ZEST & Co
ActiveZEST & Co has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €31k. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 48% of 1526 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-9
Solvency56▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.97 against 0.8 in 2024; short-term debt: 69.4% and cash: 3.2% of total assets), and 69.4% 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 10
Relative position
BE, all sectors
reference
Sector 10
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
30.6%
Return on assets
9.8%
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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €96k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-09-2026, 47 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 · 10 filingsDeviation from the deadline
2025
47 d late
2024
54 d late
2023
50 d late
2022
31 d late
2021
26 d late
2020
89 d late
2019
112 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€96k▲ 47.5%
2024 · €65k
2018: €64k
2019: €108k
2020: €83k
2021: €80k
2022: €87k
2023: €85k
2024: €65k
2018 → 2025
Total assets
€313k▲ 43.6%
2024 · €218k
2018: €184k
2019: €208k
2020: €345k
2021: €277k
2022: €276k
2023: €300k
2024: €218k
2018 → 2025
Net result
€31k▼ 18.4%
2024 · €38k
2018: €14k
2019: €43k
2020: €-25k
2021: €-3k
2022: €7k
2023: €22k
2024: €38k
2018 → 2025
Working capital
€-7k▲ 76.1%
2024 · €-31k
2018: €-69k
2019: €32k
2020: €158k
2021: €-32k
2022: €-21k
2023: €-24k
2024: €-31k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€80k-€87k▲ 8.8%€85k▼ 3.0%€65k▼ 23.5%€96k▲ 47.5%
Operating result€-3k-€22k€40k▲ 78.8%€64k▲ 60.0%€63k▼ 2.8%
Net result€-3k-€7k€22k▲ 208%€38k▲ 72.6%€31k▼ 18.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €313k
Fixed assets
€103k▲ 4.1%
Current assets
€210k▲ 76.5%
Equity and liabilities €313k
Equity
€96k▲ 47.5%
Debt
€218k▲ 42.0%
The debt ratio falls from 70.2% to 69.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€66k▼
2024 · €66k
Cash flow
€34k▼
2024 · €40k
Solvency
30.6%▲
2024 · 29.8%
Current ratio
0.97▲
2024 · 0.80
Quick ratio
0.93▲
2024 · 0.76
Debt / equity
2.27▼
2024 · 2.36
ROE
32.2%▼
2024 · 58.2%
ROA
9.8%▼
2024 · 17.3%
Interest coverage
20.58▲
2024 · 13.47
Debt
€218k▲
2024 · €153k
Debt ≤ 1 year
€218k▲
2024 · €150k
Debt > 1 year
€0▼
2024 · €4k
Income taxes
€23k▲
2024 · €22k
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€218k€313k▲
Fixed assets21/28€99k€103k▲
Tangible fixed assets22/27€3k€10k▲
Plant, machinery and equipment23€271€1k▲
Furniture and vehicles24€3k€9k▲
Other tangible fixed assets26€0-
Financial fixed assets28€96k€93k▼
Current assets29/58€119k€210k▲
Stocks and contracts in progress3€6k€8k▲
Stocks30/36€6k€8k▲
Amounts receivable within one year40/41€112k€192k▲
Trade receivables40€0€22k▲
Other amounts receivable41€112k€170k▲
Cash at bank and in hand54/58€1k€10k▲
Equity and liabilities
Total equity and liabilities10/49€218k€313k▲
Equity10/15€65k€96k▲
Contributions10/11€6k€6k=
Reserves13€59k€90k▲
Distributable reserves133€59k€90k▲
Amounts payable17/49€153k€218k▲
Amounts payable after more than one year17€4k€0▼
Financial debts170/4€4k€0▼
Amounts payable within one year42/48€150k€218k▲
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€7k€7k▲
Suppliers440/4€7k€7k▲
Advances received on contracts in progress46€38k€115k▲
Taxes, remuneration and social security45€37k€31k▼
Taxes450/3€37k€31k▼
Remuneration and social security454/9€0€0=
Other amounts payable47/48€58k€53k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A€9k-
Gross operating margin9900€78k€68k▼
Operating profit (loss)9901€64k€63k▼
Financial income75/76B€0€6k▲
Recurring financial income75€0€6k▲
Financial charges65/66B€5k€15k▲
Recurring financial charges65€5k€3k▼
Non-recurring financial charges66B-€11k
Profit (loss) for the period before taxes9903€59k€54k▼
Income taxes67/77€22k€23k▲
Profit (loss) for the period9904€38k€31k▼
Profit (loss) for the period to be appropriated9905€38k€31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€31k▼
Transfer from equity791/2€58k-
Transfer to equity691/2€38k€31k▼
To other reserves6921€38k€31k▼
Profit to be distributed694/7€58k-
Return on contributions (dividend)694€58k-
The notes to these accounts (9 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
16-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 47 days late
19-08
State Gazette act
General meeting · Capital increase
Statutes amendment · Corporate purpose
2025
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 54 days late
2024
19-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 50 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
31-12
Financial
Weakest financial yearnet €-25k ▼157%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 5.02
Current ratio from 1.76 to 5.02; short-term debt falls from €42k to €39k.
20-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 112 days late
2019
31-12
Financial
Highest result since 2018net €43k ▲203%
Net result €43k, the highest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 1.76
Current ratio from 0.42 to 1.76; short-term debt falls from €120k to €42k.
31-12
Financial
Equity above €100kEq €108k ▲67.6%
2 profitable years in a row build equity to €108k.
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 69 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Antwerpen · 1 establishment unit since 2012
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.
Generaal Van Merlenstraat 462600 AntwerpenGround area
317 m²
Building footprint
44 m²
Volume, LiDAR
135 m³
Parcel 11302D1288/00P009, Flanders · tallest building 11.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ZEST & Co
since 20122.210.450.747
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11302D1288/00P009 | Flanders | 317 m² | 1 · 44 m² | 11.5 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Structure & network
Ownership & control
1 partyZEST & CoBE 0847.028.051
controls
Where this company holds controlthis company sits on their board1
1 location
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Of 611 companies in sector 10520 we hold annual accounts for 236. 194 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-07-2012
Fiscal year end31-12
Activities, NACEBEL
10520Manufacture of food products
46391Wholesale trade
47110Non-specialised retail sale with food, beverages or tobacco predominating
47111Retail trade
47210Retail sale of fruit and vegetables
47810Retail trade
73110Advertising agencies
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.