ZOFF by Max
ActiveThe computed 12-month bankruptcy probability of ZOFF by Max is 1.6% (moderate). The 2025 annual accounts show equity of €468k and a net result of €49k. Equity is growing by ~22.5% per year across the filed fiscal years. Its solvency ranks better than 53% of 3668 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-3
Solvency58▲+4
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.3 against 2.16 in 2024; short-term debt: 19% and cash: 19.1% of total assets), but 67.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
32.8%
Return on assets
3.4%
Age of the figures
12 mo
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 · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
20 d early
2023
36 d early
2022
17 d late
2021
32 d early
2020
on the day
2019
45 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€468k▲ 11.7%
2024 · €419k
2018: €140k
2019: €96k
2020: €98k
2021: €220k
2022: €315k
2023: €330k
2024: €419k
2018 → 2025
Total assets
€1.43M▼ 2.7%
2024 · €1.46M
2018: €347k
2019: €1.39M
2020: €1.31M
2021: €1.41M
2022: €1.45M
2023: €1.47M
2024: €1.46M
2018 → 2025
Net result
€49k▼ 44.9%
2024 · €89k
2018: €62k
2019: €-14k
2020: €-635
2021: €123k
2022: €95k
2023: €15k
2024: €89k
2018 → 2025
Working capital
€353k▲ 9.2%
2024 · €323k
2018: €66k
2019: €-36k
2020: €105k
2021: €201k
2022: €267k
2023: €266k
2024: €323k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€220k-€315k▲ 43.1%€330k▲ 4.7%€419k▲ 27.0%€468k▲ 11.7%
Operating result€178k-€164k▼ 7.8%€55k▼ 66.2%€155k▲ 180%€94k▼ 39.3%
Net result€123k-€95k▼ 22.6%€15k▼ 84.4%€89k▲ 500%€49k▼ 44.9%
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 39% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.43M
Fixed assets
€802k▼ 7.1%
Current assets
€624k▲ 3.7%
Equity and liabilities €1.43M
Equity
€468k▲ 11.7%
Debt
€958k▼ 8.4%
The debt ratio falls from 71.4% to 67.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€161k▼
2024 · €226k
Cash flow
€116k▼
2024 · €160k
Solvency
32.8%▲
2024 · 28.6%
Current ratio
2.30▲
2024 · 2.16
Quick ratio
2.21▲
2024 · 2.07
Debt / equity
2.05▼
2024 · 2.49
ROE
10.5%▼
2024 · 21.2%
ROA
3.4%▼
2024 · 6.1%
Interest coverage
6.29▼
2024 · 8.41
Debt
€958k▼
2024 · €1.05M
Debt ≤ 1 year
€271k▼
2024 · €278k
Debt > 1 year
€687k▼
2024 · €767k
Income taxes
€24k▼
2024 · €44k
Staff costs
€514k▲
2024 · €500k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.46M€1.43M▼
Fixed assets21/28€863k€802k▼
Tangible fixed assets22/27€863k€802k▼
Land and buildings22€792k€749k▼
Plant, machinery and equipment23€68k€52k▼
Furniture and vehicles24€2k€2k▼
Other tangible fixed assets26€1k-
Current assets29/58€602k€624k▲
Amounts receivable after more than one year29€185k€185k=
Other amounts receivable291€185k€185k=
Stocks and contracts in progress3€26k€26k▼
Stocks30/36€26k€26k▼
Amounts receivable within one year40/41€28k€62k▲
Trade receivables40€3k€925▼
Other amounts receivable41€25k€61k▲
Cash at bank and in hand54/58€281k€273k▼
Deferred charges and accrued income490/1€82k€79k▼
Equity and liabilities
Total equity and liabilities10/49€1.46M€1.43M▼
Equity10/15€419k€468k▲
Contributions10/11€19k€19k=
Reserves13€401k€450k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€399k€448k▲
Amounts payable17/49€1.05M€958k▼
Amounts payable after more than one year17€767k€687k▼
Financial debts170/4€767k€687k▼
Amounts payable within one year42/48€278k€271k▼
Current portion of amounts payable after more than one year42€79k€81k▲
Financial debts43€17k-
Credit institutions430/8€17k-
Trade debts44€97k€95k▼
Suppliers440/4€97k€95k▼
Taxes, remuneration and social security45€86k€96k▲
Taxes450/3€29k€36k▲
Remuneration and social security454/9€57k€60k▲
Income statement
Code20242025
Non-recurring operating income76A€5k€4k▼
Remuneration, social security and pensions62€500k€514k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€71k€67k▼
Other operating charges640/8€3k€11k▲
Gross operating margin9900€729k€686k▼
Operating profit (loss)9901€155k€94k▼
Financial income75/76B€5k€4k▼
Recurring financial income75€5k€4k▼
Financial charges65/66B€27k€26k▼
Recurring financial charges65€27k€26k▼
Profit (loss) for the period before taxes9903€133k€73k▼
Income taxes67/77€44k€24k▼
Profit (loss) for the period9904€89k€49k▼
Profit (loss) for the period to be appropriated9905€89k€49k▼
Appropriation of the result
Profit (loss) to be appropriated9906€89k€49k▼
Transfer to equity691/2€89k€49k▼
To other reserves6921€89k€49k▼
Social balance
Average headcount (FTE)908712.412.0▼
The notes to these accounts (9 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
10-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
25-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
17-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 17 days late
2022
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Back to profitnet €123k
Net result €123k after 2 loss-making years.
30-09
Financial
Equity above €200kEq €220k ▲126%
Equity rises from €98k to €220k.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
16-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Weakest financial yearnet €-14k ▼122%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
04-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Leuven · 2 establishment units since 2008
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.
Mechelsestraat 253000 LeuvenGround area
296 m²
Building footprint
249 m²
Volume, LiDAR
2,278 m³
2 parcels, Flanders · tallest building 14.5 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
ZOFF bij Max
since 20082.174.233.917
GIGI
since 20142.231.969.208
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24505F0625/00R000 | Flanders | 176 m² | 1 · 130 m² | 13.8 m · 4 fl. |
| 24062A0572/00C000 | Flanders | 120 m² | 1 · 120 m² | 14.5 m · 3 fl. |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
2 sitesLeuven2.174.233.917
Leuven2.231.969.208
Dual-learning approval
5 live approvalsKeukenmedewerker (vwo)
Keukenmedewerker duaal (so)
Kok (vwo)
Kok duaal (so)
Restaurant en keuken duaal (so)
Similar companies · same sector, comparable size
Juroline
BE 0655.680.606
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EC WANG
BE 0781.681.428
Maaseik · Eq €467k
FUN-FRIT
BE 0895.572.987
Zonhoven · Eq €466k
Vankeirsbilck & Bauden
BE 0567.855.915
Middelkerke · Eq €471k
LE ROI DU POULET
BE 0867.529.792
Nivelles · Eq €471k
Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 4,598 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-10-2008
Fiscal year end30-09
Activities, NACEBEL
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47252Retail sale of beverages, general range
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.