ZT4W
ActiveZT4W has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26k and a net result of €-2k. Equity is shrinking by ~15% per year across the filed fiscal years. Its solvency ranks better than 16% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▲+3
Solvency34=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.18 against 0.19 in 2024; short-term debt: 44.2% and cash: 7.7% of total assets), and 90.6% 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 70
Relative position
BE, all sectors
reference
Sector 70
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
9.4%
Return on assets
-0.9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-2k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 31616 sector peers (2025).
NBB · sector comparisonPosition among 31616 sector peers
Solvency
better than 16%
← 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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
2 d early
2023
8 d early
2022
on the day
2021
3 d late
2020
32 d early
2019
44 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€26k▼ 8.7%
2024 · €29k
2018: €81k
2019: €65k
2020: €50k
2021: €39k
2022: €33k
2023: €31k
2024: €29k
2018 → 2025
Total assets
€280k▼ 7.7%
2024 · €303k
2018: €462k
2019: €429k
2020: €397k
2021: €369k
2022: €345k
2023: €325k
2024: €303k
2018 → 2025
Net result
€-2k▲ 2.8%
2024 · €-3k
2018: €-18k
2019: €-16k
2020: €-15k
2021: €-11k
2022: €-6k
2023: €-2k
2024: €-3k
2018 → 2025
Working capital
€-102k▼ 2.0%
2024 · €-100k
2018: €-65k
2019: €-77k
2020: €-88k
2021: €-95k
2022: €-99k
2023: €-98k
2024: €-100k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€39k-€33k▼ 15.9%€31k▼ 5.7%€29k▼ 8.2%€26k▼ 8.7%
Operating result€-2k-€2k€6k▲ 205%€4k▼ 26.4%€3k▼ 18.6%
Net result€-11k-€-6k▲ 40.6%€-2k▲ 70.1%€-3k▼ 37.0%€-2k▲ 2.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 19% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €280k
Fixed assets
€258k▼ 7.7%
Current assets
€22k▼ 7.9%
Equity and liabilities €280k
Equity
€26k▼ 8.7%
Debt
€254k▼ 7.6%
The debt ratio rises from 90.5% to 90.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€25k▼
2024 · €26k
Cash flow
€19k▲
2024 · €19k
Solvency
9.4%▼
2024 · 9.5%
Current ratio
0.18▼
2024 · 0.19
Quick ratio
0.18▼
2024 · 0.19
Debt / equity
9.67▲
2024 · 9.55
ROE
-9.5%▼
2024 · -8.9%
ROA
-0.9%▼
2024 · -0.8%
Interest coverage
4.14▲
2024 · 3.81
Debt
€254k▼
2024 · €274k
Debt ≤ 1 year
€124k▲
2024 · €124k
Debt > 1 year
€130k▼
2024 · €151k
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€303k€280k▼
Fixed assets21/28€279k€258k▼
Tangible fixed assets22/27€279k€258k▼
Land and buildings22€279k€258k▼
Current assets29/58€24k€22k▼
Amounts receivable within one year40/41€21€276▲
Other amounts receivable41€21€276▲
Cash at bank and in hand54/58€24k€22k▼
Equity and liabilities
Total equity and liabilities10/49€303k€280k▼
Equity10/15€29k€26k▼
Contributions10/11€19k€19k=
Reserves13€10k€8k▼
Distributable reserves133€10k€8k▼
Amounts payable17/49€274k€254k▼
Amounts payable after more than one year17€151k€130k▼
Financial debts170/4€151k€130k▼
Amounts payable within one year42/48€124k€124k▲
Current portion of amounts payable after more than one year42€20k€21k▲
Trade debts44€982€1k▲
Suppliers440/4€982€1k▲
Taxes, remuneration and social security45€789-
Taxes450/3€789-
Other amounts payable47/48€102k€102k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€21k=
Other operating charges640/8€1k€2k▲
Gross operating margin9900€27k€27k▼
Operating profit (loss)9901€4k€3k▼
Financial income75/76B€69€174▲
Recurring financial income75€69€174▲
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€-3k€-2k▲
Profit (loss) for the period9904€-3k€-2k▲
Profit (loss) for the period to be appropriated9905€-3k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-2k▲
Transfer from equity791/2€3k€2k▼
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
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
NBB filing
Directors · office · real estate
Directors
6 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, Roosdaal · 1 establishment unit since 2008
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.
Poelkbeekstraat 221760 RoosdaalGround area
724 m²
Building footprint
131 m²
Volume, LiDAR
663 m³
Parcel 23097E0173/00K000, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ZT4W
since 20082.168.576.936
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23097E0173/00K000 | Flanders | 724 m² | 1 · 130 m² | 6.5 m · 2 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
LA GENEROSA
BE 0788.550.117
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TOKARA
BE 0846.117.439
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Jomini Advice & Research
BE 0785.526.190
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EH Consulting
BE 1013.156.387
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LGMA ASSOCIATES
BE 1019.732.195
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 33,308 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-01-2008
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73200Market research and public opinion polling
73300Public relations and communication consultancy
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.