k€56k▲

Profit (loss) for the period to be appropriated9905€43k€56k▲

Appropriation of the result

Profit (loss) to be appropriated9906€54k€68k▲

Profit (loss) brought forward from the previous period14P€11k€11k=

Transfer to equity691/2€43k€56k▲

To other reserves6921€43k€56k▲

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 2Filings 4

2026

26-01

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 179 days late

2025

23-05

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 296 days late

2024

31-12

Financial Highest result since 2021net €56k ▲31.6%

Operating result €81k, net result €56k, both a record.

31-12

Financial Equity above €100kEq €110k ▲104%

4 profitable years in a row build equity to €110k.

2023

28-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

28-06

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Antwerpen · 2 establishment units since 2020

establishment All 2 establishment units on the map

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.

Dokter Van de Perrelei 432140 Antwerpen

Ground area

379 m²

Building footprint

387 m²

Volume, LiDAR

2,767 m³

2 parcels, Flanders · tallest building 13.8 m, ±4 floors. Linked by address, not a title deed.

2 establishment units

ZEHRA

Dokter Van de Perrelei 43, 2140 AntwerpenArtisanal bread and fresh pastry making

since 20202.311.578.393

ZEHRA 3

Sint-Pieterstraat 4-6, 2000 AntwerpenArtisanal bread and fresh pastry making

since 20242.363.023.730

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11313B1040/00K003	Flanders	327 m²	1 · 325 m²	10.8 m · 1 fl.
11803C2111/00A000	Flanders	51 m²	1 · 62 m²	13.8 m · 4 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.

Public money · subsidies and aid

Flemish government

2022 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid

Year	Entries	awarded	paid
2022	1	2,000 EUR	2,000 EUR

Schemes

Hinderpremie bij openbare werken

1 entry · 2,000 EUR · 2,000 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Food safety, FASFC

2 sites

Antwerpen2.311.578.393

2 permissions

Toelating · Bakkerij · since 03-02-2021

Toelating · Eetgelegenheid · since 03-02-2021

Antwerpen2.363.023.730

2 permissions

Toelating · Bakkerij · since 12-09-2024

Toelating · Pita-house, pita-bar · since 12-09-2024

Similar companies · same sector, comparable size

Bakkerij 't Korfje

BE 0759.934.028

Hamont-Achel · Eq €110k

Boulangerie L’Alternative

BE 0785.458.290

Theux · Eq €109k

Of 4,202 companies in sector 10712 we hold annual accounts for 1,853. 1,586 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded23-12-2020

Fiscal year end31-12

Activities, NACEBEL

10712Artisanal bread and fresh pastry making

47110Non-specialised retail sale with food, beverages or tobacco predominating

47112Retail trade

56102Limited-service restaurants

56112Limited-service restaurants, excluding mobile food services

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.