ZELY

Active

Private limited companyfounded 20214 yrs activeHerrmann-Debrouxlaan 4-42, 1160 Oudergem, BelgiumKBO/BCE: BE 0778.857.342

ZELY has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €-29k. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 16906 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

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Checked score

Score 2025

52 / 100

Fair▼ -41 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0▼-100

Solvency100=

Growth52=

Stability94

Bankruptcy probability, 12 months

1.0% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €4k at 30 days acceptable

Liquidity ample (current ratio 20.67 against 4.75 in 2024), and 4.6% of the assets are financed with debt.

How do we compute the score and the probability?

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

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 62

Relative position

BE, all sectors

reference

Sector 62

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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 2025

Solvency, return and age of the figures

Solvency

95.4%

Return on assets

-42.8%

Age of the figures

14 mo

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

on the day

2024

4 d late

2023

6 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

30-06-2026 close12-09-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€64k▼ 31.0%

2024 · €92k

2023: €60k 2024: €92k

2023 → 2025

Total assets

€67k▼ 42.2%

2024 · €115k

2023: €69k 2024: €115k

2023 → 2025

Net result

€-29k

2024 · €32k

2023: €58k 2024: €32k

2023 → 2025

Working capital

€61k▼ 30.3%

2024 · €87k

2023: €56k 2024: €87k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€60k-€92k▲ 53.8%€64k▼ 31.0%

Operating result€73k-€42k▼ 43.2%€-28k

Net result€58k-€32k▼ 44.3%€-29k

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 €28k after €42k in 2024, the lowest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €67k

95.4%

Fixed assets €3k▼ 42.2%

Current assets €64k▼ 42.2%

Equity and liabilities €67k

95.4%

Equity €64k▼ 31.0%

Debt €3k▼ 86.7%

The debt ratio falls from 20.1% to 4.6%: debt falls faster than equity shrinks.

Key figures and ratios

2025 value · change against 2024

EBITDA

€-26k▼

2024 · €43k

Cash flow

€-26k▼

2024 · €34k

Solvency

95.4%▲

2024 · 79.9%

Current ratio

20.67▲

2024 · 4.75

Quick ratio

20.67▲

2024 · 4.75

Debt / equity

0.05▼

2024 · 0.25

ROE

-44.8%▼

2024 · 35.0%

ROA

-42.8%▼

2024 · 28.0%

Interest coverage

-231.37▼

2024 · 141.14

Debt

€3k▼

2024 · €23k

Debt ≤ 1 year

€3k▼

2024 · €23k

Income taxes

€132▼

2024 · €9k

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€115k€67k▼

Fixed assets21/28€5k€3k▼

Tangible fixed assets22/27€5k€3k▼

Furniture and vehicles24€5k€3k▼

Current assets29/58€110k€64k▼

Amounts receivable after more than one year29€16k€9k▼

Other amounts receivable291€16k€9k▼

Amounts receivable within one year40/41€21k€24k▲

Trade receivables40€21k€12k▼

Other amounts receivable41-€13k

Cash at bank and in hand54/58€73k€30k▼

Equity and liabilities

Total equity and liabilities10/49€115k€67k▼

Equity10/15€92k€64k▼

Contributions10/11€2k€2k=

Profit (loss) carried forward14€90k€62k▼

Amounts payable17/49€23k€3k▼

Amounts payable within one year42/48€23k€3k▼

Trade debts44€748€1k▲

Suppliers440/4€748€1k▲

Taxes, remuneration and social security45€22k€1k▼

Taxes450/3€22k€1k▼

Other amounts payable47/48€382€497▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲

Other operating charges640/8-€488

Gross operating margin9900€43k€-26k▼

Operating profit (loss)9901€42k€-28k▼

Financial income75/76B€326-

Recurring financial income75€326-

Financial charges65/66B€308€113▼

Recurring financial charges65€308€113▼

Profit (loss) for the period before taxes9903€42k€-28k▼

Income taxes67/77€9k€132▼

Profit (loss) for the period9904€32k€-29k▼

Profit (loss) for the period to be appropriated9905€32k€-29k▼

Appropriation of the result

Profit (loss) to be appropriated9906€90k€62k▼

Profit (loss) brought forward from the previous period14P€58k€90k▲

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 5Financial 2Filings 3

Next filing, fiscal year 2026, expected by 31-01-2027

2026

31-01

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-06

Financial Weakest financial yearnet €-29k ▼188%

Net result drops to €-29k, the lowest in the series.

30-06

Financial Liquidity quadruplescurrent ratio 20.67

Current ratio from 4.75 to 20.67; short-term debt falls from €23k to €3k.

04-02

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 4 days late

2024

06-02

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 6 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, Oudergem · 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.

Herrmann-Debrouxlaan 4-421160 Oudergem

Ground area

9,546 m²

Building footprint

3,754 m²

Volume, LiDAR

71,518 m³

2 parcels, Brussels · tallest building 29.4 m, ±8 floors. Linked by address, not a title deed.

1 establishment unit

ZELY

Herrmann-Debrouxlaan 40-42, 1160 OudergemIT consultancy

since 20222.327.424.532

2 parcels

Brussels 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21332B0424/00D008 ProtectedSite or landscapePark van BergojeSource ↗	Brussels	5,192 m²	1 · 2,419 m²	27.6 m · 7 fl.
21332B0424/00N008	Brussels	4,354 m²	1 · 1,335 m²	29.4 m · 8 fl.