ZIYAT
ActiveZIYAT has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €32k and a net result of €-11k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 37% of 6592 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-5
Solvency34▼-11
Growth43▲+2
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.12 against 1.28 in 2023), and 77.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 47
Relative position
BE, all sectors
reference
Sector 47
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 2024Solvency, return and age of the figures
Solvency
22.7%
Return on assets
-7.5%
Age of the figures
20 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
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
192021222324
2019 to 2024 · latest year -€11k
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-12-2025, 153 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
153 d late
2023
153 d late
2022
153 d late
2021
153 d late
2020
153 d late
2019
153 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
€178k▲ 3.4%
2023 · €172k
2019: €209k
2020: €165k
2021: €170k
2022: €167k
2023: €172k
2019 → 2024
EBIT margin
-4.1%▼ 1.3pp
2023 · -2.8%
2019: 8.5%
2020: 8.4%
2021: 3.1%
2022: -8.9%
2023: -2.8%
2019 → 2024
Net result
€-11k▼ 111%
2023 · €-5k
2019: €11k
2020: €14k
2021: €191
2022: €-19k
2023: €-5k
2019 → 2024
Working capital
€13k▼ 62.4%
2023 · €35k
2019: €21k
2020: €41k
2021: €42k
2022: €39k
2023: €35k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€165k-€170k▲ 2.6%€167k▼ 1.6%€172k▲ 3.3%€178k▲ 3.4%
Equity€44k-€44k▲ 0.4%€48k▲ 9.7%€43k▼ 10.6%€32k▼ 25.0%
Operating result€14k-€5k▼ 62.5%€-15k€-5k▲ 68.0%€-7k▼ 52.6%
Net result€14k-€191▼ 98.6%€-19k€-5k▲ 72.8%€-11k▼ 111%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7k in 2024 against €5k in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €143k
Fixed assets
€19k▲ 123%
Current assets
€124k▼ 22.5%
Equity and liabilities €143k
Equity
€32k▼ 25.0%
Debt
€111k▼ 11.5%
The debt ratio rises from 74.3% to 77.3%: equity shrinks faster than debt is paid down.
Key figures and ratios
Solvency
22.7%▼
2023 · 25.7%
Current ratio
1.12▼
2023 · 1.28
Quick ratio
0.03▲
2023 · 0.00
Debt / equity
3.41▲
2023 · 2.89
ROE
-33.2%▼
2023 · -11.8%
ROA
-7.5%▼
2023 · -3.0%
Debt
€111k▼
2023 · €125k
Debt ≤ 1 year
€111k▼
2023 · €125k
Income taxes
€3k
Staff costs
€56k▼
2023 · €83k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€168k€143k▼
Fixed assets21/28€9k€19k▲
Tangible fixed assets22/27€4k€13k▲
Plant, machinery and equipment23€4k€13k▲
Financial fixed assets28€5k€7k▲
Current assets29/58€160k€124k▼
Stocks and contracts in progress3€160k€120k▼
Stocks30/36€160k€120k▼
Cash at bank and in hand54/58-€3k
Equity and liabilities
Total equity and liabilities10/49€168k€143k▼
Equity10/15€43k€32k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Profit (loss) carried forward14€25k€14k▼
Amounts payable17/49€125k€111k▼
Amounts payable within one year42/48€125k€111k▼
Financial debts43€308-
Credit institutions430/8€308-
Taxes, remuneration and social security45€40k€24k▼
Taxes450/3€14k€7k▼
Remuneration and social security454/9€26k€16k▼
Other amounts payable47/48€85k€87k▲
Income statement
Code20232024
Turnover70€172k€178k▲
Non-recurring operating income76A€9k€3k▼
Goods, raw materials, services and sundry goods60/61€102k€132k▲
Remuneration, social security and pensions62€83k€56k▼
Other operating charges640/8€2k€607▼
Gross operating margin9900€80k€49k▼
Operating profit (loss)9901€-5k€-7k▼
Financial charges65/66B€341€144▼
Recurring financial charges65€341€144▼
Profit (loss) for the period before taxes9903€-5k€-7k▼
Income taxes67/77-€3k
Profit (loss) for the period9904€-5k€-11k▼
Profit (loss) for the period to be appropriated9905€-5k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€14k▼
Profit (loss) brought forward from the previous period14P€30k€25k▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 153 days late
2024
31-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 153 days late
2023
31-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 153 days late
2022
31-12
Financial
Weakest financial yearnet €-19k ▼9913%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
31-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 153 days late
2021
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 153 days late
2020
31-12
Financial
Highest result since 2019net €14k ▲24.3%
Net result €14k, the highest in the series.
31-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 153 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 61 days late
2017
31-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 153 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
2015
19-10
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 80 days late
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, Charleroi
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.
Boulevard Jacques Bertrand 476000 CharleroiGround area
196 m²
Building footprint
108 m²
Volume, LiDAR
800 m³
Parcel 52011B0240/00E083, Wallonia · tallest building 21.5 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52011B0240/00E083 | Wallonia | 196 m² | 1 · 108 m² | 21.5 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.
Similar companies · same sector, comparable size
ECOPOELEPELLET
BE 0539.896.258
Ath · Eq €32k
3SDL
BE 0800.862.682
Antwerpen · Eq €33k
Lebeauchant
BE 0682.538.223
Herve · Eq €33k
FOR LIEF
BE 0502.332.316
Brussel · Eq €32k
WALLEHUYS
BE 0687.461.764
Kortrijk · Eq €32k
Of 1,043 companies in sector 47559 we hold annual accounts for 346. 264 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded13-01-2005
Fiscal year end31-12
Activities, NACEBEL
47559Retail sale of other household articles
47599Retail trade
47750Retail sale of cosmetics and toilet articles
46450Wholesale of perfume and cosmetics
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.