ZOUK
ActiveZOUK has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.14M and a net result of €321k. Equity remains stable across the filed fiscal years (±2.5% per year). Its solvency ranks better than 95% of 1721 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+44
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €210k at 30 days acceptable
Liquidity ample (current ratio 13.38 against 18.35 in 2024), and 7.3% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
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
92.7%
Return on assets
13.9%
Age of the figures
8 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €2.1M
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
8 d early
2023
23 d early
2022
42 d early
2021
27 d early
2020
18 d early
2019
31 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.14M▲ 17.6%
2024 · €1.82M
2018: €1.64M
2019: €1.62M
2020: €1.70M
2021: €1.68M
2022: €1.82M
2023: €1.71M
2024: €1.82M
2018 → 2025
Total assets
€2.31M▲ 20.2%
2024 · €1.92M
2018: €1.78M
2019: €6.61M
2020: €3.24M
2021: €3.23M
2022: €1.93M
2023: €1.77M
2024: €1.92M
2018 → 2025
Net result
€321k▲ 188%
2024 · €111k
2018: €641k
2019: €2.79M
2020: €1.48M
2021: €999k
2022: €140k
2023: €-109k
2024: €111k
2018 → 2025
Working capital
€2.10M▲ 19.0%
2024 · €1.76M
2018: €1.64M
2019: €1.57M
2020: €1.63M
2021: €1.56M
2022: €1.74M
2023: €1.64M
2024: €1.76M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.68M-€1.82M▲ 8.3%€1.71M▼ 6.0%€1.82M▲ 6.5%€2.14M▲ 17.6%
Operating result€1.02M-€142k▼ 86.1%€-106k€79k€296k▲ 275%
Net result€999k-€140k▼ 86.0%€-109k€111k€321k▲ 188%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 275% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.31M
Fixed assets
€44k▼ 24.5%
Current assets
€2.27M▲ 21.6%
Equity and liabilities €2.31M
Equity
€2.14M▲ 17.6%
Debt
€169k▲ 66.9%
The debt ratio rises from 5.3% to 7.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€311k▲
2024 · €104k
Cash flow
€336k▲
2024 · €137k
Solvency
92.7%▼
2024 · 94.7%
Current ratio
13.38▼
2024 · 18.35
Quick ratio
13.38▼
2024 · 18.35
Debt / equity
0.08▲
2024 · 0.06
ROE
15.0%▲
2024 · 6.1%
ROA
13.9%▲
2024 · 5.8%
Interest coverage
1239.96▲
2024 · 49.54
Debt
€169k▲
2024 · €102k
Debt ≤ 1 year
€169k▲
2024 · €102k
Income taxes
€589▼
2024 · €601
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€1.92M€2.31M▲
Fixed assets21/28€58k€44k▼
Intangible fixed assets21€52k€41k▼
Tangible fixed assets22/27€5k€2k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€3k€161▼
Financial fixed assets28€1k€1k=
Current assets29/58€1.86M€2.27M▲
Amounts receivable within one year40/41€1.56M€2.05M▲
Trade receivables40€503k€973k▲
Other amounts receivable41€1.06M€1.08M▲
Cash at bank and in hand54/58€276k€189k▼
Deferred charges and accrued income490/1€25k€27k▲
Equity and liabilities
Total equity and liabilities10/49€1.92M€2.31M▲
Equity10/15€1.82M€2.14M▲
Contributions10/11€19k€19k=
Reserves13€1.80M€2.12M▲
Tax-exempt reserves132€1k€1k=
Distributable reserves133€1.80M€2.12M▲
Amounts payable17/49€102k€169k▲
Amounts payable within one year42/48€102k€169k▲
Current portion of amounts payable after more than one year42€10k-
Trade debts44€66k€165k▲
Suppliers440/4€66k€165k▲
Advances received on contracts in progress46€21k-
Taxes, remuneration and social security45€5k€5k▼
Taxes450/3€5k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€16k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€106k€313k▲
Operating profit (loss)9901€79k€296k▲
Financial income75/76B€35k€26k▼
Recurring financial income75€35k€26k▼
Financial charges65/66B€2k€251▼
Recurring financial charges65€2k€251▼
Profit (loss) for the period before taxes9903€112k€321k▲
Income taxes67/77€601€589▼
Profit (loss) for the period9904€111k€321k▲
Profit (loss) for the period to be appropriated9905€111k€321k▲
Appropriation of the result
Profit (loss) to be appropriated9906€111k€321k▲
Transfer to equity691/2€111k€321k▲
To other reserves6921€111k€321k▲
The notes to these accounts (10 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €2MEq €2.14M ▲17.6%
2 profitable years in a row build equity to €2.14M.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €111k
Net result €111k after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-109k ▼178%
Net result drops to €-109k, the lowest in the series; recovery starts the following year.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity times 10current ratio 20.02
Current ratio from 2.00 to 20.02; short-term debt falls from €1.55M to €91k.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €2.79M ▲335%
Operating result €2.88M, net result €2.79M, both a record.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 92 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Sint-Truiden · 1 establishment unit since 2011
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.
Lichtenberglaan 20503800 Sint-TruidenGround area
1.4 ha
Building footprint
3,642 m²
Volume, LiDAR
6,232 m³
Parcel 71353E0501/00H000, Flanders · tallest building 9.9 m. Linked by address, not a title deed.
1 establishment unit
ZOUK
since 20112.200.618.709
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71353E0501/00H000 | Flanders | 1.4 ha | 1 · 3,642 m² | 9.9 m |
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
2023 to 2025 · 3 entries · 3,962 EUR awarded · 5,267 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,222 EUR | 3,962 EUR |
| 2024 | 1 | 1,740 EUR | 0 EUR |
| 2023 | 1 | 0 EUR | 1,305 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Truiden2.200.618.709
Similar companies · same sector, comparable size
Entre-Deux-Monts
BE 0873.571.904
Ieper · Eq €2.14M
GOFFIN HUBERT EN MICHEL
BE 0889.712.803
Sint-Truiden · Eq €2.24M
ELKO FRUIT
BE 0456.750.432
Sint-Truiden · Eq €2.25M
BELFRU
BE 0456.009.767
Oud-Turnhout · Eq €2.03M
Pajottenlander
BE 0472.115.727
Meise · Eq €2.27M
Of 1,344 companies in sector 01240 we hold annual accounts for 320. 195 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-2011
Fiscal year end31-12
Activities, NACEBEL
01240Growing of pome and stone fruits
01610Support activities for crop production
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.