Zipper Lab
ActiveThe computed 12-month bankruptcy probability of Zipper Lab is 2.0% (moderate). The 2025 annual accounts show equity of €106k and a net result of €49k. Equity is growing by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 77% of 6994 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+4
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 7.28 against 7.59 in 2024; short-term debt: 13.7% and cash: 30% of total assets), and 19.8% 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+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
80.2%
Return on assets
37%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
on the day
2024
26 d late
2023
67 d late
2022
30 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€106k▼ 14.2%
2024 · €124k
2022: €72k
2023: €90k
2024: €124k
2022 → 2025
Total assets
€133k▼ 7.1%
2024 · €143k
2022: €114k
2023: €114k
2024: €143k
2022 → 2025
Net result
€49k▲ 45.5%
2024 · €34k
2022: €70k
2023: €18k
2024: €34k
2022 → 2025
Working capital
€114k▼ 7.8%
2024 · €124k
2022: €72k
2023: €90k
2024: €124k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€72k-€90k▲ 25.5%€124k▲ 37.3%€106k▼ 14.2%
Operating result€87k-€21k▼ 75.9%€37k▲ 76.5%€62k▲ 68.3%
Net result€70k-€18k▼ 73.5%€34k▲ 83.2%€49k▲ 45.5%
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 68% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €133k
Equity
€106k▼ 14.2%
Debt
€26k▲ 39.3%
The debt ratio rises from 13.2% to 19.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
80.2%▼
2024 · 86.8%
Current ratio
7.28▼
2024 · 7.59
Quick ratio
7.28▼
2024 · 7.59
Debt / equity
0.25▲
2024 · 0.15
ROE
46.1%▲
2024 · 27.2%
ROA
37.0%▲
2024 · 23.6%
Debt
€26k▲
2024 · €19k
Debt ≤ 1 year
€18k▼
2024 · €19k
Income taxes
€13k▲
2024 · €9k
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€143k€133k▼
Current assets29/58€143k€133k▼
Amounts receivable within one year40/41€114k€93k▼
Trade receivables40€6k€9k▲
Other amounts receivable41€108k€84k▼
Cash at bank and in hand54/58€29k€40k▲
Equity and liabilities
Total equity and liabilities10/49€143k€133k▼
Equity10/15€124k€106k▼
Contributions10/11€3k€3k=
Reserves13€122k€104k▼
Distributable reserves133€122k€104k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€19k€26k▲
Amounts payable within one year42/48€19k€18k▼
Trade debts44€640€682▲
Suppliers440/4€640€682▲
Taxes, remuneration and social security45€18k€18k▼
Taxes450/3€18k€18k▼
Accrued charges and deferred income492/3-€8k
Income statement
Code20242025
Other operating charges640/8€0-
Gross operating margin9900€37k€62k▲
Operating profit (loss)9901€37k€62k▲
Financial income75/76B€6k€0▼
Recurring financial income75€6k€0▼
Financial charges65/66B€176€360▲
Recurring financial charges65€176€360▲
Profit (loss) for the period before taxes9903€43k€62k▲
Income taxes67/77€9k€13k▲
Profit (loss) for the period9904€34k€49k▲
Profit (loss) for the period to be appropriated9905€34k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€49k▲
Transfer from equity791/2-€18k
Transfer to equity691/2€34k€0▼
To other reserves6921€34k€0▼
Profit to be distributed694/7-€67k
Return on contributions (dividend)694-€67k
The notes to these accounts (12 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Equity above €100kEq €124k ▲37.3%
3 profitable years in a row build equity to €124k.
06-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 67 days late
2023
31-12
Financial
Weakest financial yearnet €18k ▼73.5%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2022
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.
Defacqzstraat 1411060 Sint-Gillis (bij-Brussel)Ground area
242 m²
Building footprint
242 m²
Volume, LiDAR
5,216 m³
Parcel 21013B0335/00Y008, Brussels · tallest building 24.1 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Defacqzstraat 141, 1060 Sint-Gillis (bij-Brussel)
since 20222.330.158.051
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0335/00Y008 | Brussels | 242 m² | 1 · 242 m² | 24.1 m · 8 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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Of 13,422 companies in sector 73300 we hold annual accounts for 6,900. 5,583 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-03-2022
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.