ZUBER CONCEPT
ActiveSummary
The computed 12-month bankruptcy probability of ZUBER CONCEPT is 1.9% (moderate). The 2025 annual accounts show equity of €20k and a net result of €30k. Equity is growing by ~32.5% per year across the filed fiscal years. Its solvency ranks better than 33% of 27965 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+36
Solvency57▲+41
Growth52=
Track record100
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 1.46 against 0.92 in 2024; short-term debt: 68.4% of total assets), and 68.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
31.6%
Return on assets
48.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
25 d late
2023
27 d late
2022
30 d late
2020
61 d late
2018
27 d early
2017
16 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k
2024 · €-10k
2018: €-42k
2020: €-42klowest value
2022: €-27k
2023: €-22k▲ +16.2% vs 2022
2024: €-10k▲ +53.3% vs 2023
2025: €20k▲ +289% vs 2024highest value
2018 → 2025
Total assets
€63k▼ 44.7%
2024 · €113k
2018: €229k
2020: €245khighest value
2022: €87k
2023: €142k▲ +63.8% vs 2022
2024: €113k▼ -20.0% vs 2023
2025: €63k▼ -44.7% vs 2024lowest value
2018 → 2025
Net result
€30k▲ 154%
2024 · €12k
2018: €35khighest value
2020: €-36klowest value
2022: €8k
2023: €4k▼ -43.6% vs 2022
2024: €12k▲ +175% vs 2023
2025: €30k▲ +154% vs 2024
2018 → 2025
Working capital
€20k
2024 · €-10k
2018: €-44klowest value
2020: €-42k
2022: €-27k
2023: €-22k▲ +16.2% vs 2022
2024: €-10k▲ +53.3% vs 2023
2025: €20k▲ +289% vs 2024highest value
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€-42k-€-27k▲ 36.9%€-22k▲ 16.2%€-10k▲ 53.3%€20k
2020: €-42klowest value
2022: €-27k
2023: €-22k▲ +16.2% vs 2022
2024: €-10k▲ +53.3% vs 2023
2025: €20k▲ +289% vs 2024highest value
Operating result€-3k-€8k€4k▼ 43.6%€12k▲ 175%€30k▲ 153%
2020: €-3klowest value
2022: €8k
2023: €4k▼ -43.6% vs 2022
2024: €12k▲ +175% vs 2023
2025: €30k▲ +153% vs 2024highest value
Net result€-36k-€8k€4k▼ 43.6%€12k▲ 175%€30k▲ 154%
2020: €-36klowest value
2022: €8k
2023: €4k▼ -43.6% vs 2022
2024: €12k▲ +175% vs 2023
2025: €30k▲ +154% vs 2024highest value
Turnover and EBIT margin not published: the micro 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 153% above 2024 and is the highest result in the available series.
Balance-sheet composition
Equity and liabilities €63k
Equity
€20k
Debt
€43k
Debt finances 68.4% of the balance-sheet total.
Key figures and ratios
Current ratio
1.46▲
2024 · 0.92
Quick ratio
1.33▲
2024 · 0.73
Debt to equity
2.17▲
2024 · -11.84
ROE
152.8%
ROA
48.2%▲
2024 · 10.5%
Debt ≤ 1 year
€43k▼
2024 · €124k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 30 lines
Balance sheet
Code20242025
Assets
Total assets20/58€113k€63k▼
Current assets29/58€113k€63k▼
Stocks and contracts in progress3€22k€6k▼
Stocks30/36€22k€6k▼
Amounts receivable within one year40/41€91k€57k▼
Trade receivables40€90k€56k▼
Other amounts receivable41€844€844=
Equity and liabilities
Total equity and liabilities10/49€113k€63k▼
Equity10/15€-10k€20k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-31k€-661▲
Amounts payable17/49€124k€43k▼
Amounts payable within one year42/48€124k€43k▼
Trade debts44€85k€8k▼
Suppliers440/4€85k€8k▼
Taxes, remuneration and social security45€547€4k▲
Taxes450/3€547€4k▲
Other amounts payable47/48€38k€31k▼
Income statement
Code20242025
Gross operating margin9900€12k€30k▲
Operating profit (loss)9901€12k€30k▲
Financial charges65/66B€50-
Recurring financial charges65€50-
Profit (loss) for the period before taxes9903€12k€30k▲
Profit (loss) for the period9904€12k€30k▲
Profit (loss) for the period to be appropriated9905€12k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-31k€-661▲
Profit (loss) brought forward from the previous period14P€-43k€-31k▲
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Gross operating margin9900 | €-3k | €8k | €4k | €12k | €30k | ▲ 153% |
| Operating profit (loss)9901 | €-3k | €8k | €4k | €12k | €30k | ▲ 153% |
| Financial charges65/66B | - | €10 | €7 | €50 | - | - |
| Recurring financial charges65 | €34k | €10 | €7 | €50 | - | - |
| Profit (loss) for the period before taxes9903 | €-36k | €8k | €4k | €12k | €30k | ▲ 154% |
| Profit (loss) for the period9904 | €-36k | €8k | €4k | €12k | €30k | ▲ 154% |
| Profit (loss) for the period to be appropriated9905 | €-36k | €8k | €4k | €12k | €30k | ▲ 154% |
| Line | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €245k | €87k | €142k | €113k | €63k | ▼ 44.7% |
| Current assets29/58 | €245k | €87k | €142k | €113k | €63k | ▼ 44.7% |
| Stocks and contracts in progress3 | - | €40k | €97k | €22k | €6k | ▼ 74.9% |
| Stocks30/36 | - | €40k | €97k | €22k | €6k | ▼ 74.9% |
| Amounts receivable within one year40/41 | €245k | €47k | €45k | €91k | €57k | ▼ 37.3% |
| Trade receivables40 | - | €43k | €43k | €90k | €56k | ▼ 37.6% |
| Other amounts receivable41 | - | €4k | €2k | €844 | €844 | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €245k | €87k | €142k | €113k | €63k | ▼ 44.7% |
| Equity10/15 | €-42k | €-27k | €-22k | €-10k | €20k | ▲ 289% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €-63k | €-47k | €-43k | €-31k | €-661 | ▲ 97.9% |
| Amounts payable17/49 | €288k | €113k | €164k | €124k | €43k | ▼ 65.4% |
| Amounts payable within one year42/48 | €288k | €113k | €164k | €124k | €43k | ▼ 65.4% |
| Trade debts44 | €70k | €109k | €144k | €85k | €8k | ▼ 91.2% |
| Suppliers440/4 | - | €109k | €144k | €85k | €8k | ▼ 91.2% |
| Taxes, remuneration and social security45 | - | - | - | €547 | €4k | ▲ 638% |
| Taxes450/3 | - | - | - | €547 | €4k | ▲ 638% |
| Other amounts payable47/48 | - | €4k | €20k | €38k | €31k | ▼ 17.3% |
| Line | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-36k | €8k | €4k | €12k | €30k | ▲ 154% |
| Operating cash flow (approximation) | €-36k | €8k | €4k | €12k | €30k | ▲ 154% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Weakest financial yearnet €-36k
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 16 days late
2017
14-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 45 days late
2015
04-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 4 days late
2014
05-09
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 36 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Vorst · 2 establishment units since 2009
Ground area
871 m²
Building footprint
344 m²
Volume, LiDAR
4,846 m³
3 parcels, Brussels · tallest building 30.0 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
ZUBER CONCEPT
since 20092.176.859.152
Establishment
since 20112.237.541.164
3 parcels
Brussels
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21443C0201/00S015 | Brussels | 366 m² | 1 · 174 m² | 30.0 m · 6 fl. |
| 21382C0220/00B004 | Brussels | 282 m² | 1 · 119 m² | 14.8 m · 4 fl. |
| 21306D0062/00C007 | Brussels | 223 m² | 1 · 50 m² | 13.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 15,529 companies in sector 43990 we hold annual accounts for 7,420. 5,191 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded04-03-2009
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
81210General cleaning of buildings
81300Landscape service activities
Contact
Phone
0475/397972Elsene
Scores and ratios are computed by Checked and are not a credit decision.