ZETTA
ActiveZETTA has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €952k and a net result of €-10k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 86% of 300 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability18▲+6
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 4.98 against 5.19 in 2024; short-term debt: 19.2% and cash: 12.3% of total assets), and 19.9% 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
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 · 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
80.1%
Return on assets
-0.8%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-10k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 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
11 d late
2024
29 d late
2023
1 d late
2022
31 d late
2021
26 d late
2020
30 d late
2019
31 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-10k▲ 84.7%
2024 · €-62k
2018: €6k
2019: €125k
2020: €94k
2021: €87k
2022: €155k
2023: €64k
2024: €-62k
2018 → 2025
Working capital
€910k▼ 0.4%
2024 · €914k
2018: €401k
2019: €508k
2020: €636k
2021: €722k
2022: €895k
2023: €968k
2024: €914k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€805k-€960k▲ 19.2%€1.02M▲ 6.7%€962k▼ 6.1%€952k▼ 1.0%
Operating result€71k-€135k▲ 89.6%€41k▼ 69.3%€-92k€-40k▲ 56.4%
Net result€87k-€155k▲ 76.7%€64k▼ 58.4%€-62k€-10k▲ 84.7%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €40k in 2025 against €92k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.19M
Fixed assets
€50k▼ 9.2%
Current assets
€1.14M▲ 0.6%
Equity and liabilities €1.19M
Equity
€952k▼ 1.0%
Debt
€237k▲ 5.1%
The debt ratio rises from 19.0% to 19.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-29k▲
2024 · €-80k
Cash flow
€2k▲
2024 · €-51k
Solvency
80.1%▼
2024 · 81.0%
Current ratio
4.98▼
2024 · 5.19
Quick ratio
4.98▼
2024 · 5.19
Debt / equity
0.25▲
2024 · 0.23
ROE
-1.0%▲
2024 · -6.5%
ROA
-0.8%▲
2024 · -5.2%
Interest coverage
-14.42▲
2024 · -30.40
Debt
€237k▲
2024 · €225k
Debt ≤ 1 year
€229k▲
2024 · €218k
Income taxes
€324▲
2024 · €196
Staff costs
€1.34M▲
2024 · €1.20M
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€1.19M€1.19M▲
Fixed assets21/28€55k€50k▼
Tangible fixed assets22/27€24k€19k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€6k€9k▲
Other tangible fixed assets26€18k€10k▼
Financial fixed assets28€31k€31k=
Current assets29/58€1.13M€1.14M▲
Amounts receivable after more than one year29€131k€119k▼
Other amounts receivable291€131k€119k▼
Amounts receivable within one year40/41€736k€839k▲
Trade receivables40€0€5k▲
Other amounts receivable41€736k€834k▲
Cash at bank and in hand54/58€163k€146k▼
Deferred charges and accrued income490/1€101k€35k▼
Equity and liabilities
Total equity and liabilities10/49€1.19M€1.19M▲
Equity10/15€962k€952k▼
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€942k€933k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€762k€762k=
Distributable reserves133€179k€170k▼
Profit (loss) carried forward14€742€227▼
Amounts payable17/49€225k€237k▲
Amounts payable within one year42/48€218k€229k▲
Financial debts43€21k€21k▼
Credit institutions430/8€21k€21k▼
Trade debts44€33k€11k▼
Suppliers440/4€33k€11k▼
Taxes, remuneration and social security45€164k€196k▲
Taxes450/3€3k€6k▲
Remuneration and social security454/9€161k€190k▲
Other amounts payable47/48€160€160=
Accrued charges and deferred income492/3€7k€8k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€1.20M€1.34M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Other operating charges640/8€7k€7k▼
Non-recurring operating charges66A€1k€1k▼
Gross operating margin9900€1.13M€1.32M▲
Operating profit (loss)9901€-92k€-40k▲
Financial income75/76B€32k€33k▲
Recurring financial income75€32k€33k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€-62k€-9k▲
Income taxes67/77€196€324▲
Profit (loss) for the period9904€-62k€-10k▲
Profit (loss) for the period to be appropriated9905€-62k€-10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-62k€-9k▲
Profit (loss) brought forward from the previous period14P€40€742▲
Transfer from equity791/2€63k€9k▼
Transfer to equity691/2€0-
To other reserves6921€0-
Social balance
Average headcount (FTE)908732.332.0▼
The notes to these accounts (14 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 11 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-62k ▼197%
Net result drops to €-62k, the lowest in the series; recovery starts the following year.
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 1 day late
2023
31-12
Financial
Equity above €1MEq €1.02M ▲6.7%
6 profitable years in a row build equity to €1.02M.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €155k ▲76.7%
Operating result €135k, net result €155k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 26 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
31-12
Financial
Equity above €500kEq €624k ▲25.2%
2 profitable years in a row build equity to €624k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 23 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Namur · 1 establishment unit since 2006
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.
Avenue Gouverneur Bovesse(JB) 175100 NamurGround area
551 m²
Building footprint
112 m²
Volume, LiDAR
2,236 m³
Parcel 92067B0795/00A000, Wallonia · tallest building 22.2 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
EKO SERVICES NAMUR
since 20062.153.448.401
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92067B0795/00A000 | Wallonia | 551 m² | 1 · 112 m² | 22.2 m · 7 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.
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Of 810 companies in sector 96910 we hold annual accounts for 618. 321 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCooperative company
Founded02-12-2004
Fiscal year end31-12
Activities, NACEBEL
81210General cleaning of buildings
96910Personal service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.