Equity
-€218
Debts exceed assets in financial year 2025.
ZM CONSTRUCT
Overview
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
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
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
- €2,765▼ 91.8%
- €9,698▲ 459%
- -€218
- €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.
Financials
Annual accounts 2025
micro format, filed on 28-04-2026, 2 days before the deadline€2,765
▼ 91.8%
€2,877
▼ 75.6%
-€9,698
▼ €7,964
-€492
▼ €2,271
-0.2%
▼ 4.9 percentage points
1.00
▼ 0.02
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €35,000. Estimated: probably between €16,000 and €67,000.
Balance sheet
balance sheet total €106,032 on 30-09-2025What the company ownsHow it is paid for
in euro
Position in the sector
-0.2%
Higher than 9% of 35,156 companies in 2025.
1.00
Higher than 21% of 34,529 companies in 2025.
-9.1%
Higher than 13% of 34,730 companies in 2025.
ZM CONSTRUCT
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: middle half · Working capital: bottom quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||
20/58 |
106,032 | 201,872 | 276,581 | 219,301 | 136,931 | |
21/28 |
275 | 63,016 | 51,830 | 30,507 | 39,055 | |
22/27 |
- | 62,741 | 51,555 | 30,232 | 38,905 | |
24 |
- | - | 200 | 600 | 1,000 | |
25 |
- | 62,741 | 51,355 | 29,632 | 37,905 | |
28 |
275 | 275 | 275 | 275 | 150 | |
29/58 |
105,758 | 138,856 | 224,751 | 188,794 | 97,876 | |
29 |
1,473 | 1,473 | 1,473 | 1,928 | - | |
291 |
1,473 | 1,473 | 1,473 | 1,928 | - | |
3 |
- | 11,955 | - | - | - | |
30/36 |
- | 11,955 | - | - | - | |
40/41 |
83,845 | 122,177 | 221,051 | 179,277 | 97,263 | |
40 |
83,370 | 108,706 | 220,690 | 176,395 | 96,894 | |
41 |
475 | 13,471 | 361 | 2,882 | 369 | |
54/58 |
20,440 | - | 1,044 | 4,722 | 506 | |
490/1 |
- | 3,251 | 1,183 | 2,867 | 107 | |
| Balance sheet: equity and liabilities | ||||||
10/49 |
106,032 | 201,872 | 276,581 | 219,301 | 136,931 | |
10/15 |
-218 | 9,480 | 11,214 | 8,668 | 2,976 | |
10/11 |
2,000 | 2,000 | 2,000 | 2,000 | 2,000 | |
13 |
200 | 200 | 200 | 200 | 200 | |
130/1 |
200 | 200 | 200 | 200 | 200 | |
1311 |
200 | 200 | 200 | 200 | 200 | |
14 |
-2,418 | 7,280 | 9,014 | 6,468 | 776 | |
17/49 |
106,250 | 192,392 | 265,367 | 210,633 | 133,955 | |
17 |
- | 55,315 | 44,456 | 25,651 | 32,377 | |
170/4 |
- | 55,315 | 44,456 | 25,651 | 32,377 | |
42/48 |
106,250 | 137,077 | 220,421 | 184,982 | 100,968 | |
42 |
11,375 | 26,307 | 13,499 | 6,726 | 6,394 | |
43 |
30,000 | 30,006 | 30,000 | 30,000 | 28,000 | |
430/8 |
30,000 | 30,006 | 30,000 | 30,000 | 28,000 | |
44 |
33,826 | 41,905 | 152,270 | 137,593 | 50,932 | |
440/4 |
33,826 | 41,905 | 152,270 | 137,593 | 50,932 | |
46 |
- | - | - | - | 5,000 | |
45 |
4,022 | 6,330 | 9,386 | 6,264 | 8,346 | |
450/3 |
4,022 | 6,205 | 5,560 | 2,978 | 616 | |
454/9 |
- | 125 | 3,826 | 3,286 | 7,730 | |
47/48 |
27,027 | 32,529 | 15,266 | 4,399 | 2,296 | |
492/3 |
- | - | 490 | - | 610 | |
| Income statement | ||||||
76A |
6,671 | 6,158 | - | - | - | |
9900 |
2,765 | 33,654 | 33,709 | 69,191 | 18,447 | |
62 |
- | - | 5,848 | 47,139 | 10,809 | |
630 |
- | 15,787 | 11,399 | 8,673 | 3,658 | |
640/8 |
- | 6,086 | 2,246 | 1,272 | 1,396 | |
66A |
-112 | - | - | - | - | |
9901 |
2,877 | 11,781 | 14,216 | 12,107 | 2,584 | |
75/76B |
0 | 2 | 0 | - | - | |
75 |
0 | 2 | 0 | - | - | |
65/66B |
12,575 | 11,704 | 8,886 | 3,517 | 992 | |
65 |
12,575 | 11,704 | 8,886 | 3,517 | 992 | |
9903 |
-9,698 | 79 | 5,330 | 8,590 | 1,592 | |
67/77 |
- | 1,813 | 2,784 | 2,898 | 616 | |
9904 |
-9,698 | -1,734 | 2,546 | 5,692 | 976 | |
9905 |
-9,698 | -1,734 | 2,546 | 5,692 | 976 | |
| Appropriation of the result | ||||||
9906 |
-2,418 | 7,280 | 9,014 | 6,468 | 976 | |
14P |
7,280 | 9,014 | 6,468 | 776 | - | |
691/2 |
- | - | - | - | 200 | |
6921 |
- | - | - | - | 200 | |
| Document | ||||||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 28-04-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-09-2025 | micro format | 28-04-2026 | 2026-00090641 | |
| 30-09-2024 | micro format | 29-04-2025 | 2025-00079907 | |
| 30-09-2023 | micro format | 29-04-2024 | 2024-00072738 | |
| 30-09-2022 | micro format | 01-05-2023 | 2023-00073486 | |
| 30-09-2021 | micro format | 19-05-2022 | 2022-20031631 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| - | 27,568 | 25,615 | 20,780 | 6,242 | ||
| - | 14,053 | 13,945 | 14,365 | 4,634 | ||
| - | 48,856 | 32,722 | 275 | 42,713 | ||
| - | - | -3,678 | 4,216 | - | ||
| -492 | 1,779 | 4,330 | 3,812 | -3,092 | ||
| -0.2% | 4.7% | 4.1% | 4.0% | 2.2% | ||
| 1.00 | 1.01 | 1.02 | 1.02 | 0.97 | ||
| 1.00 | 0.93 | 1.02 | 1.02 | 0.97 | ||
| - | 20.29 | 23.66 | 24.30 | 45.01 | ||
| - | -18.3% | 22.7% | 65.7% | 32.8% | ||
| -9.1% | -0.9% | 0.9% | 2.6% | 0.7% | ||
| - | 2.36 | 2.88 | 5.91 | 6.29 |
The equity ratios are withheld because equity of -€218 is too small for a meaningful ratio.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 30-09-2025 | 30-09-2024 | 30-09-2023 | 30-09-2022 | 30-09-2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | €48,856 | €32,722 | - | €42,563 |
| Financial fixed assets | - | - | - | €275 | €150 |
| - | €15,787 | €11,399 | €8,673 | €3,658 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Insights on ZM CONSTRUCT
The operating result for 2025 is 76% lower than in 2024 and the lowest since 2021. It is the second fall in a row.
Equity is negative. Debt (€106,250) exceeds the balance-sheet total (€106,032).
Board & ownership
Board
1 director, since incorporationMandates through the years
1 name, the dashed line is todayDirector (not named in the articles)
Board
Mandates as a list
-
- Director (not named in the articles), appointed by deed of 21-12-2020, still in office
Control
Founder
This company
ZM CONSTRUCT
Equity -€218
Loss €9,698 in 2025
Capital
- Contribution
- €2,000
- Shares
- 100
- Contribution per share
- €20
- Equity per share
- -€2.18 in 2025
- Source
- deed of 21-12-2020
Articles of association
deed of 21-12-2020 (in French)- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Wednesday of March at 18:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 21-12-2020 ↗
- 100 shares (100%) · €2,000 in cash
Network & group
No group
ZM CONSTRUCT has no parent and no holdings in its annual accounts. is the only director. ZM CONSTRUCT shares no director with another company.
At the same address
Chaussée de Nivelles 236, 7181 Seneffe · 1 other company| OPT
registered office since 21-10-2026 |
founded in 2026 1044.325.556 |
Timeline
Timeline
10 events since 2020Filings
Financial
Establishments
2020202220242026
Deadline for the 2026 accounts: 30-04-2027
2026
Annual accounts 2025 filed PDFmicro format · 2 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:0759896119
2025
Weakest financial year net -€9,698 The net result drops to -€9,698, the lowest from 2021 to 2025.
Annual accounts 2024 filed PDFmicro format · 1 day before the deadline
2024
Annual accounts 2023 filed PDFmicro format · 1 day before the deadline
2023
Annual accounts 2022 filed PDFmicro format · 1 day late
2022
Highest result from 2021 to 2025 net €5,692 ▲483% The net result of €5,692 is the highest of those years.
Annual accounts 2021 filed PDFmicro format · 19 days late
2021
First establishment Chaussée de Nivelles 236, Seneffe
2020
IncorporationFounding capital of €2,000, 100 shares · Founder: (comparant) · Appointment: (director) · published on 21-12-20204 points ▸
- Founder, (comparant)
- Founding capital, €2,000, 100 shares
- Registered office clause, Chaussée de Nivelles 236, 7181 Arquennes (Seneffe)
- Director appointment, (director (not named in the articles))
- The deed holds 4 more points.
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 0759.896.119
- VAT number
- BE 0759.896.119
- Peppol ID
- 0208:0759896119
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 17-12-2020
- Financial year
- ends on 30 September
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Wednesday of March at 18:00deed of 21-12-2020 (in French)
- Peppol
- Reachable since 12-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- ZM CONSTRUCT in French
- Entity type
- Legal entity
Activities
NACEBEL 202543240
Other construction installation main activity
43110
Demolition
43120
Site preparation
43230
Insulation installation
43320
Joinery installation
Codes under NACEBEL 2008
43299
Specialised construction activities main activity
43110
Demolition
43120
Site preparation
43291
Specialised construction activities
43320
Joinery installation
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L’activité d’entrepreneur en maçonnerie,béton,plafonneur-cimentier,carreleur,en ce compris le placement de…”deed of 21-12-2020 (in French)
27 activities
- L’activité d’entrepreneur en maçonnerie,béton,plafonneur-cimentier,carreleur,en ce compris le placement de vitres,vitrages,serres,vérandas,vitrines,miroirs,charpentes,menuiserie métalliques,plastiques et bois,toitures,ainsi que tout travaux de bâtiment,de terrassements,pose de chapes,montage de cloisons sèche à base de plâtre,tout travaux d’étanchéité d’immeubles,travaux d’isolation acoustique,thermique et antivibratoire,travaux de démolition,peintures industrielles,pose de papiers peints,de revêtements de sols en bois ou autres matières,installation de système de chauffage,de climatisation et de ventilations,plomberie,installations sanitaires,zinguerie,installations électriques en tous genres,pose de clinkers et travaux de jardinage,la création et l’entretien de jardins,de parcs et d’espaces verts pour installations sportives et autres,la construction de cheminées décoratives et de feux ouverts,l’activité d’une entreprise de lavage de vitres,de nettoyage et de désinfection de maison et locaux,meubles d’ameublement et objets divers,de ramonage de cheminée,en ce compris la fabrication et le garnissage de meubles,les travaux d’égouts,l’installation d’échafaudages,le rejointoyage et le nettoyage de façade,la ferronnerie,la pose de câbles et de canalisations divers,l’installation de stands pour foires et expositions,la création d’étalages et de décors,la décoration et l’aménagement intérieur,et plus particulièrement de magasins et de bureaux.De manière générale,l’entreprise générale du bâtiment,tous travaux,ayant pour objet la construction,l’achèvement,la finition,la rénovation et la démolition de tous immeubles,ainsi que la serrurerie
- Des travaux de construction
- De bar,de café,hotel,de debit de boissons
- Téléboutique,réseau,programmation informatique,création de site web
- Titre services(nettoyage à domicile,lessive,repassage,petits travaux de couture,préparation des repas,services de courses ménagères)
- Atelier de fabrication de tous produits de boulangerie et de pâtisserie,de tous produits alimentaires et non alimentaires
- Tous snacks bars,brasseries,hôtels salon de consommation,restaurants,tavernes,cafés,cabarets,discothèques,buffets,vestiaires pour publics,locations de places,salles d’organisation,de banquet et service traiteur
- La messagerie,les services de fax,de cabines téléphoniques et de photocopies de laboratoire et de développement photos,d’atelier de tournage,d’affûtage et de rectification de pièces mécaniques
- De taxis,car-wash,station service(tous carburants tels que mazout,diesel,gaz),garage avec atelier de réparation,entretien et dépannage,ainsi que tous accessoires automobiles
- D’un salon de coiffure
- Fournir tous services ou prestations au profit de toutes clientèles privées ou commerciales,notamment:le nettoyage et l’entretien d’immeubles,le nettoyage de vitres et de bureaux,de petits travaux de bureau,services intermédiaires,sous-traitance
- Développement des systèmes d’information liés au CTI(computer telephony intégration),achat et vente de matériel informatique lié à l’exploitation
- Toutes activités liées à la communication(téléphone,internet)au sens large
- Toutes activités de traduction de documents et autres
- Toute activité de construction,de démolition,de rénovation d’immeubles
- Import export des produits alimentaires
- Commerce de détail des produits alimentaires
- Commerce des vêtements pour enfants,femmes,hommes
- Matériaux de construction,matériel électrique et électronique et de plomberie
- Tous produits alimentaires tels fruits,légumes,conserves,produits laitiers,Produits de la mer,poissons,boucherie,articles de ménage et articles cadeaux
- Tous textiles en général,vêtements divers,chaussures,cordonnerie,serrurerie,valises et sacs maroquinerie dans le sens le plus large
- Tous produits de l’artisanat en général,tapisseries y compris les articles du tiers-monde
- Tous les articles de parfumerie,toilette,cosmétiques,produits de beauté,maquillage ainsi que savons et détergents
- Tous les articles d’horticulture tels que fleurs,plantes,articles de jardinage,aménagement et entretien de jardins et de pépinières
- Tous livres,antiquités,brocantes,objets de décoration,machines industrielles
- Tous appareils électroménagers,tous films de bandes magnétiques cassettes,tous articles imprimés ou enregistrés permettant leur lecture vision ou audition
- Tous matériaux de bureau et de l’informatique
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Chaussée de Nivelles 236 registered office 7181 Seneffe 43211 General electrical installation work | 01-01-2021 | 2.311.622.539 |
Buildings and parcels at the address
- Ground area
- 248 m²
- Buildings
- 44 m²
- Volume, LiDAR
- 223 m³
- Tallest building
- 6.5 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 52003C0008/00G000 | 248 m² | 1 · 44 m² | 6.5 m · 2 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0759.896.119