Zoto
ActiveZoto has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81k and a net result of €25k. Equity is growing by ~21.6% per year across the filed fiscal years. Its solvency ranks better than 34% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+14
Solvency67▲+16
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.53 against 1.36 in 2024), but 64.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
35.7%
Return on assets
10.8%
Age of the figures
8 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 20-07-2026, 11 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
11 d early
2024
8 d early
2023
30 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
87 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€81k▲ 43.2%
2024 · €57k
2018: €18k
2019: €11k
2020: €56k
2021: €114k
2022: €68k
2023: €47k
2024: €57k
2018 → 2025
Total assets
€228k▲ 11.7%
2024 · €204k
2018: €35k
2019: €64k
2020: €137k
2021: €156k
2022: €125k
2023: €107k
2024: €204k
2018 → 2025
Net result
€25k▲ 152%
2024 · €10k
2018: €598
2019: €-6k
2020: €45k
2021: €70k
2022: €-59k
2023: €-6k
2024: €10k
2018 → 2025
Working capital
€77k▲ 44.4%
2024 · €53k
2018: €14k
2019: €7k
2020: €44k
2021: €88k
2022: €40k
2023: €42k
2024: €53k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€114k-€68k▼ 40.3%€47k▼ 31.0%€57k▲ 20.7%€81k▲ 43.2%
Operating result€90k-€-58k€-6k▲ 89.6%€5k€32k▲ 550%
Net result€70k-€-59k€-6k▲ 89.4%€10k€25k▲ 152%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 550% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €228k
Fixed assets
€4k▲ 24.8%
Current assets
€224k▲ 11.5%
Equity and liabilities €228k
Equity
€81k▲ 43.2%
Debt
€147k▼ 0.4%
The debt ratio falls from 72.1% to 64.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€34k▲
2024 · €7k
Cash flow
€27k▲
2024 · €12k
Solvency
35.7%▲
2024 · 27.9%
Current ratio
1.53▲
2024 · 1.36
Quick ratio
1.53▲
2024 · 1.36
Debt / equity
1.80▼
2024 · 2.59
ROE
30.2%▲
2024 · 17.1%
ROA
10.8%▲
2024 · 4.8%
Interest coverage
17.25▼
2024 · 18.05
Debt
€147k▼
2024 · €147k
Debt ≤ 1 year
€147k▼
2024 · €147k
Income taxes
€8k▲
2024 · €479
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€204k€228k▲
Fixed assets21/28€4k€4k▲
Tangible fixed assets22/27€4k€4k▲
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24€722€389▼
Current assets29/58€201k€224k▲
Amounts receivable after more than one year29€25k€47k▲
Other amounts receivable291€25k€47k▲
Amounts receivable within one year40/41€23k€19k▼
Trade receivables40€4k€12k▲
Other amounts receivable41€19k€8k▼
Cash at bank and in hand54/58€151k€158k▲
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€204k€228k▲
Equity10/15€57k€81k▲
Contributions10/11€19k€19k=
Reserves13€38k€63k▲
Tax-exempt reserves132€5k€5k=
Distributable reserves133€33k€58k▲
Amounts payable17/49€147k€147k▼
Amounts payable within one year42/48€147k€147k▼
Trade debts44€23k€18k▼
Suppliers440/4€23k€18k▼
Advances received on contracts in progress46€77k€92k▲
Taxes, remuneration and social security45€460€2k▲
Taxes450/3€460€2k▲
Other amounts payable47/48€47k€35k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€2k€4k▲
Gross operating margin9900€9k€38k▲
Operating profit (loss)9901€5k€32k▲
Financial income75/76B€6k€3k▼
Recurring financial income75€6k€3k▼
Financial charges65/66B€414€2k▲
Recurring financial charges65€414€2k▲
Profit (loss) for the period before taxes9903€10k€33k▲
Income taxes67/77€479€8k▲
Profit (loss) for the period9904€10k€25k▲
Profit (loss) for the period to be appropriated9905€10k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€25k▲
Transfer to equity691/2€10k€25k▲
To other reserves6921€10k€25k▲
The notes to these accounts (7 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-59k ▼183%
Net result drops to €-59k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €70k ▲58%
Operating result €90k, net result €70k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.13
Current ratio from 1.54 to 3.13; short-term debt falls from €81k to €42k.
31-12
Financial
Equity above €100kEq €114k ▲105%
2 profitable years in a row build equity to €114k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €45k
Net result €45k after one loss-making year.
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lebbeke · 1 establishment unit since 2016
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.
Haagstraat 179280 LebbekeGround area
782 m²
Building footprint
152 m²
Volume, LiDAR
1,131 m³
Parcel 42011B0013/00T000, Flanders · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Zoto
since 20162.251.933.588
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42011B0013/00T000 | Flanders | 782 m² | 1 · 152 m² | 9.8 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 750,000 EUR awarded · 575,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 200,000 EUR |
| 2024 | 1 | 0 EUR | 275,000 EUR |
| 2023 | 1 | 500,000 EUR | 100,000 EUR |
| 2022 | 1 | 250,000 EUR | 0 EUR |
Schemes
Subsidie voor projecten internationale klimaatfinanciering (Vlaams klimaatfonds)
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 40,030 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-03-2016
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
10391Manufacture of food products
10850Manufacture of food products
46170Agents in the wholesale of food, beverages and tobacco
64200Holdings
64210Activities of holding companies
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.