Zuivel 9
ActiveThe computed 12-month bankruptcy probability of Zuivel 9 is 1.7% (moderate). The 2025 annual accounts show equity of €85k and a net result of €84k. Equity is growing by ~324.3% per year across the filed fiscal years. Its solvency ranks better than 38% of 679 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+88
Solvency40▼-60
Growth78▲+20
Track record94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.82; short-term debt: 22.7% and cash: 34.7% of total assets), but 84.5% 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
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
15.5%
Return on assets
15.3%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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 · 3 filingsDeviation from the deadline
2025
19 d late
2024
22 d early
2023
7 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€85k▲ 10,021%
2024 · €837
2023: €11k
2024: €837
2023 → 2025
Total assets
€548k▲ 65,373%
2024 · €837
2023: €12k
2024: €837
2023 → 2025
Net result
€84k
2024 · €-10k
2023: €-14k
2024: €-10k
2023 → 2025
Working capital
€102k▲ 12,036%
2024 · €837
2023: €11k
2024: €837
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€11k-€837▼ 92.6%€85k▲ 10,021%
Operating result€-13k-€-10k▲ 22.0%€100k
Net result€-14k-€-10k▲ 23.4%€84k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €100k after a loss of €10k in 2024, the highest result in the available series.
Balance-sheet composition
Assets €548k
Fixed assets
€322k
Current assets
€226k
Equity and liabilities €548k
Equity
€85k
Debt
€463k
Debt finances 84.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€114k
Cash flow
€98k
Solvency
15.5%
Current ratio
1.82
Quick ratio
1.82
Debt / equity
5.47
ROE
99.0%
ROA
15.3%
Interest coverage
13.12
Debt
€463k▲
2024 · €0
Debt ≤ 1 year
€125k▲
2024 · €0
Debt > 1 year
€333k
Income taxes
€8k
Staff costs
€42k
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€837€548k▲
Fixed assets21/28-€322k
Tangible fixed assets22/27-€322k
Plant, machinery and equipment23-€310k
Furniture and vehicles24-€12k
Current assets29/58€837€226k▲
Amounts receivable within one year40/41€29€32k▲
Trade receivables40-€30k
Other amounts receivable41€29€2k▲
Cash at bank and in hand54/58€808€190k▲
Deferred charges and accrued income490/1-€4k
Equity and liabilities
Total equity and liabilities10/49€837€548k▲
Equity10/15€837€85k▲
Contributions10/11€25k€25k=
Profit (loss) carried forward14€-24k€60k▲
Amounts payable17/49€0€463k▲
Amounts payable after more than one year17-€333k
Financial debts170/4-€208k
Other amounts payable178/9-€125k
Amounts payable within one year42/48€0€125k▲
Current portion of amounts payable after more than one year42-€42k
Trade debts44€0€53k▲
Suppliers440/4€0€53k▲
Advances received on contracts in progress46-€2k
Taxes, remuneration and social security45-€29k
Taxes450/3-€18k
Remuneration and social security454/9-€10k
Accrued charges and deferred income492/3-€5k
Income statement
Code20242025
Remuneration, social security and pensions62-€42k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€14k
Other operating charges640/8€449€2k▲
Gross operating margin9900€-10k€158k▲
Operating profit (loss)9901€-10k€100k▲
Financial income75/76B-€19
Recurring financial income75-€19
Financial charges65/66B€104€9k▲
Recurring financial charges65€104€9k▲
Profit (loss) for the period before taxes9903€-10k€92k▲
Income taxes67/77-€8k
Profit (loss) for the period9904€-10k€84k▲
Profit (loss) for the period to be appropriated9905€-10k€84k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-24k€60k▲
Profit (loss) brought forward from the previous period14P€-14k€-24k▼
Social balance
Average headcount (FTE)9087-1.5
The notes to these accounts (10 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 19 days late
2025
31-12
Financial
Back to profitnet €84k
Net result €84k after 2 loss-making years.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated 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, Hasselt · 2 establishment units since 2022
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.
Zuivelmarkt 93500 HasseltGround area
683 m²
Building footprint
544 m²
Volume, LiDAR
9,384 m³
2 parcels, Flanders · tallest building 22.3 m, ±7 floors. Linked by address, not a title deed.
2 establishment units
Zuivel 9
since 20222.332.831.390
Zuivel 9
since 20262.385.525.255
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71016I1411/00L007 | Flanders | 392 m² | 1 · 295 m² | 22.3 m · 7 fl. |
| 71022H0263/00D000 | Flanders | 291 m² | 1 · 249 m² | 19.0 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHasselt2.332.831.390
Similar companies · same sector, comparable size
HOTELBOS
BE 0455.711.344
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SPEEDGLASS
BE 0476.153.105
Lasne · Eq €85k
DE ROUCK - MOBERS
BE 0666.846.393
Plombières · Eq €84k
DEPRACO
BE 0467.002.738
Ieper · Eq €85k
HOSTELLERIE TEN LANDE
BE 0461.297.554
Beernem · Eq €84k
Of 2,395 companies in sector 55100 we hold annual accounts for 1,516. 1,019 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-03-2022
Fiscal year end31-12
Activities, NACEBEL
55100Hotels and similar accommodation
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.