ZERO HUMIDITE
ActiveThe computed 12-month bankruptcy probability of ZERO HUMIDITE is 2.4% (moderate). The 2025 annual accounts show equity of €30k and a net result of €26k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 27619 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+7
Solvency46▲+18
Growth78▲+20
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 1.03 in 2024; short-term debt: 78.8% and cash: 37% of total assets), and 78.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
21.2%
Return on assets
18.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 27619 sector peers (2025).
NBB · sector comparisonPosition among 27619 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-09-2026, 46 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
46 d late
2024
47 d late
2023
92 d late
2022
37 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€30k▲ 613%
2024 · €4k
2022: €5k
2023: €-4k
2024: €4k
2022 → 2025
Total assets
€141k▼ 0.9%
2024 · €142k
2022: €24k
2023: €54k
2024: €142k
2022 → 2025
Net result
€26k▲ 212%
2024 · €8k
2022: €3k
2023: €-9k
2024: €8k
2022 → 2025
Working capital
€30k▲ 613%
2024 · €4k
2022: €4k
2023: €-4k
2024: €4k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€5k-€-4k€4k€30k▲ 613%
Operating result€3k-€-9k€9k€33k▲ 285%
Net result€3k-€-9k€8k€26k▲ 212%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 285% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €141k
Equity
€30k▲ 613%
Debt
€111k▼ 19.5%
The debt ratio falls from 97.0% to 78.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
21.2%▲
2024 · 3.0%
Current ratio
1.27▲
2024 · 1.03
Quick ratio
1.27▲
2024 · 1.03
Debt / equity
3.71▼
2024 · 32.85
ROE
86.0%▼
2024 · 196.5%
ROA
18.3%▲
2024 · 5.8%
Debt
€111k▼
2024 · €138k
Debt ≤ 1 year
€111k▼
2024 · €138k
Income taxes
€7k
Staff costs
€5k
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€142k€141k▼
Current assets29/58€142k€141k▼
Amounts receivable within one year40/41€131k€88k▼
Trade receivables40€123k€70k▼
Other amounts receivable41€8k€18k▲
Cash at bank and in hand54/58€11k€52k▲
Deferred charges and accrued income490/1-€713
Equity and liabilities
Total equity and liabilities10/49€142k€141k▼
Equity10/15€4k€30k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€2k€27k▲
Amounts payable17/49€138k€111k▼
Amounts payable within one year42/48€138k€111k▼
Trade debts44€138k€94k▼
Suppliers440/4€138k€94k▼
Taxes, remuneration and social security45-€10k
Taxes450/3-€7k
Remuneration and social security454/9-€2k
Other amounts payable47/48-€7k
Income statement
Code20242025
Remuneration, social security and pensions62-€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€343-
Other operating charges640/8€63€478▲
Gross operating margin9900€9k€39k▲
Operating profit (loss)9901€9k€33k▲
Financial income75/76B€2€358▲
Recurring financial income75€2€358▲
Financial charges65/66B€364€409▲
Recurring financial charges65€364€409▲
Profit (loss) for the period before taxes9903€8k€33k▲
Income taxes67/77-€7k
Profit (loss) for the period9904€8k€26k▲
Profit (loss) for the period to be appropriated9905€8k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€27k▲
Profit (loss) brought forward from the previous period14P€-7k€2k▲
The notes to these accounts (3 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
15-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 46 days late
2025
31-12
Financial
Highest result since 2022net €26k ▲212%
Operating result €33k, net result €26k, both a record.
16-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 47 days late
2024
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
31-12
Financial
Weakest financial yearnet €-9k ▼444%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
06-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 37 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Liège · 1 establishment unit since 2025
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.
Rue du Charbonnage 64020 LiègeGround area
350 m²
Parcel 62113B0192/00T000, Wallonia. Linked by address, not a title deed.
1 establishment unit
ZERO HUMIDITE
since 20252.380.479.869
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62113B0192/00T000 | Wallonia | 350 m² | - | - |
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
OVLUX BOUW
BE 0769.517.232
Oudergem · Eq €30k
Cedhabitat
BE 1029.375.183
Ohey · Eq €30k
Transformation, Etude et Rénovation
BE 0652.625.896
Sambreville · Eq €30k
DEBRAVER PROJECTS
BE 0818.181.835
Menen · Eq €30k
Izoya
BE 0743.584.974
Houthalen-Helchteren · Eq €30k
Of 4,267 companies in sector 43230 we hold annual accounts for 1,240. 951 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-09-2021
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
43421Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.