Summary
ZETT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €85,056 and a net result of €50,497. Equity is growing by ~124.5% per year across the filed fiscal years. Its solvency ranks better than 20% of 5585 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 5585 sector peers (2025).
NBB · sector comparisonPosition among 5585 sector peers
Solvency
better than 20%
← 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 30-08-2026, 30 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
30 d late
2024
29 d late
2023
29 d late
2022
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 30 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 30 August (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€85,056▲ 146%
2024 · €34,558
Net result
€50,497▲ 114%
2024 · €23,623
Total assets
€465,040▲ 46.0%
2024 · €318,417
Solvency
18.3%▲ 7.4pp
2024 · 10.9%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€4,709-€1,529▼ 67.5%€32,688▲ 2,038%€68,212▲ 109%
Net result€3,406below the sector's middle half-€1,030below the sector's middle half▼ 69.7%€23,623within the sector's middle half▲ 2,193%€50,497within the sector's middle half▲ 114%
Equity€9,906below the sector's middle half-€10,936below the sector's middle half▲ 10.4%€34,558below the sector's middle half▲ 216%€85,056below the sector's middle half▲ 146%
Total assets€152,965below the sector's middle half-€215,379below the sector's middle half▲ 40.8%€318,417below the sector's middle half▲ 47.8%€465,040below the sector's middle half▲ 46.0%
Debt€143,060-€204,443▲ 42.9%€283,859▲ 38.8%€379,984▲ 33.9%
Working capital-€70,094within the sector's middle half--€72,721within the sector's middle half▼ 3.7%-€47,683within the sector's middle half▲ 34.4%€3,447within the sector's middle half
Solvency6.5%below the sector's middle half-5.1%below the sector's middle half▼ 1.4pp10.9%below the sector's middle half▲ 5.8pp18.3%below the sector's middle half▲ 7.4pp
Current ratio0.51within the sector's middle half-0.64within the sector's middle half▲ 0.130.83within the sector's middle half▲ 0.191.01within the sector's middle half▲ 0.18
Return on assets (ROA)2.2%within the sector's middle half-0.5%within the sector's middle half▼ 1.7pp7.4%within the sector's middle half▲ 6.9pp10.9%within the sector's middle half▲ 3.4pp
Staff (FTE)0.1below the sector's middle half-0.2within the sector's middle half▲ 100%0.2within the sector's middle half=0.3within the sector's middle half▲ 50.0%
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated 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 109% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €465,040
Fixed assets
€81,609 ▼ 0.8%
Current assets
€383,431 ▲ 62.3%
Equity and liabilities €465,040
Equity
€85,056 ▲ 146%
Debt
€379,984 ▲ 33.9%
Debt's share of the balance-sheet total falls from 89.1% to 81.7%. Equity and debt are higher.
Key figures and ratios
ROE
59.4%▼
2024 · 68.4%
Debt ≤ 1 year
€379,984▲
2024 · €283,859
Income taxes
€17,644▲
2024 · €8,969
Staff costs
€8,866▲
2024 · €6,473
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €1,505 | €7,208 | €6,473 | €8,866 | ▲ 37.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,780 | €590 | €1,416 | €1,500 | ▲ 5.9% |
| Other operating charges640/8 | - | - | €62 | €62 | = |
| Gross operating margin9900 | €9,994 | €9,327 | €40,638 | €78,640 | ▲ 93.5% |
| Operating profit (loss)9901 | €4,709 | €1,529 | €32,688 | €68,212 | ▲ 109% |
| Financial charges65/66B | €63 | €69 | €96 | €71 | ▼ 25.8% |
| Recurring financial charges65 | €63 | €69 | €96 | €71 | ▼ 25.8% |
| Profit (loss) for the period before taxes9903 | €4,645 | €1,460 | €32,592 | €68,141 | ▲ 109% |
| Income taxes67/77 | €1,240 | €430 | €8,969 | €17,644 | ▲ 96.7% |
| Profit (loss) for the period9904 | €3,406 | €1,030 | €23,623 | €50,497 | ▲ 114% |
| Profit (loss) for the period to be appropriated9905 | €3,406 | €1,030 | €23,623 | €50,497 | ▲ 114% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €152,965 | €215,379 | €318,417 | €465,040 | ▲ 46.0% |
| Fixed assets21/28 | €80,000 | €83,657 | €82,241 | €81,609 | ▼ 0.8% |
| Tangible fixed assets22/27 | - | €3,657 | €2,241 | €1,609 | ▼ 28.2% |
| Plant, machinery and equipment23 | - | €3,657 | €2,241 | €1,609 | ▼ 28.2% |
| Financial fixed assets28 | €80,000 | €80,000 | €80,000 | €80,000 | = |
| Current assets29/58 | €72,965 | €131,722 | €236,176 | €383,431 | ▲ 62.3% |
| Amounts receivable within one year40/41 | €67,238 | €128,895 | €234,569 | €381,394 | ▲ 62.6% |
| Trade receivables40 | €67,238 | €127,896 | €233,377 | €379,602 | ▲ 62.7% |
| Other amounts receivable41 | - | €1,000 | €1,192 | €1,792 | ▲ 50.4% |
| Cash at bank and in hand54/58 | €5,727 | €2,827 | €1,607 | €2,036 | ▲ 26.8% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €152,965 | €215,379 | €318,417 | €465,040 | ▲ 46.0% |
| Equity10/15 | €9,906 | €10,936 | €34,558 | €85,056 | ▲ 146% |
| Contributions10/11 | €6,500 | €6,500 | €6,500 | €6,500 | = |
| Profit (loss) carried forward14 | €3,406 | €4,436 | €28,058 | €78,556 | ▲ 180% |
| Amounts payable17/49 | €143,060 | €204,443 | €283,859 | €379,984 | ▲ 33.9% |
| Amounts payable within one year42/48 | €143,060 | €204,443 | €283,859 | €379,984 | ▲ 33.9% |
| Trade debts44 | €5,850 | €3,016 | €3,007 | €4,275 | ▲ 42.2% |
| Suppliers440/4 | €5,850 | €3,016 | €3,007 | €4,275 | ▲ 42.2% |
| Taxes, remuneration and social security45 | €3,742 | €5,157 | €12,432 | €29,929 | ▲ 141% |
| Taxes450/3 | €1,240 | €1,670 | €9,048 | €26,691 | ▲ 195% |
| Remuneration and social security454/9 | €2,502 | €3,487 | €3,385 | €3,238 | ▼ 4.4% |
| Other amounts payable47/48 | €133,468 | €196,270 | €268,420 | €345,780 | ▲ 28.8% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,406 | €1,030 | €23,623 | €50,497 | ▲ 114% |
| + Depreciation and write-downs630 | €3,780 | €590 | €1,416 | €1,500 | ▲ 5.9% |
| Operating cash flow (approximation) | €7,186 | €1,620 | €25,038 | €51,997 | ▲ 108% |
| Investment in fixed assets (approximation) | - | -€4,247 | €0 | -€867 | - |
| Change in cash | - | -€2,900 | -€1,220 | €430 | ▲ 135% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
2025
31-12
Financial
Highest result since 2022net €50,497 ▲114%
Operating result €68,212, net result €50,497, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €1,030 ▼69.7%
Net result drops to €1,030, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Maasmechelen · 1 establishment unit since 2022
Ground area
799 m²
Building footprint
132 m²
Volume, LiDAR
554 m³
Parcel 73013C1087/00A000, Flanders · tallest building 8.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ZETT
since 20222.330.288.408
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73013C1087/00A000indicative | Flanders | 799 m² | 1 · 132 m² | 8.7 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
10.75%
According to the 2025 annual accounts of ZETT and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 11,940 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-01-2022
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
63910Web portal activities
68110Buying and selling of own real estate
85599Other education
E-invoicing
Reachable via Peppol
Peppol ID
0208:0780337779
Also
9925:BE0780337779
Registered
18-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.