Zelf
ActiveZelf has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-6k) and a net result of €-16k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
20
/ 100
Critical▼ -41 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+50
Solvency34▼-14
Growth32▼-46
Stability94
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.51 against 0.65 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
-96%
Return on assets
-252.4%
Age of the figures
8 mo
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year -€6k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 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 · 4 filingsDeviation from the deadline
2025
28 d late
2024
45 d late
2023
28 d late
2022
49 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-6k
2024 · €10k
2022: €1k
2023: €9k
2024: €10k
2022 → 2025
Total assets
€6k▼ 77.1%
2024 · €28k
2022: €33k
2023: €36k
2024: €28k
2022 → 2025
Net result
€-16k
2024 · €1k
2022: €-9k
2023: €8k
2024: €1k
2022 → 2025
Working capital
€-6k▼ 27.5%
2024 · €-5k
2022: €-8k
2023: €-3k
2024: €-5k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€1k-€9k▲ 676%€10k▲ 11.2%€-6k
Operating result€-12k-€9k€2k▼ 81.8%€-14k
Net result€-9k-€8k€1k▼ 87.2%€-16k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €14k after €2k in 2024, the lowest year so far.
Key figures and ratios
EBITDA
€5k▼
2024 · €6k
Cash flow
€3k▼
2024 · €5k
Solvency
-96.0%▼
2024 · 35.8%
Current ratio
0.51▼
2024 · 0.65
Quick ratio
0.51▼
2024 · 0.65
Debt / equity
-2.04▼
2024 · 1.79
ROE
263.0%▲
2024 · 10.1%
ROA
-252.4%▼
2024 · 3.6%
Interest coverage
2.45▼
2024 · 9.73
Debt
€13k▼
2024 · €18k
Debt ≤ 1 year
€13k▼
2024 · €14k
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€28k€6k▼
Fixed assets21/28€19k-
Tangible fixed assets22/27€19k-
Plant, machinery and equipment23€7k-
Furniture and vehicles24€868-
Other tangible fixed assets26€11k-
Current assets29/58€9k€6k▼
Amounts receivable within one year40/41€4k€6k▲
Trade receivables40€4k€6k▲
Cash at bank and in hand54/58€5k€879▼
Equity and liabilities
Total equity and liabilities10/49€28k€6k▼
Equity10/15€10k€-6k▼
Contributions10/11€10k€10k=
Profit (loss) carried forward14€105€-16k▼
Amounts payable17/49€18k€13k▼
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€14k€13k▼
Current portion of amounts payable after more than one year42€6k-
Trade debts44-€484
Suppliers440/4-€484
Taxes, remuneration and social security45€122€194▲
Taxes450/3€122€194▲
Other amounts payable47/48€7k€12k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€19k▲
Other operating charges640/8€185€605▲
Gross operating margin9900€6k€6k▲
Operating profit (loss)9901€2k€-14k▼
Financial charges65/66B€574€2k▲
Recurring financial charges65€574€2k▲
Profit (loss) for the period before taxes9903€1k€-16k▼
Profit (loss) for the period9904€1k€-16k▼
Profit (loss) for the period to be appropriated9905€1k€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€105€-16k▼
Profit (loss) brought forward from the previous period14P€-912€105▲
The notes to these accounts (4 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €-16k ▼1704%
Net result drops to €-16k, the lowest in the series.
14-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 45 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
18-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 49 days late
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, Overijse · 1 establishment unit since 2021
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.
Brusselsesteenweg 7003090 OverijseGround area
3,706 m²
Building footprint
93 m²
Volume, LiDAR
775 m³
Parcel 23062A0016/03B000, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Zelf
since 20212.317.721.958
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062A0016/03B000 | Flanders | 3,706 m² | 1 · 93 m² | 11.2 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-05-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
85592Vocational training
85599Other education
85699Other educational support services
93199Other sports activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.