ZEPTO
ActiveZEPTO has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €869k and a net result of €162k. Equity is growing by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 94% of 16922 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▲+36
Solvency100=
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 8.81 against 3.5 in 2024), and 5.3% 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○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
94.7%
Return on assets
17.6%
Age of the figures
17 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
on the day
2022
on the day
2021
30 d late
2020
12 d late
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close14-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€869k▲ 22.8%
2024 · €708k
2019: €377k
2020: €478k
2021: €556k
2022: €640k
2023: €752k
2024: €708k
2019 → 2025
Total assets
€918k▲ 13.7%
2024 · €807k
2019: €699k
2020: €731k
2021: €734k
2022: €747k
2023: €898k
2024: €807k
2019 → 2025
Net result
€162k▲ 102%
2024 · €80k
2019: €84k
2020: €101k
2021: €78k
2022: €84k
2023: €112k
2024: €80k
2019 → 2025
Working capital
€292k▲ 76.9%
2024 · €165k
2019: €151k
2020: €214k
2021: €263k
2022: €295k
2023: €376k
2024: €165k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€556k-€640k▲ 15.2%€752k▲ 17.4%€708k▼ 5.9%€869k▲ 22.8%
Operating result€103k-€107k▲ 3.9%€153k▲ 42.8%€123k▼ 19.9%€239k▲ 94.5%
Net result€78k-€84k▲ 8.5%€112k▲ 32.3%€80k▼ 28.2%€162k▲ 102%
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 94% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €918k
Fixed assets
€589k▲ 2.2%
Current assets
€329k▲ 42.5%
Equity and liabilities €918k
Equity
€869k▲ 22.8%
Debt
€48k▼ 51.2%
The debt ratio falls from 12.3% to 5.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€281k▲
2024 · €169k
Cash flow
€204k▲
2024 · €127k
Solvency
94.7%▲
2024 · 87.7%
Current ratio
8.81▲
2024 · 3.50
Quick ratio
8.81▲
2024 · 3.50
Debt / equity
0.06▼
2024 · 0.14
ROE
18.6%▲
2024 · 11.3%
ROA
17.6%▲
2024 · 9.9%
Interest coverage
181.49▲
2024 · 43.06
Debt
€48k▼
2024 · €99k
Debt ≤ 1 year
€37k▼
2024 · €66k
Debt > 1 year
€11k▼
2024 · €33k
Income taxes
€75k▲
2024 · €39k
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€807k€918k▲
Fixed assets21/28€576k€589k▲
Tangible fixed assets22/27€377k€349k▼
Land and buildings22€300k€296k▼
Plant, machinery and equipment23€8k€6k▼
Furniture and vehicles24€68k€47k▼
Financial fixed assets28€199k€239k▲
Current assets29/58€231k€329k▲
Amounts receivable within one year40/41€193k€290k▲
Trade receivables40€179k€267k▲
Other amounts receivable41€14k€22k▲
Cash at bank and in hand54/58€39k€40k▲
Equity and liabilities
Total equity and liabilities10/49€807k€918k▲
Equity10/15€708k€869k▲
Contributions10/11€33k€33k=
Outside capital11€33k€33k=
Other1109/19€33k€33k=
Reserves13€675k€837k▲
Tax-exempt reserves132€10k€10k=
Distributable reserves133€665k€827k▲
Amounts payable17/49€99k€48k▼
Amounts payable after more than one year17€33k€11k▼
Financial debts170/4€33k€11k▼
Amounts payable within one year42/48€66k€37k▼
Current portion of amounts payable after more than one year42€45k€22k▼
Trade debts44€6k€71▼
Suppliers440/4€6k€71▼
Taxes, remuneration and social security45€9k€15k▲
Taxes450/3€9k€15k▲
Other amounts payable47/48€6k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€42k▼
Other operating charges640/8€5k€5k▼
Gross operating margin9900€174k€285k▲
Operating profit (loss)9901€123k€239k▲
Financial income75/76B€389-
Recurring financial income75€389-
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€119k€237k▲
Income taxes67/77€39k€75k▲
Profit (loss) for the period9904€80k€162k▲
Profit (loss) for the period to be appropriated9905€80k€162k▲
Appropriation of the result
Profit (loss) to be appropriated9906€80k€162k▲
Transfer to equity691/2€80k€162k▲
To other reserves6921€80k€162k▲
The notes to these accounts (13 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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €162k ▲102%
Operating result €239k, net result €162k, both a record.
31-03
Financial
Liquidity triplescurrent ratio 8.81
Current ratio from 3.50 to 8.81; short-term debt falls from €66k to €37k.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
31-03
Financial
Weakest financial yearnet €78k ▼22.9%
Net result drops to €78k, the lowest in the series; recovery starts the following year.
31-03
Financial
Equity above €500kEq €556k ▲16.3%
3 profitable years in a row build equity to €556k.
2020
12-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
03-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Maldegem · 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.
Rode Kruisstraat 49990 MaldegemGround area
669 m²
Building footprint
169 m²
Volume, LiDAR
600 m³
Parcel 43502D0368/00N000, Flanders · tallest building 5.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ZEPTO
since 20042.144.229.342
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43502D0368/00N000 | Flanders | 669 m² | 1 · 169 m² | 5.8 m · 1 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.
Similar companies · same sector, comparable size
2RIVERS
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DGENIOUS
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CONTRASTE DIGITAL
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CollectOnline
BE 0835.721.415
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We Connect Data
BE 0650.599.388
Grimbergen · Eq €874k
Of 16,811 companies in sector 62100 we hold annual accounts for 8,750. 4,387 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-11-2004
Fiscal year end31-03
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
64200Holdings
64210Activities of holding companies
74141
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
74142
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.