Checked.be
Active
BE 1007.133.281Private limited company
ZMA
Fabriekstraat 45 ·9032 Gent, Belgium· 2 yrs active
Sector: Human health
(86220)
Conclusion
The computed 12-month bankruptcy probability of ZMA is 0.2% (very low). The 2025 annual accounts show equity of €70k and a net result of €116k. Its solvency ranks better than 39% of 2187 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Key figures
| Equity | €70k |
| Net result | €116k |
| Better than sector | 39% |
| Active | 2 yrs |
Snowflake analysis
73
/ 100
Strong profile, led by profitability.
Health
81
Profitability
100
Solvency
65
Growth
50
Stability
67
Bankruptcy probability (12 mo)
0.2%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Annual accounts: healthy financial profile
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Risk Assessment
0 / 100
Low riskTrust signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags
No administrative flags
Health barometer
81
/ 100
Excellent
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview
Annual accounts filed on 27-01-2026 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 86, Human health · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 39.5% | 58.1% | |
| Net result | €116k | €60k | |
| Equity | €70k | €74k | |
| Gross operating margin | €169k | €96k | |
| Total assets | €177k | €186k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2025 |
|---|---|
| Revenue | - |
| EBITDA | €169k |
| Net profit | €116k |
| Cash flow | €127k |
| Staff costs | - |
| Income taxes | €43k |
| Dividends | €48k |
| Total assets | €177k |
| Equity | €70k |
| Debt | €107k |
| of which ≤ 1y | €107k |
| of which > 1y | - |
| Working capital | €22k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 1.20 |
| Quick ratio | 1.20 |
| Working capital ratio | 12.3% |
| Solvency | 39.5% |
| Debt / equity | 1.53 |
| Long-term debt ratio | - |
| Interest coverage | 5576.49 |
| Gross margin | - |
| Net margin | - |
| ROA | 65.5% |
| ROE | 166.0% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €177k |
| Fixed assets | 21/28 | €48k |
| Tangible fixed assets | 22/27 | €48k |
| Current assets | 29/58 | €129k |
| Amounts receivable within one year | 40/41 | €44k |
| Cash & bank | 54/58 | €84k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €177k |
| Equity | 10/15 | €70k |
| Contributions / capital | 10/11 | €2k |
| Reserves | 13 | €68k |
| Accumulated profits (losses) | 14 | €0 |
| Amounts payable | 17/49 | €107k |
| Amounts payable within one year | 42/48 | €107k |
| Trade debts payable within one year | 44 | €2k |
| Income statement | ||
| Gross operating margin | 9900 | €169k |
| Operating result | 9901 | €158k |
| Financial income | 75 | €136 |
| Financial charges | 65 | €30 |
| Result before taxes | 9903 | €158k |
| Income taxes | 67/77 | €43k |
| Net result for the period | 9904 | €116k |
| Result to be appropriated | 9905 | €116k |
Ratios computed by Checked.
Legal Structure
| NACE primary | Human health(86220) |
| Legal form | Private limited company(610) |
| Incorporation | 14-03-2024 |
| Status | Active |
| Postal code | 9032 |
Establishment units
ZMA
since 20242.357.668.142
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
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 |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
2026
27-01-2026
NBB filing
Annual accounts filed
Credit advice
AI due-diligence brief
Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Coming soon
AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE)
Activities
Praktijken van specialisten86220Activiteiten van medisch specialisten86220
Primary activity highlighted.
Names & trade names
| Legal nameNL | ZMA |
Registered office
Fabriekstraat 45
9032 Gent, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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