ZOHOR
ActiveSummary
ZOHOR has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €33k and a net result of €18k. Equity is growing by ~31.3% per year across the filed fiscal years. Its solvency ranks better than 34% of 26046 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
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 = 2023
Profitability79▲+12
Solvency40▲+2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 0.88 in 2023; short-term debt: 64.1% and cash: 54.4% of total assets), and 85.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
14.8%
Return on assets
8%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
on the day
2023
on the day
2022
3 d early
2021
3 d early
2020
31 d late
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€33k▲ 31.3%
2023 · €25k
2018: €4k
2019: €5k
2020: €80k
2021: €22k
2022: €27k
2023: €25k
2018 → 2024
Total assets
€225k▲ 19.5%
2023 · €188k
2018: €44k
2019: €50k
2020: €169k
2021: €119k
2022: €121k
2023: €188k
2018 → 2024
Net result
€18k
2023 · €-2k
2018: €1k
2019: €872
2020: €-110k
2021: €-58k
2022: €5k
2023: €-2k
2018 → 2024
Working capital
€37k
2023 · €-17k
2018: €-19k
2019: €-10k
2020: €48k
2021: €-31k
2022: €-24k
2023: €-17k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€80k-€22k▼ 72.1%€27k▲ 23.2%€25k▼ 8.0%€33k▲ 31.3%
Operating result€-110k-€-58k▲ 47.6%€5k€-2k€20k
Net result€-110k-€-58k▲ 47.5%€5k€-2k€18k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €20k after a loss of €2k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €225k
Fixed assets
€44k ▼ 33.5%
Current assets
€181k ▲ 48.0%
Equity and liabilities €225k
Equity
€33k ▲ 31.3%
Provisions
€48k
Debt
€144k ▼ 11.5%
The debt ratio falls from 86.5% to 64.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€30k▲
2023 · €11k
Cash flow
€28k▲
2023 · €11k
Current ratio
1.26▲
2023 · 0.88
Quick ratio
1.24▲
2023 · 0.77
Debt / equity
4.33▼
2023 · 6.43
ROE
53.9%▲
2023 · -8.7%
ROA
8.0%▲
2023 · -1.2%
Interest coverage
29.38▲
2023 · 18.67
Debt ≤ 1 year
€144k▲
2023 · €140k
Income taxes
€958
Staff costs
€40k▼
2023 · €59k
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 · 58 lines
Balance sheet
Code20232024
Assets
Total assets20/58€188k€225k▲
Fixed assets21/28€66k€44k▼
Intangible fixed assets21€4k-
Tangible fixed assets22/27€59k€41k▼
Plant, machinery and equipment23€17k€22k▲
Leasing and similar rights25€21k-
Other tangible fixed assets26€22k€19k▼
Financial fixed assets28€3k€3k=
Current assets29/58€122k€181k▲
Stocks and contracts in progress3€14k€3k▼
Stocks30/36€14k€3k▼
Amounts receivable within one year40/41€60k€50k▼
Trade receivables40€13k€7k▼
Other amounts receivable41€47k€43k▼
Cash at bank and in hand54/58€48k€122k▲
Deferred charges and accrued income490/1€654€6k▲
Equity and liabilities
Total equity and liabilities10/49€188k€225k▲
Equity10/15€25k€33k▲
Contributions10/11€19k€19k=
Reserves13€2k€10k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133-€8k
Profit (loss) carried forward14€5k€5k=
Provisions and deferred taxes16-€48k
Provisions for liabilities and charges160/5-€48k
Other liabilities and charges164/5-€48k
Amounts payable17/49€163k€144k▼
Amounts payable after more than one year17€23k-
Financial debts170/4€23k-
Amounts payable within one year42/48€140k€144k▲
Trade debts44€65k€31k▼
Suppliers440/4€65k€31k▼
Advances received on contracts in progress46€6k€5k▼
Taxes, remuneration and social security45€14k€30k▲
Taxes450/3€3k€2k▼
Remuneration and social security454/9€11k€28k▲
Other amounts payable47/48€55k€78k▲
Income statement
Code20232024
Non-recurring operating income76A€2k€2k▲
Remuneration, social security and pensions62€59k€40k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€10k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8-€48k
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A-€4k
Gross operating margin9900€73k€123k▲
Operating profit (loss)9901€-2k€20k▲
Financial charges65/66B€612€1k▲
Recurring financial charges65€612€1k▲
Profit (loss) for the period before taxes9903€-2k€19k▲
Income taxes67/77-€958
Profit (loss) for the period9904€-2k€18k▲
Profit (loss) for the period to be appropriated9905€-2k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€23k▲
Profit (loss) brought forward from the previous period14P€7k€5k▼
Transfer to equity691/2-€8k
To other reserves6921-€8k
Profit to be distributed694/7-€10k
Directors or managers695-€10k
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-110k ▼12712%
Net result drops to €-110k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
29-07
NBB filing
Annual accounts filed
fiscal year 2015 · full 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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 1996
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.
Théodore Verhaegenstraat 1401060 Sint-Gillis (bij-Brussel)Ground area
114 m²
Building footprint
114 m²
Volume, LiDAR
2,231 m³
Parcel 21562A0292/00X008, Brussels · tallest building 22.1 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Théodore Verhaegenstraat 140, 1060 Sint-Gillis (bij-Brussel)
since 19962.074.555.232
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21562A0292/00X008 | Brussels | 113 m² | 1 · 113 m² | 22.1 m · 7 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 siteSint-Gillis2.074.555.232
Similar companies · same sector, comparable size
GÂTEAU
BE 0563.954.337
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MBO GROUP
BE 0750.634.104
Brussel · Eq €33k
BON APPETIT
BE 0689.933.878
Genk · Eq €33k
MMHA GROUP
BE 0776.376.122
Brussel · Eq €34k
Bakkerij Vanbroekhoven
BE 0508.463.310
Peer · Eq €33k
Of 2,407 companies in sector 47241 we hold annual accounts for 1,100. 911 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-05-1995
Fiscal year end31-12
Activities, NACEBEL
47241Retail sale of bread and pastry (bakery outlets)
52240
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.