Zon & Klaar

Active

Private limited companyfounded 20215 yrs activeHeidestraat 108, 2070 Beveren-Kruibeke-Zwijndrecht, BelgiumKBO/BCE: BE 0770.426.854

The computed 12-month bankruptcy probability of Zon & Klaar is 2.2% (moderate). The 2024 annual accounts show equity of €447k and a net result of €182k. Equity is growing by ~67.1% per year across the filed fiscal years. Its solvency ranks better than 80% of 36378 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

100 / 100

Excellent= vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency100▲+4

Growth78=

Stability94

Bankruptcy probability, 12 months

2.2% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €45k at 30 days acceptable

Liquidity ample (current ratio 3.17 against 1.93 in 2023), and 25.4% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

74.6%

Return on assets

30.3%

Age of the figures

20 mo

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 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 · 3 filings

Deviation from the deadline

2025

not confirmed

2024

27 d late

2023

5 d early

2022

3 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€447k▲ 68.4%

2023 · €266k

2022: €91k 2023: €266k

2022 → 2024

Total assets

€600k▲ 28.7%

2023 · €466k

2022: €240k 2023: €466k

2022 → 2024

Net result

€182k▲ 3.8%

2023 · €175k

2022: €88k 2023: €175k

2022 → 2024

Working capital

€285k▲ 87.7%

2023 · €152k

2022: €10k 2023: €152k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€91k-€266k▲ 193%€447k▲ 68.4%

Operating result€112k-€236k▲ 111%€240k▲ 1.7%

Net result€88k-€175k▲ 98.5%€182k▲ 3.8%

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 two years in a row; 2024 is 2% above 2023 and is the highest year so far.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €600k

30.5%

69.5%

Fixed assets €183k▲ 21.3%

Current assets €417k▲ 32.2%

Equity and liabilities €600k

74.6%

25.4%

Equity €447k▲ 68.4%

Debt €153k▼ 23.9%

The debt ratio falls from 43.0% to 25.4%: equity grows while debt is paid down.

Key figures and ratios

2024 value · change against 2023

EBITDA

€277k▲

2023 · €257k

Cash flow

€219k▲

2023 · €196k

Solvency

74.6%▲

2023 · 57.0%

Current ratio

3.17▲

2023 · 1.93

Quick ratio

2.86▲

2023 · 1.93

Debt / equity

0.34▼

2023 · 0.76

ROE

40.6%▼

2023 · 65.9%

ROA

30.3%▼

2023 · 37.5%

Interest coverage

52.06▲

2023 · 38.45

Debt

€153k▼

2023 · €201k

Debt ≤ 1 year

€132k▼

2023 · €163k

Debt > 1 year

€21k▼

2023 · €35k

Income taxes

€56k▲

2023 · €55k

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

Balance sheet Code20232024

Assets

Total assets20/58€466k€600k▲

Fixed assets21/28€151k€183k▲

Intangible fixed assets21€10k€6k▼

Tangible fixed assets22/27€141k€177k▲

Land and buildings22€50k€50k=

Plant, machinery and equipment23€65k€93k▲

Furniture and vehicles24€26k€33k▲

Other tangible fixed assets26-€2k

Current assets29/58€315k€417k▲

Stocks and contracts in progress3-€41k

Stocks30/36-€41k

Amounts receivable within one year40/41€273k€132k▼

Trade receivables40€255k€127k▼

Other amounts receivable41€18k€5k▼

Current investments50/53-€49k

Cash at bank and in hand54/58€40k€193k▲

Deferred charges and accrued income490/1€2k€2k▲

Equity and liabilities

Total equity and liabilities10/49€466k€600k▲

Equity10/15€266k€447k▲

Contributions10/11€3k€3k=

Profit (loss) carried forward14€263k€445k▲

Amounts payable17/49€201k€153k▼

Amounts payable after more than one year17€35k€21k▼

Financial debts170/4€35k€21k▼

Amounts payable within one year42/48€163k€132k▼

Current portion of amounts payable after more than one year42€14k€14k▲

Financial debts43-€35k

Credit institutions430/8-€35k

Trade debts44€58k€25k▼

Suppliers440/4€58k€25k▼

Advances received on contracts in progress46€5k€6k▲

Taxes, remuneration and social security45€44k€45k▲

Taxes450/3€44k€45k▲

Other amounts payable47/48€43k€7k▼

Accrued charges and deferred income492/3€2k-

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€37k▲

Other operating charges640/8€8k€4k▼

Gross operating margin9900€265k€281k▲

Operating profit (loss)9901€236k€240k▲

Financial income75/76B€296€3k▲

Recurring financial income75€296€3k▲

Financial charges65/66B€7k€5k▼

Recurring financial charges65€7k€5k▼

Profit (loss) for the period before taxes9903€230k€238k▲

Income taxes67/77€55k€56k▲

Profit (loss) for the period9904€175k€182k▲

Profit (loss) for the period to be appropriated9905€175k€182k▲

Appropriation of the result

Profit (loss) to be appropriated9906€263k€445k▲

Profit (loss) brought forward from the previous period14P€88k€263k▲

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 5Financial 2Filings 3

2025

27-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 27 days late

2024

31-12

Financial Highest result since 2022net €182k ▲3.8%

Operating result €240k, net result €182k, both a record.

26-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Equity above €200kEq €266k ▲193%

2 profitable years in a row build equity to €266k.

28-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Heidestraat 1082070 Beveren-Kruibeke-Zwijndrecht

Ground area

227 m²

Building footprint

177 m²

Volume, LiDAR

1,065 m³

Parcel 11056B0655/00L000, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Zon & Klaar

Heidestraat 108, 2070 Beveren-Kruibeke-ZwijndrechtRepair and maintenance of fabricated metal products

since 20212.319.028.092

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11056B0655/00L000	Flanders	227 m²	1 · 177 m²	11.0 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.

Public money · subsidies and aid

Flemish government

2025 · 1 entry · 405 EUR awarded · 405 EUR paid

Year	Entries	awarded	paid
2025	1	405 EUR	405 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 405 EUR · 405 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Knokke-Heist · Eq €450k

Of 6,991 companies in sector 43221 we hold annual accounts for 3,445. 2,402 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded28-06-2021

Fiscal year end31-12

Activities, NACEBEL

43221Plumbing work

43222Installation of electric heating, air conditioning, cooling and ventilation

33110Repair and maintenance of fabricated metal products

71209Other technical testing and analysis

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.