Zeven Troef
ActiveThe computed 12-month bankruptcy probability of Zeven Troef is 1.6% (moderate). The 2024 annual accounts show equity of €38k and a net result of €14k. Its solvency ranks better than 67% of 1852 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability88▼-12
Solvency66▼-15
Growth52
Track record94
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.5 against 1.57 in 2023; short-term debt: 42.4% and cash: 13% of total assets), and 58.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
41.5%
Return on assets
15%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-06-2025, 49 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
49 d early
2023
58 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€38k▲ 51.3%
2023 · €25k
2023: €25k
2023 → 2024
Total assets
€91k▲ 102%
2023 · €45k
2023: €45k
2023 → 2024
Net result
€14k▼ 34.4%
2023 · €21k
2023: €21k
2023 → 2024
Working capital
€-19k
2023 · €10k
2023: €10k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€25k-€38k▲ 51.3%
Operating result€30k-€21k▼ 28.1%
Net result€21k-€14k▼ 34.4%
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 2024; 2024 is 28% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €91k
Fixed assets
€72k▲ 320%
Current assets
€19k▼ 31.0%
Equity and liabilities €91k
Equity
€38k▲ 51.3%
Debt
€53k▲ 166%
The debt ratio rises from 44.5% to 58.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€31k▼
2023 · €33k
Cash flow
€23k▼
2023 · €24k
Solvency
41.5%▼
2023 · 55.5%
Current ratio
0.50▼
2023 · 1.57
Quick ratio
0.50▼
2023 · 1.57
Debt / equity
1.41▲
2023 · 0.80
ROE
36.2%▼
2023 · 83.3%
ROA
15.0%▼
2023 · 46.3%
Interest coverage
7.08▼
2023 · 10.20
Debt
€53k▲
2023 · €20k
Debt ≤ 1 year
€39k▲
2023 · €18k
Debt > 1 year
€12k
Income taxes
€3k▼
2023 · €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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€45k€91k▲
Fixed assets21/28€17k€72k▲
Tangible fixed assets22/27€17k€72k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€14k€42k▲
Other tangible fixed assets26€2k€29k▲
Current assets29/58€28k€19k▼
Amounts receivable within one year40/41€1k€6k▲
Trade receivables40€1k€2k▲
Other amounts receivable41-€5k
Cash at bank and in hand54/58€27k€12k▼
Deferred charges and accrued income490/1-€907
Equity and liabilities
Total equity and liabilities10/49€45k€91k▲
Equity10/15€25k€38k▲
Contributions10/11€5k€5k=
Reserves13€20k€33k▲
Distributable reserves133€20k€33k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€20k€53k▲
Amounts payable after more than one year17-€12k
Financial debts170/4-€12k
Amounts payable within one year42/48€18k€39k▲
Current portion of amounts payable after more than one year42-€4k
Trade debts44€6k€7k▲
Suppliers440/4€6k€7k▲
Advances received on contracts in progress46-€500
Taxes, remuneration and social security45€8k€5k▼
Taxes450/3€8k€5k▼
Other amounts payable47/48€4k€22k▲
Accrued charges and deferred income492/3€2k€3k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€10k▲
Other operating charges640/8€4k€3k▼
Gross operating margin9900€37k€34k▼
Operating profit (loss)9901€30k€21k▼
Financial income75/76B€55€82▲
Recurring financial income75€55€82▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€26k€17k▼
Income taxes67/77€6k€3k▼
Profit (loss) for the period9904€21k€14k▼
Profit (loss) for the period to be appropriated9905€21k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€14k▼
Transfer to equity691/2€20k€13k▼
To other reserves6921€20k€13k▼
Profit to be distributed694/7€833€859▲
Return on contributions (dividend)694€833€859▲
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
2025
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
NBB filing
Directors · office · real estate
Directors
2 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, Turnhout · 1 establishment unit since 2022
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.
Glazeniersstraat 372300 TurnhoutGround area
798 m²
Building footprint
256 m²
Volume, LiDAR
1,417 m³
Parcel 13452M0446/00H000, Flanders · tallest building 18.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B&B De Joker
since 20222.330.480.923
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13452M0446/00H000 | Flanders | 797 m² | 1 · 256 m² | 18.2 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteTurnhout2.330.480.923
Similar companies · same sector, comparable size
RESEARCH
BE 0425.175.942
Gavere · Eq €38k
Autobedrijf WALCAR
BE 0426.953.319
Wommelgem · Eq €38k
CHAMBRES d'O
BE 0546.987.354
Oostende · Eq €38k
PARC-SPA
BE 0651.825.647
Spa · Eq €37k
T&C
BE 0792.663.313
Brussel · Eq €39k
Of 1,856 companies in sector 55204 we hold annual accounts for 449. 337 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-04-2022
Fiscal year end31-12
Activities, NACEBEL
55204Guest rooms (bed and breakfast)
55100Hotels and similar accommodation
55203Holiday cottages, homes and apartments
55209Other holiday and short-stay accommodation
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.