Zeora
ActiveZeora has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €455k and a net result of €91k. Equity is growing by ~23.1% per year across the filed fiscal years. Its solvency ranks better than 90% of 16759 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+29
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 11.6 against 10.9 in 2024), and 8.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · 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
91.5%
Return on assets
18.3%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-03-2026, 38 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
38 d early
2024
33 d early
2023
41 d early
2022
40 d early
2021
30 d early
2020
28 d early
2019
14 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
09-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€455k▲ 15.0%
2024 · €396k
2018: €76k
2019: €93k
2020: €155k
2021: €230k
2022: €260k
2023: €341k
2024: €396k
2018 → 2025
Total assets
€497k▲ 14.1%
2024 · €436k
2018: €112k
2019: €133k
2020: €233k
2021: €301k
2022: €399k
2023: €420k
2024: €436k
2018 → 2025
Net result
€91k▲ 61.4%
2024 · €56k
2018: €14k
2019: €17k
2020: €62k
2021: €85k
2022: €89k
2023: €87k
2024: €56k
2018 → 2025
Working capital
€447k▲ 12.9%
2024 · €396k
2018: €77k
2019: €93k
2020: €155k
2021: €231k
2022: €260k
2023: €341k
2024: €396k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€230k-€260k▲ 13.0%€341k▲ 31.2%€396k▲ 16.1%€455k▲ 15.0%
Operating result€115k-€127k▲ 10.0%€122k▼ 3.7%€80k▼ 34.5%€129k▲ 61.2%
Net result€85k-€89k▲ 5.1%€87k▼ 2.2%€56k▼ 35.2%€91k▲ 61.4%
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 61% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €497k
Fixed assets
€8k
Current assets
€489k
Equity and liabilities €497k
Equity
€455k▲ 15.0%
Debt
€42k▲ 5.4%
The debt ratio falls from 9.2% to 8.5%: equity grows faster than debt.
Key figures and ratios
EBITDA
€130k
Cash flow
€92k
Solvency
91.5%▲
2024 · 90.8%
Current ratio
11.60▲
2024 · 10.90
Quick ratio
11.60▲
2024 · 10.90
Debt / equity
0.09▼
2024 · 0.10
ROE
20.0%▲
2024 · 14.2%
ROA
18.3%▲
2024 · 12.9%
Interest coverage
187.81
Debt
€42k▲
2024 · €40k
Debt ≤ 1 year
€42k▲
2024 · €40k
Income taxes
€37k▲
2024 · €23k
Staff costs
€38k▲
2024 · €30k
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€436k€497k▲
Fixed assets21/28-€8k
Tangible fixed assets22/27-€8k
Land and buildings22-€8k
Current assets29/58€436k€489k▲
Amounts receivable after more than one year29€373k€373k=
Trade receivables290€373k€373k=
Amounts receivable within one year40/41€57k€57k▼
Trade receivables40€52k€57k▲
Other amounts receivable41€5k€67▼
Current investments50/53€2k€2k=
Cash at bank and in hand54/58€4k€57k▲
Equity and liabilities
Total equity and liabilities10/49€436k€497k▲
Equity10/15€396k€455k▲
Contributions10/11€14k€12k▼
Reserves13€382k€443k▲
Distributable reserves133€382k€443k▲
Amounts payable17/49€40k€42k▲
Amounts payable within one year42/48€40k€42k▲
Financial debts43€224€109▼
Credit institutions430/8€224€109▼
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€36k€34k▼
Taxes450/3€32k€26k▼
Remuneration and social security454/9€4k€8k▲
Other amounts payable47/48€1k€5k▲
Income statement
Code20242025
Remuneration, social security and pensions62€30k€38k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€1k
Other operating charges640/8€1k€1k▲
Gross operating margin9900€111k€169k▲
Operating profit (loss)9901€80k€129k▲
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€890€691▼
Recurring financial charges65€890€691▼
Profit (loss) for the period before taxes9903€79k€128k▲
Income taxes67/77€23k€37k▲
Profit (loss) for the period9904€56k€91k▲
Profit (loss) for the period to be appropriated9905€56k€91k▲
Appropriation of the result
Profit (loss) to be appropriated9906€56k€91k▲
Transfer from equity791/2-€30k
Transfer to equity691/2€55k€90k▲
To other reserves6921€55k€90k▲
Profit to be distributed694/7€1k€32k▲
Return on contributions (dividend)694-€30k
Directors or managers695€1k€1k▼
The notes to these accounts (7 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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €91k ▲61.4%
Operating result €129k, net result €91k, both a record.
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Liquidity doublescurrent ratio 10.90
Current ratio from 5.28 to 10.90; short-term debt falls from €80k to €40k.
20-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €200kEq €230k ▲48.7%
4 profitable years in a row build equity to €230k.
02-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €150kEq €155k ▲66.4%
3 profitable years in a row build equity to €155k.
16-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
03-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2024
SANCHES DA COSTA TEIXEIRA José
CurrentNon-statutory director · since 18-07-2024
18-07-2024
Appointed as Non-statutory director
Not every act has been read: a resignation may be missing here
3 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Sint-Martens-Latem · 1 establishment unit since 2016
Ground area
1,030 m²
Building footprint
174 m²
Volume, LiDAR
947 m³
Parcel 44064B0918/00G002, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Zeora
since 20162.256.092.514
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44064B0918/00G002 | Flanders | 1,030 m² | 1 · 174 m² | 9.0 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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Of 29,866 companies in sector 62200 we hold annual accounts for 18,318. 12,318 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-09-2016
Fiscal year end30-09
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.