ZOEVA
ActiveSummary
ZOEVA has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €719k and a net result of €90k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 74% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-19
Solvency100▲+13
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 3.38 against 2.13 in 2024; short-term debt: 21.4% and cash: 9.4% of total assets), and 21.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
78.6%
Return on assets
9.8%
Age of the figures
15 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €719k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
3 d early
2024
3 d early
2023
4 d early
2022
8 d early
2021
14 d early
2020
4 d late
2019
8 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€719k▲ 14.3%
2024 · €629k
2019: €67k
2020: €114k
2021: €87k
2022: €31k
2023: €32k
2024: €629k
2019 → 2025
Total assets
€915k▼ 9.4%
2024 · €1.01M
2019: €686k
2020: €553k
2021: €597k
2022: €586k
2023: €665k
2024: €1.01M
2019 → 2025
Net result
€90k▼ 88.7%
2024 · €797k
2019: €44k
2020: €89k
2021: €73k
2022: €94k
2023: €122k
2024: €797k
2019 → 2025
Working capital
€466k▲ 15.3%
2024 · €405k
2019: €-247k
2020: €-91k
2021: €-46k
2022: €-175k
2023: €-240k
2024: €405k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€87k-€31k▼ 64.4%€32k▲ 5.1%€629k▲ 1,841%€719k▲ 14.3%
Operating result€117k-€133k▲ 13.6%€164k▲ 23.7%€711k▲ 334%€94k▼ 86.8%
Net result€73k-€94k▲ 28.9%€122k▲ 29.0%€797k▲ 556%€90k▼ 88.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 87% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €915k
Fixed assets
€253k ▲ 1.9%
Current assets
€663k ▼ 13.1%
Equity and liabilities €915k
Equity
€719k ▲ 14.3%
Debt
€196k ▼ 48.6%
Debt's share of the balance-sheet total falls from 37.7% to 21.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€99k▼
2024 · €713k
Cash flow
€95k▼
2024 · €799k
Current ratio
3.38▲
2024 · 2.13
Debt to equity
0.27▼
2024 · 0.61
ROE
12.5%▼
2024 · 126.6%
ROA
9.8%▼
2024 · 78.8%
Interest coverage
65.09▼
2024 · 99.57
Debt ≤ 1 year
€196k▼
2024 · €358k
Debt > 1 year
€0▼
2024 · €23k
Income taxes
€26k▼
2024 · €59k
Staff costs
€58k▲
2024 · €55k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.01M€915k▼
Fixed assets21/28€248k€253k▲
Tangible fixed assets22/27€14k€19k▲
Furniture and vehicles24€14k€19k▲
Financial fixed assets28€234k€234k=
Current assets29/58€763k€663k▼
Amounts receivable after more than one year29€189k€189k=
Other amounts receivable291€189k€189k=
Amounts receivable within one year40/41€504k€373k▼
Trade receivables40€165k€116k▼
Other amounts receivable41€339k€257k▼
Cash at bank and in hand54/58€70k€86k▲
Deferred charges and accrued income490/1-€15k
Equity and liabilities
Total equity and liabilities10/49€1.01M€915k▼
Equity10/15€629k€719k▲
Contributions10/11€19k€19k=
Reserves13€611k€701k▲
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€609k€701k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€382k€196k▼
Amounts payable after more than one year17€23k€0▼
Financial debts170/4€23k€0▼
Amounts payable within one year42/48€358k€196k▼
Current portion of amounts payable after more than one year42€50k€23k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€46k€41k▼
Suppliers440/4€46k€41k▼
Taxes, remuneration and social security45€62k€41k▼
Taxes450/3€52k€31k▼
Remuneration and social security454/9€10k€10k▼
Other amounts payable47/48€200k€91k▼
Income statement
Code20242025
Non-recurring operating income76A-€785
Remuneration, social security and pensions62€55k€58k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€5k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€769k€158k▼
Operating profit (loss)9901€711k€94k▼
Financial income75/76B€152k€24k▼
Recurring financial income75€4k€24k▲
Non-recurring financial income76B€148k€0▼
Financial charges65/66B€7k€2k▼
Recurring financial charges65€7k€2k▼
Profit (loss) for the period before taxes9903€856k€116k▼
Income taxes67/77€59k€26k▼
Profit (loss) for the period9904€797k€90k▼
Profit (loss) for the period to be appropriated9905€797k€90k▼
Appropriation of the result
Profit (loss) to be appropriated9906€797k€90k▼
Transfer to equity691/2€597k€90k▼
To other reserves6921€597k€90k▼
Profit to be distributed694/7€200k€0▼
Return on contributions (dividend)694€200k€0▼
Social balance
Average headcount (FTE)90870.60.6=
The notes to these accounts (18 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-08
State Gazette act
Incorporation · Founding capital
Bank account · Corporate purpose
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Highest result since 2019net €797k ▲556%
Operating result €711k, net result €797k, both a record.
30-06
Financial
Liquidity quadruplescurrent ratio 2.13
Current ratio from 0.57 to 2.13; short-term debt falls from €559k to €358k.
30-06
Financial
Equity above €500kEq €629k ▲1841%
6 profitable years in a row build equity to €629k.
27-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
23-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
17-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
04-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 4 days late
2020
30-06
Financial
Equity above €100kEq €114k ▲69.1%
2 profitable years in a row build equity to €114k.
23-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneState Gazette actNBB 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, Wervik · 1 establishment unit since 2018
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.
Robert Klingstraat 568940 WervikGround area
2,767 m²
Building footprint
208 m²
Volume, LiDAR
503 m³
2 parcels, Flanders, Wallonia · tallest building 6.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ZOEVA
since 20182.271.682.590
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54002C1037/00T003 | Wallonia | 2,370 m² | 1 · 110 m² | 6.4 m · 1 fl. |
| 33029B0779/00D000 | Flanders | 397 m² | 1 · 98 m² | 0.2 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 2,502 EUR awarded · 2,502 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 195 EUR | 195 EUR |
| 2024 | 1 | 405 EUR | 405 EUR |
| 2023 | 1 | 135 EUR | 1,335 EUR |
| 2022 | 1 | 1,767 EUR | 567 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 31,304 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-2016
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
69201Certified accountants and tax accountants
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.