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ZEN HABITAT

Active
Public limited companyfounded 2024active for 2 yearsChemin de Feluy 289, 7090 Braine-le-Comte, BelgiumKBO/BCE: BE 1008.664.297
Summary

The computed 12-month bankruptcy probability of ZEN HABITAT is 5.3% (elevated). The 2025 annual accounts show equity of €79,427 and a net result of -€20,573. Its solvency ranks better than 30% of 2,797 sector peers (NACE 41, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 22-04-2024 Normal situation
Activity
General construction of residential buildings NACE 41001and 2 others
Establishment unit
2.363.392.627 7090 Braine-le-Comte, since 22-04-2024
Financial year end
31 December
Peppol
Reachable since 22-11-2025

Board and ownership

Board

Financial position

35 Weak Checked score 2025
Bankruptcy probabilitywithin 12 months
5.3%
Annual accounts 2025
Gross margin
-€14,720
Loss
€20,573
Equity
€79,427
Total assets
€371,220
  • 2025 accounts filed 31 days after the deadline
Turnover not published (abbreviated format)
Score breakdownraises riskSector: Construction of residential and non-residential buildings (NACE 41)Founded in 2024Liquidity: current ratio 1.27, cash €254Last filed accounts filed 31 days late; 1 of the last 3 accounts lateShow the evidence

Checked score

Score 2025
35 / 100
Weak
Probability in this band: 4.2% to 15.0%
Financially stronger than 18% of micro companies in construction of buildings (NACE 41)
Financial strength
Weak
Solvency 46
equity 21.4% of total assets
Liquidity 7
short-term debt 78.6% · cash 0.1%
Profitability 24
return on assets -5.5%
Bankruptcy probability within 12 months
5.3% Elevated
0%0.5%1.5%4%10%≥ 25%

About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,453 companies, NACE 41, micro)
Last 24 months 05-2025: 3.2%lowest value 06-2025: 3.2%● unchanged vs 05-2025lowest value 07-2025: 3.3%▲ +0.1 percentage points vs 06-2025 08-2025: 3.6%▲ +0.3 percentage points vs 07-2025 09-2025: 3.7%▲ +0.1 percentage points vs 08-2025 10-2025: 4.0%▲ +0.3 percentage points vs 09-2025 11-2025: 4.0%● unchanged vs 10-2025 12-2025: 4.4%▲ +0.4 percentage points vs 11-2025 01-2026: 4.3%▼ -0.1 percentage points vs 12-2025 02-2026: 4.2%▼ -0.1 percentage points vs 01-2026 03-2026: 4.5%▲ +0.3 percentage points vs 02-2026 04-2026: 4.6%▲ +0.1 percentage points vs 03-2026 05-2026: 4.6%● unchanged vs 04-2026 06-2026: 4.6%● unchanged vs 05-2026 07-2026: 4.6%● unchanged vs 06-2026 08-2026: 4.6%● unchanged vs 07-2026 09-2026: 5.3%▲ +0.7 percentage points vs 08-2026highest value 10-2026: 5.3%● unchanged vs 09-2026highest value 11-2026: 5.3%● unchanged vs 10-2026highest value
Credit of up to €2,500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity is tight, with a current ratio of 1.27, below the usual 1.5. Short-term debt is 78.6% and cash 0.1% of total assets. 78.6% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 28% of them on solvency, 8% on liquidity and 18% on profitability.

The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
raises risk
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · Founded in 2024
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Liquidity: current ratio 1.27, cash €254
NBB · annual accounts
raises risk · Last filed accounts filed 31 days late; 1 of the last 3 accounts late
NBB · filings
raises risk · 2025 accounts filed 31 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filing
Deviation from the deadline
2025
31 days late
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2024.
KBO publications

Key points

  • Caution: Lower net result than 85% of companies in construction of buildingssector median €19,246 · 2,791 companies -€20,573 View

Recent changes

  1. · Gazette deed IncorporationStarting capital €100,000 · Appointments: BRIATTE Sébastien Daniel Anselme Lucien, BATLLE Olivier Jean and GILBERT Florence Claire Anne Michèle
All 2 events

Comparable companies

These companies have the same main activity as ZEN HABITAT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €295,000 and €434,000, founded between 2022 and 2024.

CompanyTotal assetsGross margin
ZEN HABITAT Braine-le-Comte€371,220-€14,720
PARRINELLO IMMO Châtelet€327,132-€9,456
Modern Living Solutions Sint-Pieters-Leeuw€385,218-€15,892
CRE-8 Knokke-Heist€400,963-€53,921
Espaces Privés Waterloo€294,698-€6,132
ARIKAN INVEST Charleroi€433,661-€4,716
Safe Invest Gent€318,517-€5,734
Full comparison

Key facts about ZEN HABITAT

What is the company number of ZEN HABITAT?
The company number of ZEN HABITAT is 1008.664.297. The VAT number is the same number with BE in front: BE 1008.664.297.
Where is ZEN HABITAT based?
The registered office is at Chemin de Feluy 289, 7090 Braine-le-Comte.Company details
What does ZEN HABITAT do?
According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
What is the legal form of ZEN HABITAT?
The legal form of ZEN HABITAT is Public limited company (NV).
When was ZEN HABITAT founded?
ZEN HABITAT was founded on 22-04-2024.
Is ZEN HABITAT still active?
Yes, ZEN HABITAT is an active enterprise in the KBO register.
What is the turnover of ZEN HABITAT?
The annual accounts for financial year 2025 state no turnover. The abbreviated format does not require it.Financials
Is ZEN HABITAT profitable?
In financial year 2025, ZEN HABITAT made a loss of €20,573.
Where can I find the annual accounts of ZEN HABITAT?
ZEN HABITAT filed 1 annual account with the National Bank of Belgium, for financial year 2025.

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