Equity
-€218
Debts exceed assets in financial year 2025.
ZM CONSTRUCT
Lifetime
5 annual accounts with figures on one time axispeak €69,191 (2022)
€2,765▼ 91.8%
lowest -€9,698 (2025)
-€9,698▼ €7,964
peak €11,214 (2023)
-€218▼ €9,698
€106,250▼ 44.8%
Board1 name since 2020
1 director
Documentsfilings and deeds
28-04-20262 days before the deadline
2025micro format
Gross margin from €33,654 to €2,765Loss of €9,698Equity from €9,480 to -€218Debts from €192,392 to €106,250
Key points
from the 2025 annual accountsLosses
-€11,432 in two years
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
Turnover
≈ €35,000 estimated
The micro format states no turnover.
Debts
€106,250 100% of the balance sheet
Financial debts 28%Suppliers 32%Taxes and wages 4%Other 36%
Filings
5 annual accounts 2 late
The 2021 accounts came latest: 19 days after the end of the period.
Position in the sector
-€218
Less equity than 90% of companies in specialised construction. Sector median €57,716 · 35,168 companies.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 1,564 companies had the same profile as ZM CONSTRUCT has now. Each dot stands for 4 companies, two years later.
88.9%
were still trading
5.4%
stopped another way
5.1%
went bankrupt
Another 0.6% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,564 companies, not a prediction for ZM CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
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Signals
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0759896119
First establishment
Chaussée de Nivelles 236, Seneffe
Incorporation
Founding capital of €2,000, 100 shares · Founder: (comparant) · Appointment: (director) · published on 21-12-2020 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ZM CONSTRUCT Seneffe | €106,032 | €2,765 | -0.2% | - |
| Eclips Projects Genk | €88,446 | €3,666 | 47.0% | - |
| Jaderi Projects Kapellen | €81,722 | €4,365 | 87.7% | - |
| WHYSTONE Zaventem | €140,047 | €2,114 | 12.0% | - |
| H.M.G. Bekkevoort | €115,165 | €6,460 | 94.2% | - |
| D’JOOS – VAN DEN EYNDE Glabbeek | €153,549 | €5,700 | 41.6% | - |
| JELLE VERMEIRE HVAC Wingene | €91,737 | €1,120 | -12.7% | - |
These companies have the same main activity as ZM CONSTRUCT: other construction installation (NACE 43240). They are comparable in size and age: total assets between €81,700 and €154,000, founded between 2018 and 2022.
Official details
Source: KBO- Status
- Active since 17-12-2020Normal situation
- Activity
- Other construction installationNACE 43240and 4 others
- Establishment unit
- 2.311.622.5397181 Seneffe, since 01-01-2021
- Financial year end
- 30 September
- Peppol
- Reachable since 12-01-2026
Annual accounts to 30-09-2025
- €106,032▼ 47.5%
- Filing
- Filed on 28-04-2026, 2 days before the end of the filing period
Insights on ZM CONSTRUCT
ZM CONSTRUCT files the micro format. That format states no turnover. The gross margin fell from €18,447 in 2021 to €2,765 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about ZM CONSTRUCT
- What is the company number of ZM CONSTRUCT?
- The company number of ZM CONSTRUCT is 0759.896.119. The VAT number is the same number with BE in front: BE 0759.896.119.
- Where is ZM CONSTRUCT based?
- The registered office is at Chaussée de Nivelles 236, 7181 Seneffe.Company details
- What does ZM CONSTRUCT do?
- According to the KBO register, the main activity is other construction installation (NACE 43240).
- What is the legal form of ZM CONSTRUCT?
- ZM CONSTRUCT is a private limited company (BV).
- When was ZM CONSTRUCT founded?
- ZM CONSTRUCT was founded on 17-12-2020.
- Is ZM CONSTRUCT still active?
- Yes, ZM CONSTRUCT is an active enterprise in the KBO register.
- What is the turnover of ZM CONSTRUCT?
- The turnover in financial year 2025 is ≈ €35,000. This figure is estimated from the gross margin of €2,765 and 34 comparable companies (NACE 43240). It probably lies between €16,000 and €67,000. It is a rough estimate.Financials
- Is ZM CONSTRUCT profitable?
- In financial year 2025, ZM CONSTRUCT made a loss of €9,698.
- Where can I find the annual accounts of ZM CONSTRUCT?
- ZM CONSTRUCT filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ZM CONSTRUCT due?
- ZM CONSTRUCT must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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