Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of Zo-Fier is 0.9% (low). The 2025 annual accounts show equity of €8.47M and a net result of €-777k. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 57% of 30 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 3 annual accounts.
Signals
1 signal · with evidenceSignals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Trust signals
3 signalsAdministrative Flags
0 eventsBankruptcy probability (12 mo)
Checked model v1 · free for everyoneStatistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Annual accounts & ratios
Source: NBB · 2025How 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).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 27.3% | 26.1% | |
| Equity | €8.47M | €6.03M | |
| Total assets | €30.97M | €26.24M |
| Fiscal year | 2025 |
|---|---|
| Revenue | €2.48M |
| EBITDA | €1.84M |
| Net profit | €-777k |
| Cash flow | €777k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €30.97M |
| Equity | €8.47M |
| Debt | €22.42M |
| of which ≤ 1y | €1.34M |
| of which > 1y | €20.96M |
| Working capital | €355k |
| Employees (FTE) | - |
| 2025 | |
|---|---|
| Current ratio | 1.26 |
| Quick ratio | 1.26 |
| Working capital ratio | 1.1% |
| Solvency | 27.3% |
| Debt / equity | 2.65 |
| Long-term debt ratio | 2.48 |
| Interest coverage | 1.72 |
| Gross margin | - |
| Net margin | -31.3% |
| ROA | -2.5% |
| ROE | -9.2% |
| EBITDA margin | 74.1% |
| Days sales outstanding | 175d |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €30.97M |
| Fixed assets | 21/28 | €29.27M |
| Formation expenses | 20 | €60 |
| Tangible fixed assets | 22/27 | €29.27M |
| Current assets | 29/58 | €1.70M |
| Amounts receivable within one year | 40/41 | €1.59M |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €30.97M |
| Equity | 10/15 | €8.47M |
| Contributions / capital | 10/11 | €9.84M |
| Reserves | 13 | €53k |
| Accumulated profits (losses) | 14 | €-1.43M |
| Provisions & deferred taxes | 16 | €92k |
| Amounts payable | 17/49 | €22.42M |
| Amounts payable after one year | 17 | €20.96M |
| Amounts payable within one year | 42/48 | €1.34M |
| Trade debts payable within one year | 44 | €216k |
| Income statement | ||
| Turnover | 70 | €2.48M |
| Operating result | 9901 | €282k |
| Financial income | 75 | €6k |
| Financial charges | 65 | €1.07M |
| Result before taxes | 9903 | €-777k |
| Net result for the period | 9904 | €-777k |
| Result to be appropriated | 9905 | €-777k |
Health barometer
FY 2025 · computedUnlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21014A0004/00Y018 | Brussels | 2,230 m² | 1 · 2,026 m² | 36.2 m · 10 fl. |
Analysis
Snowflake analysis
financial profile on 5 axesMixed profile: strong on stability, weaker on profitability.
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Credit advice
verdict per customer and amountSimilar
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Company registry (CBE)
Crossroads Bank| Legal nameNL | Zo-Fier |