ZOSSAM
ActiveThe computed 12-month bankruptcy probability of ZOSSAM is 1.7% (moderate). The 2025 annual accounts show equity of €41k and a net result of €47k. Equity is growing by ~367.1% per year across the filed fiscal years. Its solvency ranks better than 32% of 11210 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▲+78
Solvency43▲+22
Growth78▲+20
Track record94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.21 against 0.96 in 2024; short-term debt: 82.1% and cash: 1.7% of total assets), and 82.1% 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 · 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 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
17.9%
Return on assets
20.5%
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 30-07-2026, 1 day ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
1 d early
2024
29 d late
2023
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
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€47k
2024 · €-3k
2023: €-4k
2024: €-3k
2023 → 2025
Working capital
€39k
2024 · €-7k
2023: €-3k
2024: €-7k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-3k-€-6k▼ 118%€41k
Operating result€-4k-€-3k▲ 20.7%€61k
Net result€-4k-€-3k▲ 13.6%€47k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €61k after a loss of €3k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €228k
Fixed assets
€2k▲ 144%
Current assets
€226k▲ 49.0%
Equity and liabilities €228k
Equity
€41k
Debt
€188k
Debt finances 82.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€62k▲
2024 · €-3k
Cash flow
€48k▲
2024 · €-3k
Solvency
17.9%▲
2024 · -3.9%
Current ratio
1.21▲
2024 · 0.96
Quick ratio
1.21▲
2024 · 0.96
Debt / equity
4.58▲
2024 · -26.67
ROE
114.5%
ROA
20.5%▲
2024 · -2.1%
Interest coverage
14.58▲
2024 · -10.35
Debt
€188k▲
2024 · €159k
Debt ≤ 1 year
€188k▲
2024 · €159k
Income taxes
€10k
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€153k€228k▲
Fixed assets21/28€976€2k▲
Tangible fixed assets22/27€976€2k▲
Furniture and vehicles24€976€2k▲
Current assets29/58€152k€226k▲
Amounts receivable within one year40/41€135k€222k▲
Trade receivables40€135k€221k▲
Other amounts receivable41-€748
Cash at bank and in hand54/58€16k€4k▼
Equity and liabilities
Total equity and liabilities10/49€153k€228k▲
Equity10/15€-6k€41k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€-7k€40k▲
Amounts payable17/49€159k€188k▲
Amounts payable within one year42/48€159k€188k▲
Trade debts44€85k€1k▼
Suppliers440/4€85k€1k▼
Taxes, remuneration and social security45-€10k
Taxes450/3-€10k
Other amounts payable47/48€74k€176k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€224€799▲
Other operating charges640/8€3k€209▼
Gross operating margin9900€705€62k▲
Operating profit (loss)9901€-3k€61k▲
Financial income75/76B-€16
Recurring financial income75-€16
Financial charges65/66B€264€4k▲
Recurring financial charges65€264€4k▲
Profit (loss) for the period before taxes9903€-3k€57k▲
Income taxes67/77-€10k
Profit (loss) for the period9904€-3k€47k▲
Profit (loss) for the period to be appropriated9905€-3k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€40k▲
Profit (loss) brought forward from the previous period14P€-4k€-7k▼
The notes to these accounts (5 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €47k
Net result €47k after 2 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · full 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, Tournai · 1 establishment unit since 2022
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 Saint-Eleuthère(TOU) 1027500 TournaiGround area
71 m²
Building footprint
78 m²
Volume, LiDAR
848 m³
Parcel 57463L0206/00L003, Wallonia · tallest building 12.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rue Saint-Eleuthère(TOU) 102, 7500 Tournai
since 20222.342.872.276
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57463L0206/00L003 | Wallonia | 71 m² | 1 · 78 m² | 12.7 m · 4 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
BALIPATI
BE 0736.675.012
Zedelgem · Eq €39k
JEANSAM
BE 0848.395.454
Sint-Lambrechts-Woluwe · Eq €39k
MOCA
BE 0811.792.802
Gent · Eq €39k
LARA HOME
BE 0775.525.193
Sint-Jans-Molenbeek · Eq €43k
MW & D PROJECTS
BE 0807.064.447
Stekene · Eq €45k
Of 335 companies in sector 46471 we hold annual accounts for 189. 126 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-12-2022
Fiscal year end31-12
Activities, NACEBEL
46471Wholesale trade
70200Business and other management consultancy
70220Business consulting
46150Agents in the wholesale of furniture, household goods and hardware
46472Wholesale trade
46650Wholesale trade
47551Retail sale of household furniture
47591Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.
Contact details
1 entryE-mail:zo@zossam.com