ZININ
ActiveZININ has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €447k and a net result of €75k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 41% of 6963 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +23 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+84
Solvency89▲+7
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 2.98 against 1.58 in 2024), but 56.6% 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○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
43.4%
Return on assets
7.3%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €447k
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 25-06-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
37 d early
2023
2 d early
2022
24 d early
2021
18 d late
2020
88 d late
2019
4 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€447k▲ 20.2%
2024 · €372k
2018: €382k
2019: €372k
2020: €383k
2021: €384k
2022: €380k
2023: €372k
2024: €372k
2018 → 2025
Total assets
€1.03M▲ 25.5%
2024 · €821k
2018: €842k
2019: €816k
2020: €957k
2021: €879k
2022: €749k
2023: €839k
2024: €821k
2018 → 2025
Net result
€75k
2024 · €-219
2018: €-1k
2019: €-11k
2020: €11k
2021: €796
2022: €-3k
2023: €-8k
2024: €-219
2018 → 2025
Working capital
€339k▲ 235%
2024 · €101k
2018: €-86k
2019: €-54k
2020: €14k
2021: €-42k
2022: €-82k
2023: €-42k
2024: €101k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€384k-€380k▼ 0.9%€372k▼ 2.1%€372k▼ 0.1%€447k▲ 20.2%
Operating result€10k-€5k▼ 47.3%€181▼ 96.6%€8k▲ 4,441%€114k▲ 1,278%
Net result€796-€-3k€-8k▼ 143%€-219▲ 97.3%€75k
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 1,278% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.03M
Fixed assets
€519k▼ 5.0%
Current assets
€511k▲ 86.2%
Equity and liabilities €1.03M
Equity
€447k▲ 20.2%
Provisions
€42k▼ 5.3%
Debt
€541k▲ 33.8%
The debt ratio rises from 49.2% to 52.5%: debt grows faster than equity.
Key figures and ratios
EBITDA
€141k▲
2024 · €35k
Cash flow
€102k▲
2024 · €27k
Solvency
43.4%▼
2024 · 45.3%
Current ratio
2.98▲
2024 · 1.58
Quick ratio
2.98▲
2024 · 1.58
Debt / equity
1.21▲
2024 · 1.09
ROE
16.8%▲
2024 · -0.1%
ROA
7.3%▲
2024 · 0.0%
Interest coverage
42.26▲
2024 · 7.19
Debt
€541k▲
2024 · €404k
Debt ≤ 1 year
€172k▼
2024 · €173k
Income taxes
€38k▲
2024 · €6k
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€821k€1.03M▲
Fixed assets21/28€546k€519k▼
Tangible fixed assets22/27€546k€519k▼
Land and buildings22€546k€519k▼
Current assets29/58€274k€511k▲
Amounts receivable within one year40/41€172k€350k▲
Trade receivables40€165k€337k▲
Other amounts receivable41€7k€13k▲
Cash at bank and in hand54/58€100k€156k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€821k€1.03M▲
Equity10/15€372k€447k▲
Contributions10/11€200k€200k=
Reserves13€172k€247k▲
Non-distributable reserves130/1€9k€9k=
Reserves not available under the articles1311€9k€9k=
Tax-exempt reserves132€87k€82k▼
Distributable reserves133€76k€156k▲
Provisions and deferred taxes16€45k€42k▼
Deferred taxes168€45k€42k▼
Amounts payable17/49€404k€541k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€173k€172k▼
Current portion of amounts payable after more than one year42€3k€0▼
Financial debts43€50k€0▼
Credit institutions430/8€50k€0▼
Trade debts44€87k€128k▲
Suppliers440/4€87k€128k▲
Taxes, remuneration and social security45€33k€43k▲
Taxes450/3€33k€43k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€231k€369k▲
Income statement
Code20242025
Non-recurring operating income76A-€4k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€27k=
Other operating charges640/8€4k€4k▲
Gross operating margin9900€39k€145k▲
Operating profit (loss)9901€8k€114k▲
Financial income75/76B€71€347▲
Recurring financial income75€71€347▲
Financial charges65/66B€5k€3k▼
Recurring financial charges65€5k€3k▼
Profit (loss) for the period before taxes9903€3k€111k▲
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€6k€38k▲
Profit (loss) for the period9904€-219€75k▲
Transfer from tax-exempt reserves789€5k€5k=
Profit (loss) for the period to be appropriated9905€4k€80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€80k▲
Transfer from equity791/2€0-
Transfer to equity691/2€4k€80k▲
To other reserves6921€4k€80k▲
The notes to these accounts (8 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
25-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €75k
Net result €75k after 3 loss-making years.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-11k
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2025
Jo Ver Berne
CurrentDirector · since 01-07-2025
01-07-2025
Appointed as Director
Location & real-estate footprint
Registered office, Bierbeek · 1 establishment unit since 2004
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.
Velpestraat(OPV) 573360 BierbeekGround area
1,801 m²
Building footprint
289 m²
Parcel 24713A0257/00M002, Flanders. Linked by address, not a title deed.
1 establishment unit
ZININ
since 20042.135.008.404
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24713A0257/00M002 | Flanders | 1,801 m² | 1 · 289 m² | - |
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
2024 · 1 entry · 400 EUR awarded · 299 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 400 EUR | 299 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,807 companies in sector 73110 we hold annual accounts for 3,724. 2,237 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded19-01-2004
Fiscal year end31-12
Activities, NACEBEL
73110Advertising agencies
74401
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
74141
74872
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.