ZLAYET & SONS DIAMONDS
ActiveZLAYET & SONS DIAMONDS has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €547k and a net result of €142k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 24% of 9039 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability75▲+63
Solvency45▲+5
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.76 against 1.61 in 2023; short-term debt: 55.1% and cash: 0.3% of total assets), but 80% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 9039 sector peers (2024).
NBB · sector comparisonPosition among 9039 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-09-2025, 46 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
not confirmed
2024
46 d late
2023
244 d late
2022
153 d late
2021
29 d late
2020
20 d late
2019
307 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€547k▲ 40.0%
2023 · €391k
2018: €684k
2019: €-335k
2020: €479k
2021: €584k
2022: €531k
2023: €391k
2018 → 2024
Total assets
€2.74M▲ 2.0%
2023 · €2.69M
2018: €2.64M
2019: €3.19M
2020: €2.52M
2021: €3.01M
2022: €2.90M
2023: €2.69M
2018 → 2024
Net result
€142k
2023 · €-140k
2018: €44k
2019: €-1.02M
2020: €-40k
2021: €105k
2022: €-54k
2023: €-140k
2018 → 2024
Working capital
€1.14M▲ 16.2%
2023 · €984k
2018: €1.25M
2019: €260k
2020: €1.08M
2021: €1.24M
2022: €1.19M
2023: €984k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€479k-€584k▲ 22.0%€531k▼ 9.2%€391k▼ 26.4%€547k▲ 40.0%
Operating result€-116k-€13k€-39k€-165k▼ 319%€155k
Net result€-40k-€105k€-54k€-140k▼ 161%€142k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €155k after a loss of €165k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.74M
Fixed assets
€86k▼ 3.9%
Current assets
€2.65M▲ 2.2%
Equity and liabilities €2.74M
Equity
€547k▲ 40.0%
Debt
€2.19M▼ 4.5%
The debt ratio falls from 85.5% to 80.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€160k▲
2023 · €-161k
Cash flow
€147k▲
2023 · €-135k
Solvency
20.0%▲
2023 · 14.5%
Current ratio
1.76▲
2023 · 1.61
Quick ratio
0.48▲
2023 · 0.42
Debt / equity
4.01▼
2023 · 5.87
ROE
25.9%▲
2023 · -35.8%
ROA
5.2%▲
2023 · -5.2%
Interest coverage
14.75▲
2023 · -16.98
Debt
€2.19M▼
2023 · €2.30M
Debt ≤ 1 year
€1.51M▼
2023 · €1.61M
Debt > 1 year
€683k=
2023 · €683k
Income taxes
€9k▲
2023 · €3k
Staff costs
€30k▼
2023 · €31k
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€2.69M€2.74M▲
Fixed assets21/28€90k€86k▼
Tangible fixed assets22/27€89k€85k▼
Land and buildings22€88k€84k▼
Furniture and vehicles24€498€1k▲
Financial fixed assets28€1k€1k=
Current assets29/58€2.60M€2.65M▲
Stocks and contracts in progress3€1.91M€1.93M▲
Stocks30/36€1.91M€1.93M▲
Amounts receivable within one year40/41€648k€717k▲
Trade receivables40€493k€561k▲
Other amounts receivable41€155k€155k=
Cash at bank and in hand54/58€33k€9k▼
Deferred charges and accrued income490/1€561€653▲
Equity and liabilities
Total equity and liabilities10/49€2.69M€2.74M▲
Equity10/15€391k€547k▲
Contributions10/11€6k€6k=
Reserves13€385k€541k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€383k€539k▲
Amounts payable17/49€2.30M€2.19M▼
Amounts payable after more than one year17€683k€683k=
Financial debts170/4€683k€683k=
Amounts payable within one year42/48€1.61M€1.51M▼
Financial debts43€6k-
Other loans439€6k-
Trade debts44€1.36M€1.29M▼
Suppliers440/4€1.36M€1.29M▼
Advances received on contracts in progress46€25k-
Taxes, remuneration and social security45€35k€39k▲
Taxes450/3€27k€37k▲
Remuneration and social security454/9€8k€2k▼
Other amounts payable47/48€183k€179k▼
Income statement
Code20232024
Remuneration, social security and pensions62€31k€30k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€5k€5k▼
Gross operating margin9900€-125k€195k▲
Operating profit (loss)9901€-165k€155k▲
Financial income75/76B€38k€6k▼
Recurring financial income75€38k€6k▼
Financial charges65/66B€9k€11k▲
Recurring financial charges65€9k€11k▲
Profit (loss) for the period before taxes9903€-137k€150k▲
Income taxes67/77€3k€9k▲
Profit (loss) for the period9904€-140k€142k▲
Profit (loss) for the period to be appropriated9905€-140k€142k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-140k€142k▲
Transfer from equity791/2€140k-
Transfer to equity691/2-€142k
To other reserves6921-€142k
Social balance
Average headcount (FTE)9087-0.8
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
15-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 46 days late
01-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 244 days late
2024
31-12
Financial
Back to profitnet €142k
Net result €142k after 2 loss-making years.
31-12
Financial
Equity above €500kEq €547k ▲40%
Equity rises from €391k to €547k.
2023
31-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 153 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
2021
31-12
Financial
Back to profitnet €105k
Net result €105k after 2 loss-making years.
31-12
Financial
Equity above €500kEq €584k ▲22%
Equity rises from €479k to €584k.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 20 days late
03-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 307 days late
2020
31-12
Financial
Equity above €200kEq €479k
Equity rises from €-335k to €479k.
2019
31-12
Financial
Weakest financial yearnet €-1.02M ▼2423%
Net result drops to €-1.02M, the lowest in the series; recovery starts the following year.
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 57 days late
15-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 288 days late
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Antwerpen · 1 establishment unit since 1994
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.
Hoveniersstraat 22018 AntwerpenGround area
3,604 m²
Building footprint
2,774 m²
Volume, LiDAR
71,494 m³
Parcel 11808H1178/00F008, Flanders · tallest building 45.0 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
ZLAYET & SONS DIAMONDS BVBA
since 19942.065.417.931
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1178/00F008 | Flanders | 3,604 m² | 1 · 2,774 m² | 45.0 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.
Similar companies · same sector, comparable size
BEDIMEX
BE 0452.776.204
Antwerpen · Eq €545k
Orion Diam
BE 0657.877.853
Antwerpen · Eq €550k
GEM DESIGN
BE 0845.519.504
Edegem · Eq €550k
ELIDIAM
BE 0453.918.725
Antwerpen · Eq €539k
DIABEX
BE 0460.287.962
Antwerpen · Eq €535k
Of 1,229 companies in sector 46861 we hold annual accounts for 678. 483 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-01-1994
Fiscal year end31-12
Activities, NACEBEL
46861Wholesale of diamonds and other precious stones
51561
46180Agents specialised in the wholesale of other particular products
51180
Sources
Crossroads Bank for EnterprisesNational Bank · 31 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.