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ZEN

Active
Private limited companyfounded 20223 yrs activeAzalealaan 9, 2840 Rumst, BelgiumKBO/BCE: BE 0792.292.139
Summary

ZEN has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12,292 and a net result of €8,029. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 80% of 5538 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Risk analysisWatch ReportCompare
ZENActiveChecked score 73/100
Risk analysis ReportCompare

Overview

Activity
Beauty care and other beauty treatments
NACE 96220Beauty treatment NACE 96022
1 site
Size
€18,700total assets 2025
Equity
€12,292
Profit
€8,029
Turnover not published (abridged schema)
Financial health
73 Healthy Checked score 2025
Bankruptcy chance 12 m
0.6%
Structure
Accounts filed 30 d late0 of 1 deed read
Why 73- Size: total assets €18,700- Founded in 2022+ Liquidity: current ratio 1.91, cash €4,856+ Figures for FY 2025 (filed 30-08-2026)Show the evidence

Checked score

Score 2025
73 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 85% of its sector peers (NACE 96, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 91+31
equity 65.7% of total assets
Liquidity 67+27
short-term debt 34.3% · cash 26.0%
Profitability 100=
return on assets 42.9%
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%

About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (7,592 companies)
Last 24 months 11-2024: 2.0% 12-2024: 2.0%● 0.0% vs 11-2024 01-2025: 2.0%▼ -2.1% vs 12-2024 02-2025: 2.0%● 0.0% vs 01-2025 03-2025: 2.0%▲ +3.1% vs 02-2025 04-2025: 2.2%▲ +6.0% vs 03-2025highest value 05-2025: 2.1%▼ -1.1% vs 04-2025 06-2025: 2.1%▼ -1.8% vs 05-2025 07-2025: 2.0%▼ -3.7% vs 06-2025 08-2025: 1.0%▼ -51.5% vs 07-2025 09-2025: 1.0%● 0.0% vs 08-2025 10-2025: 1.0%● 0.0% vs 09-2025 11-2025: 1.0%● 0.0% vs 10-2025 12-2025: 1.0%● 0.0% vs 11-2025 01-2026: 1.0%▼ -1.3% vs 12-2025 02-2026: 1.0%● 0.0% vs 01-2026 03-2026: 1.0%▲ +3.5% vs 02-2026 04-2026: 1.1%▲ +5.5% vs 03-2026 05-2026: 1.1%▲ +4.2% vs 04-2026 06-2026: 1.0%▼ -13.4% vs 05-2026 07-2026: 1.0%▲ +4.8% vs 06-2026 08-2026: 1.5%▲ +54.4% vs 07-2026 09-2026: 0.6%▼ -61.5% vs 08-2026 10-2026: 0.6%▼ -2.5% vs 09-2026lowest value
  • Size: total assets €18,700 raises the probability for this profile
  • Founded in 2022 raises the probability for this profile
  • Liquidity: current ratio 1.91, cash €4,856 lowers the probability
  • Figures for FY 2025 (filed 30-08-2026) lowers the probability
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.91 against 0.62 in 2024; short-term debt: 34.3% and cash: 26% of total assets), and 34.3% of the assets are financed with debt.
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 96, micro). Better than this share of them on solvency 80%, liquidity 72%, profitability 93%, growth against the median 95%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 06-10-2026. 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
raises risk · Size: total assets €18,700
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
raises risk · Founded in 2022
In the bankruptcy model this factor raises the probability for this profile.
KBO
lowers risk · Liquidity: current ratio 1.91, cash €4,856
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 30-08-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filings
Deviation from the deadline
2025
30 d late
2024
21 d early
2023
23 d early
2022
28 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 11 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 10 July (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
07-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Highest result since 2022net €8,029 ▲17.9%
  3. Liquidity triplescurrent ratio 1.91

Key points

  • Total assets 20254 fiscal years filed €18,700 View
  • Active since 2022founded 11-10-2022 3 years View

By topic

Financials

Fiscal year
2025
Total assets
€18,700
Profit
€8,029
Solvency
65.7%
Total assets▲ 51.8%
Net result
20222025
Go to Financials

Timeline

Events
8
Since
2023
Next accounts
by 31-07-2027
  1. 30-08-2026Annual accounts filed
  2. 31-12-2025Highest result since 2022
  3. 31-12-2025Liquidity triples
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Beauty care and other beauty treatmentsNACE 96220
Founded
11-10-2022
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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