ZiZo interieur
ActiveZiZo interieur has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €372k and a net result of €30k. Equity is shrinking by ~6% per year across the filed fiscal years. Its solvency ranks better than 57% of 538 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+2
Solvency74▼-15
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 1.73 against 2.53 in 2024; short-term debt: 50.8% and cash: 43.6% of total assets), but 50.8% 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
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
49.2%
Return on assets
3.9%
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 16
Relative position
BE, all sectors
reference
Sector 16
higher
← fewer bankruptcies
more bankruptcies →
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 18-05-2026, 74 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
74 d early
2024
3 d early
2023
6 d late
2022
on the day
2021
32 d early
2020
11 d late
2019
on the day
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€372k▼ 29.4%
2024 · €527k
2018: €306k
2019: €490k
2020: €770k
2021: €712k
2022: €631k
2023: €543k
2024: €527k
2018 → 2025
Total assets
€756k▼ 8.1%
2024 · €823k
2018: €439k
2019: €650k
2020: €940k
2021: €1.04M
2022: €1.09M
2023: €603k
2024: €823k
2018 → 2025
Net result
€30k▲ 35.5%
2024 · €22k
2018: €37k
2019: €184k
2020: €318k
2021: €8k
2022: €30k
2023: €274
2024: €22k
2018 → 2025
Working capital
€279k▼ 38.5%
2024 · €453k
2018: €129k
2019: €328k
2020: €632k
2021: €604k
2022: €551k
2023: €459k
2024: €453k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€712k-€631k▼ 11.4%€543k▼ 14.0%€527k▼ 2.9%€372k▼ 29.4%
Operating result€526-€24k▲ 4,478%€-10k€18k€25k▲ 39.2%
Net result€8k-€30k▲ 260%€274▼ 99.1%€22k▲ 7,897%€30k▲ 35.5%
Turnover and EBIT margin not published: the abbreviated or 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 39% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €756k
Fixed assets
€93k▲ 26.9%
Current assets
€663k▼ 11.6%
Equity and liabilities €756k
Equity
€372k▼ 29.4%
Debt
€384k▲ 29.8%
The debt ratio rises from 36.0% to 50.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€66k▲
2024 · €52k
Cash flow
€70k▲
2024 · €55k
Solvency
49.2%▼
2024 · 64.0%
Current ratio
1.73▼
2024 · 2.53
Quick ratio
1.41▼
2024 · 2.11
Debt / equity
1.03▲
2024 · 0.56
ROE
8.0%▲
2024 · 4.2%
ROA
3.9%▲
2024 · 2.7%
Interest coverage
256.33▲
2024 · 66.33
Debt
€384k▲
2024 · €296k
Debt ≤ 1 year
€384k▲
2024 · €296k
Income taxes
€10k▲
2024 · €8k
Staff costs
€521k▲
2024 · €505k
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€823k€756k▼
Fixed assets21/28€74k€93k▲
Tangible fixed assets22/27€73k€93k▲
Plant, machinery and equipment23€30k€69k▲
Furniture and vehicles24€20k€11k▼
Other tangible fixed assets26€24k€13k▼
Financial fixed assets28€182€182=
Current assets29/58€749k€663k▼
Stocks and contracts in progress3€125k€121k▼
Stocks30/36€125k€121k▼
Amounts receivable within one year40/41€115k€204k▲
Trade receivables40€103k€137k▲
Other amounts receivable41€11k€67k▲
Cash at bank and in hand54/58€501k€330k▼
Deferred charges and accrued income490/1€9k€8k▼
Equity and liabilities
Total equity and liabilities10/49€823k€756k▼
Equity10/15€527k€372k▼
Contributions10/11€12k€12k=
Reserves13€493k€338k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€491k€336k▼
Profit (loss) carried forward14€22k€22k=
Amounts payable17/49€296k€384k▲
Amounts payable within one year42/48€296k€384k▲
Trade debts44€218k€243k▲
Suppliers440/4€218k€243k▲
Advances received on contracts in progress46€67k€122k▲
Taxes, remuneration and social security45€11k€19k▲
Taxes450/3€11k€2k▼
Remuneration and social security454/9€875€17k▲
Other amounts payable47/48€120-
Income statement
Code20242025
Non-recurring operating income76A-€7k
Remuneration, social security and pensions62€505k€521k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€40k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A-€250
Gross operating margin9900€559k€589k▲
Operating profit (loss)9901€18k€25k▲
Financial income75/76B€12k€15k▲
Recurring financial income75€12k€15k▲
Financial charges65/66B€780€256▼
Recurring financial charges65€780€256▼
Profit (loss) for the period before taxes9903€30k€40k▲
Income taxes67/77€8k€10k▲
Profit (loss) for the period9904€22k€30k▲
Profit (loss) for the period to be appropriated9905€22k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€52k▲
Profit (loss) brought forward from the previous period14P-€22k
Transfer from equity791/2€37k€184k▲
Transfer to equity691/2-€30k
To other reserves6921-€30k
Profit to be distributed694/7€37k€184k▲
Return on contributions (dividend)694€37k€184k▲
The notes to these accounts (6 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
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
31-12
Financial
Weakest financial yearnet €274 ▼99.1%
Net result drops to €274, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 8.65
Current ratio from 2.19 to 8.65; short-term debt falls from €462k to €60k.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 11 days late
2020
31-12
Financial
Highest result since 2018net €318k ▲72.1%
Operating result €397k, net result €318k, both a record.
31-12
Financial
Equity above €500kEq €770k ▲57.1%
3 profitable years in a row build equity to €770k.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
08-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 8 days late
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Putte · 1 establishment unit since 2012
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.
Leuvensebaan 1362580 PutteGround area
3,088 m²
Building footprint
1,035 m²
Volume, LiDAR
2,584 m³
2 parcels, Flanders · tallest building 15.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ZiZo Interieur
since 20122.216.166.819
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12029D0076/00V000 | Flanders | 1,983 m² | 1 · 883 m² | 15.8 m |
| 12029D0076/00N000 | Flanders | 1,105 m² | 1 · 152 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2022 to 2025 · 6 entries · 20,636 EUR awarded · 20,636 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 3,814 EUR | 3,814 EUR |
| 2024 | 2 | 4,755 EUR | 4,755 EUR |
| 2023 | 1 | 5,028 EUR | 5,028 EUR |
| 2022 | 1 | 7,039 EUR | 7,039 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Individueel Maatwerk
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
1 categoryZiZo interieur BV42079
Similar companies · same sector, comparable size
TALPE F. CONSTRUCT
BE 0437.987.761
Dentergem · Eq €373k
VINCKE DIRK
BE 0830.999.988
Tielt · Eq €369k
SCHRIJNWERKERIJ LINTERMANS
BE 0656.747.309
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WOODPROJECTS MARC CUYVERS
BE 0477.333.040
Bocholt · Eq €378k
W.B.R.
BE 0403.930.962
Soumagne · Eq €379k
Of 1,600 companies in sector 16230 we hold annual accounts for 782. 582 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-10-2012
Fiscal year end31-12
Activities, NACEBEL
16230Manufacture of other builders' carpentry and joinery
43320Joinery installation
43211General electrical installation work
43221Plumbing work
43331Floor and wall tiling
47552Retail sale of lighting equipment
47592Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.