ZENIT BUSINESS INTELLIGENCE
ActiveSummary
ZENIT BUSINESS INTELLIGENCE has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €104k and a net result of €24k. Equity is shrinking by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 89% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 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
Profitability95▼-2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 9.67 against 14.19 in 2024; short-term debt: 9% and cash: 40.4% of total assets), and 9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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 · 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
91%
Return on assets
21.1%
Age of the figures
9 mo
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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
32 d early
2023
29 d early
2022
28 d early
2021
37 d early
2020
32 d early
2019
31 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€104k▼ 3.6%
2024 · €108k
2018: €104k
2019: €131k
2020: €114k
2021: €131k
2022: €117k
2023: €83k
2024: €108k
2018 → 2025
Total assets
€115k▼ 1.0%
2024 · €116k
2018: €131k
2019: €164k
2020: €142k
2021: €151k
2022: €136k
2023: €96k
2024: €116k
2018 → 2025
Net result
€24k▼ 6.4%
2024 · €26k
2018: €1k
2019: €28k
2020: €16k
2021: €20k
2022: €21k
2023: €1k
2024: €26k
2018 → 2025
Working capital
€89k▼ 10.5%
2024 · €99k
2018: €100k
2019: €124k
2020: €107k
2021: €115k
2022: €103k
2023: €73k
2024: €99k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€131k-€117k▼ 10.7%€83k▼ 29.1%€108k▲ 30.0%€104k▼ 3.6%
Operating result€30k-€34k▲ 13.3%€50k▲ 46.4%€39k▼ 22.6%€34k▼ 13.3%
Net result€20k-€21k▲ 4.9%€1k▼ 93.1%€26k▲ 1,657%€24k▼ 6.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €115k
Fixed assets
€15k ▲ 75.2%
Current assets
€99k ▼ 7.2%
Equity and liabilities €115k
Equity
€104k ▼ 3.6%
Debt
€10k ▲ 36.1%
Debt's share of the balance-sheet total rises from 6.5% to 9.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€38k▼
2024 · €42k
Cash flow
€28k▼
2024 · €29k
Current ratio
9.67▼
2024 · 14.19
Debt to equity
0.10▲
2024 · 0.07
ROE
23.2%▼
2024 · 23.8%
ROA
21.1%▼
2024 · 22.3%
Interest coverage
66.29▲
2024 · 55.63
Debt ≤ 1 year
€10k▲
2024 · €8k
Income taxes
€12k▼
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€116k€115k▼
Fixed assets21/28€9k€15k▲
Tangible fixed assets22/27€9k€15k▲
Plant, machinery and equipment23€2k€9k▲
Furniture and vehicles24-€1k
Other tangible fixed assets26€7k€5k▼
Current assets29/58€107k€99k▼
Amounts receivable within one year40/41€47k€22k▼
Trade receivables40€40k€19k▼
Other amounts receivable41€8k€3k▼
Current investments50/53€30k€30k=
Cash at bank and in hand54/58€30k€46k▲
Deferred charges and accrued income490/1€314€952▲
Equity and liabilities
Total equity and liabilities10/49€116k€115k▼
Equity10/15€108k€104k▼
Reserves13€108k€104k▼
Distributable reserves133€108k€104k▼
Amounts payable17/49€8k€10k▲
Amounts payable within one year42/48€8k€10k▲
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48€833€3k▲
Income statement
Code20242025
Non-recurring operating income76A-€7k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€7k€2k▼
Non-recurring operating charges66A-€530
Gross operating margin9900€49k€40k▼
Operating profit (loss)9901€39k€34k▼
Financial income75/76B€0€3k▲
Recurring financial income75€0€3k▲
Financial charges65/66B€762€570▼
Recurring financial charges65€762€570▼
Profit (loss) for the period before taxes9903€38k€36k▼
Income taxes67/77€12k€12k▼
Profit (loss) for the period9904€26k€24k▼
Profit (loss) for the period to be appropriated9905€26k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€24k▼
Transfer from equity791/2-€27k
Transfer to equity691/2€25k€23k▼
To other reserves6921€25k€23k▼
Profit to be distributed694/7€833€28k▲
Return on contributions (dividend)694€833€28k▲
The notes to these accounts (6 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
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 14.19
Current ratio from 6.65 to 14.19; short-term debt falls from €13k to €8k.
31-12
Financial
Equity above €100kEq €108k ▲30%
7 profitable years in a row build equity to €108k.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €28k ▲1990%
Net result €28k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 13.95
Current ratio from 4.77 to 13.95; short-term debt falls from €26k to €10k.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Herent · 1 establishment unit since 2002
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.
Marcel Vanbellingenstraat 33020 HerentGround area
4,158 m²
Building footprint
67 m²
Parcel 24111E0711/00A000, Flanders · tallest building 0.2 m. Linked by address, not a title deed.
1 establishment unit
Marcel Vanbellingenstraat 3, 3020 Herent
since 20022.115.438.554
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24111E0711/00A000 | Flanders | 4,158 m² | 1 · 67 m² | 0.1 m |
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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 659 EUR awarded · 659 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 659 EUR | 659 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
254900DG7YXL7TVINT68
Similar companies · same sector, comparable size
ALTA Consult
BE 1010.696.052
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HANSOME SOLUTIONS
BE 0786.251.118
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SANAE CO
BE 1011.340.014
Waterloo · Eq €104,224
SMARTEFACT
BE 0753.603.589
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CODEQUANTUM
BE 0776.521.820
Juprelle · Eq €104,299
Of 16,884 companies in sector 62100 we hold annual accounts for 8,775. 6,948 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-09-2002
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.