Checked.be
Active
BE 0787.866.959Private limited company
ZMACK
Harmoniestraat 68 ·2018 Antwerpen, Belgium· 4 yrs active
Sector: Human health
(86220)
Conclusion
The computed 12-month bankruptcy probability of ZMACK is 0.5% (very low). The 2024 annual accounts show equity of €13k. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 10% of 382 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 3 annual accounts.
Key figures
| Equity | €13k |
| Staff (FTE) | 36.2 |
| Better than sector | 10% |
| Active | 4 yrs |
Snowflake analysis
59
/ 100
Mixed profile: strong on stability, weaker on solvency.
Health
61
Profitability
50
Solvency
15
Growth
75
Stability
94
Bankruptcy probability (12 mo)
0.5%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Multiple establishment units
+Young company
+
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
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
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
61
/ 100
Healthy
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 19-06-2025 with the NBB · fiscal year 2024 · verkort
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~4.2%/year over 3 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 86, Human health · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 0.3% | 50.3% | |
| Equity | €13k | €127k | |
| Gross operating margin | €2.59M | €179k | |
| Staff costs | €2.43M | €134k | |
| Employees (FTE) | 36.2 | 2.2 |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€136k
+11.2%
-32% vs sector
€4.51M
+0.4%
+191% vs sector
€13k
+8.3%
-99% vs sector
€622k
-
+8% vs sector
36
+6.8%
far above sector median
€2.43M
+19.8%
far above sector median
€15k
-25.7%
-65% vs sector
€4.50M
+0.4%
far above sector median
€3.72M
-13.1%
far above sector median
€99k
-50.6%
-82% vs sector
1.17
+16.7%
-87% vs sector
1.17
+16.7%
-87% vs sector
0.3%
+7.9%
-100% vs sector
346.24
-7.3%
far above sector median
4.35
-50.3%
-93% vs sector
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Revenue | - |
| EBITDA | €136k |
| Net profit | - |
| Cash flow | - |
| Staff costs | €2.43M |
| Income taxes | €15k |
| Dividends | - |
| Total assets | €4.51M |
| Equity | €13k |
| Debt | €4.50M |
| of which ≤ 1y | €3.72M |
| of which > 1y | €99k |
| Working capital | €622k |
| Employees (FTE) | 36.2 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.17 |
| Quick ratio | 1.17 |
| Working capital ratio | 13.8% |
| Solvency | 0.3% |
| Debt / equity | 346.24 |
| Long-term debt ratio | 7.60 |
| Interest coverage | 4.35 |
| Gross margin | - |
| Net margin | - |
| ROA | - |
| ROE | - |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €4.51M |
| Fixed assets | 21/28 | €172k |
| Intangible fixed assets | 21 | €52k |
| Tangible fixed assets | 22/27 | €115k |
| Financial fixed assets | 28 | €5k |
| Current assets | 29/58 | €4.34M |
| Amounts receivable within one year | 40/41 | €322k |
| Cash & bank | 54/58 | €91k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €4.51M |
| Equity | 10/15 | €13k |
| Contributions / capital | 10/11 | €13k |
| Amounts payable | 17/49 | €4.50M |
| Amounts payable after one year | 17 | €99k |
| Amounts payable within one year | 42/48 | €3.72M |
| Trade debts payable within one year | 44 | €3.36M |
| Income statement | ||
| Gross operating margin | 9900 | €2.59M |
| Operating result | 9901 | €46k |
| Financial income | 75 | €164 |
| Financial charges | 65 | €31k |
| Result before taxes | 9903 | €15k |
| Income taxes | 67/77 | €15k |
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Directors & mandates
Current directors & mandates
-
Current18-11-2025 → present
-
Current18-11-2025 → present
-
Current17-01-2025 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
| NACE primary | Human health(86220) |
| Legal form | Private limited company(610) |
| Incorporation | 30-06-2022 |
| Status | Active |
| Postal code | 2018 |
Establishment units
ZMACK
since 20222.332.678.665
ZMACK
since 20222.332.678.764
ZMACK
since 20222.332.678.863
ZMACK
since 20222.332.678.962
ZMACK
since 20222.332.679.061
ZMACK
since 20222.332.679.160
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
6
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11324D0001/00V000 | Flanders | 4.5 ha | 1 · 2,435 m² | 22.8 m · 2 fl. |
| 11036A0106/00Y000 | Flanders | 4.0 ha | 1 · 9,329 m² | 25.2 m · 5 fl. |
| 11472C0079/00E000 | Flanders | 3.4 ha | 1 · 2.7 ha | - |
| 12021K0516/00S000 | Flanders | 2.9 ha | 1 · 4,195 m² | 30.7 m · 6 fl. |
| 11345B0223/00F005 | Flanders | 8,821 m² | 1 · 1.2 ha | - |
| 11810K2768/00G000 | Flanders | 6,914 m² | 1 · 5,069 m² | 30.2 m · 5 fl. |
Methodology
via registered seat: 1 · via establishment units: 5
6 of 6 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.
2025
18-11-2025
State Gazette act
Director changes
19-06-2025
NBB filing
Annual accounts filed
17-01-2025
State Gazette act
Director changes
2024
13-06-2024
NBB filing
Annual accounts filed
2023
09-06-2023
NBB filing
Annual accounts filed
2022
04-07-2022
State Gazette act
Incorporation
Belgisch Staatsblad, acts
All acts · 3
updated 8 months ago
2025
18-11-2025 2 directors appointed
- Michel BILA, Bestuurder
- Pasquier CORTHOUTS, Bestuurder
Summary:
v3.2
Technical details
{
"events": [
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Michel BILA",
"address": null,
"birth_date": null
},
"evidence_quote": "De vergadering beslist met eenparigheid van stemmen om als bijkomende niet-statutaire bestuurders aan te stellen: De heer Michel BILA, vertegenwoordigd als voormeld en die aanvaardt."
},
{
"kind": "director_in",
"role": "bestuurder",
"person": {
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"name": "Pasquier CORTHOUTS",
"address": null,
"birth_date": null
},
"evidence_quote": "De vergadering beslist met eenparigheid van stemmen om als bijkomende niet-statutaire bestuurders aan te stellen: De heer Pasquier CORTHOUTS, vertegenwoordigd als voormeld en die aanvaardt."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0787.866.959",
"name_full": "ZMACK",
"legal_form": "BV"
}
}17-01-2025 Dries Govaerts appointed as director
- Dries Govaerts, Bestuurder
Summary:
v3.2
Technical details
{
"events": [
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Dries Govaerts",
"address": null,
"birth_date": null
},
"evidence_quote": "De vergadering beslist met eenparigheid van stemmen om als bijkomende niet-statutaire bestuurder aan te stellen: De heer Dries Govaerts, vertegenwoordigd als voormeld en die aanvaardt."
}
],
"schema": "v3.2",
"act_meta": {
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"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0787.866.959",
"name_full": "ZMACK",
"legal_form": "BV"
}
}2022
04-07-2022 Incorporation of a new NV
Summary:
oprichting
Technical details
{
"kind": "oprichting",
"seat": "2018 Antwerpen, Harmoniestraat 68",
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"founders": [],
"capital_eur": null,
"subject_company": {
"kbo": "0787.866.959",
"name_full": "ZMACK",
"legal_form": "NV"
},
"initial_directors": [],
"incorporation_date": null,
"post_incorporation_mandates": []
}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.
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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 | ZMACK |
Registered office
Harmoniestraat 68
2018 Antwerpen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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