ZENOMA
ActiveThe computed 12-month bankruptcy probability of ZENOMA is 3.0% (moderate). The 2025 annual accounts show equity of €105k and a net result of €21k. Equity is growing by ~33.3% per year across the filed fiscal years. Its solvency ranks better than 77% of 13071 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
100
/ 100
Excellent▲ +12 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▼-2
Solvency97▲+14
Growth52=
Stability100
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.93 against 1.38 in 2024), and 37.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
62.6%
Return on assets
12.3%
Age of the figures
8 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 20-05-2026, 72 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
72 d early
2024
50 d early
2023
23 d early
2022
28 d late
2021
23 d late
2020
20 d late
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€105k▲ 24.4%
2024 · €85k
2020: €31k
2021: €31k
2022: €40k
2023: €67k
2024: €85k
2020 → 2025
Total assets
€168k▲ 5.4%
2024 · €160k
2020: €106k
2021: €121k
2022: €128k
2023: €160k
2024: €160k
2020 → 2025
Net result
€21k▲ 15.1%
2024 · €18k
2020: €26k
2021: €588
2022: €8k
2023: €27k
2024: €18k
2020 → 2025
Working capital
€58k▲ 111%
2024 · €28k
2020: €-20k
2021: €-30k
2022: €-30k
2023: €13k
2024: €28k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€40k▲ 26.5%€67k▲ 67.8%€85k▲ 26.9%€105k▲ 24.4%
Operating result€-4k-€13k€34k▲ 169%€23k▼ 33.1%€26k▲ 15.0%
Net result€588-€8k▲ 1,316%€27k▲ 224%€18k▼ 33.5%€21k▲ 15.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 15% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €168k
Fixed assets
€47k▼ 20.2%
Current assets
€121k▲ 20.3%
Equity and liabilities €168k
Equity
€105k▲ 24.4%
Debt
€63k▼ 16.0%
The debt ratio falls from 46.9% to 37.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€38k▼
2024 · €39k
Cash flow
€33k▼
2024 · €34k
Solvency
62.6%▲
2024 · 53.1%
Current ratio
1.93▲
2024 · 1.38
Quick ratio
1.87▲
2024 · 1.33
Debt / equity
0.60▼
2024 · 0.88
ROE
19.6%▼
2024 · 21.2%
ROA
12.3%▲
2024 · 11.2%
Interest coverage
431.27▼
2024 · 602.96
Debt
€63k▼
2024 · €75k
Debt ≤ 1 year
€63k▼
2024 · €73k
Income taxes
€5k▲
2024 · €5k
Staff costs
€62k▲
2024 · €59k
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€160k€168k▲
Fixed assets21/28€59k€47k▼
Tangible fixed assets22/27€59k€47k▼
Plant, machinery and equipment23€59k€47k▼
Current assets29/58€101k€121k▲
Stocks and contracts in progress3€3k€4k▲
Stocks30/36€3k€4k▲
Amounts receivable within one year40/41€18k€13k▼
Other amounts receivable41€18k€13k▼
Cash at bank and in hand54/58€79k€105k▲
Equity and liabilities
Total equity and liabilities10/49€160k€168k▲
Equity10/15€85k€105k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€80k€100k▲
Amounts payable17/49€75k€63k▼
Amounts payable within one year42/48€73k€63k▼
Trade debts44€5k€5k▼
Suppliers440/4€5k€5k▼
Taxes, remuneration and social security45€13k€7k▼
Taxes450/3€9k€5k▼
Remuneration and social security454/9€4k€2k▼
Other amounts payable47/48€55k€51k▼
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Remuneration, social security and pensions62€59k€62k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€12k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€99k€102k▲
Operating profit (loss)9901€23k€26k▲
Financial charges65/66B€105€167▲
Recurring financial charges65€64€88▲
Non-recurring financial charges66B€41€78▲
Profit (loss) for the period before taxes9903€23k€26k▲
Income taxes67/77€5k€5k▲
Profit (loss) for the period9904€18k€21k▲
Profit (loss) for the period to be appropriated9905€18k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€80k€100k▲
Profit (loss) brought forward from the previous period14P€62k€80k▲
The notes to these accounts (4 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
20-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €105k ▲24.4%
6 profitable years in a row build equity to €105k.
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2020net €27k ▲224%
Operating result €34k, net result €27k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Weakest financial yearnet €588 ▼97.7%
Net result drops to €588, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Middelkerke · 1 establishment unit since 2020
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.
Hooilandstraat 378434 MiddelkerkeGround area
824 m²
Building footprint
351 m²
Volume, LiDAR
3,526 m³
2 parcels, Flanders · tallest building 16.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
TEAROOM CHAPLIN
since 20202.300.363.017
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35022A0132/00D002 | Flanders | 485 m² | 1 · 95 m² | 0.1 m |
| 35022A0073/00A003 | Flanders | 338 m² | 1 · 256 m² | 16.9 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMiddelkerke2.300.363.017
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RIGAS
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Elsene · Eq €105k
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Of 20,231 companies in sector 56111 we hold annual accounts for 11,313. 9,404 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-03-2020
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.