ZEN LECOMTE
ActiveZEN LECOMTE has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7k and a net result of €902. Equity is shrinking by ~16% per year across the filed fiscal years. Its solvency ranks better than 43% of 18207 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-1
Solvency51▲+3
Growth58=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 €7k
neutral · Filed after the deadline
The financial year that closed on 31-07-2025 was due by 28-02-2026 and was filed on 11-03-2026, 11 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 · 10 filingsDeviation from the deadline
2025
11 d late
2024
59 d early
2023
31 d late
2022
6 d late
2021
62 d early
2020
3 d early
2019
121 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-07-2026 and is due by 28-02-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-07-2026 close21-09-2026 today28-02-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€7k▲ 16.0%
2024 · €6k
2019: €13k
2020: €12k
2021: €12k
2022: €8k
2023: €5k
2024: €6k
2019 → 2025
Total assets
€25k▲ 1.5%
2024 · €25k
2019: €43k
2020: €42k
2021: €41k
2022: €35k
2023: €25k
2024: €25k
2019 → 2025
Net result
€902▼ 4.8%
2024 · €948
2019: €-1k
2020: €-980
2021: €-756
2022: €-4k
2023: €-3k
2024: €948
2019 → 2025
Working capital
€-8k▲ 14.2%
2024 · €-10k
2019: €6k
2020: €-15k
2021: €-10k
2022: €-15k
2023: €-7k
2024: €-10k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€8k▼ 31.0%€5k▼ 41.9%€6k▲ 20.2%€7k▲ 16.0%
Operating result€-631-€-3k▼ 419%€-3k▲ 4.6%€2k€2k▼ 6.4%
Net result€-756-€-4k▼ 380%€-3k▲ 6.9%€948€902▼ 4.8%
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 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €25k
Fixed assets
€15k▼ 3.1%
Current assets
€10k▲ 8.8%
Equity and liabilities €25k
Equity
€7k▲ 16.0%
Debt
€19k▼ 2.8%
The debt ratio falls from 77.3% to 74.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€2k▼
2024 · €3k
Cash flow
€1k▼
2024 · €2k
Solvency
25.9%▲
2024 · 22.7%
Current ratio
0.55▲
2024 · 0.50
Quick ratio
0.55▲
2024 · 0.50
Debt / equity
2.86▼
2024 · 3.41
ROE
13.8%▼
2024 · 16.8%
ROA
3.6%▼
2024 · 3.8%
Interest coverage
11.13▼
2024 · 11.97
Debt
€19k▼
2024 · €19k
Debt ≤ 1 year
€19k▼
2024 · €19k
Income taxes
€773▼
2024 · €849
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€25k€25k▲
Fixed assets21/28€15k€15k▼
Tangible fixed assets22/27€15k€15k▼
Land and buildings22€15k€15k▼
Financial fixed assets28€30€30=
Current assets29/58€10k€10k▲
Amounts receivable within one year40/41€29€53▲
Other amounts receivable41€29€53▲
Cash at bank and in hand54/58€6k€7k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€25k€25k▲
Equity10/15€6k€7k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-15k€-14k▲
Amounts payable17/49€19k€19k▼
Amounts payable within one year42/48€19k€19k▼
Trade debts44€17€17=
Suppliers440/4€17€17=
Taxes, remuneration and social security45€2k€625▼
Taxes450/3€2k€625▼
Other amounts payable47/48€17k€18k▲
Accrued charges and deferred income492/3-€6
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€612€474▼
Other operating charges640/8€653€572▼
Gross operating margin9900€3k€3k▼
Operating profit (loss)9901€2k€2k▼
Financial charges65/66B€219€212▼
Recurring financial charges65€219€212▼
Profit (loss) for the period before taxes9903€2k€2k▼
Income taxes67/77€849€773▼
Profit (loss) for the period9904€948€902▼
Profit (loss) for the period to be appropriated9905€948€902▼
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-14k▲
Profit (loss) brought forward from the previous period14P€-16k€-15k▲
The notes to these accounts (5 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
11-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2024
31-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-07
Financial
Back to profitnet €948
Net result €948 after 5 loss-making years.
31-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
06-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 6 days late
2022
31-07
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
2021
28-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
25-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
28-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
24-11
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Mons · 1 establishment unit since 2004
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.
Avenue Wilson 5677012 MonsGround area
4,257 m²
Building footprint
3,748 m²
Volume, LiDAR
18,836 m³
Parcel 53043B0339/00S000, Wallonia · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ZEN
since 20042.135.024.339
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53043B0339/00S000 | Wallonia | 4,257 m² | 1 · 3,748 m² | 6.4 m · 2 fl. |
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.
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MADE IN MILANO
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Of 460 companies in sector 47712 we hold annual accounts for 269. 95 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2004
Fiscal year end31-07
Abbreviation FR
zen
Activities, NACEBEL
47712Retail trade
52422
47279Other retail sale of food
47299Retail trade
47552Retail sale of lighting equipment
47592Retail trade
47711Retail sale of women's outerwear
47722Retail trade
52272
52423
52442
Sources
Crossroads Bank for EnterprisesNational Bank · 22 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.