ZMA
ActiveSummary
ZMA has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69,740 and a net result of €115,740. Its solvency ranks better than 32% of 16666 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes
Profitability100
Solvency64
Growth-
Track record67
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity tight (current ratio 1.2; short-term debt: 60.5% and cash: 47.5% of total assets), and 60.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
39.5%
Return on assets
65.5%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-01-2026, 4 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
4 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
History
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Financials · fiscal year 2025, micro schema
Equity
€69,740
Total assets
€176,718
Net result
€115,740
Working capital
€21,775
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €176,718
Fixed assets
€47,965
Current assets
€128,753
Equity and liabilities €176,718
Equity
€69,740
Debt
€106,978
Debt finances 60.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€169,023
Cash flow
€126,503
Current ratio
1.20
Debt to equity
1.53
ROE
166.0%
ROA
65.5%
Interest coverage
5576.49
Debt ≤ 1 year
€106,978
Income taxes
€42,626
Annual accounts
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,763 |
| Other operating charges640/8 | €344 |
| Gross operating margin9900 | €169,367 |
| Operating profit (loss)9901 | €158,260 |
| Financial income75/76B | €136 |
| Recurring financial income75 | €136 |
| Financial charges65/66B | €30 |
| Recurring financial charges65 | €30 |
| Profit (loss) for the period before taxes9903 | €158,366 |
| Income taxes67/77 | €42,626 |
| Profit (loss) for the period9904 | €115,740 |
| Profit (loss) for the period to be appropriated9905 | €115,740 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €176,718 | |
| Fixed assets21/28 | €47,965 | |
| Tangible fixed assets22/27 | €47,965 | |
| Furniture and vehicles24 | €47,965 | |
| Current assets29/58 | €128,753 | |
| Amounts receivable within one year40/41 | €43,843 | |
| Trade receivables40 | €33,302 | |
| Other amounts receivable41 | €10,541 | |
| Cash at bank and in hand54/58 | €83,855 | |
| Deferred charges and accrued income490/1 | €1,055 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €176,718 | |
| Equity10/15 | €69,740 | |
| Contributions10/11 | €2,000 | |
| Reserves13 | €67,740 | |
| Distributable reserves133 | €67,740 | |
| Profit (loss) carried forward14 | €0 | |
| Amounts payable17/49 | €106,978 | |
| Amounts payable within one year42/48 | €106,978 | |
| Trade debts44 | €1,626 | |
| Suppliers440/4 | €1,626 | |
| Taxes, remuneration and social security45 | €57,352 | |
| Taxes450/3 | €57,352 | |
| Other amounts payable47/48 | €48,000 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €115,740 |
| + Depreciation and write-downs630 | €10,763 |
| Operating cash flow (approximation) | €126,503 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Gent · 1 establishment unit since 2024
Ground area
838 m²
Building footprint
322 m²
2 parcels, Flanders. Linked by address, not a title deed.
1 establishment unit
ZMA
since 20242.357.668.142
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44808H0258/00E003 | Flanders | 570 m² | 1 · 267 m² | - |
| 44074B0596/00A000 | Flanders | 268 m² | 1 · 54 m² | 0.0 m |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
DOCTEUR REZA CHAMLOU
BE 0817.904.691
Brussel · Eq €69,717
FEHRAZMED
BE 0866.320.559
Sint-Jans-Molenbeek · Eq €69,705
UROCLINIC
BE 0719.559.460
Tervuren · Eq €69,779
XAVIER MATHY
BE 0735.959.289
Sprimont · Eq €69,918
DR. EVELYNE DUBOIS
BE 0777.849.136
Hasselt · Eq €69,995
Of 16,630 companies in sector 86220 we hold annual accounts for 7,981. 5,713 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded14-03-2024
Fiscal year end30-06
Activities, NACEBEL 2025
86220Specialist medical practice
Scores and ratios are computed by Checked and are not a credit decision.