Summary
ZOMERRUST is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €737,970 and a net result of €69,682. Equity has been growing by about 11% per year since 2019. Its solvency ranks better than 75% of 9,754 sector peers (NACE 64, financial year 2025). The company has been active since 2005 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 11-05-2005 Normal situation
- Activity
- Activities of holding companies NACE 64210and 2 others
- Establishment unit
- 2.192.988.866 8730 Beernem, since 01-10-2010
- Financial year end
- 30 June
- Peppol
- Reachable since 19-12-2025
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts to 30-06-2025
- Profit
- €69,682
- ▲ 7.1%
- Equity
- €737,970
- ▲ 10.4%
- Total assets
- €952,611
- ▲ 1.6%
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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Signals
1 signal.
neutral
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 21-11-2025, 71 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
71 days early
2024
66 days early
2023
75 days early
2022
68 days early
2021
67 days early
2020
26 days early
2019
39 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 59 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 24 November (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end03-11-2026 today31-01-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 21-11-2025 PDF all 20 filings
Equity
€737,970▲ 10.4%
2024 · €668,288
Net result
€69,682▲ 7.1%
2024 · €65,033
Total assets
€952,611▲ 1.6%
2024 · €937,417
Solvency
77.5%▲ 6.2pp
2024 · 71.3%
Multi-year overview
2019 to 2025, 7 financial yearsOperating result
€108,888
▲ 4.1%
2025
20192025
Net result
€69,682
▲ 7.1%
2025
middle half of the sector
20192025
Equity
€737,970
▲ 10.4%
2025
highest quarter of the sector
20192025
Total assets
€952,611
▲ 1.6%
2025
highest quarter of the sector
20192025
Debt
€214,641
▼ 20.2%
2025
20192025
Working capital
€232,813
▲ 21.6%
2025
highest quarter of the sector
20192025
Solvency
77.5%
▲ 6.2pp
2025
highest quarter of the sector
20192025
Current ratio
3.79
▲ 0.31
2025
middle half of the sector
20192025
Return on assets (ROA)
7.3%
▲ 0.4pp
2025
middle half of the sector
20192025
Staff (FTE)
no figure
2025
20192025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line2019202020212022202320242025
Operating result€0.08m-€0.1m▲ 26.5%€0.1m▲ 2.0%€0.6m▲ 490%€0.2m▼ 65.8%€0.1m▼ 50.6%€0.1m▲ 4.1%
Net result€0.03m-€0.05mwithin the sector's middle half▲ 83.1%€0.05mwithin the sector's middle half▼ 16.7%€0.4mabove the sector's middle half▲ 788%€0.1mwithin the sector's middle half▼ 67.2%€0.07mwithin the sector's middle half▼ 51.2%€0.07mwithin the sector's middle half▲ 7.1%
Equity€0.4m-€0.4mwithin the sector's middle half▲ 14.3%€0.5mwithin the sector's middle half▲ 10.4%€0.5mwithin the sector's middle half▼ 2.9%€0.6mwithin the sector's middle half▲ 28.4%€0.7mwithin the sector's middle half▲ 10.8%€0.7mabove the sector's middle half▲ 10.4%
Total assets€1.3m-€1.3mwithin the sector's middle half▼ 0.1%€1.3mwithin the sector's middle half▼ 1.4%€1.0mwithin the sector's middle half▼ 22.6%€1.0mwithin the sector's middle half▼ 2.6%€0.9mwithin the sector's middle half▼ 6.1%€1.0mabove the sector's middle half▲ 1.6%
Debt€1.0m-€0.9m▼ 5.8%€0.8m▼ 7.1%€0.6m▼ 34.0%€0.4m▼ 28.8%€0.3m▼ 32.0%€0.2m▼ 20.2%
Working capital-€0.4m--€0.4mbelow the sector's middle half▲ 8.2%-€0.3mbelow the sector's middle half▲ 9.7%-€0.04mwithin the sector's middle half▲ 88.4%€0.2mwithin the sector's middle half€0.2mwithin the sector's middle half▲ 23.7%€0.2mabove the sector's middle half▲ 21.6%
Solvency28.5%-32.6%within the sector's middle half▲ 4.1pp36.5%within the sector's middle half▲ 3.9pp45.8%within the sector's middle half▲ 9.3pp60.4%within the sector's middle half▲ 14.6pp71.3%within the sector's middle half▲ 10.9pp77.5%above the sector's middle half▲ 6.2pp
Current ratio0.11-0.19below the sector's middle half▲ 0.080.27below the sector's middle half▲ 0.080.84within the sector's middle half▲ 0.562.09within the sector's middle half▲ 1.253.48above the sector's middle half▲ 1.403.79within the sector's middle half▲ 0.31
Return on assets (ROA)2.2%-4.1%within the sector's middle half▲ 1.9pp3.4%within the sector's middle half▼ 0.6pp39.6%above the sector's middle half▲ 36.1pp13.3%above the sector's middle half▼ 26.3pp6.9%within the sector's middle half▼ 6.4pp7.3%within the sector's middle half▲ 0.4pp
Staff (FTE)0within the sector's middle half0within the sector's middle half
above
within
below
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is 4% higher than in 2024. It is a recovery after the fall in 2024.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €952,611
Fixed assets
€636,433 ▼ 4.8%
Current assets
€316,178 ▲ 17.7%
Equity and liabilities €952,611
Equity
€737,970 ▲ 10.4%
Debt
€214,641 ▼ 20.2%
Debt's share of the balance-sheet total falls from 28.7% to 22.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
9.4%▼
2024 · 9.7%
Debt ≤ 1 year
€83,365▲
2024 · €77,096
Debt > 1 year
€124,024▼
2024 · €184,287
Income taxes
€33,699▲
2024 · €30,487
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Securities and guarantees
| Item | 30-06-2022 | 30-06-2023 | 30-06-2024 | 30-06-2025 |
|---|---|---|---|---|
| Debts secured on the company's own assets | €365,077 | €304,814 | €247,550 | - |
| Mortgage mandates | €1.4m | €1.4m | €1.4m | €1.4m |
| Carrying value of the mortgaged assets | €724,307 | €693,940 | €663,573 | €633,206 |
Source: notes to the 2022 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)
Investments
| Item | 30-06-2022 | 30-06-2023 | 30-06-2024 | 30-06-2025 |
|---|---|---|---|---|
| Tangible fixed assets | €11,174 | €14,097 | - | - |
| Depreciation and write-downs of the year | €33,423 | €32,367 | €32,367 | €32,367 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €503,782 | €113,677 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €87,467 | €79,634 | €79,036 | €33,423 | €32,367 | €32,367 | €32,367 | = |
| Other operating charges640/8 | - | - | - | €16,005 | €13,705 | €14,360 | €14,879 | ▲ 3.6% |
| Gross operating margin9900 | €185,677 | €199,610 | €205,271 | €668,259 | €257,739 | €151,294 | €156,134 | ▲ 3.2% |
| Operating profit (loss)9901 | €81,373 | €102,903 | €104,969 | €618,831 | €211,667 | €104,566 | €108,888 | ▲ 4.1% |
| Financial income75/76B | - | - | - | €2,523 | €4,364 | €5,235 | €5,537 | ▲ 5.8% |
| Recurring financial income75 | €1 | €0 | €41 | €2,523 | €4,364 | €5,235 | €5,537 | ▲ 5.8% |
| Non-recurring financial income76B | - | - | - | €0 | - | - | - | - |
| Financial charges65/66B | - | - | - | €26,612 | €18,979 | €14,282 | €11,043 | ▼ 22.7% |
| Recurring financial charges65 | €51,321 | €47,818 | €37,469 | €26,612 | €18,979 | €14,282 | €11,043 | ▼ 22.7% |
| Non-recurring financial charges66B | - | - | - | €0 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €30,053 | €55,085 | €67,586 | €594,741 | €197,052 | €95,519 | €103,382 | ▲ 8.2% |
| Income taxes67/77 | €80 | €199 | €21,883 | €188,707 | €63,778 | €30,487 | €33,699 | ▲ 10.5% |
| Profit (loss) for the period9904 | €29,973 | €54,886 | €45,704 | €406,034 | €133,274 | €65,033 | €69,682 | ▲ 7.1% |
| Profit (loss) for the period to be appropriated9905 | €29,973 | €54,886 | €45,704 | €406,034 | €133,274 | €65,033 | €69,682 | ▲ 7.1% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €1.3m | €1.3m | €1.3m | €1.0m | €1.0m | €0.9m | €1.0m | ▲ 1.6% |
| Fixed assets21/28 | €1.3m | €1.3m | €1.2m | €0.8m | €0.7m | €0.7m | €0.6m | ▼ 4.8% |
| Tangible fixed assets22/27 | €1.3m | €1.3m | €1.2m | €0.8m | €0.7m | €0.7m | €0.6m | ▼ 4.8% |
| Land and buildings22 | - | - | - | €0.8m | €0.7m | €0.7m | €0.6m | ▼ 4.6% |
| Furniture and vehicles24 | - | - | - | €0.009m | €0.007m | €0.005m | €0.003m | ▼ 38.3% |
| Financial fixed assets28 | €200 | €200 | €0 | - | - | - | - | - |
| Current assets29/58 | €0.05m | €0.08m | €0.1m | €0.2m | €0.3m | €0.3m | €0.3m | ▲ 17.7% |
| Amounts receivable after more than one year29 | - | - | - | €0.2m | €0.2m | €0.2m | €0.2m | = |
| Other amounts receivable291 | - | - | - | €0.2m | €0.2m | €0.2m | €0.2m | = |
| Amounts receivable within one year40/41 | €0.03m | €0 | - | - | - | - | - | - |
| Cash at bank and in hand54/58 | €0.02m | €0.08m | €0.1m | €0.03m | €0.1m | €0.1m | €0.2m | ▲ 45.6% |
| Deferred charges and accrued income490/1 | - | - | - | €0.005m | €0.006m | €0.006m | €0.006m | ▲ 1.1% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €1.3m | €1.3m | €1.3m | €1.0m | €1.0m | €0.9m | €1.0m | ▲ 1.6% |
| Equity10/15 | €0.4m | €0.4m | €0.5m | €0.5m | €0.6m | €0.7m | €0.7m | ▲ 10.4% |
| Contributions10/11 | €0.4m | - | - | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Reserves13 | - | €0.01m | €0.06m | €0.5m | €0.6m | €0.6m | €0.7m | ▲ 10.7% |
| Non-distributable reserves130/1 | - | - | - | €0 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €0 | - | - | - | - |
| Distributable reserves133 | - | - | - | €0.5m | €0.6m | €0.6m | €0.7m | ▲ 10.7% |
| Profit (loss) carried forward14 | -€0.04m | €0 | - | €0 | €0 | - | - | - |
| Amounts payable17/49 | €1.0m | €0.9m | €0.8m | €0.6m | €0.4m | €0.3m | €0.2m | ▼ 20.2% |
| Amounts payable after more than one year17 | €0.5m | €0.4m | €0.4m | €0.3m | €0.2m | €0.2m | €0.1m | ▼ 32.7% |
| Financial debts170/4 | - | - | - | €0.3m | €0.2m | €0.2m | €0.1m | ▼ 32.7% |
| Amounts payable within one year42/48 | €0.4m | €0.4m | €0.4m | €0.2m | €0.1m | €0.08m | €0.08m | ▲ 8.1% |
| Current portion of amounts payable after more than one year42 | - | - | - | €0.06m | €0.06m | €0.06m | €0.06m | = |
| Financial debts43 | - | - | - | €0.07m | €0 | - | - | - |
| Credit institutions430/8 | - | - | - | €0.07m | €0 | - | - | - |
| Trade debts44 | €0.005m | €0.004m | €0.005m | €0.005m | €0.004m | €0.002m | €0.001m | ▼ 28.7% |
| Suppliers440/4 | - | - | - | €0.005m | €0.004m | €0.002m | €0.001m | ▼ 28.7% |
| Taxes, remuneration and social security45 | - | - | - | €0.04m | €0.03m | €0.01m | €0.02m | ▲ 16.9% |
| Taxes450/3 | - | - | - | €0.04m | €0.03m | €0.01m | €0.02m | ▲ 16.9% |
| Other amounts payable47/48 | - | - | - | €0.05m | €0.05m | €0.002m | €0.007m | ▲ 220% |
| Accrued charges and deferred income492/3 | - | - | - | €0.02m | €0.008m | €0.008m | €0.007m | ▼ 6.4% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €29,973 | €54,886 | €45,704 | €406,034 | €133,274 | €65,033 | €69,682 | ▲ 7.1% |
| + Depreciation and write-downs630 | €87,467 | €79,634 | €79,036 | €33,423 | €32,367 | €32,367 | €32,367 | = |
| Operating cash flow (approximation) | €117,440 | €134,520 | €124,740 | €439,457 | €165,642 | €97,400 | €102,049 | ▲ 4.8% |
| Investment in fixed assets (approximation) | - | -€41,597 | -€22,937 | €338,544 | €97,225 | €0 | €0 | - |
| Change in cash | - | €60,554 | €35,306 | -€82,728 | €102,423 | -€29,090 | €47,499 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 20 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-06-2025 | micro format | 21-11-2025 | 2025-00568949 | |
| 30-06-2024 | abbreviated format | 26-11-2024 | 2024-00605034 | |
| 30-06-2023 | abbreviated format | 17-11-2023 | 2023-00512796 | |
| 30-06-2022 | abbreviated format | 24-11-2022 | 2022-20524580 | |
| 30-06-2021 | abbreviated format | 25-11-2021 | 2021-78300394 | |
| 30-06-2020 | abbreviated format | 05-01-2021 | 2021-00200257 | |
| 30-06-2019 | abbreviated format | 23-12-2019 | 2019-77200529 | |
| 30-06-2018 | abbreviated format | 07-01-2019 | 2019-00900170 | |
| 30-06-2017 | abbreviated format | 21-12-2017 | 2017-73000260 | |
| 30-06-2016 | abbreviated format | 22-12-2016 | 2016-71400586 |
Board & ownership
Directors
Directors
1 director
Van Riebeke Annick
Current
Director · listed in the 2025 annual accounts, filed on 21-11-2025
Owners and capital
Owners
Network & group
Companies at the same address
7 other companies- Martens, Magali (sole trader) Establishment · since 2023 0642841863
- TRIXXO VLAANDEREN Establishment · since 2017 0874916640
- ELBEFRA Establishment · since 2015 0630638075
- EMMATH Registered office · since 2007 0889713001
- MATHEM Registered office · since 2007 0887940374
- Apotheek Wyseur Registered office · since 1996 0457863556
- UNERAN Registered office · since 1994 0431676922
Connections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
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Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
EMMATH
Shared director
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Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2025
21-11
micro format · 71 days before the deadline
2024
26-11
abbreviated format · 66 days before the deadline
2023
17-11
abbreviated format · 75 days before the deadline
30-06
Financial
Liquidity more than doubledcurrent ratio 2.09
The current ratio rises from 0.84 to 2.09. Short-term debt falls from €232,583 to €142,707.
30-06
Financial
Equity above €500,000equity €603,255 ▲28.4%
With a profit in every financial year since 2019, equity grows to €603,255.
07-02
Board meeting · Director reappointment
2022
24-11
abbreviated format · 68 days before the deadline
30-06
Financial
Highest result from 2019 to 2025net €406,034 ▲788%
The operating result of €618,831 and the net result of €406,034 are both a record.
2021
2019
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
ZOMERRUST in Dutch
Enterprise number
0873.757.192
Legal form
Private limited company
Status
Active, normale toestand
Founded
11-05-2005
Entity type
Legal entity
Registered office and establishments
Registered office
Bruggestraat 23, 8730 Beernem, Belgium
Establishment unit
ZOMERRUST, Bruggestraat 23, 8730 Beernem since 01-10-2010 · unit number 2.192.988.8666811001 Buying and selling of own real estate
Activities
NACEBEL 202564210
Activities of holding companies main activity
68201
Renting and operating of own or leased residential real estate, excluding social housing
68203
Renting and operating of own or leased non-residential real estate, excluding land
Codes under NACEBEL 2008
64200
Holdings main activity
68201
Real estate activities
68203
Real estate rental
Invoicing and payment
VAT number
BE 0873.757.192
Financial year and general meeting
Accounts at the NBBFinancial year end
30-06
Sites & property
Location
Buildings and parcels at the address
Ground area
1,328 m²
Building footprint
587 m²
Building volume
3,408 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 31021G0004/00P002 | Flanders | 1,328 m² | 1 · 587 m² | 11.0 m · 2 |