ZOULA
ActiveZOULA has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €586k and a net result of €122k. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 89% of 2004 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+4
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 5.11 against 3.68 in 2024; short-term debt: 14.8% and cash: 30.4% of total assets), and 14.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
85.1%
Return on assets
17.7%
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
25 d late
2023
23 d late
2022
29 d late
2021
26 d late
2020
121 d late
2019
84 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€122k▼ 10.3%
2024 · €136k
2018: €68k
2019: €93k
2020: €103k
2021: €145k
2022: €86k
2023: €108k
2024: €136k
2018 → 2025
Working capital
€420k▼ 21.4%
2024 · €534k
2018: €192k
2019: €285k
2020: €377k
2021: €484k
2022: €480k
2023: €482k
2024: €534k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€581k-€623k▲ 7.3%€668k▲ 7.1%€711k▲ 6.5%€586k▼ 17.6%
Operating result€203k-€115k▼ 43.1%€150k▲ 30.2%€186k▲ 23.9%€167k▼ 10.1%
Net result€145k-€86k▼ 40.5%€108k▲ 24.7%€136k▲ 26.1%€122k▼ 10.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €688k
Fixed assets
€166k▼ 14.4%
Current assets
€522k▼ 28.8%
Equity and liabilities €688k
Equity
€586k▼ 17.6%
Debt
€102k▼ 52.7%
The debt ratio falls from 23.3% to 14.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€196k▼
2024 · €216k
Cash flow
€151k▼
2024 · €165k
Solvency
85.1%▲
2024 · 76.7%
Current ratio
5.11▲
2024 · 3.68
Quick ratio
3.33▲
2024 · 2.78
Debt / equity
0.17▼
2024 · 0.30
ROE
20.8%▲
2024 · 19.1%
ROA
17.7%▲
2024 · 14.6%
Interest coverage
63.94▼
2024 · 177.86
Debt
€102k▼
2024 · €216k
Debt ≤ 1 year
€102k▼
2024 · €199k
Debt > 1 year
€0▼
2024 · €17k
Income taxes
€52k▼
2024 · €59k
Staff costs
€186k▲
2024 · €165k
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€927k€688k▼
Fixed assets21/28€194k€166k▼
Intangible fixed assets21-€0
Tangible fixed assets22/27€194k€166k▼
Land and buildings22-€0
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€33k€23k▼
Other tangible fixed assets26€154k€139k▼
Financial fixed assets28€330€330=
Current assets29/58€734k€522k▼
Stocks and contracts in progress3€180k€182k▲
Stocks30/36€180k€182k▲
Amounts receivable within one year40/41€86k€31k▼
Trade receivables40€6k€11k▲
Other amounts receivable41€80k€20k▼
Current investments50/53-€100k
Cash at bank and in hand54/58€467k€209k▼
Deferred charges and accrued income490/1€1k€0▼
Equity and liabilities
Total equity and liabilities10/49€927k€688k▼
Equity10/15€711k€586k▼
Contributions10/11€19k€19k=
Reserves13€577k€451k▼
Distributable reserves133€577k€451k▼
Profit (loss) carried forward14€116k€116k▲
Amounts payable17/49€216k€102k▼
Amounts payable after more than one year17€17k€0▼
Financial debts170/4€17k€0▼
Amounts payable within one year42/48€199k€102k▼
Current portion of amounts payable after more than one year42€20k€18k▼
Trade debts44€7k€36k▲
Suppliers440/4€7k€36k▲
Taxes, remuneration and social security45€80k€48k▼
Taxes450/3€41k€35k▼
Remuneration and social security454/9€40k€13k▼
Other amounts payable47/48€92k€0▼
Accrued charges and deferred income492/3€33€17▼
Income statement
Code20242025
Remuneration, social security and pensions62€165k€186k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€29k▼
Other operating charges640/8€622€2k▲
Gross operating margin9900€381k€384k▲
Operating profit (loss)9901€186k€167k▼
Financial income75/76B€9k€9k▼
Recurring financial income75€9k€9k▼
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€194k€174k▼
Income taxes67/77€59k€52k▼
Profit (loss) for the period9904€136k€122k▼
Profit (loss) for the period to be appropriated9905€136k€122k▼
Appropriation of the result
Profit (loss) to be appropriated9906€251k€237k▼
Profit (loss) brought forward from the previous period14P€115k€116k▲
Transfer from equity791/2€92k€333k▲
Transfer to equity691/2€135k€122k▼
To other reserves6921€135k€122k▼
Profit to be distributed694/7€92k€333k▲
Return on contributions (dividend)694€92k€333k▲
Social balance
Average headcount (FTE)90874.24.5▲
The notes to these accounts (12 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 25 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 26 days late
2021
31-12
Financial
Highest result since 2018net €145k ▲41.4%
Operating result €203k, net result €145k, both a record.
31-12
Financial
Equity above €500kEq €581k ▲23.6%
4 profitable years in a row build equity to €581k.
29-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 121 days late
2020
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 84 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 17 days late
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Huy · 2 establishment units since 2000
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 Ferrer 104500 HuyGround area
1,185 m²
Building footprint
363 m²
Volume, LiDAR
1,891 m³
3 parcels, Wallonia · tallest building 15.7 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
ZOULA
since 20002.096.781.593
ULTRA BIEN
since 20182.281.240.357
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61031B0536/00E000 | Wallonia | 1,069 m² | 1 · 261 m² | 6.1 m · 1 fl. |
| 61031B0171/00A000 | Wallonia | 73 m² | 1 · 75 m² | 12.0 m · 3 fl. |
| 61031B0130/00_000 | Wallonia | 43 m² | 1 · 27 m² | 15.7 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 3,920 companies in sector 71112 we hold annual accounts for 1,295. 642 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-2000
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.