ZORGMARKT
ActiveSummary
The computed 12-month bankruptcy probability of ZORGMARKT is 2.1% (moderate). The 2025 annual accounts show equity of €8,011 and a net result of -€3,426. Equity is shrinking by ~10% per year across the filed fiscal years. Its solvency ranks better than 31% of 1535 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability27▼-3
Solvency35▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.11 against 1.16 in 2024; short-term debt: 90.3% and cash: 0.1% of total assets), and 90.3% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Rental and leasing activities (NACE 77)
about 44% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
9.7%
Return on assets
-4.1%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2122232425
2021 to 2025 · latest year -€3,426
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 30-07-2026, 1 day ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
1 d early
2024
71 d late
2023
110 d late
2022
153 d late
2021
153 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 97 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 38% of the sector filed late.
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. Usually files around 19 November (4 of the last 5 filed years within 42 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€8,011▼ 30.0%
2024 · €11,437
Total assets
€82,959▼ 0.4%
2024 · €83,290
Net result
-€3,426▼ 31.4%
2024 · -€2,608
Working capital
€8,011▼ 30.0%
2024 · €11,437
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 77, Rental and leasing activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€4,583-€10,913€1,124▼ 89.7%-€2,127-€3,068▼ 44.3%
Net result-€4,909below the sector's middle half-€9,610within the sector's middle half-€655within the sector's middle half-€2,608within the sector's middle half▼ 298%-€3,426within the sector's middle half▼ 31.4%
Equity€5,091within the sector's middle half-€14,700within the sector's middle half▲ 189%€14,045within the sector's middle half▼ 4.5%€11,437within the sector's middle half▼ 18.6%€8,011within the sector's middle half▼ 30.0%
Total assets€31,049below the sector's middle half-€80,954within the sector's middle half▲ 161%€77,978within the sector's middle half▼ 3.7%€83,290within the sector's middle half▲ 6.8%€82,959within the sector's middle half▼ 0.4%
Debt€25,958-€66,254▲ 155%€63,933▼ 3.5%€71,853▲ 12.4%€74,948▲ 4.3%
Working capital€5,091within the sector's middle half-€14,700within the sector's middle half▲ 189%€14,045within the sector's middle half▼ 4.5%€11,437within the sector's middle half▼ 18.6%€8,011within the sector's middle half▼ 30.0%
Solvency16.4%within the sector's middle half-18.2%within the sector's middle half▲ 1.8pp18.0%within the sector's middle half▼ 0.1pp13.7%within the sector's middle half▼ 4.3pp9.7%within the sector's middle half▼ 4.1pp
Current ratio1.20within the sector's middle half-1.22within the sector's middle half▲ 0.031.22within the sector's middle half=1.16within the sector's middle half▼ 0.061.11within the sector's middle half▼ 0.05
Return on assets (ROA)-15.8%below the sector's middle half-11.9%within the sector's middle half▲ 27.7pp-0.8%within the sector's middle half▼ 12.7pp-3.1%within the sector's middle half▼ 2.3pp-4.1%within the sector's middle half▼ 1.0pp
above
within
below
the middle half (P25 to P75) of NACE 77, Rental and leasing activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3,068 in 2025 against €2,127 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €82,959
Equity
€8,011 ▼ 30.0%
Debt
€74,948 ▲ 4.3%
Debt's share of the balance-sheet total rises from 86.3% to 90.3%. Equity is lower and debt is higher.
Key figures and ratios
Quick ratio
0.45▼
2024 · 0.48
Debt to equity
9.36▲
2024 · 6.28
ROE
-42.8%▼
2024 · -22.8%
Debt ≤ 1 year
€74,948▲
2024 · €71,853
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 849 companies that looked in July 2024 the way this one looks now, 3.9% went bankrupt within 24 months and 92% are still going.
- Micro
- 5 to 10 years old
- solvency under 10%
- a small loss
3.9%
went bankrupt
3.3%
stopped otherwise
92%
still going
A further 0.9% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 849 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,920 | - | - | - | - | - |
| Other operating charges640/8 | €409 | €348 | €692 | €613 | €400 | ▼ 34.8% |
| Gross operating margin9900 | -€2,253 | €11,261 | €1,816 | -€1,514 | -€2,669 | ▼ 76.3% |
| Operating profit (loss)9901 | -€4,583 | €10,913 | €1,124 | -€2,127 | -€3,068 | ▼ 44.3% |
| Financial income75/76B | €16 | €12 | - | €190 | - | - |
| Recurring financial income75 | €16 | €12 | - | €190 | - | - |
| Non-recurring financial income76B | - | - | - | €190 | - | - |
| Financial charges65/66B | €343 | €142 | €220 | €671 | €358 | ▼ 46.7% |
| Recurring financial charges65 | €343 | €142 | €220 | €446 | €341 | ▼ 23.5% |
| Non-recurring financial charges66B | - | - | - | €225 | €17 | ▼ 92.6% |
| Profit (loss) for the period before taxes9903 | -€4,909 | €10,783 | €905 | -€2,608 | -€3,426 | ▼ 31.4% |
| Income taxes67/77 | - | €1,174 | €1,560 | - | - | - |
| Profit (loss) for the period9904 | -€4,909 | €9,610 | -€655 | -€2,608 | -€3,426 | ▼ 31.4% |
| Profit (loss) for the period to be appropriated9905 | -€4,909 | €9,610 | -€655 | -€2,608 | -€3,426 | ▼ 31.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €31,049 | €80,954 | €77,978 | €83,290 | €82,959 | ▼ 0.4% |
| Current assets29/58 | €31,049 | €80,954 | €77,978 | €83,290 | €82,959 | ▼ 0.4% |
| Stocks and contracts in progress3 | €23,401 | €44,401 | €49,144 | €49,144 | €49,144 | = |
| Stocks30/36 | €23,401 | €44,401 | €49,144 | €49,144 | €49,144 | = |
| Amounts receivable within one year40/41 | €6,289 | €36,262 | €27,155 | €34,060 | €33,730 | ▼ 1.0% |
| Trade receivables40 | €6,289 | €32,752 | €26,253 | €33,630 | €33,388 | ▼ 0.7% |
| Other amounts receivable41 | - | €3,510 | €902 | €430 | €342 | ▼ 20.6% |
| Cash at bank and in hand54/58 | €1,322 | €247 | €1,657 | €86 | €86 | = |
| Deferred charges and accrued income490/1 | €37 | €44 | €23 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €31,049 | €80,954 | €77,978 | €83,290 | €82,959 | ▼ 0.4% |
| Equity10/15 | €5,091 | €14,700 | €14,045 | €11,437 | €8,011 | ▼ 30.0% |
| Contributions10/11 | €10,000 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Profit (loss) carried forward14 | -€4,909 | €4,700 | €4,045 | €1,437 | -€1,989 | ▼ 238% |
| Amounts payable17/49 | €25,958 | €66,254 | €63,933 | €71,853 | €74,948 | ▲ 4.3% |
| Amounts payable within one year42/48 | €25,958 | €66,254 | €63,933 | €71,853 | €74,948 | ▲ 4.3% |
| Financial debts43 | - | - | - | €198 | €23 | ▼ 88.6% |
| Credit institutions430/8 | - | - | - | €198 | €23 | ▼ 88.6% |
| Trade debts44 | €3,575 | €41,761 | €34,547 | €37,380 | €39,592 | ▲ 5.9% |
| Suppliers440/4 | €3,575 | €41,761 | €34,547 | €37,380 | €39,592 | ▲ 5.9% |
| Advances received on contracts in progress46 | €1,993 | €2,819 | €2,819 | €2,583 | €2,583 | = |
| Taxes, remuneration and social security45 | €390 | €1,174 | €3,230 | €858 | €903 | ▲ 5.3% |
| Taxes450/3 | €390 | €1,174 | €3,230 | €858 | €903 | ▲ 5.3% |
| Other amounts payable47/48 | €20,000 | €20,500 | €23,337 | €30,834 | €31,848 | ▲ 3.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€4,909 | €9,610 | -€655 | -€2,608 | -€3,426 | ▼ 31.4% |
| + Depreciation and write-downs630 | €1,920 | - | - | - | - | - |
| Operating cash flow (approximation) | -€2,989 | €9,610 | -€655 | -€2,608 | -€3,426 | ▼ 31.4% |
| Change in cash | - | -€1,075 | €1,410 | -€1,571 | €0 | ▲ 100% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 71 days late
2024
18-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 110 days late
2023
31-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 153 days late
2022
31-12
Financial
Back to profitnet €9,610
Net result €9,610 after one loss-making year.
31-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 153 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Erpe-Mere · 1 establishment unit since 2020
Ground area
1.9 ha
Building footprint
847 m²
Volume, LiDAR
5,117 m³
Parcel 41016D0819/00E000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
1 establishment unit
Oudenaardsesteenweg 258, 9420 Erpe-Mere
since 20202.304.745.932
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41016D0819/00E000 | Flanders | 1.9 ha | 1 · 847 m² | 9.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 143 companies in sector 77225 we hold annual accounts for 81. 25 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded27-05-2020
Fiscal year end31-12
Activities, NACEBEL 2025
77225Rental and leasing activities
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
74999Other professional, scientific and technical activities
Contact
Website
www.zorgmarkt.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0747658578
Also
9925:BE0747658578
Registered
01-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.