ZP algemene aanneming
ActiveThe computed 12-month bankruptcy probability of ZP algemene aanneming is 1.9% (moderate). The 2025 annual accounts show equity of €18k and a net result of €62k. Equity is growing by ~58.7% per year across the filed fiscal years. Its solvency ranks better than 14% of 27358 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
65
/ 100
Healthy▼ -26 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency18▼-58
Growth68▼-10
Stability100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.01 against 1.58 in 2024), and 89.8% 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 43
Relative position
BE, all sectors
reference
Sector 43
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
10.2%
Return on assets
34.3%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 27358 sector peers (2025).
NBB · sector comparisonPosition among 27358 sector peers
Solvency
better than 14%
← weakest
strongest →
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 18-05-2026, 74 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
74 d early
2024
18 d late
2023
44 d early
2022
22 d early
2021
31 d early
2020
24 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€18k▼ 84.3%
2024 · €117k
2020: €18k
2021: €29k
2022: €46k
2023: €131k
2024: €117k
2020 → 2025
Total assets
€181k▼ 36.8%
2024 · €287k
2020: €22k
2021: €41k
2022: €57k
2023: €202k
2024: €287k
2020 → 2025
Net result
€62k▼ 40.1%
2024 · €104k
2020: €13k
2021: €11k
2022: €18k
2023: €99k
2024: €104k
2020 → 2025
Working capital
€1k▼ 98.7%
2024 · €98k
2020: €18k
2021: €17k
2022: €31k
2023: €112k
2024: €98k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€29k-€46k▲ 62.2%€131k▲ 182%€117k▼ 10.7%€18k▼ 84.3%
Operating result€14k-€24k▲ 67.3%€129k▲ 444%€140k▲ 8.5%€90k▼ 35.8%
Net result€11k-€18k▲ 61.1%€99k▲ 454%€104k▲ 5.0%€62k▼ 40.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 36% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €181k
Fixed assets
€17k▼ 7.9%
Current assets
€164k▼ 38.8%
Equity and liabilities €181k
Equity
€18k▼ 84.3%
Debt
€163k▼ 4.1%
The debt ratio rises from 59.2% to 89.8%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€91k▼
2024 · €141k
Cash flow
€64k▼
2024 · €105k
Solvency
10.2%▼
2024 · 40.8%
Current ratio
1.01▼
2024 · 1.58
Quick ratio
1.01▼
2024 · 1.58
Debt / equity
8.85▲
2024 · 1.45
ROE
337.8%▲
2024 · 88.6%
ROA
34.3%▼
2024 · 36.1%
Interest coverage
9.14▼
2024 · 19.35
Debt
€163k▼
2024 · €170k
Debt ≤ 1 year
€163k▼
2024 · €170k
Income taxes
€18k▼
2024 · €29k
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€287k€181k▼
Fixed assets21/28€19k€17k▼
Tangible fixed assets22/27€4k€2k▼
Plant, machinery and equipment23€2k€735▼
Furniture and vehicles24€2k€2k▼
Financial fixed assets28€15k€15k=
Current assets29/58€268k€164k▼
Amounts receivable within one year40/41€177k€104k▼
Trade receivables40€162k€97k▼
Other amounts receivable41€15k€6k▼
Cash at bank and in hand54/58€90k€24k▼
Deferred charges and accrued income490/1€2k€36k▲
Equity and liabilities
Total equity and liabilities10/49€287k€181k▼
Equity10/15€117k€18k▼
Contributions10/11€5k€5k=
Reserves13€112k€13k▼
Distributable reserves133€112k€13k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€170k€163k▼
Amounts payable within one year42/48€170k€163k▼
Financial debts43€13k€33k▲
Credit institutions430/8€13k€33k▲
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Taxes, remuneration and social security45€34k€24k▼
Taxes450/3€34k€24k▼
Other amounts payable47/48€119k€102k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€142k€92k▼
Operating profit (loss)9901€140k€90k▼
Financial income75/76B-€7
Recurring financial income75-€7
Financial charges65/66B€7k€10k▲
Recurring financial charges65€7k€10k▲
Profit (loss) for the period before taxes9903€133k€80k▼
Income taxes67/77€29k€18k▼
Profit (loss) for the period9904€104k€62k▼
Profit (loss) for the period to be appropriated9905€104k€62k▼
Appropriation of the result
Profit (loss) to be appropriated9906€104k€62k▼
Transfer from equity791/2€14k€99k▲
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€118k€161k▲
Return on contributions (dividend)694€118k€161k▲
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
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
31-12
Financial
Highest result since 2020net €104k ▲5%
Operating result €140k, net result €104k, both a record.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €131k ▲182%
4 profitable years in a row build equity to €131k.
09-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €11k ▼17.4%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Hamont-Achel · 1 establishment unit since 2019
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.
Erkstraat 96B3930 Hamont-AchelGround area
442 m²
Building footprint
104 m²
Volume, LiDAR
39 m³
Parcel 72012C0179/00W000, Flanders · tallest building 2.1 m. Linked by address, not a title deed.
1 establishment unit
ZP algemene aanneming
since 20192.292.391.991
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72012C0179/00W000 | Flanders | 442 m² | 1 · 104 m² | 2.1 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.
Recognitions · licences · registrations
Legal Entity Identifier
648850TL6XL7G21K8W35
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Of 907 companies in sector 43333 we hold annual accounts for 397. 267 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-07-2019
Fiscal year end31-12
Activities, NACEBEL
43333Wallpapering and laying of floor and wall coverings in other materials
43422Screed work
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.
Contact details
2 entriesE-mail:ziyan_patrick@hotmail.com
Phone:0477/31 58 64