ZINSPELING
ActiveZINSPELING has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €133k and a net result of €9k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 93% of 8657 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+62
Solvency100=
Growth25▲+3
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 23.7 against 11.82 in 2024; short-term debt: 3.9% and cash: 52.4% of total assets), and 3.9% 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 · 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 →
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
96.1%
Return on assets
6.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-08-2026, 23 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 · 10 filingsDeviation from the deadline
2025
23 d late
2024
30 d late
2023
60 d late
2022
28 d late
2021
393 d late
2020
108 d late
2019
106 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€100k▲ 28.9%
2024 · €78k
2018: €168k
2019: €168k
2020: €151k
2021: €116k
2022: €57k
2023: €54k
2024: €78k
2018 → 2025
EBIT margin
6.2%▲ 16.6pp
2024 · -10.4%
2018: 10.5%
2019: 1.1%
2020: 7.4%
2021: -5.6%
2022: -5.0%
2023: -15.8%
2024: -10.4%
2018 → 2025
Net result
€9k
2024 · €-6k
2018: €15k
2019: €-5k
2020: €12k
2021: €-8k
2022: €-9k
2023: €-7k
2024: €-6k
2018 → 2025
Working capital
€123k▲ 12.1%
2024 · €110k
2018: €128k
2019: €128k
2020: €149k
2021: €141k
2022: €129k
2023: €115k
2024: €110k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€116k-€57k▼ 50.8%€54k▼ 4.7%€78k▲ 42.8%€100k▲ 28.9%
Equity€146k-€137k▼ 5.9%€131k▼ 4.9%€125k▼ 4.5%€133k▲ 6.8%
Operating result€-6k-€-3k▲ 56.2%€-9k▼ 203%€-8k▲ 5.4%€6k
Net result€-8k-€-9k▼ 11.1%€-7k▲ 21.1%€-6k▲ 13.6%€9k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €6k after a loss of €8k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €139k
Fixed assets
€10k▼ 31.7%
Current assets
€128k▲ 7.1%
Equity and liabilities €139k
Equity
€133k▲ 6.8%
Debt
€5k▼ 46.6%
The debt ratio falls from 7.5% to 3.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€11k▲
2024 · €-3k
Cash flow
€13k▲
2024 · €-856
Solvency
96.1%▲
2024 · 92.5%
Current ratio
23.70▲
2024 · 11.82
Quick ratio
23.70▲
2024 · 11.82
Debt / equity
0.04▼
2024 · 0.08
ROE
6.4%▲
2024 · -4.7%
ROA
6.2%▲
2024 · -4.3%
Interest coverage
32.77▲
2024 · -18.96
Debt
€5k▼
2024 · €10k
Debt ≤ 1 year
€5k▼
2024 · €10k
Income taxes
€26
Staff costs
€34k▲
2024 · €30k
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€135k€139k▲
Fixed assets21/28€15k€10k▼
Tangible fixed assets22/27€15k€10k▼
Plant, machinery and equipment23€4k€1k▼
Furniture and vehicles24€11k€9k▼
Current assets29/58€120k€128k▲
Amounts receivable within one year40/41€72k€56k▼
Trade receivables40€36k€15k▼
Other amounts receivable41€36k€41k▲
Cash at bank and in hand54/58€48k€73k▲
Equity and liabilities
Total equity and liabilities10/49€135k€139k▲
Equity10/15€125k€133k▲
Contributions10/11€50k€50k=
Capital10€50k€50k=
Issued capital100€50k€50k=
Reserves13€32k€41k▲
Non-distributable reserves130/1€5k€5k=
Legal reserve130€5k€5k=
Tax-exempt reserves132€27k€36k▲
Profit (loss) carried forward14€43k€43k=
Amounts payable17/49€10k€5k▼
Amounts payable within one year42/48€10k€5k▼
Trade debts44€7k€1k▼
Suppliers440/4€7k€1k▼
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Income statement
Code20242025
Turnover70€78k€100k▲
Goods, raw materials, services and sundry goods60/61€49k€54k▲
Remuneration, social security and pensions62€30k€34k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€28k€46k▲
Operating profit (loss)9901€-8k€6k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€73€89▲
Non-recurring financial income76B€2k€3k▲
Financial charges65/66B€163€334▲
Recurring financial charges65€163€334▲
Profit (loss) for the period before taxes9903€-6k€9k▲
Income taxes67/77-€26
Profit (loss) for the period9904€-6k€9k▲
Profit (loss) for the period to be appropriated9905€-6k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€43k€51k▲
Profit (loss) brought forward from the previous period14P€49k€43k▼
Transfer to equity691/2-€9k
To other reserves6921-€9k
The notes to these accounts (5 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
23-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 23 days late
2025
31-12
Financial
Back to profitnet €9k
Net result €9k after 4 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 23.70
Current ratio from 11.82 to 23.70; short-term debt falls from €10k to €5k.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 60 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
28-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 393 days late
2022
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 48.82
Current ratio from 17.80 to 48.82; short-term debt falls from €8k to €3k.
2021
16-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 108 days late
2020
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
31-12
Financial
Equity above €150kEq €154k ▲8.6%
Equity rises from €142k to €154k.
14-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 106 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 26.21
Current ratio from 9.79 to 26.21; short-term debt falls from €15k to €5k.
25-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 86 days late
2018
10-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 41 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Bilzen-Hoeselt · 1 establishment unit since 2001
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.
Blookstraat 473740 Bilzen-HoeseltGround area
199 m²
Building footprint
199 m²
Volume, LiDAR
939 m³
Parcel 73055A0430/00F000, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ZinSpeling
since 20012.095.450.022
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73055A0430/00F000 | Flanders | 199 m² | 1 · 199 m² | 7.0 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.
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GBIO CONSULTING & MANAGEMENT
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MANAX
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 40,874 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-12-2001
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.