ZO-ZAN

Active

Private limited companyfounded 20242 yrs activeAlsembergse Steenweg 157, 1190 Vorst, BelgiumKBO/BCE: BE 1010.772.464

The computed 12-month bankruptcy probability of ZO-ZAN is 7.1% (elevated). The 2025 annual accounts show equity of €16k and a net result of €2k. Its solvency ranks better than 32% of 13204 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

27 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability44

Solvency33

Growth-

Track record67

Bankruptcy probability, 12 months

7.1% Elevated

0%0.5%1.5%4%10%≥ 25%

No publishable credit limit; credit only on tighter terms

Liquidity tight (current ratio 1.04; short-term debt: 91.5% and cash: 1.6% of total assets), and 91.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

8.5%

Return on assets

0.9%

Age of the figures

9 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-09-2026, 48 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 1 filing

Deviation from the deadline

2025

48 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€16k

Total assets

€184k

Net result

€2k

Working capital

€6k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €184k

95.0%

Fixed assets €9k

Current assets €175k

Equity and liabilities €184k

91.5%

Equity €16k

Debt €168k

Debt finances 91.5% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€13k

Cash flow

€8k

Solvency

8.5%

Current ratio

1.04

Quick ratio

1.02

Debt / equity

10.80

ROE

10.2%

ROA

0.9%

Interest coverage

2.84

Debt

€168k

Debt ≤ 1 year

€168k

Income taxes

€500

Staff costs

€11k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€184k

Fixed assets21/28€9k

Tangible fixed assets22/27€9k

Furniture and vehicles24€6k

Other tangible fixed assets26€3k

Current assets29/58€175k

Stocks and contracts in progress3€3k

Stocks30/36€3k

Amounts receivable within one year40/41€169k

Trade receivables40€169k

Other amounts receivable41€676

Cash at bank and in hand54/58€3k

Equity and liabilities

Total equity and liabilities10/49€184k

Equity10/15€16k

Contributions10/11€14k

Profit (loss) carried forward14€2k

Amounts payable17/49€168k

Amounts payable within one year42/48€168k

Trade debts44€96k

Suppliers440/4€96k

Advances received on contracts in progress46€62k

Taxes, remuneration and social security45€3k

Taxes450/3€500

Remuneration and social security454/9€3k

Other amounts payable47/48€8k

Income statement Code2025

Remuneration, social security and pensions62€11k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k

Other operating charges640/8€405

Non-recurring operating charges66A€19k

Gross operating margin9900€44k

Operating profit (loss)9901€7k

Financial income75/76B€0

Recurring financial income75€0

Financial charges65/66B€5k

Recurring financial charges65€5k

Profit (loss) for the period before taxes9903€2k

Income taxes67/77€500

Profit (loss) for the period9904€2k

Profit (loss) for the period to be appropriated9905€2k

Appropriation of the result

Profit (loss) to be appropriated9906€2k

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2026

17-09

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 48 days late

NBB filing

Directors · office · real estate

Directors

2 acts for this company are 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, Vorst · 1 establishment unit since 2024

establishment The establishment unit on the map

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Alsembergse Steenweg 1571190 Vorst

Ground area

181 m²

Building footprint

97 m²

Volume, LiDAR

1,167 m³

Parcel 21383B0052/00C003, Brussels · tallest building 19.5 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

ZO-ZAN

Alsembergse Steenweg 157, 1190 VorstFull-service restaurants

since 20242.361.202.803

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21383B0052/00C003	Brussels	181 m²	1 · 97 m²	19.5 m · 4 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Vorst2.361.202.803

1 permission

Toelating · Pita-house, pita-bar · since 15-07-2024

Similar companies · same sector, comparable size

Puurs-Sint-Amands · Eq €16k

Of 21,896 companies in sector 56112 we hold annual accounts for 9,782. 7,753 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded17-06-2024

Fiscal year end31-12

Activities, NACEBEL

56102Limited-service restaurants

56112Limited-service restaurants, excluding mobile food services

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.