ZEK SERVICES
ActiveSummary
The computed 12-month bankruptcy probability of ZEK SERVICES is 2.6% (moderate). The 2024 annual accounts show equity of €85k and a net result of €19k. Equity is growing by ~27.3% per year across the filed fiscal years. Its solvency ranks better than 89% of 26043 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability91▲+9
Solvency100=
Growth56=
Track record100
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 5.34 against 3.91 in 2023; short-term debt: 17.7% and cash: 0% of total assets), and 17.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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 · 9 filingsDeviation from the deadline
2025
not confirmed
2024
28 d late
2023
394 d late
2022
92 d late
2021
71 d late
2020
115 d late
2019
92 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€61k▼ 5.8%
2021 · €65k
2021: €65k
2022: €61k▼ -5.8% vs 2021
2021 → 2022
EBIT margin
10.2%▼ 58.9pp
2021 · 69.1%
2021: 69.1%
2022: 10.2%▼ -85.2% vs 2021
2021 → 2022
Net result
€19k▲ 98.9%
2023 · €9k
2018: €2k
2021: €45khighest value
2022: €-3k▼ -107% vs 2021lowest value
2023: €9k▲ +383% vs 2022
2024: €19k▲ +98.9% vs 2023
2018 → 2024
Working capital
€80k▲ 43.8%
2023 · €56k
2018: €9klowest in 7 years
2019: €9k● 0.0% vs 2018lowest in 7 years
2020: €9k● 0.0% vs 2019lowest in 7 years
2021: €61k▲ +576% vs 2020
2022: €40k▼ -33.6% vs 2021
2023: €56k▲ +37.9% vs 2022
2024: €80k▲ +43.8% vs 2023highest in 7 years
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€65k€61k▼ 5.8%
2021: €65k
2022: €61k▼ -5.8% vs 2021
Equity€22k-€61k▲ 178%€57k▼ 5.5%€67k▲ 16.4%€85k▲ 28.1%
2020: €22klowest in 5 years
2021: €61k▲ +178% vs 2020
2022: €57k▼ -5.5% vs 2021
2023: €67k▲ +16.4% vs 2022
2024: €85k▲ +28.1% vs 2023highest in 5 years
Operating result€45k€6k▼ 86.1%€10k▲ 54.4%€17k▲ 78.0%
2021: €45khighest in 4 years
2022: €6k▼ -86.1% vs 2021lowest in 4 years
2023: €10k▲ +54.4% vs 2022
2024: €17k▲ +78.0% vs 2023
Net result€45k€-3k€9k€19k▲ 98.9%
2021: €45khighest in 4 years
2022: €-3k▼ -107% vs 2021lowest in 4 years
2023: €9k▲ +383% vs 2022
2024: €19k▲ +98.9% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 78% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €104k
Fixed assets
€6k ▼ 50.4%
Current assets
€98k ▲ 31.7%
Equity and liabilities €104k
Equity
€85k ▲ 28.1%
Debt
€18k ▼ 3.7%
Debt's share of the balance-sheet total falls from 22.3% to 17.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€23k▲
2023 · €15k
Cash flow
€25k▲
2023 · €15k
Current ratio
5.34▲
2023 · 3.91
Quick ratio
2.45▲
2023 · 1.12
Debt to equity
0.22▼
2023 · 0.29
ROE
21.9%▲
2023 · 14.1%
ROA
18.0%▲
2023 · 11.0%
Interest coverage
106.57▲
2023 · 71.07
Debt ≤ 1 year
€18k▼
2023 · €19k
Staff costs
€12k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 42 lines
Balance sheet
Code20232024
Assets
Total assets20/58€86k€104k▲
Fixed assets21/28€11k€6k▼
Tangible fixed assets22/27€11k€6k▼
Furniture and vehicles24€11k€6k▼
Current assets29/58€75k€98k▲
Stocks and contracts in progress3€53k€53k=
Stocks30/36€53k€53k=
Amounts receivable within one year40/41€18k€45k▲
Trade receivables40€17k€14k▼
Other amounts receivable41€540€31k▲
Cash at bank and in hand54/58€4k€41▼
Deferred charges and accrued income490/1-€67
Equity and liabilities
Total equity and liabilities10/49€86k€104k▲
Equity10/15€67k€85k▲
Contributions10/11€11k€11k=
Outside capital11€11k€11k=
Other1109/19€11k€11k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€54k€72k▲
Amounts payable17/49€19k€18k▼
Amounts payable within one year42/48€19k€18k▼
Trade debts44€14k€13k▼
Suppliers440/4€14k€13k▼
Taxes, remuneration and social security45€5k€6k▲
Taxes450/3€115€4k▲
Remuneration and social security454/9€5k€2k▼
Income statement
Code20232024
Remuneration, social security and pensions62-€12k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€4k€1k▼
Gross operating margin9900€20k€36k▲
Operating profit (loss)9901€10k€17k▲
Financial income75/76B€0€2k▲
Recurring financial income75€0€2k▲
Financial charges65/66B€218€216▼
Recurring financial charges65€218€216▼
Profit (loss) for the period before taxes9903€9k€19k▲
Profit (loss) for the period9904€9k€19k▲
Profit (loss) for the period to be appropriated9905€9k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€54k€72k▲
Profit (loss) brought forward from the previous period14P€44k€54k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | €65k | €61k | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €47k | €54k | - | - | - |
| Remuneration, social security and pensions62 | - | €2k | - | - | €12k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €2k | €486 | €6k | €6k | ▲ 1.6% |
| Other operating charges640/8 | - | €1k | €870 | €4k | €1k | ▼ 75.6% |
| Gross operating margin9900 | - | €50k | €8k | €20k | €36k | ▲ 84.0% |
| Operating profit (loss)9901 | - | €45k | €6k | €10k | €17k | ▲ 78.0% |
| Financial income75/76B | - | €20 | - | €0 | €2k | ▲ 781,796% |
| Recurring financial income75 | - | €20 | - | €0 | €2k | ▲ 781,796% |
| Non-recurring financial income76B | - | €20 | - | - | - | - |
| Financial charges65/66B | - | €141 | €244 | €218 | €216 | ▼ 0.5% |
| Recurring financial charges65 | - | €141 | €244 | €218 | €216 | ▼ 0.5% |
| Profit (loss) for the period before taxes9903 | - | €45k | €6k | €9k | €19k | ▲ 98.9% |
| Income taxes67/77 | - | - | €9k | - | - | - |
| Profit (loss) for the period9904 | - | €45k | €-3k | €9k | €19k | ▲ 98.9% |
| Profit (loss) for the period to be appropriated9905 | - | €45k | €-3k | €9k | €19k | ▲ 98.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €31k | €104k | €122k | €86k | €104k | ▲ 21.0% |
| Fixed assets21/28 | €13k | - | €17k | €11k | €6k | ▼ 50.4% |
| Tangible fixed assets22/27 | €13k | - | €17k | €11k | €6k | ▼ 50.4% |
| Furniture and vehicles24 | - | - | €17k | €11k | €6k | ▼ 50.4% |
| Current assets29/58 | €18k | €104k | €105k | €75k | €98k | ▲ 31.7% |
| Stocks and contracts in progress3 | €8k | €53k | €53k | €53k | €53k | = |
| Stocks30/36 | - | €53k | €53k | €53k | €53k | = |
| Amounts receivable within one year40/41 | €4k | €33k | €51k | €18k | €45k | ▲ 155% |
| Trade receivables40 | - | €33k | €46k | €17k | €14k | ▼ 15.8% |
| Other amounts receivable41 | - | - | €4k | €540 | €31k | ▲ 5,559% |
| Cash at bank and in hand54/58 | €6k | €19k | €1k | €4k | €41 | ▼ 98.9% |
| Deferred charges and accrued income490/1 | - | - | - | - | €67 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €31k | €104k | €122k | €86k | €104k | ▲ 21.0% |
| Equity10/15 | €22k | €61k | €57k | €67k | €85k | ▲ 28.1% |
| Contributions10/11 | €6k | €11k | €11k | €11k | €11k | = |
| Outside capital11 | - | €11k | €11k | €11k | €11k | = |
| Other1109/19 | - | €11k | €11k | €11k | €11k | = |
| Reserves13 | €119 | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €15k | €48k | €44k | €54k | €72k | ▲ 34.9% |
| Amounts payable17/49 | €9k | €44k | €65k | €19k | €18k | ▼ 3.7% |
| Amounts payable within one year42/48 | €9k | €44k | €65k | €19k | €18k | ▼ 3.7% |
| Trade debts44 | - | €12k | €21k | €14k | €13k | ▼ 9.5% |
| Suppliers440/4 | - | €12k | €21k | €14k | €13k | ▼ 9.5% |
| Taxes, remuneration and social security45 | - | €19k | €4k | €5k | €6k | ▲ 11.9% |
| Taxes450/3 | - | €2k | €750 | €115 | €4k | ▲ 3,374% |
| Remuneration and social security454/9 | - | €17k | €3k | €5k | €2k | ▼ 64.4% |
| Other amounts payable47/48 | - | €13k | €40k | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | - | €45k | €-3k | €9k | €19k | ▲ 98.9% |
| + Depreciation and write-downs630 | - | €2k | €486 | €6k | €6k | ▲ 1.6% |
| Operating cash flow (approximation) | - | €46k | €-3k | €15k | €25k | ▲ 61.7% |
| Investment in fixed assets (approximation) | - | - | - | €0 | €-300 | - |
| Change in cash | - | €12k | €-18k | €3k | €-4k | ▼ 240% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 394 days late
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2023
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 3.91
Current ratio from 1.62 to 3.91; short-term debt falls from €65k to €19k.
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
10-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 71 days late
2021
31-12
Financial
Highest result since 2018net €45k ▲1,781%
Operating result €45k, net result €45k, both a record.
23-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 115 days late
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
05-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 127 days late
2018
03-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 125 days late
2017
23-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 84 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 13 acts read
About the unread acts
We know of 13 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
13 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, Sint-Jans-Molenbeek · 3 establishment units since 2016
Ground area
4.3 ha
Building footprint
2.0 ha
Volume, LiDAR
129,733 m³
4 parcels, Brussels, Flanders, Wallonia · tallest building 21.3 m, ±5 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
3 establishment units
ZEK SERVICES
since 20162.253.296.043
GOTOHOME
since 20192.302.578.674
DOOR2AIRPORT
since 20192.302.578.773
4 parcels
Flanders
1
(25%)
Wallonia
1
(25%)
Brussels
2
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23045D0666/00A000 | Flanders | 4.1 ha | 1 · 1.9 ha | 21.3 m · 2 fl. |
| 57463L0290/00F000 | Wallonia | 1,965 m² | 1 · 462 m² | - |
| 21012A0165/00X004 | Brussels | 412 m² | 1 · 411 m² | 21.0 m · 2 fl. |
| 21012A0165/00B003indicative | Brussels | 84 m² | 1 · 84 m² | 17.2 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
3 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 10,667 companies in sector 47811 we hold annual accounts for 5,220. 3,577 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded16-02-2016
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
49330On-demand passenger transport by chauffeured vehicle
49310Scheduled passenger transport by road
53200Other postal and courier activities
Scores and ratios are computed by Checked and are not a credit decision.