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ZN Motors

Active
Private limited companyfounded 2018active for 7 yearsToevluchtweg 19, 8620 Nieuwpoort, BelgiumKBO/BCE: BE 0716.674.996

From the official registers: KBO 6 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

ZN Motors has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18,600 and a net result of €43,510. Equity has been shrinking by about 22% per year since 2020. If that trend continues, it turns negative around financial year 2027. Its solvency ranks better than 29% of 22,726 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Overview

Official details

KBO
Status
Active since 20-12-2018 Normal situation
Activity
Retail sale of cars and light vans (up to 3.5 tonnes) NACE 47811and 3 others
Establishment unit
2.287.164.186 8620 Nieuwpoort, since 01-04-2019
Financial year end
30 June
Peppol
Reachable since 20-01-2026

Board and ownership

Board

Financial position

68 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.8%
Annual accounts to 30-06-2025
Gross margin
€61,923
▲ 468%
Turnover
≈ €470,000
estimated
Profit
€43,510
▲ 496%
Equity
€18,600
▼ 67.0%
Total assets
€209,788
▲ 26.7%
Filed on 02-02-2026, 2 days after the deadlinePDF
Score breakdownraises riskSector: Retail trade (NACE 47)Equity €18,600 (8.9% of total assets)Founded in 2018lowers riskLiquidity: current ratio 1.08, cash €82,311Show the evidence

Checked score

Score 2025
68 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 42% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Average
Solvency 34-25
equity 8.9% of total assets
Liquidity 49-16
short-term debt 91.1% · cash 39.2%
Profitability 89+15
return on assets 20.7%
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,270 companies, NACE 47, micro)
Last 24 months 11-2024: 1.0% 12-2024: 0.9%▼ -0.1 percentage points vs 11-2024 01-2025: 1.1%▲ +0.2 percentage points vs 12-2024highest value 02-2025: 0.3%▼ -0.8 percentage points vs 01-2025 03-2025: 0.3%● unchanged vs 02-2025 04-2025: 0.3%● unchanged vs 03-2025 05-2025: 0.3%● unchanged vs 04-2025 06-2025: 0.3%● unchanged vs 05-2025 07-2025: 0.3%● unchanged vs 06-2025lowest value 08-2025: 0.3%● unchanged vs 07-2025lowest value 09-2025: 0.3%● unchanged vs 08-2025lowest value 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.7%▲ +0.4 percentage points vs 01-2026 03-2026: 0.8%▲ +0.1 percentage points vs 02-2026 04-2026: 0.8%● unchanged vs 03-2026 05-2026: 0.8%● unchanged vs 04-2026 06-2026: 0.8%● unchanged vs 05-2026 07-2026: 0.8%● unchanged vs 06-2026 08-2026: 0.7%▼ -0.1 percentage points vs 07-2026 09-2026: 0.7%● unchanged vs 08-2026 10-2026: 0.8%▲ +0.1 percentage points vs 09-2026
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.08 (1.48 in 2024), below the usual 1.5. Short-term debt is 91.1% and cash 39.2% of total assets. 91.1% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 26% of them on solvency, 49% on liquidity, 84% on profitability and 9% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · Equity €18,600 (8.9% of total assets)
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.08, cash €82,311
NBB · annual accounts
raises risk · Founded in 2018
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filings
Deviation from the deadline
2025
2 days late
2024
2 days early
2023
on the day
2022
8 days early
2021
19 days early
2020
3 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 5 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 29 January (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end01-11-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Higher net result than 86% of companies in retail tradesector median €5,089 · 22,707 companies €43,510 View
  • Positive: 6 profitable years in a rowprofit 2025: €43,510 6 years View

Comparable companies

These companies have the same main activity as ZN Motors: retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811). They are comparable in size and age: total assets between €181,000 and €237,000, founded between 2017 and 2020.

CompanyTotal assetsGross margin
ZN Motors Nieuwpoort€209,788€61,923
CARSTEAM Zedelgem€225,509€84,483
M&Y CAR Machelen (Brab.)€181,415€63,276
Car Center Bonneux Herk-de-Stad€237,155€49,961
SC Performance Cars Ninove€232,177€56,496
AUTO BUJAR Wavre€213,627€85,729
Groep Leopold Leopoldsburg€185,306€48,156
Full comparison

Documents

Annual accounts at the NBB

All 6 annual accounts

Articles and registers

Key facts about ZN Motors

What is the company number of ZN Motors?
The company number of ZN Motors is 0716.674.996. The VAT number is the same number with BE in front: BE 0716.674.996.
Where is ZN Motors based?
The registered office is at Toevluchtweg 19, 8620 Nieuwpoort.Company details
What does ZN Motors do?
According to the KBO register, the main activity is retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811).
What is the legal form of ZN Motors?
The legal form of ZN Motors is Private limited company (BV).
When was ZN Motors founded?
ZN Motors was founded on 20-12-2018.
Is ZN Motors still active?
Yes, ZN Motors is an active enterprise in the KBO register.
What is the turnover of ZN Motors?
The turnover in financial year 2025 is ≈ €470,000. This figure is estimated from the gross margin of €61,923 and 34 comparable companies (NACE 47811). It probably lies between €280,000 and €1.1m.Financials
Is ZN Motors profitable?
In financial year 2025, ZN Motors made a profit of €43,510.
Where can I find the annual accounts of ZN Motors?
ZN Motors filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts 2025 (PDF)
When are the next annual accounts of ZN Motors due?
ZN Motors must file the annual accounts for financial year 2026 by 31-01-2027.Timeline

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