ZORG-PASSIE
ActiveThe computed 12-month bankruptcy probability of ZORG-PASSIE is 2.2% (moderate). The 2025 annual accounts show equity of €190k and a net result of €53k. Equity is growing by ~38.3% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+10
Solvency74▲+11
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 4.92 against 3.15 in 2024; short-term debt: 7.6% and cash: 23.8% of total assets), but 50.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
49.4%
Return on assets
13.9%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
41 d early
2022
23 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€190k▲ 39.1%
2024 · €136k
2022: €41k
2023: €117k
2024: €136k
2022 → 2025
Total assets
€384k▲ 6.8%
2024 · €359k
2022: €81k
2023: €213k
2024: €359k
2022 → 2025
Net result
€53k▲ 172%
2024 · €20k
2022: €38k
2023: €75k
2024: €20k
2022 → 2025
Working capital
€115k▲ 78.1%
2024 · €64k
2022: €62k
2023: €116k
2024: €64k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€41k-€117k▲ 182%€136k▲ 16.8%€190k▲ 39.1%
Operating result€53k-€106k▲ 101%€33k▼ 69.4%€82k▲ 154%
Net result€38k-€75k▲ 96.7%€20k▼ 74.1%€53k▲ 172%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 154% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €384k
Fixed assets
€240k▼ 9.6%
Current assets
€144k▲ 52.6%
Equity and liabilities €384k
Equity
€190k▲ 39.1%
Debt
€194k▼ 13.0%
The debt ratio falls from 62.1% to 50.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€108k▲
2024 · €58k
Cash flow
€79k▲
2024 · €45k
Solvency
49.4%▲
2024 · 37.9%
Current ratio
4.92▲
2024 · 3.15
Quick ratio
4.92▲
2024 · 3.15
Debt / equity
1.02▼
2024 · 1.64
ROE
28.1%▲
2024 · 14.4%
ROA
13.9%▲
2024 · 5.4%
Interest coverage
12.02▲
2024 · 6.98
Debt
€194k▼
2024 · €223k
Debt ≤ 1 year
€29k▼
2024 · €30k
Debt > 1 year
€164k▼
2024 · €192k
Income taxes
€21k▲
2024 · €5k
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€359k€384k▲
Fixed assets21/28€265k€240k▼
Tangible fixed assets22/27€265k€240k▼
Land and buildings22€209k€199k▼
Plant, machinery and equipment23€6k€4k▼
Leasing and similar rights25€50k€37k▼
Current assets29/58€94k€144k▲
Amounts receivable within one year40/41€14k€31k▲
Trade receivables40€5k€5k=
Other amounts receivable41€9k€26k▲
Cash at bank and in hand54/58€62k€91k▲
Deferred charges and accrued income490/1€18k€21k▲
Equity and liabilities
Total equity and liabilities10/49€359k€384k▲
Equity10/15€136k€190k▲
Contributions10/11€3k€3k=
Reserves13€133k€187k▲
Distributable reserves133€133k€187k▲
Amounts payable17/49€223k€194k▼
Amounts payable after more than one year17€192k€164k▼
Financial debts170/4€192k€164k▼
Amounts payable within one year42/48€30k€29k▼
Current portion of amounts payable after more than one year42€27k€28k▲
Trade debts44€147€388▲
Suppliers440/4€147€388▲
Taxes, remuneration and social security45€3k€988▼
Taxes450/3€3k€988▼
Accrued charges and deferred income492/3€1k€592▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€25k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€59k€109k▲
Operating profit (loss)9901€33k€82k▲
Financial income75/76B€98€695▲
Recurring financial income75€98€695▲
Financial charges65/66B€8k€9k▲
Recurring financial charges65€8k€9k▲
Profit (loss) for the period before taxes9903€24k€74k▲
Income taxes67/77€5k€21k▲
Profit (loss) for the period9904€20k€53k▲
Profit (loss) for the period to be appropriated9905€20k€53k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€53k▲
Transfer to equity691/2€20k€53k▲
To other reserves6921€20k€53k▲
The notes to these accounts (9 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Equity above €150kEq €190k ▲39.1%
4 profitable years in a row build equity to €190k.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €20k ▼74.1%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
20-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2022net €75k ▲96.7%
Operating result €106k, net result €75k, both a record.
30-09
Financial
Equity above €100kEq €117k ▲182%
2 profitable years in a row build equity to €117k.
07-04
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
3 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, Hamme (Vl.) · 1 establishment unit since 2021
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.
Kerkstraat 359220 Hamme (Vl.)Ground area
81 m²
Building footprint
81 m²
Volume, LiDAR
559 m³
Parcel 42452B0599/00D000, Flanders · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ZORG-PASSIE
since 20212.320.307.801
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42452B0599/00D000 | Flanders | 81 m² | 1 · 81 m² | 12.8 m · 3 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-07-2021
Fiscal year end30-09
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.