ZEMTEC
ActiveZEMTEC has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30k and a net result of €51k. Equity is shrinking by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 25% of 9450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency50▲+1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.93 against 0.9 in 2024; short-term debt: 59.7% and cash: 33.7% of total assets), and 75.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 71
Relative position
BE, all sectors
reference
Sector 71
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
24.7%
Return on assets
42.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 9450 sector peers (2025).
NBB · sector comparisonPosition among 9450 sector peers
Solvency
better than 25%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €30k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-04-2026, 113 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
113 d early
2024
48 d early
2023
48 d early
2022
48 d early
2021
41 d early
2020
46 d early
2019
30 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€30k▲ 0.2%
2024 · €30k
2019: €49k
2020: €42k
2021: €23k
2022: €917
2023: €679
2024: €30k
2019 → 2025
Total assets
€121k▼ 1.2%
2024 · €123k
2019: €133k
2020: €110k
2021: €123k
2022: €75k
2023: €29k
2024: €123k
2019 → 2025
Net result
€51k▼ 29.2%
2024 · €72k
2019: €30k
2020: €11k
2021: €31k
2022: €22k
2023: €15k
2024: €72k
2019 → 2025
Working capital
€-5k▲ 30.9%
2024 · €-7k
2019: €-37k
2020: €-27k
2021: €-30k
2022: €-28k
2023: €-6k
2024: €-7k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€917▼ 96.1%€679▼ 25.9%€30k▲ 4,292%€30k▲ 0.2%
Operating result€43k-€30k▼ 29.9%€23k▼ 23.7%€75k▲ 224%€69k▼ 7.5%
Net result€31k-€22k▼ 31.1%€15k▼ 30.5%€72k▲ 381%€51k▼ 29.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €121k
Fixed assets
€54k▼ 12.7%
Current assets
€68k▲ 10.5%
Equity and liabilities €121k
Equity
€30k▲ 0.2%
Debt
€91k▼ 1.7%
The debt ratio falls from 75.7% to 75.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€85k▲
2024 · €81k
Cash flow
€67k▼
2024 · €78k
Solvency
24.7%▲
2024 · 24.3%
Current ratio
0.93▲
2024 · 0.90
Quick ratio
0.93▲
2024 · 0.90
Debt / equity
3.05▼
2024 · 3.11
ROE
170.8%▼
2024 · 241.8%
ROA
42.2%▼
2024 · 58.9%
Interest coverage
53.05▼
2024 · 101.50
Debt
€91k▼
2024 · €93k
Debt ≤ 1 year
€72k▲
2024 · €68k
Debt > 1 year
€19k▼
2024 · €25k
Income taxes
€18k▼
2024 · €26k
Staff costs
€400▲
2024 · €387
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€123k€121k▼
Formation expenses20€151-
Fixed assets21/28€61k€54k▼
Tangible fixed assets22/27€61k€54k▼
Plant, machinery and equipment23€7k€8k▲
Furniture and vehicles24€54k€46k▼
Current assets29/58€61k€68k▲
Amounts receivable within one year40/41€34k€26k▼
Trade receivables40€17k€25k▲
Other amounts receivable41€16k€1k▼
Cash at bank and in hand54/58€28k€41k▲
Deferred charges and accrued income490/1€7€255▲
Equity and liabilities
Total equity and liabilities10/49€123k€121k▼
Equity10/15€30k€30k▲
Contributions10/11€600€600=
Reserves13€29k€29k=
Distributable reserves133€29k€29k=
Profit (loss) carried forward14€237€309▲
Amounts payable17/49€93k€91k▼
Amounts payable after more than one year17€25k€19k▼
Financial debts170/4€25k€19k▼
Amounts payable within one year42/48€68k€72k▲
Current portion of amounts payable after more than one year42€6k€6k▲
Financial debts43€4k-
Credit institutions430/8€4k-
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€13k€11k▼
Taxes450/3€13k€11k▼
Other amounts payable47/48€43k€53k▲
Accrued charges and deferred income492/3-€89
Income statement
Code20242025
Remuneration, social security and pensions62€387€400▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€16k▲
Gross operating margin9900€81k€86k▲
Operating profit (loss)9901€75k€69k▼
Financial income75/76B€24k€932▼
Recurring financial income75€11€398▲
Non-recurring financial income76B€23k€534▼
Financial charges65/66B€836€2k▲
Recurring financial charges65€796€2k▲
Non-recurring financial charges66B€40-
Profit (loss) for the period before taxes9903€98k€69k▼
Income taxes67/77€26k€18k▼
Profit (loss) for the period9904€72k€51k▼
Profit (loss) for the period to be appropriated9905€72k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€72k€51k▼
Profit (loss) brought forward from the previous period14P€79€237▲
Transfer to equity691/2€29k-
To other reserves6921€29k-
Profit to be distributed694/7€43k€51k▲
Return on contributions (dividend)694€43k€51k▲
The notes to these accounts (11 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
09-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €72k ▲381%
Operating result €75k, net result €72k, both a record.
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €11k ▼64.1%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · 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, Fléron · 1 establishment unit since 2019
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.
Rue des Onhons 94620 FléronGround area
320 m²
Building footprint
66 m²
Parcel 62038B0074/00Z000, Wallonia. Linked by address, not a title deed.
1 establishment unit
ZEMTEC
since 20192.283.624.676
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62038B0074/00Z000 | Wallonia | 320 m² | 1 · 66 m² | - |
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.
Similar companies · same sector, comparable size
BELGIUM RENEWABLE INVESTMENTS
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A.G.M. ENGINEERING
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JCiP
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PHREATIS
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Nivelles · Eq €30k
Of 11,554 companies in sector 71121 we hold annual accounts for 6,562. 4,469 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-12-2018
Fiscal year end31-12
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
25530Machining of metals
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.