ZIPPRO
ActiveZIPPRO has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30k and a net result of €-4k. Equity is shrinking by ~4% per year across the filed fiscal years. Its solvency ranks better than 80% of 7431 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability11▼-61
Solvency98▲+7
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 3.64 against 2.77 in 2024; short-term debt: 27.4% and cash: 29.4% of total assets), and 27.4% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
72.6%
Return on assets
-10.1%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 d late
2024
28 d late
2023
26 d late
2022
22 d late
2021
25 d late
2020
40 d late
2019
4 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, micro schema
Equity
€30k▼ 12.2%
2024 · €34k
2018: €28k
2019: €37k
2020: €65k
2021: €52k
2022: €60k
2023: €40k
2024: €34k
2018 → 2025
Total assets
€41k▼ 20.1%
2024 · €51k
2018: €41k
2019: €66k
2020: €125k
2021: €90k
2022: €80k
2023: €63k
2024: €51k
2018 → 2025
Net result
€-4k
2024 · €1k
2018: €-4k
2019: €9k
2020: €29k
2021: €-14k
2022: €8k
2023: €-20k
2024: €1k
2018 → 2025
Working capital
€30k▼ 3.3%
2024 · €31k
2018: €26k
2019: €35k
2020: €40k
2021: €28k
2022: €43k
2023: €30k
2024: €31k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€52k-€60k▲ 15.7%€40k▼ 32.8%€34k▼ 16.0%€30k▼ 12.2%
Operating result€-15k-€12k€-19k€2k€-2k
Net result€-14k-€8k€-20k€1k€-4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2k after €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €41k
Equity
€30k▼ 12.2%
Debt
€11k▼ 35.3%
The debt ratio falls from 33.9% to 27.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€908▼
2024 · €9k
Cash flow
€-998▼
2024 · €8k
Solvency
72.6%▲
2024 · 66.1%
Current ratio
3.64▲
2024 · 2.77
Quick ratio
3.64▲
2024 · 2.77
Debt / equity
0.38▼
2024 · 0.51
ROE
-14.0%▼
2024 · 4.3%
ROA
-10.1%▼
2024 · 2.8%
Interest coverage
0.56▼
2024 · 69.48
Debt
€11k▼
2024 · €17k
Debt ≤ 1 year
€11k▼
2024 · €17k
Income taxes
€286▼
2024 · €737
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€51k€41k▼
Fixed assets21/28€3k€0▼
Tangible fixed assets22/27€3k€0▼
Plant, machinery and equipment23€1k€0▼
Furniture and vehicles24€2k€0▼
Current assets29/58€48k€41k▼
Amounts receivable within one year40/41€35k€29k▼
Trade receivables40€25k€18k▼
Other amounts receivable41€9k€11k▲
Cash at bank and in hand54/58€13k€12k▼
Equity and liabilities
Total equity and liabilities10/49€51k€41k▼
Equity10/15€34k€30k▼
Contributions10/11€20k€20k=
Reserves13€13k€13k=
Distributable reserves133€13k€13k=
Profit (loss) carried forward14-€-4k
Amounts payable17/49€17k€11k▼
Amounts payable within one year42/48€17k€11k▼
Trade debts44€15k€10k▼
Suppliers440/4€15k€10k▼
Taxes, remuneration and social security45€2k€1k▼
Taxes450/3€2k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€3k▼
Other operating charges640/8€118€120▲
Non-recurring operating charges66A€861€6k▲
Gross operating margin9900€10k€7k▼
Operating profit (loss)9901€2k€-2k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€128€2k▲
Recurring financial charges65€128€2k▲
Profit (loss) for the period before taxes9903€2k€-4k▼
Income taxes67/77€737€286▼
Profit (loss) for the period9904€1k€-4k▼
Profit (loss) for the period to be appropriated9905€1k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€-4k▼
Profit (loss) brought forward from the previous period14P€9k-
Transfer to equity691/2€2k-
To other reserves6921€2k-
Profit to be distributed694/7€8k-
Return on contributions (dividend)694€8k-
The notes to these accounts (4 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Weakest financial yearnet €-20k ▼342%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
09-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 40 days late
2020
31-12
Financial
Highest result since 2018net €29k ▲216%
Operating result €40k, net result €29k, both a record.
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
2019
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Berlaar · 1 establishment unit since 2014
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.
Stationsstraat 1552590 BerlaarGround area
237 m²
Building footprint
117 m²
Volume, LiDAR
601 m³
Parcel 12002D0159/00M000, Flanders · tallest building 9.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Zippro
since 20142.232.872.593
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12002D0159/00M000 | Flanders | 237 m² | 1 · 117 m² | 9.8 m · 1 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
Emysfeer
BE 0673.646.192
Antwerpen · Eq €30k
MIBR GROUP
BE 0787.443.426
Sint-Pieters-Leeuw · Eq €30k
GU STASIK
BE 1003.949.802
Aalter · Eq €30k
RENOV CONSTRUCT DME
BE 0761.547.295
Houyet · Eq €30k
MADERENO
BE 0788.535.170
Heist-op-den-Berg · Eq €30k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 12,412 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2014
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43240Other construction installation
43299Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.