ZOKERO
ActiveSummary
ZOKERO has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €87k and a net result of €46k. Equity is growing by ~20.2% per year across the filed fiscal years. Its solvency ranks better than 69% of 13305 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
83
/ 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
Profitability100▲+23
Solvency78▲+16
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.99 against 1.27 in 2024; short-term debt: 40.6% and cash: 43.9% of total assets), and 47.3% 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 56
Relative position
BE, all sectors
reference
Sector 56
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
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
52.7%
Return on assets
28.1%
Age of the figures
12 mo
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
on the day
2023
33 d early
2022
5 d early
2021
2 d early
2020
30 d early
2019
31 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€87k▲ 115%
2024 · €40k
2018: €19k
2019: €27k
2020: €22k
2021: €38k
2022: €57k
2023: €33k
2024: €40k
2018 → 2025
Total assets
€164k▲ 50.2%
2024 · €109k
2018: €39k
2019: €44k
2020: €29k
2021: €67k
2022: €126k
2023: €103k
2024: €109k
2018 → 2025
Net result
€46k▲ 568%
2024 · €7k
2018: €-2k
2019: €8k
2020: €-5k
2021: €17k
2022: €18k
2023: €-23k
2024: €7k
2018 → 2025
Working capital
€66k▲ 367%
2024 · €14k
2018: €643
2019: €12k
2020: €10k
2021: €28k
2022: €21k
2023: €2k
2024: €14k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€38k-€57k▲ 48.2%€33k▼ 41.0%€40k▲ 20.7%€87k▲ 115%
Operating result€19k-€21k▲ 11.6%€-20k€10k€60k▲ 510%
Net result€17k-€18k▲ 10.5%€-23k€7k€46k▲ 568%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 510% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €164k
Fixed assets
€32k ▼ 27.4%
Current assets
€133k ▲ 101%
Equity and liabilities €164k
Equity
€87k ▲ 115%
Debt
€78k ▲ 12.5%
Debt's share of the balance-sheet total falls from 63.1% to 47.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€75k▲
2024 · €26k
Cash flow
€61k▲
2024 · €23k
Current ratio
1.99▲
2024 · 1.27
Quick ratio
1.92▲
2024 · 1.19
Debt to equity
0.90▼
2024 · 1.71
ROE
53.4%▲
2024 · 17.1%
ROA
28.1%▲
2024 · 6.3%
Interest coverage
34.63▲
2024 · 10.82
Debt ≤ 1 year
€67k▲
2024 · €52k
Debt > 1 year
€7k▼
2024 · €17k
Income taxes
€14k▲
2024 · €813
Staff costs
€14k▼
2024 · €15k
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€109k€164k▲
Fixed assets21/28€44k€32k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€43k€25k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€35k€22k▼
Other tangible fixed assets26€3k-
Financial fixed assets28€800€7k▲
Current assets29/58€66k€133k▲
Stocks and contracts in progress3€4k€4k▲
Stocks30/36€4k€4k▲
Amounts receivable within one year40/41€42k€54k▲
Trade receivables40€240-
Other amounts receivable41€42k€54k▲
Cash at bank and in hand54/58€17k€72k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€109k€164k▲
Equity10/15€40k€87k▲
Contributions10/11€50k€50k=
Reserves13€7k€36k▲
Non-distributable reserves130/1-€5k
Reserves not available under the articles1311-€5k
Distributable reserves133€7k€31k▲
Profit (loss) carried forward14€-16k€636▲
Amounts payable17/49€69k€78k▲
Amounts payable after more than one year17€17k€7k▼
Financial debts170/4€17k€7k▼
Amounts payable within one year42/48€52k€67k▲
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€20k€24k▲
Suppliers440/4€20k€24k▲
Taxes, remuneration and social security45€21k€32k▲
Taxes450/3€15k€29k▲
Remuneration and social security454/9€7k€3k▼
Accrued charges and deferred income492/3€134€4k▲
Income statement
Code20242025
Non-recurring operating income76A-€82k
Remuneration, social security and pensions62€15k€14k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€15k▼
Other operating charges640/8€3k€4k▲
Non-recurring operating charges66A-€639
Gross operating margin9900€45k€94k▲
Operating profit (loss)9901€10k€60k▲
Financial income75/76B€314€3k▲
Recurring financial income75€314€3k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€8k€61k▲
Income taxes67/77€813€14k▲
Profit (loss) for the period9904€7k€46k▲
Profit (loss) for the period to be appropriated9905€7k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€30k▲
Profit (loss) brought forward from the previous period14P€-23k€-16k▲
Transfer to equity691/2-€29k
To other reserves6921-€29k
The notes to these accounts (12 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 · micro schema
2025
30-09
Financial
Highest result since 2018net €46k ▲568%
Operating result €60k, net result €46k, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €-23k ▼226%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
Show earlier events
29-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-03
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
4 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, Oostende · 1 establishment unit since 2007
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.
Clivialaan 78400 OostendeGround area
775 m²
Building footprint
343 m²
Volume, LiDAR
2,392 m³
2 parcels, Flanders · tallest building 14.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BISTRO TEA-ROOM PIAF - LE CHATELET
since 20072.160.517.226
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35020B0264/00D003 | Flanders | 607 m² | 1 · 198 m² | 8.2 m · 1 fl. |
| 35386D0035/00Y002 | Flanders | 168 m² | 1 · 145 m² | 14.3 m · 4 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).
Similar companies · same sector, comparable size
UNIWEST
BE 0806.086.529
Kortrijk · Eq €86,649
Brasserie - Taverne de la Plume
BE 0446.679.159
Soumagne · Eq €86,649
KURMAR
BE 0631.856.614
Balen · Eq €86,664
't Lopend Vuurtje
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Zoersel · Eq €86,605
LUMA20
BE 1014.398.779
Ham-sur-Heure-Nalinnes · Eq €86,673
Of 20,493 companies in sector 56111 we hold annual accounts for 11,461. 9,708 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 (pre-2019)
Founded09-02-2007
Fiscal year end30-09
Activities, NACEBEL 2025
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
56210Event catering
56220Contract catering and other food service activities
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.