ZELACO
ActiveZELACO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €568k and a net result of €243k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 58% of 7950 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €568k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 19-09-2025, 42 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
42 d early
2024
34 d early
2023
34 d early
2022
42 d early
2021
17 d early
2020
23 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close11-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€568k▲ 23.1%
2024 · €461k
2019: €600k
2020: €450k
2021: €694k
2022: €220k
2023: €220k
2024: €461k
2019 → 2025
Net result
€243k▲ 0.6%
2024 · €241k
2019: €282k
2020: €-150k
2021: €244k
2022: €289k
2023: €167k
2024: €241k
2019 → 2025
Total assets
€934k▲ 12.4%
2024 · €831k
2019: €1.44M
2020: €1.43M
2021: €1.22M
2022: €1.24M
2023: €1.32M
2024: €831k
2019 → 2025
Solvency
60.8%▲ 5.3pp
2024 · 55.5%
2019: 41.7%
2020: 31.5%
2021: 56.7%
2022: 17.8%
2023: 16.6%
2024: 55.5%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€694k-€220k▼ 68.3%€220k=€461k▲ 110%€568k▲ 23.1%
Operating result€14k-€13k▼ 5.8%€236k▲ 1,751%€303k▲ 28.3%€332k▲ 9.6%
Net result€244k-€289k▲ 18.3%€167k▼ 42.2%€241k▲ 44.3%€243k▲ 0.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 10% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €934k
Fixed assets
€787k▼ 1.0%
Current assets
€147k▲ 309%
Equity and liabilities €934k
Equity
€568k▲ 23.1%
Debt
€366k▼ 1.0%
The debt ratio falls from 44.5% to 39.2%: equity grows while debt is paid down.
Key figures and ratios
Solvency
60.8%▲
2024 · 55.5%
ROE
42.7%▼
2024 · 52.3%
ROA
26.0%▼
2024 · 29.0%
Debt
€366k▼
2024 · €369k
Debt ≤ 1 year
€233k▲
2024 · €224k
Debt > 1 year
€125k=
2024 · €125k
Income taxes
€77k▲
2024 · €68k
Staff costs
€61k▲
2024 · €60k
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€831k€934k▲
Fixed assets21/28€795k€787k▼
Tangible fixed assets22/27€45k€36k▼
Land and buildings22€9k€9k=
Furniture and vehicles24€35k€27k▼
Financial fixed assets28€750k€750k=
Current assets29/58€36k€147k▲
Amounts receivable within one year40/41€34k€0▼
Trade receivables40€30k€0▼
Other amounts receivable41€4k€0▼
Cash at bank and in hand54/58€584€146k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€831k€934k▲
Equity10/15€461k€568k▲
Contributions10/11€200k€200k=
Reserves13€125k€125k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€105k€105k=
Distributable reserves133€20k€20k=
Profit (loss) carried forward14€136k€243k▲
Amounts payable17/49€369k€366k▼
Amounts payable after more than one year17€125k€125k=
Financial debts170/4€125k€125k=
Amounts payable within one year42/48€224k€233k▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€23k€37k▲
Taxes450/3€6k€20k▲
Remuneration and social security454/9€17k€17k▼
Other amounts payable47/48€199k€193k▼
Accrued charges and deferred income492/3€20k€8k▼
Income statement
Code20242025
Non-recurring operating income76A-€1k
Remuneration, social security and pensions62€60k€61k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€13k▲
Other operating charges640/8€3k€3k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€368k€409k▲
Operating profit (loss)9901€303k€332k▲
Financial income75/76B€23k€0▼
Recurring financial income75€23k€0▼
Financial charges65/66B€16k€12k▼
Recurring financial charges65€16k€12k▼
Profit (loss) for the period before taxes9903€310k€320k▲
Income taxes67/77€68k€77k▲
Profit (loss) for the period9904€241k€243k▲
Transfer to tax-exempt reserves689€105k€0▼
Profit (loss) for the period to be appropriated9905€136k€243k▲
Appropriation of the result
Profit (loss) to be appropriated9906€136k€379k▲
Profit (loss) brought forward from the previous period14P-€136k
Profit to be distributed694/7€0€136k▲
Return on contributions (dividend)694€0€136k▲
The notes to these accounts (10 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
2025
19-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Equity above €500kEq €568k ▲23.1%
5 profitable years in a row build equity to €568k.
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
19-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Highest result since 2019net €289k ▲18.3%
Net result €289k, the highest in the series.
2021
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Back to profitnet €244k
Net result €244k after one loss-making year.
31-03
Financial
Equity above €500kEq €694k ▲54.3%
Equity rises from €450k to €694k.
2020
23-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
31-03
Financial
Weakest financial yearnet €-150k ▼153%
Net result drops to €-150k, the lowest in the series; recovery starts the following year.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 264 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2020
Ollevier-Claeys Karel
CurrentDirector · since 01-01-2020
Ollevier-Claeys Mario
CurrentDirector · since 01-01-2020
01-01-2020
Ollevier-Claeys Karel: Appointed as Director
01-01-2020
Ollevier-Claeys Mario: Appointed as Director
Location & real-estate footprint
Registered office, Tessenderlo-Ham · 1 establishment unit since 2016
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.
Tuinstraat 13945 Tessenderlo-HamGround area
1.9 ha
Building footprint
661 m²
Volume, LiDAR
2,625 m³
Parcel 71046A0449/00M000, Flanders · tallest building 7.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ZELACO
since 20162.264.050.769
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71046A0449/00M000 | Flanders | 1.9 ha | 1 · 661 m² | 7.0 m · 1 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.
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Of 24,639 companies in sector 64210 we hold annual accounts for 19,694. 13,482 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2016
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.