ZOBAIR
ActiveZOBAIR has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €64k and a net result of €16k. Equity is growing by ~26.1% per year across the filed fiscal years. Its solvency ranks better than 86% of 26052 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability92▲+1
Solvency100▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 4.56 against 3.37 in 2023; short-term debt: 19.9% and cash: 4.5% of total assets), and 22.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
8 d early
2022
31 d late
2021
31 d late
2020
28 d late
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€64k▲ 32.2%
2023 · €49k
2018: €18k
2019: €19k
2020: €19k
2021: €13k
2022: €34k
2023: €49k
2018 → 2024
Total assets
€83k▲ 21.1%
2023 · €68k
2018: €57k
2019: €50k
2020: €29k
2021: €30k
2022: €53k
2023: €68k
2018 → 2024
Net result
€16k▲ 5.5%
2023 · €15k
2018: €-9k
2019: €1k
2020: €-503
2021: €-6k
2022: €21k
2023: €15k
2018 → 2024
Working capital
€59k▲ 38.8%
2023 · €42k
2018: €5k
2019: €13k
2020: €15k
2021: €9k
2022: €32k
2023: €42k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€19k-€13k▼ 32.9%€34k▲ 169%€49k▲ 43.9%€64k▲ 32.2%
Operating result€1k-€-5k€21k€15k▼ 28.5%€21k▲ 38.2%
Net result€-503-€-6k▼ 1,130%€21k€15k▼ 30.0%€16k▲ 5.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 38% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €83k
Fixed assets
€8k▼ 7.2%
Current assets
€75k▲ 25.1%
Equity and liabilities €83k
Equity
€64k▲ 32.2%
Debt
€18k▼ 6.3%
The debt ratio falls from 28.7% to 22.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€22k▲
2023 · €16k
Cash flow
€16k▲
2023 · €16k
Solvency
77.8%▲
2023 · 71.3%
Current ratio
4.56▲
2023 · 3.37
Quick ratio
3.86▲
2023 · 2.73
Debt / equity
0.29▼
2023 · 0.40
ROE
24.4%▼
2023 · 30.5%
ROA
18.9%▼
2023 · 21.7%
Interest coverage
7.02▲
2023 · 5.38
Debt
€18k▼
2023 · €20k
Debt ≤ 1 year
€16k▼
2023 · €18k
Income taxes
€2k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€68k€83k▲
Fixed assets21/28€8k€8k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€6k€5k▼
Other tangible fixed assets26€6k€5k▼
Financial fixed assets28€3k€3k=
Current assets29/58€60k€75k▲
Stocks and contracts in progress3€11k€11k=
Stocks30/36€11k€11k=
Amounts receivable within one year40/41€43k€60k▲
Trade receivables40€2k€4k▲
Other amounts receivable41€41k€56k▲
Cash at bank and in hand54/58€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€68k€83k▲
Equity10/15€49k€64k▲
Contributions10/11€6k€6k=
Reserves13€42k€58k▲
Distributable reserves133€42k€58k▲
Amounts payable17/49€20k€18k▼
Amounts payable within one year42/48€18k€16k▼
Financial debts43€0€3k▲
Credit institutions430/8€0€3k▲
Trade debts44€9k€2k▼
Suppliers440/4€9k€2k▼
Taxes, remuneration and social security45€873€4k▲
Taxes450/3€873€4k▲
Other amounts payable47/48€8k€8k=
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€702€600▼
Other operating charges640/8€849€784▼
Gross operating margin9900€17k€22k▲
Operating profit (loss)9901€15k€21k▲
Financial income75/76B€3k€29▼
Recurring financial income75€3k€29▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€15k€18k▲
Income taxes67/77-€2k
Profit (loss) for the period9904€15k€16k▲
Profit (loss) for the period to be appropriated9905€15k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€16k▲
Transfer to equity691/2€15k€16k▲
To other reserves6921€15k€16k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €21k
Net result €21k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
28-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
25-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 117 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Brugge · 1 establishment unit since 2010
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.
Katelijnestraat 808000 BruggeGround area
233 m²
Building footprint
227 m²
Volume, LiDAR
1,670 m³
Parcel 31803C0923/00L000, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ZOBAIR
since 20102.193.371.720
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31803C0923/00L000 | Flanders | 233 m² | 1 · 226 m² | 11.2 m · 3 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 siteBrugge2.193.371.720
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Of 1,435 companies in sector 47791 we hold annual accounts for 455. 337 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-2009
Fiscal year end31-12
Activities, NACEBEL
47791Retail sale of antiques
10820Manufacture of cocoa, chocolate and sugar confectionery
47251Retail sale of wines and spirits
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.