ZORO
ActiveThe computed 12-month bankruptcy probability of ZORO is 1.7% (moderate). The 2025 annual accounts show equity of €35k and a net result of €17k. Its solvency ranks better than 66% of 11210 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency87▼-13
Growth52
Track record82
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.85 against 1.56 in 2024; short-term debt: 38.5% and cash: 6.1% of total assets), and 38.5% of the assets are financed with debt.
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
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
61.5%
Return on assets
29.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 2 filingsDeviation from the deadline
2025
27 d late
2024
on the day
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€35k▲ 83.4%
2024 · €19k
2024: €19k
2024 → 2025
Total assets
€58k▲ 124%
2024 · €26k
2024: €26k
2024 → 2025
Net result
€17k▼ 1.6%
2024 · €17k
2024: €17k
2024 → 2025
Working capital
€19k▲ 426%
2024 · €4k
2024: €4k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€19k-€35k▲ 83.4%
Operating result€22k-€22k▲ 1.5%
Net result€17k-€17k▼ 1.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €58k
Fixed assets
€17k▲ 5.4%
Current assets
€41k▲ 310%
Equity and liabilities €58k
Equity
€35k▲ 83.4%
Debt
€22k▲ 245%
The debt ratio rises from 25.0% to 38.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€24k▲
2024 · €22k
Cash flow
€19k▲
2024 · €17k
Solvency
61.5%▼
2024 · 75.0%
Current ratio
1.85▲
2024 · 1.56
Quick ratio
1.85▲
2024 · 1.56
Debt / equity
0.63▲
2024 · 0.33
ROE
47.7%▼
2024 · 88.9%
ROA
29.4%▼
2024 · 66.7%
Interest coverage
329.84
Debt
€22k▲
2024 · €6k
Debt ≤ 1 year
€22k▲
2024 · €6k
Income taxes
€5k▲
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€26k€58k▲
Fixed assets21/28€16k€17k▲
Intangible fixed assets21-€2k
Tangible fixed assets22/27€16k€15k▼
Furniture and vehicles24€645€507▼
Other tangible fixed assets26€15k€14k▼
Current assets29/58€10k€41k▲
Amounts receivable within one year40/41€3k€37k▲
Trade receivables40€2k€10k▲
Other amounts receivable41€833€28k▲
Cash at bank and in hand54/58€7k€4k▼
Deferred charges and accrued income490/1-€289
Equity and liabilities
Total equity and liabilities10/49€26k€58k▲
Equity10/15€19k€35k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€16k€32k▲
Amounts payable17/49€6k€22k▲
Amounts payable within one year42/48€6k€22k▲
Trade debts44€333€3k▲
Suppliers440/4€333€3k▲
Taxes, remuneration and social security45€5k€15k▲
Taxes450/3€5k€15k▲
Other amounts payable47/48€2k€4k▲
Income statement
Code20242025
Non-recurring operating income76A-€15
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€295€2k▲
Other operating charges640/8€533€66▼
Gross operating margin9900€23k€24k▲
Operating profit (loss)9901€22k€22k▲
Financial income75/76B€0€289▲
Recurring financial income75€0€289▲
Financial charges65/66B-€73
Recurring financial charges65-€73
Profit (loss) for the period before taxes9903€22k€22k▲
Income taxes67/77€5k€5k▲
Profit (loss) for the period9904€17k€17k▼
Profit (loss) for the period to be appropriated9905€17k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€33k▲
Profit (loss) brought forward from the previous period14P-€16k
Profit to be distributed694/7€859€833▼
Return on contributions (dividend)694€859€833▼
The notes to these accounts (13 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Charleroi · 1 establishment unit since 2024
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 du Longtry 506032 CharleroiGround area
213 m²
Building footprint
140 m²
Volume, LiDAR
1,282 m³
Parcel 52352C0228/00X002, Wallonia · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ZORO
since 20242.360.566.066
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52352C0228/00X002 | Wallonia | 213 m² | 1 · 140 m² | 11.1 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.
Similar companies · same sector, comparable size
EG ALLIANCE
BE 0635.789.864
Meise · Eq €35k
Ag Ambition
BE 0739.623.416
Sint-Niklaas · Eq €35k
LWD
BE 0830.794.904
Nazareth-De Pinte · Eq €35k
ANAGROM
BE 0466.350.660
Kalmthout · Eq €36k
A.E.T.E.C.
BE 0860.790.866
Vorst · Eq €35k
Of 6,157 companies in sector 46190 we hold annual accounts for 2,567. 1,846 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-05-2024
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
62020IT consultancy
62030Computer programming, consultancy and related activities
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.