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ZOE CONSTRUCTION

Active
Private limited companyfounded 20232 yrs activeRue des Chardonnerets,Ham 36, 5190 Jemeppe-sur-Sambre, BelgiumKBO/BCE: BE 1002.756.997
Summary

The computed 12-month bankruptcy probability of ZOE CONSTRUCTION is 3.2% (moderate). The 2025 annual accounts show equity of €26,384 and a net result of €14,133. Its solvency ranks better than 80% of 28806 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
ZOE CONSTRUCTIONActiveChecked score 71/100
Risk analysis ReportCompare

Overview

What they do
Other building finishing work
NACE 43350NACE 43390
2 sites
How big
€34,949total assets 2025
Staff
1.6 FTE
Equity
€26,384
Profit
€14,133
Turnover not published (abridged schema)
Financially healthy?
71 Healthy Checked score 2025
Bankruptcy chance 12 m
3.2%
Who decides
Accounts filed 39 d late0 of 1 deed read
Why 71- Young company- Higher-failure-rate sector- Multiple establishment units- Higher-failure-rate region+ Annual accounts: healthy financial profileFiled after the deadlineShow the evidence

Checked score

Score 2025
71 / 100
Healthy
Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+3
Growth78
Track record82
Bankruptcy probability, 12 months
3.2% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 1.52 against 2.91 in 2024; short-term debt: 24.5% and cash: 9% of total assets), and 24.5% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 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
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Multiple establishment units
Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.
KBO · establishment units
lowers risk · 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
75.5%
Return on assets
40.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-09-2026, 39 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 · 2 filings
Deviation from the deadline
2025
39 d late
2024
216 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 128 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Among the best 20% on solvencysector median 47.1% · 28,806 companies 75.5% View
  • Total assets 20252 fiscal years filed €34,949 View
  • Active since 2023founded 28-11-2023 2 years View

By topic

Financials

Fiscal year
2025
Total assets
€34,949
Profit
€14,133
Solvency
75.5%
Total assets▲ 105%
Net result
20242025
Go to Financials

Timeline

Events
2
Since
2026
Next accounts
by 31-07-2027
  1. 08-09-2026Annual accounts filed
  2. 04-03-2026Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Other building finishing workNACE 43350
Founded
28-11-2023
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark

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