Zet37 Advice
ActiveSummary
Zet37 Advice has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €256k and a net result of €92k. Equity is growing by ~55.9% per year across the filed fiscal years. Its solvency ranks better than 75% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+4
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 4.31 against 2.93 in 2024; short-term debt: 20.9% and cash: 16.6% of total assets), and 20.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
79.1%
Return on assets
28.4%
Age of the figures
9 mo
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 17-02-2026, 164 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
164 d early
2024
42 d early
2023
26 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€256k▲ 56.0%
2024 · €164k
2023: €72k
2024: €164k
2023 → 2025
Total assets
€324k▲ 40.8%
2024 · €230k
2023: €143k
2024: €230k
2023 → 2025
Net result
€92k▲ 0.4%
2024 · €92k
2023: €52k
2024: €92k
2023 → 2025
Working capital
€224k▲ 80.9%
2024 · €124k
2023: €32k
2024: €124k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€72k-€164k▲ 126%€256k▲ 56.0%
Operating result€68k-€121k▲ 77.9%€112k▼ 6.8%
Net result€52k-€92k▲ 74.6%€92k▲ 0.4%
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 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €324k
Fixed assets
€32k ▼ 23.8%
Current assets
€292k ▲ 55.2%
Equity and liabilities €324k
Equity
€256k ▲ 56.0%
Debt
€68k ▲ 2.8%
Debt's share of the balance-sheet total falls from 28.7% to 20.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€125k▼
2024 · €133k
Cash flow
€105k▲
2024 · €104k
Current ratio
4.31▲
2024 · 2.93
Debt to equity
0.26▼
2024 · 0.40
ROE
35.9%▼
2024 · 55.8%
ROA
28.4%▼
2024 · 39.8%
Interest coverage
311.98▲
2024 · 49.96
Debt ≤ 1 year
€68k▲
2024 · €64k
Income taxes
€27k▼
2024 · €27k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€230k€324k▲
Fixed assets21/28€42k€32k▼
Tangible fixed assets22/27€42k€32k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€40k€31k▼
Current assets29/58€188k€292k▲
Amounts receivable within one year40/41€22k€89k▲
Trade receivables40€22k€22k▲
Other amounts receivable41-€67k
Current investments50/53€16k€147k▲
Cash at bank and in hand54/58€149k€54k▼
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€230k€324k▲
Equity10/15€164k€256k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€144k€236k▲
Amounts payable17/49€66k€68k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€64k€68k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€56k€67k▲
Taxes450/3€56k€67k▲
Other amounts payable47/48€6k€0▼
Accrued charges and deferred income492/3€2k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€13k▲
Other operating charges640/8€513€528▲
Non-recurring operating charges66A€424€191▼
Gross operating margin9900€134k€126k▼
Operating profit (loss)9901€121k€112k▼
Financial income75/76B€621€7k▲
Recurring financial income75€621€7k▲
Financial charges65/66B€3k€401▼
Recurring financial charges65€3k€401▼
Profit (loss) for the period before taxes9903€118k€118k=
Income taxes67/77€27k€27k▼
Profit (loss) for the period9904€92k€92k▲
Profit (loss) for the period to be appropriated9905€92k€92k▲
Appropriation of the result
Profit (loss) to be appropriated9906€144k€236k▲
Profit (loss) brought forward from the previous period14P€52k€144k▲
The notes to these accounts (5 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
17-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €92k ▲0.4%
Net result €92k, the highest in the series.
31-12
Financial
Equity above €200kEq €256k ▲56%
3 profitable years in a row build equity to €256k.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €164k ▲126%
2 profitable years in a row build equity to €164k.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Zwevegem · 1 establishment unit since 2023
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.
Rozendreef(Z) 388550 ZwevegemGround area
908 m²
Building footprint
276 m²
Volume, LiDAR
1,056 m³
Parcel 34042C0134/00R000, Flanders · tallest building 5.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Zet37 Advice
since 20232.343.392.019
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34042C0134/00R000 | Flanders | 908 m² | 1 · 276 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
SMT - VA
BE 0684.507.125
La Hulpe · Eq €255,792
INDELCO
BE 0462.906.764
Leuven · Eq €255,825
ECOBA
BE 0867.497.823
Vorst · Eq €255,771
De Rijcke Invest
BE 0734.669.090
Overijse · Eq €255,750
STCS
BE 0797.449.074
Gent · Eq €255,738
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 38,840 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-03-2023
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
51100Air transport
71121Engineering and related technical consultancy, excluding land surveyors
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.