Financials
- Financial year
- 2025
- Total assets
- €8,600
- Loss
- -€1,432
- Solvency
- 87.1%
ZM-CHIP
ActiveSummary
ZM-CHIP has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7,491 and a net result of -€1,432. Equity is growing by about 30% per year across the filed financial years. Its solvency ranks better than 92% of 3,264 sector peers (NACE 95, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Overview
Activity
General maintenance and repair of cars and light vans (up to 3.5 tonnes)
NACE 95311
1 site
Size
€8,600total assets 2025
- Equity
- €7,491
- Loss
- -€1,432
Turnover not published (micro format)
Structure
2025 accounts filed 31 days late3 deeds in the Belgian Official Gazette
Why 83raises riskLast filed accounts filed 31 days late; 1 of the last 3 lateFounded in 2021lowers riskLiquidity: current ratio 6.85, cash €4,268, halvedEquity €7,491 (87.1% of total assets)Show the evidence
Checked score
Score 2025
83
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 57% of its sector peers (NACE 95, micro)
Financial strength · tick = 2024
Strong
Solvency
100+18
equity 87.1% of total assets
Liquidity
98+19
short-term debt 12.9% · cash 49.6%
Profitability
37-63
return on assets -16.7%
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 1.1%
12-2024: 1.1%● unchanged vs 11-2024
01-2025: 1.3%▲ +0.2 percentage points vs 12-2024
02-2025: 1.6%▲ +0.3 percentage points vs 01-2025
03-2025: 1.6%● unchanged vs 02-2025
04-2025: 1.6%● unchanged vs 03-2025highest value
05-2025: 1.2%▼ -0.4 percentage points vs 04-2025
06-2025: 0.6%▼ -0.6 percentage points vs 05-2025
07-2025: 0.6%● unchanged vs 06-2025
08-2025: 0.6%● unchanged vs 07-2025
09-2025: 0.6%● unchanged vs 08-2025
10-2025: 0.6%● unchanged vs 09-2025
11-2025: 0.6%● unchanged vs 10-2025
12-2025: 0.6%● unchanged vs 11-2025
01-2026: 0.6%● unchanged vs 12-2025
02-2026: 0.6%● unchanged vs 01-2026
03-2026: 0.6%● unchanged vs 02-2026
04-2026: 0.6%● unchanged vs 03-2026
05-2026: 0.9%▲ +0.3 percentage points vs 04-2026
06-2026: 1.0%▲ +0.1 percentage points vs 05-2026
07-2026: 0.5%▼ -0.5 percentage points vs 06-2026lowest value
08-2026: 0.5%● unchanged vs 07-2026
09-2026: 0.5%● unchanged vs 08-2026
10-2026: 0.5%● unchanged vs 09-2026
Credit of up to €500 on 30-day terms is acceptable
Liquidity ample (current ratio 6.85, compared with 2.17 in 2024, above the usual 1.5; short-term debt: 12.9% and cash: 49.6% of total assets), and 12.9% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 95, micro): better than 92% on solvency, 95% on liquidity, 22% on profitability and 19% on growth.
The bankruptcy probability was computed on 24-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-05-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filingsDeviation from the deadline
2025
31 days late
2024
30 days late
2023
28 days late
2022
31 days late
2021
30 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 30 days after the deadline; the sector median (NACE 95) for financial year 2024 is on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 30 May (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end25-10-2026 today30-04-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Weakest financial yearnet -€1,432
- Liquidity more than triplescurrent ratio 6.85
Key points
By topic
Timeline
- Events
- 8
- Since
- 2022
- Next accounts
- by 30-04-2027
- 30-05-2025Annual accounts filed
- 30-09-2024Highest result from 2021 to 2025
- 28-05-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- General maintenance and repair of cars and light…NACE 95311
- Founded
- 23-01-2021
- Year ends
- 30-09
- Peppol
- Reachable for e-invoices
Key facts about ZM-CHIP
- What is the company number of ZM-CHIP?
- 0761.965.880. In Belgium the VAT number is the company number with BE in front: BE 0761.965.880.
- Where is ZM-CHIP based?
- The registered office is at Neerhoeve 27, 2900 Schoten.Company details
- What does ZM-CHIP do?
- According to the KBO register, the main activity is general maintenance and repair of cars and light vans (up to 3.5 tonnes) (NACE 95311).
- What is the legal form of ZM-CHIP?
- Private limited company (BV).
- When was ZM-CHIP founded?
- On 23-01-2021.
- Is ZM-CHIP still active?
- Yes, ZM-CHIP is an active enterprise in the KBO register.
- What is the turnover of ZM-CHIP?
- €32,321 in financial year 2021, according to the filed annual accounts.Financials
- Is ZM-CHIP profitable?
- In financial year 2025, ZM-CHIP made a loss of €1,432.
- Where can I find the annual accounts of ZM-CHIP?
- ZM-CHIP filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ZM-CHIP due?
- By 30-04-2027, for financial year 2026.Timeline
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