Financials
- Fiscal year
- 2025
- Total assets
- €2,935
- Loss
- -€1,554
- Solvency
- 15.2%
ZEM GROUP
ActiveSummary
The computed 12-month bankruptcy probability of ZEM GROUP is 4.9% (elevated). The annual accounts of ZEM GROUP for fiscal year 2025 show a net loss of 53% of total assets. The 2025 annual accounts show equity of €446 and a net result of -€1,554. Its solvency ranks better than 34% of 1770 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Manufacture of food products
NACE 10111
1 site
Size
€2,935total assets 2025
- Equity
- €446
- Loss
- -€1,554
Turnover not published (abridged schema)
Structure
Accounts filed 31 d late0 of 1 deed read
Why 35- Sector Manufacture of food products (NACE 10)- Founded in 2025- Latest accounts 31 days late; 1 of the last 3 late+ Size: total assets €2,935Show the evidence
Checked score
Score 2025
35
/ 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 15% of its sector peers (NACE 10, micro)
Performance against the sector, not lower risk
Financial strength
Weak
Solvency
40
equity 15.2% of total assets
Liquidity
11
short-term debt 84.8% · cash 5.9%
Profitability
0
return on assets -52.9%
Bankruptcy probability, 12 months
4.9%
Elevated
0%0.5%1.5%4%10%≥ 25%
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
02-2026: 3.6%lowest value
03-2026: 3.6%● 0.0% vs 02-2026lowest value
04-2026: 3.7%▲ +4.2% vs 03-2026
05-2026: 4.0%▲ +7.9% vs 04-2026
06-2026: 4.2%▲ +3.8% vs 05-2026
07-2026: 4.6%▲ +9.5% vs 06-2026
08-2026: 5.0%▲ +9.1% vs 07-2026highest value
09-2026: 4.9%▼ -2.2% vs 08-2026
10-2026: 4.9%● 0.0% vs 09-2026
- Sector Manufacture of food products (NACE 10) raises the probability
- Founded in 2025 raises the probability for this profile
- Latest accounts 31 days late; 1 of the last 3 late raises the probability
- Size: total assets €2,935 lowers the probability for this profile
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
balance sheet total too small for a liquidity verdict.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 10, micro). Better than this share of them on solvency 31%, liquidity 7%, profitability 6%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
- 31-08-2026Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Manufacture of food productsNACE 10111
- Founded
- 16-01-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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