ZEN & HARMONIE

Active

Private limited companyfounded 20241 yr activeWaverse Steenweg 249, 1050 Elsene, BelgiumKBO/BCE: BE 1014.193.101

The computed 12-month bankruptcy probability of ZEN & HARMONIE is 1.8% (moderate). The 2025 annual accounts show equity of €23k and a net result of €-471. Its solvency ranks better than 84% of 4622 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

67 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability34

Solvency97

Growth-

Track record67

Bankruptcy probability, 12 months

1.8% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days acceptable

Liquidity ample (current ratio 3.29; short-term debt: 27.7% and cash: 90.9% of total assets), and 27.7% 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

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate region

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

KBO · registered office

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

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

72.3%

Return on assets

-1.5%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-07-2026, 14 days ahead of the deadline.

NBB · 1 filing

Deviation from the deadline

2025

14 d early

← before the deadline after the 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

€23k

Total assets

€32k

Net result

€-471

Working capital

€20k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €32k

90.9%

Fixed assets €3k

Current assets €29k

Equity and liabilities €32k

72.3%

27.7%

Equity €23k

Debt €9k

Debt finances 27.7% of the balance-sheet total.

Key figures and ratios

2025 value

Solvency

72.3%

Current ratio

3.29

Quick ratio

3.29

Debt / equity

0.38

ROE

-2.1%

ROA

-1.5%

Debt

€9k

Debt ≤ 1 year

€9k

Staff costs

€3k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€32k

Fixed assets21/28€3k

Financial fixed assets28€3k

Current assets29/58€29k

Cash at bank and in hand54/58€29k

Equity and liabilities

Total equity and liabilities10/49€32k

Equity10/15€23k

Contributions10/11€30k

Profit (loss) carried forward14€-7k

Amounts payable17/49€9k

Amounts payable within one year42/48€9k

Trade debts44€2k

Suppliers440/4€2k

Taxes, remuneration and social security45€6k

Taxes450/3€6k

Remuneration and social security454/9€607

Other amounts payable47/48€32

Income statement Code2025

Remuneration, social security and pensions62€3k

Gross operating margin9900€2k

Operating profit (loss)9901€-352

Financial charges65/66B€119

Recurring financial charges65€119

Profit (loss) for the period before taxes9903€-471

Profit (loss) for the period9904€-471

Profit (loss) for the period to be appropriated9905€-471

Appropriation of the result

Profit (loss) to be appropriated9906€-7k

Profit (loss) brought forward from the previous period14P€-7k

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2026

17-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

NBB filing

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, Elsene · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Waverse Steenweg 2491050 Elsene

Ground area

1,245 m²

Building footprint

157 m²

Volume, LiDAR

2,381 m³

Parcel 21442A0070/00V006, Brussels · tallest building 17.4 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

ZEN & HARMONIE

Waverse Steenweg 249, 1050 ElseneBeauty treatment

since 20242.369.646.850

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21442A0070/00V006 ProtectedArchitectural ensemble · Site or landscapeDe Oeuvre du Calvaire, de tuin en de geplaveide, met lindebomen omzoomde, dreefSource ↗	Brussels	1,245 m²	1 · 157 m²	17.4 m · 5 fl.