ZEYD
ActiveThe computed 12-month bankruptcy probability of ZEYD is 2.0% (moderate). The 2025 annual accounts show equity of €33k and a net result of €23k. Equity is growing by ~24% per year across the filed fiscal years. Its solvency ranks better than 58% of 27619 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+3
Solvency80▼-20
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 1.96 against 4.53 in 2024; short-term debt: 45.3% and cash: 50.9% of total assets), and 45.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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
54.7%
Return on assets
38.8%
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 06-07-2026, 25 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
25 d early
2024
29 d early
2023
36 d early
2022
46 d early
2021
38 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▼ 54.7%
2024 · €73k
2021: €25k
2022: €45k
2023: €53k
2024: €73k
2021 → 2025
Total assets
€60k▼ 31.0%
2024 · €88k
2021: €44k
2022: €66k
2023: €87k
2024: €88k
2021 → 2025
Net result
€23k▲ 17.2%
2024 · €20k
2021: €22k
2022: €20k
2023: €8k
2024: €20k
2021 → 2025
Working capital
€26k▼ 49.3%
2024 · €52k
2021: €25k
2022: €44k
2023: €60k
2024: €52k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€45k▲ 79.9%€53k▲ 17.1%€73k▲ 37.9%€33k▼ 54.7%
Operating result€28k-€26k▼ 5.5%€10k▼ 62.8%€28k▲ 185%€30k▲ 8.2%
Net result€22k-€20k▼ 9.3%€8k▼ 61.4%€20k▲ 159%€23k▲ 17.2%
Turnover and EBIT margin not published: the micro 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 8% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60k
Fixed assets
€7k▼ 68.0%
Current assets
€54k▼ 19.4%
Equity and liabilities €60k
Equity
€33k▼ 54.7%
Debt
€27k▲ 86.0%
The debt ratio rises from 16.8% to 45.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€33k▲
2024 · €31k
Cash flow
€26k▲
2024 · €23k
Solvency
54.7%▼
2024 · 83.2%
Current ratio
1.96▼
2024 · 4.53
Quick ratio
1.96▼
2024 · 4.53
Debt / equity
0.83▲
2024 · 0.20
ROE
71.0%▲
2024 · 27.5%
ROA
38.8%▲
2024 · 22.9%
Interest coverage
65.21▲
2024 · 27.55
Debt
€27k▲
2024 · €15k
Debt ≤ 1 year
€27k▲
2024 · €15k
Income taxes
€8k▲
2024 · €7k
Staff costs
€180▼
2024 · €393
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€88k€60k▼
Fixed assets21/28€21k€7k▼
Tangible fixed assets22/27€20k€6k▼
Furniture and vehicles24€20k€6k▼
Financial fixed assets28€950€950=
Current assets29/58€67k€54k▼
Amounts receivable within one year40/41€43k€20k▼
Trade receivables40€41k€11k▼
Other amounts receivable41€2k€9k▲
Cash at bank and in hand54/58€23k€31k▲
Deferred charges and accrued income490/1€625€3k▲
Equity and liabilities
Total equity and liabilities10/49€88k€60k▼
Equity10/15€73k€33k▼
Contributions10/11€3k€3k=
Reserves13€70k€30k▼
Distributable reserves133€70k€30k▼
Amounts payable17/49€15k€27k▲
Amounts payable within one year42/48€15k€27k▲
Trade debts44€4k€22k▲
Suppliers440/4€4k€22k▲
Taxes, remuneration and social security45€11k€5k▼
Taxes450/3€11k€5k▼
Income statement
Code20242025
Non-recurring operating income76A-€24k
Remuneration, social security and pensions62€393€180▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A€2k€684▼
Gross operating margin9900€34k€35k▲
Operating profit (loss)9901€28k€30k▲
Financial income75/76B€525€2k▲
Recurring financial income75€525€2k▲
Non-recurring financial income76B-€198
Financial charges65/66B€1k€503▼
Recurring financial charges65€1k€503▼
Non-recurring financial charges66B€8-
Profit (loss) for the period before taxes9903€27k€32k▲
Income taxes67/77€7k€8k▲
Profit (loss) for the period9904€20k€23k▲
Profit (loss) for the period to be appropriated9905€20k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€23k▲
Transfer to equity691/2€20k€23k▲
To other reserves6921€20k€23k▲
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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €23k ▲17.2%
Operating result €30k, net result €23k, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €8k ▼61.4%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Heusden-Zolder · 1 establishment unit since 2021
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.
Schansstraat 423550 Heusden-ZolderGround area
174 m²
Building footprint
7 m²
Volume, LiDAR
88 m³
Parcel 71025A0073/00C096, Flanders · tallest building 15.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
ZEYD
since 20212.313.246.991
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71025A0073/00C096 | Flanders | 174 m² | 1 · 7 m² | 15.6 m · 5 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 296 EUR awarded · 296 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 296 EUR | 296 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
2 categoriesZEYD BV41816
Similar companies · same sector, comparable size
JEKOTECH
BE 0740.811.566
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TD SANITAIR
BE 0843.190.613
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COUSSENS JOOST
BE 0443.827.062
Wielsbeke · Eq €33k
THERM-IC
BE 0672.766.066
Schaarbeek · Eq €33k
INSTALLATIEBEDRIJF KORTLEVEN
BE 0785.839.263
Maasmechelen · Eq €33k
Of 9,531 companies in sector 43222 we hold annual accounts for 5,661. 4,128 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-02-2021
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
43211General electrical installation work
43212Electrical installation work in industrial facilities
43240Other construction installation
43299Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.