ZERRIN
ActiveThe computed 12-month bankruptcy probability of ZERRIN is 1.5% (moderate). The 2025 annual accounts show equity of €121k and a net result of €16k. Equity is growing by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 73% of 27451 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+2
Solvency93▲+24
Growth85=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 3.43 against 1.94 in 2024; short-term debt: 25% and cash: 3% of total assets), and 31.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 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
68.5%
Return on assets
9.1%
Age of the figures
9 mo
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
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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
27 d late
2023
56 d late
2022
31 d late
2021
30 d late
2020
31 d late
2019
102 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€576k▲ 75.0%
2022 · €329k
2018: €146k
2019: €187k
2020: €260k
2021: €169k
2022: €329k
2018 → 2023
EBIT margin
1.2%▼ 5.1pp
2022 · 6.3%
2018: 18.1%
2019: 4.8%
2020: 9.3%
2021: 3.8%
2022: 6.3%
2018 → 2023
Net result
€16k▼ 7.9%
2024 · €17k
2018: €15k
2019: €5k
2020: €17k
2021: €4k
2022: €15k
2023: €886
2024: €17k
2018 → 2025
Working capital
€107k▲ 7.6%
2024 · €99k
2018: €47k
2019: €48k
2020: €58k
2021: €58k
2022: €54k
2023: €72k
2024: €99k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€169k-€329k▲ 94.6%€576k▲ 75.0%
Equity€72k-€86k▲ 19.2%€87k▲ 1.0%€105k▲ 20.0%€121k▲ 15.4%
Operating result€6k-€21k▲ 225%€7k▼ 66.9%€25k▲ 268%€23k▼ 8.6%
Net result€4k-€15k▲ 322%€886▼ 94.1%€17k▲ 1,869%€16k▼ 7.9%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €176k
Fixed assets
€25k▼ 19.1%
Current assets
€151k▼ 26.6%
Equity and liabilities €176k
Equity
€121k▲ 15.4%
Debt
€56k▼ 58.0%
The debt ratio falls from 55.8% to 31.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€35k▼
2024 · €38k
Cash flow
€28k▼
2024 · €30k
Solvency
68.5%▲
2024 · 44.2%
Current ratio
3.43▲
2024 · 1.94
Quick ratio
3.43▲
2024 · 1.94
Debt / equity
0.46▼
2024 · 1.26
ROE
13.3%▼
2024 · 16.7%
ROA
9.1%▲
2024 · 7.4%
Interest coverage
19.82▲
2024 · 17.25
Debt
€56k▼
2024 · €132k
Debt ≤ 1 year
€44k▼
2024 · €106k
Debt > 1 year
€12k▼
2024 · €26k
Income taxes
€6k▲
2024 · €6k
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€237k€176k▼
Fixed assets21/28€31k€25k▼
Tangible fixed assets22/27€23k€12k▼
Land and buildings22€12k€6k▼
Furniture and vehicles24€11k€6k▼
Financial fixed assets28€8k€13k▲
Current assets29/58€206k€151k▼
Amounts receivable within one year40/41€193k€146k▼
Trade receivables40€124k€75k▼
Other amounts receivable41€70k€71k▲
Cash at bank and in hand54/58€10k€5k▼
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€237k€176k▼
Equity10/15€105k€121k▲
Contributions10/11€100€100=
Outside capital11€100€100=
Other1109/19€100€100=
Reserves13€25k€25k=
Non-distributable reserves130/1€9k€9k=
Reserves not available under the articles1311€9k€9k=
Tax-exempt reserves132€16k€16k=
Profit (loss) carried forward14€79k€95k▲
Amounts payable17/49€132k€56k▼
Amounts payable after more than one year17€26k€12k▼
Financial debts170/4€26k€12k▼
Amounts payable within one year42/48€106k€44k▼
Trade debts44€100k€32k▼
Suppliers440/4€79k€32k▼
Bills of exchange payable441€21k-
Taxes, remuneration and social security45€6k€12k▲
Taxes450/3€6k€12k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€12k▼
Other operating charges640/8€17k€11k▼
Gross operating margin9900€55k€45k▼
Operating profit (loss)9901€25k€23k▼
Financial income75/76B€99€684▲
Recurring financial income75€99€684▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€23k€22k▼
Income taxes67/77€6k€6k▲
Profit (loss) for the period9904€17k€16k▼
Profit (loss) for the period to be appropriated9905€17k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€79k€95k▲
Profit (loss) brought forward from the previous period14P€62k€79k▲
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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Equity above €100kEq €105k ▲20%
7 profitable years in a row build equity to €105k.
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 56 days late
2023
31-12
Financial
Weakest financial yearnet €886 ▼94.1%
Net result drops to €886, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €17k ▲250%
Net result €17k, the highest in the series.
10-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 102 days late
2019
06-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 37 days late
2018
20-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 51 days late
2017
02-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 33 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Sint-Jans-Molenbeek · 1 establishment unit since 2015
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.
Louis Mettewielaan 561080 Sint-Jans-MolenbeekGround area
5,010 m²
Building footprint
707 m²
Volume, LiDAR
17,630 m³
2 parcels, Brussels · tallest building 30.1 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
ZERRIN
since 20152.246.504.756
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21524C0210/00C003 | Brussels | 4,797 m² | 1 · 534 m² | 30.1 m · 9 fl. |
| 21012A0078/00Z009 | Brussels | 213 m² | 1 · 173 m² | 25.7 m · 8 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.
Similar companies · same sector, comparable size
FAY’S
BE 0764.924.281
Charleroi · Eq €121k
JEAN-CLAUDE FOUCART
BE 0884.525.677
Lessines · Eq €120k
Entreprise Ligot Alain
BE 0885.410.951
Châtelet · Eq €120k
SACKMANN CONSTRUCT
BE 0743.865.383
Drogenbos · Eq €121k
TDC Consult
BE 0839.683.567
Lokeren · Eq €120k
Of 15,542 companies in sector 43990 we hold annual accounts for 7,421. 6,191 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-02-2014
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.