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Zéra

Active
Private limited companyfounded 20232 yrs activeLourdesstraat 89, 9041 Gent, BelgiumKBO/BCE: BE 1003.467.968
Summary

The computed 12-month bankruptcy probability of Zéra is 4.0% (elevated). The 2025 annual accounts show negative equity (-€16,936) and a net result of -€22,936. Its solvency ranks better than 11% of 18537 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability0
Solvency0
Growth-
Track record67
Bankruptcy probability, 12 months
4.0% Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 3.75; short-term debt: 21.7% and cash: 13.1% of total assets), but equity is negative.
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Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
-70.5%
Return on assets
-95.5%
Age of the figures
15 mo
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
on the day
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 15 December 2023, Zéra was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
-€16,936
Total assets
€24,027
Net result
-€22,936
Working capital
€14,375

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €24,027
Fixed assets €4,428
Current assets €19,599
Key figures and ratios
2025 value
EBITDA
-€20,685
Cash flow
-€21,223
Solvency
-70.5%
Current ratio
3.75
Quick ratio
0.98
Debt to equity
-2.42
ROA
-95.5%
Interest coverage
-36.23
Debt
€40,962
Debt ≤ 1 year
€5,224
Debt > 1 year
€35,738

Peer companies

Historical observation

Of the 7,663 companies that looked in July 2024 the way this one looks now, 8.2% went bankrupt within 24 months and 84% are still going.

  • Micro
  • 2 to 5 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
8.2% went bankrupt
5.4% stopped otherwise
84% still going

A further 2.0% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 4.0% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 7,663 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 36 lines
Balance sheet Code2025
Assets
Total assets20/58€24,027
Fixed assets21/28€4,428
Tangible fixed assets22/27€4,428
Plant, machinery and equipment23€1,966
Furniture and vehicles24€2,462
Current assets29/58€19,599
Stocks and contracts in progress3€14,468
Stocks30/36€14,468
Amounts receivable within one year40/41€844
Other amounts receivable41€844
Cash at bank and in hand54/58€3,159
Deferred charges and accrued income490/1€1,128
Equity and liabilities
Total equity and liabilities10/49€24,027
Equity10/15-€16,936
Contributions10/11€6,000
Profit (loss) carried forward14-€22,936
Amounts payable17/49€40,962
Amounts payable after more than one year17€35,738
Other amounts payable178/9€35,738
Amounts payable within one year42/48€5,224
Trade debts44€4,590
Suppliers440/4€4,590
Taxes, remuneration and social security45€634
Taxes450/3€634
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,713
Other operating charges640/8€505
Gross operating margin9900-€20,180
Operating profit (loss)9901-€22,398
Financial income75/76B€33
Recurring financial income75€33
Financial charges65/66B€571
Recurring financial charges65€571
Profit (loss) for the period before taxes9903-€22,936
Profit (loss) for the period9904-€22,936
Profit (loss) for the period to be appropriated9905-€22,936
Appropriation of the result
Profit (loss) to be appropriated9906-€22,936

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,713
Other operating charges640/8€505
Gross operating margin9900-€20,180
Operating profit (loss)9901-€22,398
Financial income75/76B€33
Recurring financial income75€33
Financial charges65/66B€571
Recurring financial charges65€571
Profit (loss) for the period before taxes9903-€22,936
Profit (loss) for the period9904-€22,936
Profit (loss) for the period to be appropriated9905-€22,936
Line2025
Assets
Total assets20/58€24,027
Fixed assets21/28€4,428
Tangible fixed assets22/27€4,428
Plant, machinery and equipment23€1,966
Furniture and vehicles24€2,462
Current assets29/58€19,599
Stocks and contracts in progress3€14,468
Stocks30/36€14,468
Amounts receivable within one year40/41€844
Other amounts receivable41€844
Cash at bank and in hand54/58€3,159
Deferred charges and accrued income490/1€1,128
Equity and liabilities
Total equity and liabilities10/49€24,027
Equity10/15-€16,936
Contributions10/11€6,000
Profit (loss) carried forward14-€22,936
Amounts payable17/49€40,962
Amounts payable after more than one year17€35,738
Other amounts payable178/9€35,738
Amounts payable within one year42/48€5,224
Trade debts44€4,590
Suppliers440/4€4,590
Taxes, remuneration and social security45€634
Taxes450/3€634
Line2025
Profit (loss) for the period9904-€22,936
+ Depreciation and write-downs630€1,713
Operating cash flow (approximation)-€21,223

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
31-01
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Gent · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
632 m²
Building footprint
158 m²
Volume, LiDAR
804 m³
Parcel 44051D0881/00A003, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Z�ra
Lourdesstraat 89, 9041 GentRetail trade
since 20232.353.251.672
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44051D0881/00A003 Flanders 632 m² 1 · 158 m² 10.6 m · 2 fl.
Linked by address, not proof of ownership
Good to know
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 · 2,000 EUR awarded · 2,000 EUR paid
Year Entries awardedpaid
2024 1 2,000 EUR2,000 EUR
Schemes
1 entry · 2,000 EUR · 2,000 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 2,215 companies in sector 47711 we hold annual accounts for 888. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded15-12-2023
Fiscal year end30-06
Activities, NACEBEL 2025
47711Retail sale of women's outerwear
47120Other non-specialised retail sale
47714Retail trade
47715Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
77224Rental and leasing activities
E-invoicing
Reachable via Peppol
Peppol ID 0208:1003467968
Also 9925:BE1003467968
Registered 01-04-2026

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.