ZFC CONSULTING
ActiveThe computed 12-month bankruptcy probability of ZFC CONSULTING is 2.1% (moderate). The 2025 annual accounts show equity of €29k and a net result of €857. Equity is shrinking by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 42% of 7002 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+70
Solvency70=
Growth32=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.45 against 1.38 in 2024; short-term debt: 55.4% and cash: 60.8% of total assets), and 55.4% 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
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
44.6%
Return on assets
1.3%
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 25-07-2026, 6 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
6 d early
2024
34 d early
2023
29 d early
2022
24 d early
2021
32 d early
2020
27 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€29k▲ 3.1%
2024 · €28k
2020: €37k
2021: €47k
2022: €47k
2023: €47k
2024: €28k
2020 → 2025
Total assets
€65k▲ 3.7%
2024 · €62k
2020: €60k
2021: €64k
2022: €69k
2023: €99k
2024: €62k
2020 → 2025
Net result
€857
2024 · €-19k
2020: €33k
2021: €10k
2022: €2k
2023: €19k
2024: €-19k
2020 → 2025
Working capital
€16k▲ 21.2%
2024 · €13k
2020: €28k
2021: €33k
2022: €29k
2023: €26k
2024: €13k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€47k-€47k▼ 0.3%€47k=€28k▼ 40.3%€29k▲ 3.1%
Operating result€14k-€3k▼ 79.5%€24k▲ 755%€-19k€1k
Net result€10k-€2k▼ 80.8%€19k▲ 886%€-19k€857
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €1k after a loss of €19k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €65k
Fixed assets
€13k▼ 13.0%
Current assets
€52k▲ 8.9%
Equity and liabilities €65k
Equity
€29k▲ 3.1%
Debt
€36k▲ 4.2%
The debt ratio rises from 55.1% to 55.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€9k▲
2024 · €-10k
Cash flow
€9k▲
2024 · €-10k
Solvency
44.6%▼
2024 · 44.9%
Current ratio
1.45▲
2024 · 1.38
Quick ratio
1.45▲
2024 · 1.38
Debt / equity
1.24▲
2024 · 1.23
ROE
3.0%▲
2024 · -67.5%
ROA
1.3%▲
2024 · -30.3%
Interest coverage
53.65▲
2024 · -79.61
Debt
€36k▲
2024 · €34k
Debt ≤ 1 year
€36k▲
2024 · €34k
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€62k€65k▲
Fixed assets21/28€15k€13k▼
Intangible fixed assets21€14k€13k▼
Tangible fixed assets22/27€395€82▼
Furniture and vehicles24€395€82▼
Current assets29/58€48k€52k▲
Amounts receivable within one year40/41€15k€11k▼
Trade receivables40-€387
Other amounts receivable41€15k€11k▼
Cash at bank and in hand54/58€32k€39k▲
Deferred charges and accrued income490/1€302€1k▲
Equity and liabilities
Total equity and liabilities10/49€62k€65k▲
Equity10/15€28k€29k▲
Contributions10/11€4k€4k=
Reserves13€43k€43k=
Distributable reserves133€43k€43k=
Profit (loss) carried forward14€-19k€-18k▲
Amounts payable17/49€34k€36k▲
Amounts payable within one year42/48€34k€36k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€3k€446▼
Taxes450/3€3k€446▼
Other amounts payable47/48€30k€34k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€8k▼
Other operating charges640/8€387€400▲
Gross operating margin9900€-9k€9k▲
Operating profit (loss)9901€-19k€1k▲
Financial charges65/66B€120€166▲
Recurring financial charges65€120€166▲
Profit (loss) for the period before taxes9903€-19k€857▲
Profit (loss) for the period9904€-19k€857▲
Profit (loss) for the period to be appropriated9905€-19k€857▲
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€-18k▲
Profit (loss) brought forward from the previous period14P-€-19k
The notes to these accounts (10 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
25-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €857
Net result €857 after one loss-making year.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-19k ▼200%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
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, Elsene · 1 establishment unit since 2020
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.
Louizalaan 541050 ElseneGround area
1,625 m²
Building footprint
1,286 m²
Volume, LiDAR
34,999 m³
Parcel 21807G0001/00L000, Brussels · tallest building 33.9 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
ZFC CONSULTING
since 20202.301.040.136
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0001/00L000 | Brussels | 1,625 m² | 1 · 1,286 m² | 33.9 m · 9 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
LeanOps
BE 0773.557.479
Leopoldsburg · Eq €29k
The Circular Hub
BE 0727.380.531
Gent · Eq €29k
Arnica Design
BE 0806.476.707
Schaarbeek · Eq €29k
Legendaria
BE 0797.429.080
Schaarbeek · Eq €29k
Kubus
BE 1020.443.463
Merchtem · Eq €29k
Of 13,422 companies in sector 73300 we hold annual accounts for 6,900. 5,126 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-03-2020
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.
Contact details
1 entryE-mail:pagesalice@gmail.com