ZELF JL
ActiveZELF JL has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €13k and a net result of €36k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 33% of 37968 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+100
Solvency64▲+64
Growth58▲+26
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.63 against 0.26 in 2023; short-term debt: 61.4% and cash: 86.6% of total assets), but 61.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 2024Solvency, return and age of the figures
Solvency
38.6%
Return on assets
104.1%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-06-2025, 37 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
37 d early
2023
28 d early
2022
42 d early
2021
41 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€13k
2023 · €-22k
2021: €16k
2022: €4k
2023: €-22k
2021 → 2024
Total assets
€34k▲ 190%
2023 · €12k
2021: €44k
2022: €22k
2023: €12k
2021 → 2024
Net result
€36k
2023 · €-27k
2021: €13k
2022: €-12k
2023: €-27k
2021 → 2024
Working capital
€13k
2023 · €-25k
2021: €10k
2022: €28
2023: €-25k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€16k-€4k▼ 74.0%€-22k€13k
Operating result€17k-€-11k€-25k▼ 138%€40k
Net result€13k-€-12k€-27k▼ 123%€36k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €40k after a loss of €25k in 2023, the highest result in the available series.
Balance-sheet composition
Equity and liabilities €34k
Equity
€13k
Debt
€21k
Debt finances 61.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€43k▲
2023 · €-20k
Cash flow
€39k▲
2023 · €-21k
Solvency
38.6%▲
2023 · -189.9%
Current ratio
1.63▲
2023 · 0.26
Quick ratio
1.63▲
2023 · 0.26
Debt / equity
1.59▲
2023 · -1.53
ROE
269.9%
ROA
104.1%▲
2023 · -225.6%
Interest coverage
90.87▲
2023 · -25.82
Debt
€21k▼
2023 · €34k
Debt ≤ 1 year
€21k▼
2023 · €33k
Debt > 1 year
€0▼
2023 · €1k
Income taxes
€4k▲
2023 · €454
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€12k€34k▲
Fixed assets21/28€3k€0▼
Tangible fixed assets22/27€3k€0▼
Furniture and vehicles24€323€0▼
Leasing and similar rights25€3k€0▼
Current assets29/58€9k€34k▲
Amounts receivable within one year40/41€7k€3k▼
Trade receivables40€3k€3k=
Other amounts receivable41€4k€0▼
Cash at bank and in hand54/58€0€30k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€12k€34k▲
Equity10/15€-22k€13k▲
Contributions10/11€5k€5k=
Reserves13-€8k
Distributable reserves133-€8k
Profit (loss) carried forward14€-27k€0▲
Amounts payable17/49€34k€21k▼
Amounts payable after more than one year17€1k€0▼
Financial debts170/4€1k€0▼
Amounts payable within one year42/48€33k€21k▼
Current portion of amounts payable after more than one year42€3k€0▼
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€1k€6k▲
Taxes450/3€1k€6k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€25k€13k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€3k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€-19k€44k▲
Operating profit (loss)9901€-25k€40k▲
Financial charges65/66B€768€477▼
Recurring financial charges65€768€477▼
Profit (loss) for the period before taxes9903€-26k€40k▲
Income taxes67/77€454€4k▲
Profit (loss) for the period9904€-27k€36k▲
Profit (loss) for the period to be appropriated9905€-27k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-27k€8k▲
Profit (loss) brought forward from the previous period14P€-787€-27k▼
Transfer from equity791/2€0-
Transfer to equity691/2-€8k
To other reserves6921-€8k
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
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €36k
Net result €36k after 2 loss-making years.
31-12
Financial
Liquidity times 6current ratio 1.63
Current ratio from 0.26 to 1.63; short-term debt falls from €33k to €21k.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-27k
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Zulte · 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.
Poelkenswegel 89870 ZulteGround area
332 m²
Building footprint
78 m²
Volume, LiDAR
410 m³
Parcel 44050B1137/00G004, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ZELF JL
since 20212.319.755.394
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44050B1137/00G004 | Flanders | 332 m² | 1 · 78 m² | 8.6 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 2,025 EUR awarded · 2,025 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 2,025 EUR | 2,025 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 26,047 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-07-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
66300Activities auxiliary to financial services and insurance activities
68203Renting and operating of own or leased non-residential real estate, excluding land
70100Activities of head offices
78100Employment placement agencies
82100Office administrative and support services
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.zelf.be
E-mail:jurgen@zelf.be