ZILOO SERVICES

Active

Private limited companyfounded 20223 yrs activeRue des Montagnes 22, 1450 Chastre, BelgiumKBO/BCE: BE 0794.206.801

Summary

The computed 12-month bankruptcy probability of ZILOO SERVICES is 3.9% (moderate). The 2025 annual accounts show equity of €75k and a net result of €17k. Equity is growing by ~31.7% per year across the filed fiscal years. Its solvency ranks better than 81% of 13305 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

63 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability88▲+5

Solvency92▼-8

Growth52=

Track record94

Bankruptcy probability, 12 months

3.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €4.5k at 30 days acceptable

Liquidity ample (current ratio 3.94 against 5.23 in 2024; short-term debt: 21.2% and cash: 2.3% of total assets), and 32.6% of the assets are financed with debt.

How do we compute the score and the probability?

Credit check for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

67.4%

Return on assets

15.4%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 4 filings

Deviation from the deadline

2025

29 d late

2024

31 d late

2023

7 d early

2022

8 d late

← before the deadline after the deadline →

Checked, nothing found (2)

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 months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€75k▲ 29.6%

2024 · €58k

2022: €26k 2023: €45k 2024: €58k

2022 → 2025

Total assets

€111k▲ 55.6%

2024 · €71k

2022: €53k 2023: €73k 2024: €71k

2022 → 2025

Net result

€17k▲ 31.1%

2024 · €13k

2022: €24k 2023: €19k 2024: €13k

2022 → 2025

Working capital

€69k▲ 19.7%

2024 · €58k

2022: €25k 2023: €43k 2024: €58k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€26k-€45k▲ 74.8%€58k▲ 29.2%€75k▲ 29.6%

Operating result€29k-€23k▼ 23.1%€15k▼ 33.9%€20k▲ 31.1%

Net result€24k-€19k▼ 18.9%€13k▼ 31.8%€17k▲ 31.1%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 31% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €111k

16.6%

83.4%

Fixed assets €18k

Current assets €93k

Equity and liabilities €111k

67.4%

32.6%

Equity €75k ▲ 29.6%

Debt €36k ▲ 166%

Debt's share of the balance-sheet total rises from 19.1% to 32.6%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€20k

Cash flow

€18k

Current ratio

3.94▼

2024 · 5.23

Quick ratio

3.86▼

2024 · 5.09

Debt to equity

0.48▲

2024 · 0.24

ROE

22.8%▲

2024 · 22.6%

ROA

15.4%▼

2024 · 18.3%

Interest coverage

84.42

Debt ≤ 1 year

€24k▲

2024 · €14k

Debt > 1 year

€13k

Income taxes

€5k▲

2024 · €3k

Staff costs

€2k▲

2024 · €1k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines

Balance sheet Code20242025

Assets

Total assets20/58€71k€111k▲

Fixed assets21/28-€18k

Tangible fixed assets22/27-€18k

Furniture and vehicles24-€18k

Current assets29/58€71k€93k▲

Amounts receivable after more than one year29€50k-

Other amounts receivable291€50k-

Stocks and contracts in progress3€2k€2k=

Stocks30/36€2k€2k=

Amounts receivable within one year40/41€12k€88k▲

Trade receivables40€9k€21k▲

Other amounts receivable41€3k€67k▲

Cash at bank and in hand54/58€7k€3k▼

Deferred charges and accrued income490/1€1k€204▼

Equity and liabilities

Total equity and liabilities10/49€71k€111k▲

Equity10/15€58k€75k▲

Contributions10/11€2k€2k=

Profit (loss) carried forward14€56k€73k▲

Amounts payable17/49€14k€36k▲

Amounts payable after more than one year17-€13k

Financial debts170/4-€13k

Amounts payable within one year42/48€14k€24k▲

Current portion of amounts payable after more than one year42-€3k

Trade debts44€4k€13k▲

Suppliers440/4€4k€13k▲

Taxes, remuneration and social security45€9k€8k▼

Taxes450/3€7k€7k▼

Remuneration and social security454/9€1k€1k▼

Other amounts payable47/48€358-

Income statement Code20242025

Remuneration, social security and pensions62€1k€2k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€723

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€3k

Other operating charges640/8€981€773▼

Gross operating margin9900€17k€26k▲

Operating profit (loss)9901€15k€20k▲

Financial income75/76B€2k€2k▲

Recurring financial income75€2k€2k▲

Financial charges65/66B€77€241▲

Recurring financial charges65€77€241▲

Profit (loss) for the period before taxes9903€16k€22k▲

Income taxes67/77€3k€5k▲

Profit (loss) for the period9904€13k€17k▲

Profit (loss) for the period to be appropriated9905€13k€17k▲

Appropriation of the result

Profit (loss) to be appropriated9906€56k€73k▲

Profit (loss) brought forward from the previous period14P€43k€56k▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 2Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

29-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 29 days late

2025

31-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 31 days late

2024

31-12

Financial Weakest financial yearnet €13k ▼31.8%

Net result drops to €13k, the lowest in the series; recovery starts the following year.

31-12

Financial Liquidity doublescurrent ratio 5.23

Current ratio from 2.50 to 5.23; short-term debt falls from €29k to €14k.

24-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

08-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 8 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, Chastre

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.

Rue des Montagnes 221450 Chastre

Ground area

1,631 m²

Building footprint

110 m²

Volume, LiDAR

524 m³

Parcel 25017C0050/00C003, Wallonia · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25017C0050/00C003	Wallonia	1,631 m²	1 · 110 m²	6.7 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.

Similar companies · same sector, comparable size

Anderlecht · Eq €74,724

Of 7,504 companies in sector 56210 we hold annual accounts for 2,444. 2,043 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded29-11-2022

Fiscal year end31-12

Activities, NACEBEL 2025

56112Limited-service restaurants, excluding mobile food services

56210Event catering

02100Forestry and logging

46150Agents in the wholesale of furniture, household goods and hardware

56111Full-service restaurants

82100Office administrative and support services

86995Nutrition and dietetics services

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.