ZONDERMAN
Judicial reorganisationThe file of ZONDERMAN contains 1 judicial reorganisation, as published in the Belgian State Gazette. During the judicial reorganisation Checked does not compute a bankruptcy probability from the figures: of the Belgian companies that opened one in 2023 and 2024, about one in four went bankrupt within twelve months. The 2024 annual accounts show negative equity (€-444k) and a net result of €46k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 37959 sector peers (fiscal year 2024).
Checked score
Score 2024
32
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability81▲+36
Solvency0=
Growth58▲+26
Track record60
Credit verdict
No credit on open account during an ongoing judicial reorganisation
Liquidity short (current ratio 0.02 against 0.02 in 2023; short-term debt: 268.5% and cash: 0.1% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 37959 sector peers (2024).
NBB · sector comparisonPosition among 37959 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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
not confirmed
2024
29 d late
2023
92 d early
2022
157 d late
2021
31 d late
2020
89 d late
2019
92 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€120k
EBIT margin
40.0%
Net result
€46k▲ 510%
2023 · €7k
2018: €24k
2019: €-144k
2020: €-1.03M
2021: €35k
2022: €-12k
2023: €7k
2018 → 2024
Working capital
€-694k▲ 6.2%
2023 · €-739k
2018: €-1.38M
2019: €-448k
2020: €-519k
2021: €-484k
2022: €-747k
2023: €-739k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-519k-€-484k▲ 6.7%€-497k▼ 2.5%€-489k▲ 1.5%€-444k▲ 9.3%
Operating result€-1.03M-€35k€9k▼ 73.4%€18k▲ 95.7%€64k▲ 247%
Net result€-1.03M-€35k€-12k€7k€46k▲ 510%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 247% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €263k
Fixed assets
€250k=
Current assets
€13k▼ 11.3%
Key figures and ratios
Solvency
-168.5%▲
2023 · -184.7%
Current ratio
0.02▼
2023 · 0.02
Quick ratio
0.02▼
2023 · 0.02
Debt / equity
-1.59▼
2023 · -1.54
ROA
17.4%▲
2023 · 2.8%
Debt
€707k▼
2023 · €754k
Debt ≤ 1 year
€707k▼
2023 · €754k
Income taxes
€17k▲
2023 · €7k
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€265k€263k▼
Fixed assets21/28€250k€250k=
Financial fixed assets28€250k€250k=
Current assets29/58€15k€13k▼
Amounts receivable within one year40/41€14k€13k▼
Other amounts receivable41€14k€13k▼
Cash at bank and in hand54/58€932€394▼
Equity and liabilities
Total equity and liabilities10/49€265k€263k▼
Equity10/15€-489k€-444k▲
Contributions10/11€1.00M€1.00M=
Capital10€1.00M€1.00M=
Issued capital100€1.00M€1.00M=
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€3k=
Legal reserve130€3k€3k=
Profit (loss) carried forward14€-1.49M€-1.45M▲
Amounts payable17/49€754k€707k▼
Amounts payable within one year42/48€754k€707k▼
Trade debts44€37k€81k▲
Suppliers440/4€37k€81k▲
Advances received on contracts in progress46€18k-
Taxes, remuneration and social security45€72k€37k▼
Taxes450/3€72k€37k▼
Other amounts payable47/48€627k€589k▼
Income statement
Code20232024
Other operating charges640/8€13k€337▼
Gross operating margin9900€31k€64k▲
Operating profit (loss)9901€18k€64k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€4k€1k▼
Recurring financial charges65€4k€1k▼
Profit (loss) for the period before taxes9903€15k€63k▲
Income taxes67/77€7k€17k▲
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€-1.49M€-1.45M▲
Profit (loss) brought forward from the previous period14P€-1.50M€-1.49M▲
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €46k ▲510%
Net result €46k, the highest in the series.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
04-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 157 days late
2023
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €35k
Net result €35k after 2 loss-making years.
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
31-12
Financial
Weakest financial yearnet €-1.03M
Net result drops to €-1.03M, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
25-09
Judicial reorganisation
Extension
Tribunal de commerce de Liège · collectif · event 18-09-2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 58 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Theux
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.
Rue Hestroumont 194910 TheuxGround area
980 m²
Building footprint
100 m²
Volume, LiDAR
563 m³
Parcel 63044B0143/00A002, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63044B0143/00A002 | Wallonia | 980 m² | 1 · 100 m² | 7.8 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 82,569 companies in sector 70200 we hold annual accounts for 52,577. 34,447 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded26-03-2007
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
69201Accountants
69209Other tax advisory services
72300
73200Market research and public opinion polling
74124
74131
74851
82100Office administrative and support services
82190Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.