ZORGPUNT

Active

Private limited companyfounded 201313 yrs activeLangerode 17, 3460 Bekkevoort, BelgiumKBO/BCE: BE 0537.194.314

ZORGPUNT has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €447k and a net result of €176k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 13% of 2142 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).

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Checked score

Score 2024

48 / 100

Fair▼ -23 vs 2023

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

Axes · tick = 2023

Profitability100=

Solvency14▼-3

Growth58=

Stability100

Bankruptcy probability, 12 months

1.0% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €21k at 30 days acceptable

Liquidity short (current ratio 0.79 against 1.04 in 2023), and 88.5% 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

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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

Sector 77

higher

← fewer bankruptcies more bankruptcies →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 2142 sector peers (2024).

NBB · sector comparison

Position among 2142 sector peers

Solvency

better than 13%

← weakest strongest →

Growing equity

Equity grew over 2022-2024. Profits are largely retained rather than distributed.

NBB · annual accounts 2024

Equity per financial year

18192021222324

2018 to 2024 · latest year €447k

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 filings

Deviation from the deadline

2025

not confirmed

2024

29 d late

2023

12 d late

2022

35 d late

2021

35 d late

2020

25 d early

2019

49 d late

← 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, abbreviated schema

Equity

€447k▲ 65.2%

2023 · €270k

2018: €578k 2019: €780k 2020: €1.02M 2021: €194k 2022: €212k 2023: €270k

2018 → 2024

Total assets

€3.88M▲ 10.8%

2023 · €3.50M

2018: €760k 2019: €985k 2020: €1.45M 2021: €2.82M 2022: €3.33M 2023: €3.50M

2018 → 2024

Net result

€176k▼ 64.9%

2023 · €502k

2018: €-135k 2019: €-4k 2020: €56k 2021: €383k 2022: €363k 2023: €502k

2018 → 2024

Working capital

€-266k

2023 · €41k

2018: €440k 2019: €596k 2020: €448k 2021: €403k 2022: €512k 2023: €41k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€1.02M-€194k▼ 81.0%€212k▲ 8.9%€270k▲ 27.7%€447k▲ 65.2%

Operating result€55k-€433k▲ 681%€458k▲ 5.8%€846k▲ 84.8%€286k▼ 66.2%

Net result€56k-€383k▲ 586%€363k▼ 5.4%€502k▲ 38.5%€176k▼ 64.9%

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2024; 2024 is 66% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €3.88M

74.4%

25.6%

Fixed assets €2.89M▲ 20.1%

Current assets €991k▼ 9.6%

Equity and liabilities €3.88M

12%

88.5%

Equity €447k▲ 65.2%

Debt €3.43M▲ 6.2%

The debt ratio falls from 92.3% to 88.5%: equity grows faster than debt.

Key figures and ratios

2024 value · change against 2023

EBITDA

€1.01M▼

2023 · €1.71M

Cash flow

€902k▼

2023 · €1.37M

Solvency

11.5%▲

2023 · 7.7%

Current ratio

0.79▼

2023 · 1.04

Quick ratio

0.76▼

2023 · 0.99

Debt / equity

7.68▼

2023 · 11.95

ROE

39.5%▼

2023 · 185.9%

ROA

4.5%▼

2023 · 14.4%

Interest coverage

14.00▼

2023 · 40.03

Debt

€3.43M▲

2023 · €3.23M

Debt ≤ 1 year

€1.26M▲

2023 · €1.06M

Debt > 1 year

€1.37M▼

2023 · €1.97M

Income taxes

€40k▼

2023 · €313k

Staff costs

€950k▲

2023 · €456k

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€3.50M€3.88M▲

Fixed assets21/28€2.40M€2.89M▲

Tangible fixed assets22/27€2.40M€2.89M▲

Land and buildings22€888k€832k▼

Plant, machinery and equipment23€49k€37k▼

Furniture and vehicles24€1.47M€2.02M▲

Current assets29/58€1.10M€991k▼

Stocks and contracts in progress3€56k€40k▼

Stocks30/36€56k€40k▼

Amounts receivable within one year40/41€534k€677k▲

Trade receivables40€529k€653k▲

Other amounts receivable41€5k€23k▲

Current investments50/53€100k€100k=

Cash at bank and in hand54/58€283k€175k▼

Deferred charges and accrued income490/1€124k€0▼

Equity and liabilities

Total equity and liabilities10/49€3.50M€3.88M▲

Equity10/15€270k€447k▲

Contributions10/11€50k€50k=

Profit (loss) carried forward14€220k€397k▲

Amounts payable17/49€3.23M€3.43M▲

Amounts payable after more than one year17€1.97M€1.37M▼

Financial debts170/4€1.12M€1.37M▲

Advances received on contracts in progress176€850k€0▼

Amounts payable within one year42/48€1.06M€1.26M▲

Current portion of amounts payable after more than one year42€530k€316k▼

Trade debts44€42k€589k▲

Suppliers440/4€42k€589k▲

Taxes, remuneration and social security45€380k€40k▼

Taxes450/3€380k€40k▼

Other amounts payable47/48€103k€312k▲

Accrued charges and deferred income492/3€207k€800k▲

Income statement Code20232024

Non-recurring operating income76A€514k€486k▼

Remuneration, social security and pensions62€456k€950k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€863k€725k▼

Other operating charges640/8€15k€10k▼

Non-recurring operating charges66A€10k€637k▲

Gross operating margin9900€2.19M€2.61M▲

Operating profit (loss)9901€846k€286k▼

Financial income75/76B€12k€2k▼

Recurring financial income75€12k€2k▼

Financial charges65/66B€43k€72k▲

Recurring financial charges65€43k€72k▲

Profit (loss) for the period before taxes9903€815k€216k▼

Income taxes67/77€313k€40k▼

Profit (loss) for the period9904€502k€176k▼

Profit (loss) for the period to be appropriated9905€502k€176k▼

Appropriation of the result

Profit (loss) to be appropriated9906€664k€397k▼

Profit (loss) brought forward from the previous period14P€162k€220k▲

Transfer from equity791/2-€0

Profit to be distributed694/7€444k€0▼

Return on contributions (dividend)694€444k€0▼

Social balance

Average headcount (FTE)9087-18.8

The notes to these accounts (17 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 14Financial 4Filings 10

2025

29-08

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema · 29 days late

2024

12-08

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema · 12 days late

2023

31-12

Financial Highest result since 2018net €502k ▲38.5%

Operating result €846k, net result €502k, both a record.

04-09

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema · 35 days late

2022

31-12

Financial Equity above €200kEq €212k ▲8.9%

3 profitable years in a row build equity to €212k.

04-09

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema · 35 days late

2021

06-07

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema

2020

31-12

Financial Back to profitnet €56k

Net result €56k after 2 loss-making years.

31-12

Financial Equity above €1MEq €1.02M ▲30.9%

Equity rises from €780k to €1.02M.

18-09

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema · 49 days late

2019

17-06

NBB filing Annual accounts filed

fiscal year 2018 · abbreviated schema

2018

07-06

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema

2017

21-06

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema

2016

20-06

NBB filing Annual accounts filed

fiscal year 2015 · abbreviated schema

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

Directors · office · real estate

Directors

11 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, Bekkevoort · 2 establishment units since 2013

establishment All 2 establishment units 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.

Langerode 173460 Bekkevoort

Ground area

1.3 ha

Building footprint

3,642 m²

Volume, LiDAR

9,486 m³