ZUIVEL
ActiveSummary
ZUIVEL has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €111,175 and a net result of €2,557. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 40% of 3241 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability40▼-17
Solvency66=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity short (current ratio 0.52 against 0.35 in 2024; short-term debt: 42% and cash: 4.8% of total assets), and 59.4% of the assets are financed with debt.
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Signals
Five 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer 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
40.6%
Return on assets
0.9%
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 20-08-2026, 20 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
20 d late
2024
29 d late
2023
on the day
2022
31 d late
2021
31 d late
2020
4 d late
2019
38 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 22 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
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. Usually files around 29 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€2,557▼ 87.8%
2024 · €20,923
Working capital
-€55,653▲ 39.9%
2024 · -€92,564
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€40,701€22,290▼ 45.2%€5,044▼ 77.4%€33,472▲ 564%€16,234▼ 51.5%
Net result€28,452within the sector's middle half€10,035within the sector's middle half▼ 64.7%-€2,068below the sector's middle half€20,923within the sector's middle half€2,557within the sector's middle half▼ 87.8%
Equity€79,728below the sector's middle half▲ 55.5%€89,763below the sector's middle half▲ 12.6%€87,695below the sector's middle half▼ 2.3%€108,618below the sector's middle half▲ 23.9%€111,175below the sector's middle half▲ 2.4%
Total assets€283,980below the sector's middle half▲ 5.7%€277,954below the sector's middle half▼ 2.1%€261,703below the sector's middle half▼ 5.8%€263,980below the sector's middle half▲ 0.9%€274,144below the sector's middle half▲ 3.9%
Debt€204,253▼ 6.1%€188,192▼ 7.9%€174,008▼ 7.5%€155,362▼ 10.7%€162,969▲ 4.9%
Working capital-€144,466below the sector's middle half▲ 16.9%-€133,682below the sector's middle half▲ 7.5%-€102,416below the sector's middle half▲ 23.4%-€92,564below the sector's middle half▲ 9.6%-€55,653within the sector's middle half▲ 39.9%
Solvency28.1%within the sector's middle half▲ 9.0pp32.3%within the sector's middle half▲ 4.2pp33.5%within the sector's middle half▲ 1.2pp41.1%within the sector's middle half▲ 7.6pp40.6%within the sector's middle half▼ 0.6pp
Current ratio0.22below the sector's middle half▲ 0.130.24below the sector's middle half▲ 0.020.32below the sector's middle half▲ 0.080.35below the sector's middle half▲ 0.030.52below the sector's middle half▲ 0.17
Return on assets (ROA)10.0%within the sector's middle half▲ 13.4pp3.6%within the sector's middle half▼ 6.4pp-0.8%below the sector's middle half▼ 4.4pp7.9%within the sector's middle half▲ 8.7pp0.9%within the sector's middle half▼ 7.0pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 52% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €274,144
Fixed assets
€214,583 =
Current assets
€59,561 ▲ 20.6%
Equity and liabilities €274,144
Equity
€111,175 ▲ 2.4%
Debt
€162,969 ▲ 4.9%
Debt's share of the balance-sheet total rises from 58.9% to 59.4%. Equity and debt are higher.
Key figures and ratios
Debt to equity
1.47▲
2024 · 1.43
ROE
2.3%▼
2024 · 19.3%
Debt ≤ 1 year
€115,214▼
2024 · €141,961
Debt > 1 year
€47,140▲
2024 · €13,401
Income taxes
€4,059▼
2024 · €9,543
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,225 | €8,225 | - | - | - | - |
| Other operating charges640/8 | €2,149 | €9,035 | €2,648 | €3,391 | €2,049 | ▼ 39.6% |
| Gross operating margin9900 | €51,075 | €39,550 | €7,691 | €36,864 | €18,283 | ▼ 50.4% |
| Operating profit (loss)9901 | €40,701 | €22,290 | €5,044 | €33,472 | €16,234 | ▼ 51.5% |
| Financial income75/76B | - | €6 | - | €510 | €1 | ▼ 99.8% |
| Recurring financial income75 | - | €6 | - | €510 | €1 | ▼ 99.8% |
| Financial charges65/66B | €1,442 | €4,807 | €4,769 | €3,517 | €9,619 | ▲ 174% |
| Recurring financial charges65 | €1,442 | €4,807 | €4,769 | €3,517 | €9,619 | ▲ 174% |
| Profit (loss) for the period before taxes9903 | €39,260 | €17,489 | €275 | €30,466 | €6,616 | ▼ 78.3% |
| Income taxes67/77 | €10,808 | €7,454 | €2,343 | €9,543 | €4,059 | ▼ 57.5% |
| Profit (loss) for the period9904 | €28,452 | €10,035 | -€2,068 | €20,923 | €2,557 | ▼ 87.8% |
| Profit (loss) for the period to be appropriated9905 | €28,452 | €10,035 | -€2,068 | €20,923 | €2,557 | ▼ 87.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €283,980 | €277,954 | €261,703 | €263,980 | €274,144 | ▲ 3.9% |
| Fixed assets21/28 | €244,358 | €236,134 | €214,583 | €214,583 | €214,583 | = |
| Tangible fixed assets22/27 | €29,775 | €21,550 | - | - | - | - |
| Furniture and vehicles24 | €29,775 | €21,550 | - | - | - | - |
| Financial fixed assets28 | €214,583 | €214,583 | €214,583 | €214,583 | €214,583 | = |
| Current assets29/58 | €39,622 | €41,821 | €47,119 | €49,396 | €59,561 | ▲ 20.6% |
| Amounts receivable within one year40/41 | €35,360 | €36,532 | €20,942 | €26,994 | €31,710 | ▲ 17.5% |
| Trade receivables40 | €17,105 | €24,794 | €739 | €8,879 | €15,312 | ▲ 72.4% |
| Other amounts receivable41 | €18,255 | €11,738 | €20,203 | €18,114 | €16,399 | ▼ 9.5% |
| Cash at bank and in hand54/58 | €3,170 | €4,166 | €2,375 | €3,203 | €13,241 | ▲ 313% |
| Deferred charges and accrued income490/1 | €1,092 | €1,122 | €23,802 | €19,199 | €14,610 | ▼ 23.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €283,980 | €277,954 | €261,703 | €263,980 | €274,144 | ▲ 3.9% |
| Equity10/15 | €79,728 | €89,763 | €87,695 | €108,618 | €111,175 | ▲ 2.4% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €17,728 | €27,763 | €25,695 | €46,618 | €49,175 | ▲ 5.5% |
| Non-distributable reserves130/1 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Distributable reserves133 | €11,528 | €21,563 | €19,495 | €40,418 | €42,975 | ▲ 6.3% |
| Amounts payable17/49 | €204,253 | €188,192 | €174,008 | €155,362 | €162,969 | ▲ 4.9% |
| Amounts payable after more than one year17 | €20,165 | €12,689 | €24,473 | €13,401 | €47,140 | ▲ 252% |
| Financial debts170/4 | €20,165 | €12,689 | €24,473 | €13,401 | €47,140 | ▲ 252% |
| Amounts payable within one year42/48 | €184,088 | €175,502 | €149,535 | €141,961 | €115,214 | ▼ 18.8% |
| Current portion of amounts payable after more than one year42 | €7,374 | €7,476 | €13,254 | €11,072 | €6,262 | ▼ 43.4% |
| Financial debts43 | €5,132 | €5,132 | €17,373 | €5,125 | €5,125 | = |
| Credit institutions430/8 | - | - | €17,373 | - | - | - |
| Other loans439 | €5,132 | €5,132 | - | €5,125 | €5,125 | = |
| Trade debts44 | €10,074 | €19,721 | €22,047 | €18,184 | €7,129 | ▼ 60.8% |
| Suppliers440/4 | €10,074 | €19,721 | €22,047 | €18,184 | €7,129 | ▼ 60.8% |
| Taxes, remuneration and social security45 | €18,118 | €24,930 | €16,733 | €27,014 | €34,384 | ▲ 27.3% |
| Taxes450/3 | €17,059 | €22,457 | €11,826 | €15,335 | €16,455 | ▲ 7.3% |
| Remuneration and social security454/9 | €1,059 | €2,474 | €4,907 | €11,680 | €17,929 | ▲ 53.5% |
| Other amounts payable47/48 | €143,390 | €118,243 | €80,128 | €80,565 | €62,315 | ▼ 22.7% |
| Accrued charges and deferred income492/3 | - | - | - | - | €615 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €28,452 | €10,035 | -€2,068 | €20,923 | €2,557 | ▼ 87.8% |
| + Depreciation and write-downs630 | €8,225 | €8,225 | - | - | - | - |
| Operating cash flow (approximation) | €36,676 | €18,260 | -€2,068 | €20,923 | €2,557 | ▼ 87.8% |
| Investment in fixed assets (approximation) | - | €0 | €21,550 | €0 | €0 | - |
| Change in cash | - | €996 | -€1,791 | €829 | €10,038 | ▲ 1,111% |
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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 20 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Back to profitnet €20,923
Net result €20,923 after one loss-making year.
31-12
Financial
Equity above €100,000Eq €108,618 ▲23.9%
Equity rises from €87,695 to €108,618.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Back to profitnet €28,452
Net result €28,452 after one loss-making year.
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 4 days late
2020
07-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 38 days late
2019
31-12
Financial
Back to profitnet €22,471
Net result €22,471 after one loss-making year.
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 14 days late
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 8 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, Antwerpen · 1 establishment unit since 2000
Ground area
1,484 m²
Building footprint
1,097 m²
Volume, LiDAR
4,622 m³
Parcel 11346B0833/00F003, Flanders · tallest building 13.2 m, ±1 floor. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
ZUIVEL
since 20002.100.884.990
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11346B0833/00F003 | Flanders | 1,484 m² | 1 · 1,097 m² | 13.2 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 owner · 1 holdingOwners 1
- Sourceaccounts TIJM 31-03-202533.33%
Holdings 1
-
33.33%
According to the 2025 annual accounts of ZUIVEL and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 82,641 companies in sector 70200 we hold annual accounts for 52,623. 40,780 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded10-12-1999
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0468226225
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.