ZONE 13
ActiveSummary
ZONE 13 has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €126k and a net result of €47k. Equity is growing by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 62% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
90
/ 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=
Solvency93▼-7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 3.01 against 7.09 in 2024; short-term debt: 31.9% and cash: 27.9% of total assets), and 31.9% 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○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 · 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
68.1%
Return on assets
25.3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-07-2026, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
27 d early
2024
51 d early
2023
43 d early
2022
24 d late
2021
54 d early
2020
51 d early
2019
56 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€126k▲ 2.6%
2024 · €123k
2018: €85k
2019: €91k
2020: €40k
2021: €74k
2022: €81k
2023: €93k
2024: €123k
2018 → 2025
Total assets
€185k▲ 30.8%
2024 · €142k
2018: €152k
2019: €135k
2020: €137k
2021: €130k
2022: €135k
2023: €137k
2024: €142k
2018 → 2025
Net result
€47k▲ 23.3%
2024 · €38k
2018: €23k
2019: €7k
2020: €-40k
2021: €43k
2022: €27k
2023: €36k
2024: €38k
2018 → 2025
Working capital
€119k▲ 5.2%
2024 · €113k
2018: €76k
2019: €79k
2020: €76k
2021: €79k
2022: €82k
2023: €84k
2024: €113k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€74k-€81k▲ 9.0%€93k▲ 15.2%€123k▲ 32.2%€126k▲ 2.6%
Operating result€54k-€40k▼ 26.2%€51k▲ 28.3%€55k▲ 7.0%€66k▲ 21.1%
Net result€43k-€27k▼ 36.9%€36k▲ 32.2%€38k▲ 6.4%€47k▲ 23.3%
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 three years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €185k
Fixed assets
€7k ▼ 27.2%
Current assets
€178k ▲ 35.3%
Equity and liabilities €185k
Equity
€126k ▲ 2.6%
Debt
€59k ▲ 218%
Debt's share of the balance-sheet total rises from 13.1% to 31.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€71k▲
2024 · €59k
Cash flow
€52k▲
2024 · €43k
Current ratio
3.01▼
2024 · 7.09
Debt to equity
0.47▲
2024 · 0.15
ROE
37.1%▲
2024 · 30.9%
ROA
25.3%▼
2024 · 26.8%
Interest coverage
89.65▲
2024 · 70.67
Debt ≤ 1 year
€59k▲
2024 · €19k
Income taxes
€20k▲
2024 · €16k
Staff costs
€221▲
2024 · €214
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€142k€185k▲
Fixed assets21/28€10k€7k▼
Tangible fixed assets22/27€8k€5k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€2k€1k▼
Financial fixed assets28€2k€2k=
Current assets29/58€132k€178k▲
Amounts receivable after more than one year29€16k€16k=
Other amounts receivable291€16k€16k=
Amounts receivable within one year40/41€18k€47k▲
Trade receivables40€18k€25k▲
Other amounts receivable41€45€22k▲
Current investments50/53€45k€63k▲
Cash at bank and in hand54/58€36k€52k▲
Deferred charges and accrued income490/1€17k€726▼
Equity and liabilities
Total equity and liabilities10/49€142k€185k▲
Equity10/15€123k€126k▲
Contributions10/11€19k€19k=
Reserves13€143k€146k▲
Distributable reserves133€143k€146k▲
Profit (loss) carried forward14€-38k€-38k=
Amounts payable17/49€19k€59k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€19k€59k▲
Current portion of amounts payable after more than one year42€5k€0▼
Trade debts44€419€423▲
Suppliers440/4€419€423▲
Taxes, remuneration and social security45€3k€18k▲
Taxes450/3€3k€18k▲
Other amounts payable47/48€10k€41k▲
Income statement
Code20242025
Remuneration, social security and pensions62€214€221▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€61k€73k▲
Operating profit (loss)9901€55k€66k▲
Financial income75/76B€423€995▲
Recurring financial income75€423€995▲
Financial charges65/66B€840€791▼
Recurring financial charges65€840€791▼
Profit (loss) for the period before taxes9903€54k€66k▲
Income taxes67/77€16k€20k▲
Profit (loss) for the period9904€38k€47k▲
Profit (loss) for the period to be appropriated9905€38k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-450€8k▲
Profit (loss) brought forward from the previous period14P€-38k€-38k=
Transfer from equity791/2€7k€43k▲
Transfer to equity691/2€37k€46k▲
To other reserves6921€37k€46k▲
Profit to be distributed694/7€8k€44k▲
Return on contributions (dividend)694€8k€44k▲
The notes to these accounts (8 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
04-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €47k ▲23.3%
Operating result €66k, net result €47k, both a record.
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 7.09
Current ratio from 3.19 to 7.09; short-term debt falls from €38k to €19k.
31-12
Financial
Equity above €100kEq €123k ▲32.2%
4 profitable years in a row build equity to €123k.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €43k
Net result €43k after one loss-making year.
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-40k ▼652%
Net result drops to €-40k, the lowest in the series; recovery starts the following year.
05-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
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, Holsbeek · 1 establishment unit since 2008
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.
Gravenstraat 153220 HolsbeekGround area
1,144 m²
Building footprint
176 m²
Volume, LiDAR
898 m³
Parcel 24056B0442/00D000, Flanders · tallest building 6.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ZONE 13
since 20082.172.064.085
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24056B0442/00D000 | Flanders | 1,144 m² | 1 · 176 m² | 6.1 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.
Similar companies · same sector, comparable size
MU-ST Consulting
BE 0780.562.265
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wAwORTA
BE 0808.662.868
Gent · Eq €126,355
OCP-coaching
BE 0434.536.541
Kontich · Eq €126,366
TECHNILOOP
BE 0772.817.707
Elsene · Eq €126,366
Evolutions
BE 0719.365.460
Sint-Niklaas · Eq €126,329
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,843 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
Founded01-07-2008
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.