Zifio
ActiveSummary
Zifio has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €291,375 and a net result of €178,428. Its solvency ranks better than 35% of 7201 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
What stands out
Overview
0 of 1 deed readAccounts 29 d earlyTurnover not published (abridged schema)
Why 71- Limited track record+ Annual accounts: healthy financial profileLatest accounts filed on timeShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability78▲+16
Solvency59▲+18
Growth78
Track record94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20,000 at 30 days acceptable
Liquidity ample (current ratio 2.38 against 1.56 in 2024; short-term debt: 13.4% and cash: 30% of total assets), but 65.8% of the assets are financed with debt.
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Signals
Three 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
34.2%
Return on assets
20.9%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 01-04-2026, 29 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
29 d early
2024
41 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 35 days before the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-09-2026 close01-10-2026 today30-04-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Equity above €200,000Eq €291,375 ▲158%
- Annual accounts filedfiscal year 2024 · micro…
Financials
Fiscal year 2025Total assets €852,596Profit €178,428Solvency 34.2%Liquidity 2.38
Total assets
€852,596▲ 19.6%
2024 - 2025
Net result
€178,428▲ 145%
2024 - 2025
Equity
€291,375▲ 158%
2024 - 2025
Solvency
34.2%▲ 18.3pp
2024 - 2025
Financials · fiscal year 2025, micro schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 73, Advertising, market research and public relations activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Operating result€82,005-€83,946▲ 2.4%
Net result€72,947above the sector's middle half-€178,428above the sector's middle half▲ 145%
Equity€112,947within the sector's middle half-€291,375above the sector's middle half▲ 158%
Total assets€713,034above the sector's middle half-€852,596above the sector's middle half▲ 19.6%
Debt€600,087-€561,221▼ 6.5%
Working capital€48,911within the sector's middle half-€157,368above the sector's middle half▲ 222%
Solvency15.8%below the sector's middle half-34.2%within the sector's middle half▲ 18.3pp
Current ratio1.56within the sector's middle half-2.38within the sector's middle half▲ 0.82
Return on assets (ROA)10.2%within the sector's middle half-20.9%within the sector's middle half▲ 10.7pp
above
within
below
the middle half (P25 to P75) of NACE 73, Advertising, market research and public relations activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €852,596
Fixed assets
€580,840 ▲ 0.8%
Current assets
€271,756 ▲ 98.9%
Equity and liabilities €852,596
Equity
€291,375 ▲ 158%
Debt
€561,221 ▼ 6.5%
Debt's share of the balance-sheet total falls from 84.2% to 65.8%. Equity is higher and debt is lower.
Key figures and ratios
Key figures and ratios
EBITDA
€85,133▲
2024 · €82,381
Cash flow
€179,615▲
2024 · €73,322
Debt to equity
1.93▼
2024 · 5.31
ROE
61.2%▼
2024 · 64.6%
Interest coverage
3.93▲
2024 · 3.63
Debt ≤ 1 year
€114,388▲
2024 · €87,751
Debt > 1 year
€437,953▼
2024 · €508,136
Income taxes
€33,882▲
2024 · €15,154
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €375 | €1,187 | ▲ 216% |
| Other operating charges640/8 | - | €126 | - |
| Gross operating margin9900 | €82,381 | €85,259 | ▲ 3.5% |
| Operating profit (loss)9901 | €82,005 | €83,946 | ▲ 2.4% |
| Financial income75/76B | €28,800 | €150,001 | ▲ 421% |
| Recurring financial income75 | €28,800 | €150,001 | ▲ 421% |
| Financial charges65/66B | €22,704 | €21,637 | ▼ 4.7% |
| Recurring financial charges65 | €22,704 | €21,637 | ▼ 4.7% |
| Profit (loss) for the period before taxes9903 | €88,101 | €212,309 | ▲ 141% |
| Income taxes67/77 | €15,154 | €33,882 | ▲ 124% |
| Profit (loss) for the period9904 | €72,947 | €178,428 | ▲ 145% |
| Profit (loss) for the period to be appropriated9905 | €72,947 | €178,428 | ▲ 145% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €713,034 | €852,596 | ▲ 19.6% |
| Fixed assets21/28 | €576,371 | €580,840 | ▲ 0.8% |
| Tangible fixed assets22/27 | €3,322 | €7,790 | ▲ 135% |
| Furniture and vehicles24 | - | €4,838 | - |
| Other tangible fixed assets26 | €3,322 | €2,952 | ▼ 11.1% |
| Financial fixed assets28 | €573,050 | €573,050 | = |
| Current assets29/58 | €136,662 | €271,756 | ▲ 98.9% |
| Amounts receivable within one year40/41 | €14,788 | €14,939 | ▲ 1.0% |
| Trade receivables40 | €14,788 | €14,939 | ▲ 1.0% |
| Cash at bank and in hand54/58 | €121,337 | €255,910 | ▲ 111% |
| Deferred charges and accrued income490/1 | €538 | €907 | ▲ 68.7% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €713,034 | €852,596 | ▲ 19.6% |
| Equity10/15 | €112,947 | €291,375 | ▲ 158% |
| Contributions10/11 | €40,000 | €40,000 | = |
| Reserves13 | €72,947 | €251,375 | ▲ 245% |
| Distributable reserves133 | €72,947 | €251,375 | ▲ 245% |
| Amounts payable17/49 | €600,087 | €561,221 | ▼ 6.5% |
| Amounts payable after more than one year17 | €508,136 | €437,953 | ▼ 13.8% |
| Financial debts170/4 | €508,136 | €437,953 | ▼ 13.8% |
| Amounts payable within one year42/48 | €87,751 | €114,388 | ▲ 30.4% |
| Current portion of amounts payable after more than one year42 | €61,864 | €70,182 | ▲ 13.4% |
| Trade debts44 | €1,974 | €96 | ▼ 95.1% |
| Suppliers440/4 | €1,974 | €96 | ▼ 95.1% |
| Taxes, remuneration and social security45 | €23,762 | €43,659 | ▲ 83.7% |
| Taxes450/3 | €23,762 | €43,659 | ▲ 83.7% |
| Other amounts payable47/48 | €150 | €450 | ▲ 200% |
| Accrued charges and deferred income492/3 | €4,200 | €8,879 | ▲ 111% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €72,947 | €178,428 | ▲ 145% |
| + Depreciation and write-downs630 | €375 | €1,187 | ▲ 216% |
| Operating cash flow (approximation) | €73,322 | €179,615 | ▲ 145% |
| Investment in fixed assets (approximation) | - | -€5,655 | - |
| Change in cash | - | €134,573 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector, comparable size
ALFIRA
BE 0786.727.309
Sint-Martens-Latem · Eq €291,445
YELLOW SUBMARINE
BE 0870.662.793
Antwerpen · Eq €291,299
LIFESPAN
BE 1001.965.458
Schilde · Eq €291,054
C.G.A.E. LIEGE
BE 0457.622.442
Soumagne · Eq €291,869
NEMOCO
BE 0745.384.919
Puurs-Sint-Amands · Eq €291,943
Of 13,405 companies in this sector we hold annual accounts for 6,906. 4,854 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Board & ownership
1 holding
Directors
Directors
No directors read yet: 0 of 1 Gazette act processed. See the function holders in the CBE →
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 30-09-2025 list no shareholders, and no other source names one.
Holdings 1
-
30%
According to the annual accounts to 30-09-2025 of Zifio 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 directors read yet: 0 of 1 Gazette act processed.
Timeline
3 eventsLatest 01-04-2026Next filing 30-04-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Equity above €200,000Eq €291,375 ▲158%
2 profitable years in a row build equity to €291,375.
20-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
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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Company details
Private limited company · founded 21-09-2023Year ends 30-09Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded21-09-2023
Fiscal year end30-09
Activities, NACEBEL 2025
73300Public relations and communication consultancy
72101Research and development on biotechnology
84130Public administration and defence; compulsory social security
86910Medical imaging and medical laboratories
E-invoicing
Reachable via Peppol
Peppol ID
0208:1000102761
Also
9925:BE1000102761
Registered
15-08-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Kortrijk · 1 establishment unit since 2023
Ground area
281 m²
Building footprint
102 m²
Volume, LiDAR
623 m³
Parcel 34352A0207/00P002, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Zifio
since 2023unit no. 2.351.855.169
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34352A0207/00P002 | Flanders | 281 m² | 1 · 102 m² | 10.8 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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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