ZOLYER CONSULTING
ActiveZOLYER CONSULTING has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €420k and a net result of €140k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 48% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+10
Solvency78▼-22
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.14 against 4.94 in 2024; short-term debt: 46.6% and cash: 27.5% of total assets), and 46.6% 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○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
53.4%
Return on assets
17.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
23 d early
2023
6 d early
2022
30 d late
2021
51 d late
2020
21 d late
2019
43 d late
← before the deadline
after the deadline →
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 monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€420k▼ 30.6%
2024 · €605k
2018: €269k
2019: €385k
2020: €478k
2021: €501k
2022: €555k
2023: €588k
2024: €605k
2018 → 2025
Total assets
€785k▲ 3.6%
2024 · €758k
2018: €322k
2019: €429k
2020: €526k
2021: €611k
2022: €678k
2023: €728k
2024: €758k
2018 → 2025
Net result
€140k▲ 5.1%
2024 · €133k
2018: €99k
2019: €117k
2020: €92k
2021: €105k
2022: €128k
2023: €132k
2024: €133k
2018 → 2025
Working capital
€416k▼ 31.3%
2024 · €605k
2018: €269k
2019: €384k
2020: €477k
2021: €501k
2022: €555k
2023: €588k
2024: €605k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€501k-€555k▲ 10.7%€588k▲ 6.0%€605k▲ 2.8%€420k▼ 30.6%
Operating result€148k-€171k▲ 15.4%€184k▲ 7.7%€187k▲ 1.6%€192k▲ 2.4%
Net result€105k-€128k▲ 21.7%€132k▲ 3.4%€133k▲ 0.8%€140k▲ 5.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 2% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €785k
Fixed assets
€4k
Current assets
€781k
Equity and liabilities €785k
Equity
€420k▼ 30.6%
Debt
€366k▲ 139%
The debt ratio rises from 20.2% to 46.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€193k
Cash flow
€141k
Solvency
53.4%▼
2024 · 79.8%
Current ratio
2.14▼
2024 · 4.94
Quick ratio
2.14▼
2024 · 4.94
Debt / equity
0.87▲
2024 · 0.25
ROE
33.4%▲
2024 · 22.0%
ROA
17.8%▲
2024 · 17.6%
Interest coverage
3219.91
Debt
€366k▲
2024 · €153k
Debt ≤ 1 year
€366k▲
2024 · €153k
Income taxes
€59k▲
2024 · €56k
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€758k€785k▲
Fixed assets21/28-€4k
Tangible fixed assets22/27-€4k
Furniture and vehicles24-€4k
Current assets29/58€758k€781k▲
Amounts receivable within one year40/41€49k€51k▲
Trade receivables40€49k€51k▲
Current investments50/53€509k€514k▲
Cash at bank and in hand54/58€200k€216k▲
Deferred charges and accrued income490/1€216€335▲
Equity and liabilities
Total equity and liabilities10/49€758k€785k▲
Equity10/15€605k€420k▼
Contributions10/11€12k€12k=
Reserves13€592k€407k▼
Distributable reserves133€592k€407k▼
Amounts payable17/49€153k€366k▲
Amounts payable within one year42/48€153k€366k▲
Trade debts44€240€45▼
Suppliers440/4€240€45▼
Taxes, remuneration and social security45€34k€53k▲
Taxes450/3€34k€53k▲
Other amounts payable47/48€119k€312k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€757
Other operating charges640/8€247€251▲
Gross operating margin9900€188k€193k▲
Operating profit (loss)9901€187k€192k▲
Financial income75/76B€2k€7k▲
Recurring financial income75€2k€7k▲
Financial charges65/66B€87€60▼
Recurring financial charges65€87€60▼
Profit (loss) for the period before taxes9903€189k€199k▲
Income taxes67/77€56k€59k▲
Profit (loss) for the period9904€133k€140k▲
Profit (loss) for the period to be appropriated9905€133k€140k▲
Appropriation of the result
Profit (loss) to be appropriated9906€133k€140k▲
Transfer from equity791/2€117k€325k▲
Transfer to equity691/2€133k€140k▲
To other reserves6921€133k€140k▲
Profit to be distributed694/7€117k€325k▲
Return on contributions (dividend)694€117k€325k▲
The notes to these accounts (5 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Highest result since 2018net €140k ▲5.1%
Operating result €192k, net result €140k, both a record.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
20-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 51 days late
2021
31-12
Financial
Equity above €500kEq €501k ▲4.9%
4 profitable years in a row build equity to €501k.
21-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 21 days late
2020
31-12
Financial
Weakest financial yearnet €92k ▼20.9%
Net result drops to €92k, the lowest in the series; recovery starts the following year.
12-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 43 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
14-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-07
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, Puurs-Sint-Amands · 1 establishment unit since 2015
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.
Molenstraat 212870 Puurs-Sint-AmandsGround area
856 m²
Building footprint
132 m²
Volume, LiDAR
690 m³
Parcel 12030B0697/03B000, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ZOLYER CONSULTING
since 20152.248.398.038
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12030B0697/03B000 | Flanders | 856 m² | 1 · 132 m² | 6.5 m · 2 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.
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,570. 36,019 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2015
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.