ZEIN
ActiveThe computed 12-month bankruptcy probability of ZEIN is 2.5% (moderate). The 2025 annual accounts show equity of €15k and a net result of €-2k. Equity is growing by ~330.7% per year across the filed fiscal years. Its solvency ranks better than 86% of 1541 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability7▲+5
Solvency99▲+99
Growth52▼-6
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 3.02 against 0.42 in 2024; short-term debt: 25.7% and cash: 18.4% of total assets), and 25.7% 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.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · 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 →
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 2025Solvency, return and age of the figures
Solvency
74.3%
Return on assets
-9.5%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
on the day
2024
68 d late
2023
307 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k
2024 · €-3k
2023: €-1k
2024: €-3k
2023 → 2025
Total assets
€21k▲ 158%
2024 · €8k
2023: €160
2024: €8k
2023 → 2025
Net result
€-2k▼ 73.9%
2024 · €-1k
2023: €-1k
2024: €-1k
2023 → 2025
Working capital
€11k
2024 · €-6k
2023: €-1k
2024: €-6k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-1k-€-3k▼ 79.5%€15k
Operating result€-1k-€-1k▲ 17.0%€-2k▼ 64.9%
Net result€-1k-€-1k▲ 20.5%€-2k▼ 73.9%
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 €2k in 2025 against €1k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €21k
Fixed assets
€5k▲ 28.9%
Current assets
€16k▲ 262%
Equity and liabilities €21k
Equity
€15k
Debt
€5k
Debt finances 25.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€-409▲
2024 · €-782
Cash flow
€-511▲
2024 · €-782
Solvency
74.3%▲
2024 · -31.6%
Current ratio
3.02▲
2024 · 0.42
Quick ratio
3.02▲
2024 · 0.42
Debt / equity
0.35▲
2024 · -4.16
ROE
-12.7%
ROA
-9.5%▲
2024 · -14.0%
Interest coverage
-3.99
Debt
€5k▼
2024 · €11k
Debt ≤ 1 year
€5k▼
2024 · €11k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€8k€21k▲
Fixed assets21/28€4k€5k▲
Tangible fixed assets22/27€4k€5k▲
Plant, machinery and equipment23€4k€5k▲
Current assets29/58€4k€16k▲
Amounts receivable within one year40/41€4k€12k▲
Trade receivables40€4k€25▼
Other amounts receivable41-€12k
Cash at bank and in hand54/58€49€4k▲
Equity and liabilities
Total equity and liabilities10/49€8k€21k▲
Equity10/15€-3k€15k▲
Contributions10/11-€20k
Profit (loss) carried forward14€-3k€-5k▼
Amounts payable17/49€11k€5k▼
Amounts payable within one year42/48€11k€5k▼
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Other amounts payable47/48€6k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€350€1k▲
Other operating charges640/8€168€354▲
Gross operating margin9900€-614€-55▲
Operating profit (loss)9901€-1k€-2k▼
Financial charges65/66B-€102
Recurring financial charges65-€102
Profit (loss) for the period before taxes9903€-1k€-2k▼
Profit (loss) for the period9904€-1k€-2k▼
Profit (loss) for the period to be appropriated9905€-1k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-5k▼
Profit (loss) brought forward from the previous period14P€-1k€-3k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series.
31-12
Financial
Liquidity times 7current ratio 3.02
Current ratio from 0.42 to 3.02; short-term debt falls from €11k to €5k.
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 68 days late
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 307 days late
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, Lier · 1 establishment unit since 2022
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.
Antwerpsesteenweg 542500 LierGround area
280 m²
Building footprint
117 m²
Volume, LiDAR
832 m³
Parcel 12392A0557/00M005, Flanders · tallest building 13.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ZEIN
since 20222.336.091.877
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12392A0557/00M005 | Flanders | 280 m² | 1 · 117 m² | 13.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLier2.336.091.877
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KARAARSLAN
BE 1001.191.933
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La WAFE
BE 1015.061.745
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FNBP
BE 0799.156.967
Amay · Eq €16k
Of 4,227 companies in sector 10712 we hold annual accounts for 1,870. 1,135 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-05-2022
Fiscal year end31-12
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
56210Event catering
10711Manufacture of food products
10720Manufacture of food products
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.