Zingy Capital

Active

Public limited companyfounded 20224 yrs activePlace Sainte-Véronique 6, 4000 Liège, BelgiumKBO/BCE: BE 0787.602.980

Summary

Zingy Capital has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €87.56M and a net result of €6.50M. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 3187 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

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Checked score

Score 2025

71 / 100

Healthy

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

Axes · tick = 2024

Profitability28▲+11

Solvency100=

Growth78▲+46

Track record94

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €2M at 30 days acceptable

short-term debt: 0.1% and cash: 2.5% of total assets, and 0.1% of the assets are financed with debt.

How do we compute the score and the probability?

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

Lower-failure-rate sector

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

Gazette · bankruptcies per sector, NACE 70

Relative position

BE, all sectors

reference

Sector 70

lower

← 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

99.9%

Return on assets

7.4%

Age of the figures

9 mo

Lower-risk legal form

Companies with this legal form statistically fail less often than a BV.

KBO · legal form

Higher-failure-rate region

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

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

29 d early

2024

30 d early

2023

8 d early

2022

17 d early

← 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, full schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€6.50M

2024 · €-1.25M

2023: €4.21M 2024: €-1.25M

2023 → 2025

Working capital

€85.16M▲ 8.0%

2024 · €78.84M

2023: €80.25M 2024: €78.84M

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€82.31M-€81.06M▼ 1.5%€87.56M▲ 8.0%

Operating result€-365k-€-649k▼ 78.0%€-394k▲ 39.3%

Net result€4.21M-€-1.25M€6.50M

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €394k in 2025 against €649k in 2024; the loss shrinks.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €87.66M

97.2%

Fixed assets €2.41M ▲ 7.9%

Current assets €85.25M ▲ 7.4%

Equity and liabilities €87.66M

99.9%

Equity €87.56M ▲ 8.0%

Debt €105k ▼ 80.5%

Debt's share of the balance-sheet total falls from 0.7% to 0.1%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€-315k▲

2024 · €-577k

Cash flow

€6.57M▲

2024 · €-1.18M

Debt to equity

0.00▼

2024 · 0.01

ROE

7.4%▲

2024 · -1.5%

ROA

7.4%▲

2024 · -1.5%

Interest coverage

-2.46▼

2024 · -0.19

Debt ≤ 1 year

€98k▼

2024 · €532k

Income taxes

€354k▼

2024 · €400k

A ratio outside any meaningful range has been withheld (balance sheet total €87.66M, equity €87.56M).

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 · 53 lines

Balance sheet Code20242025

Assets

Total assets20/58€81.60M€87.66M▲

Fixed assets21/28€2.24M€2.41M▲

Tangible fixed assets22/27€2.24M€2.41M▲

Land and buildings22€2.23M€2.41M▲

Furniture and vehicles24€1k€715▼

Assets under construction and advance payments27€0-

Financial fixed assets28€0-

Current assets29/58€79.37M€85.25M▲

Amounts receivable after more than one year29€0-

Other amounts receivable291€0-

Amounts receivable within one year40/41€172k€559k▲

Trade receivables40€18€0▼

Other amounts receivable41€172k€559k▲

Current investments50/53€77.86M€82.52M▲

Cash at bank and in hand54/58€1.34M€2.17M▲

Deferred charges and accrued income490/1€1k€2k▲

Equity and liabilities

Total equity and liabilities10/49€81.60M€87.66M▲

Equity10/15€81.06M€87.56M▲

Contributions10/11€67k€67k=

Capital10€67k€67k=

Issued capital100€67k€67k=

Reserves13€9.05M€9.05M=

Non-distributable reserves130/1€351k€351k=

Legal reserve130€351k€351k=

Tax-exempt reserves132€2.75M€2.13M▼

Distributable reserves133€5.95M€6.57M▲

Profit (loss) carried forward14€71.95M€78.44M▲

Amounts payable17/49€540k€105k▼

Amounts payable within one year42/48€532k€98k▼

Trade debts44€46k€38k▼

Suppliers440/4€46k€38k▼

Taxes, remuneration and social security45€486k€12k▼

Taxes450/3€486k€3k▼

Remuneration and social security454/9-€9k

Other amounts payable47/48€202€47k▲

Accrued charges and deferred income492/3€7k€7k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€73k€79k▲

Other operating charges640/8€180k€37k▼

Gross operating margin9900€-396k€-278k▲

Operating profit (loss)9901€-649k€-394k▲

Financial income75/76B€2.87M€7.37M▲

Recurring financial income75€2.87M€7.37M▲

Financial charges65/66B€3.07M€128k▼

Recurring financial charges65€3.07M€128k▼

Profit (loss) for the period before taxes9903€-849k€6.85M▲

Income taxes67/77€400k€354k▼

Profit (loss) for the period9904€-1.25M€6.50M▲

Transfer from tax-exempt reserves789€2.00M€619k▼

Profit (loss) for the period to be appropriated9905€750k€7.11M▲

Appropriation of the result

Profit (loss) to be appropriated9906€73.95M€79.06M▲

Profit (loss) brought forward from the previous period14P€73.20M€71.95M▼

Transfer to equity691/2€2.00M€619k▼

To other reserves6921€2.00M€619k▼

The notes to these accounts (4 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 7Financial 3Filings 4

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

2026

02-07

NBB filing Annual accounts filed

fiscal year 2025 · full schema

2025

31-12

Financial Back to profitnet €6.50M

Net result €6.50M after one loss-making year.

31-12

Financial Liquidity times 6current ratio 871.78

Current ratio from 149.07 to 871.78; short-term debt falls from €532k to €98k.

01-07

NBB filing Annual accounts filed

fiscal year 2024 · full schema

2024

31-12

Financial Weakest financial yearnet €-1.25M ▼130%

Net result drops to €-1.25M, the lowest in the series; recovery starts the following year.

23-07

NBB filing Annual accounts filed

fiscal year 2023 · full schema

2023

14-07

NBB filing Annual accounts filed

fiscal year 2022 · full schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 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, Liège · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Place Sainte-Véronique 64000 Liège

Ground area

170 m²

Building footprint

85 m²

Volume, LiDAR

1,304 m³

Parcel 62805B0290/00S000, Wallonia · tallest building 17.8 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

Zingy Capital

Place Sainte-Véronique 6, 4000 LiègeReal estate development

since 20222.333.938.774

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62805B0290/00S000	Wallonia	170 m²	1 · 85 m²	17.8 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.

Recognitions · licences · registrations

Legal Entity Identifier

984500E2FD0AZFE77D29

live in the LEI register

Similar companies · same sector, comparable size

RVM Invest

BE 0447.384.685

Oudenaarde · Eq €87.42M

Virya Energy Invest Holding

Roeselare · Eq €86.99M

Wommelgem · Eq €88.70M

Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 1,258 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 formPublic limited company

Founded23-06-2022

Fiscal year end31-12

Activities, NACEBEL 2025

70200Business and other management consultancy

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

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