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ZUMAXX

Active
Private limited companyfounded 20188 yrs activeKapelstraat 109A, 9100 Sint-Niklaas, BelgiumKBO/BCE: BE 0690.576.751
Summary

ZUMAXX has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18,600 and a net result of €74,207. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 39% of 5299 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch ReportCompare
ZUMAXXActiveChecked score 88/100
Risk analysis ReportCompare

Overview

Activity
Hairdressing and barber services
NACE 96210Hairdressing NACE 96021
1 site
Size
€138,095total assets 2025
Staff
4.3 FTE
Equity
€18,600
Profit
€74,207
Turnover not published (abridged schema)
Financial health
88 Excellent Checked score 2025
Bankruptcy chance 12 m
0.2%
Structure
Accounts 15 d early0 of 3 deeds read
Why 88- Equity €18,600 (13.5% of total assets)- Figures for FY 2025 (filed 16-07-2026)+ Liquidity: current ratio 1.07, cash €110,266+ Size: total assets €138,095Show the evidence

Checked score

Score 2025
88 / 100
Excellent
Probability in this band: under 0.55%
Better than 49% of its sector peers (NACE 96, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 38-38
equity 13.5% of total assets
Liquidity 52-30
short-term debt 86.5% · cash 79.8%
Profitability 100+2
return on assets 53.7%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (7,533 companies)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%● 0.0% vs 11-2024 01-2025: 0.3%▼ -2.7% vs 12-2024 02-2025: 0.3%● 0.0% vs 01-2025 03-2025: 0.3%● 0.0% vs 02-2025 04-2025: 0.4%▲ +16.5% vs 03-2025 05-2025: 0.4%▲ +2.4% vs 04-2025 06-2025: 0.4%▼ -1.6% vs 05-2025 07-2025: 0.4%▲ +14.3% vs 06-2025highest value 08-2025: 0.1%▼ -79.6% vs 07-2025 09-2025: 0.1%● 0.0% vs 08-2025 10-2025: 0.1%▼ -6.8% vs 09-2025 11-2025: 0.1%▼ -4.9% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%▼ -15.4% vs 12-2025 02-2026: 0.1%▼ -3.0% vs 01-2026 03-2026: 0.1%▼ -9.4% vs 02-2026 04-2026: 0.1%▼ -12.1% vs 03-2026lowest value 05-2026: 0.1%▲ +2.0% vs 04-2026 06-2026: 0.1%● 0.0% vs 05-2026 07-2026: 0.1%▲ +7.7% vs 06-2026 08-2026: 0.2%▲ +271% vs 07-2026 09-2026: 0.2%● 0.0% vs 08-2026 10-2026: 0.2%● 0.0% vs 09-2026
  • Liquidity: current ratio 1.07, cash €110,266 lowers the probability
  • Size: total assets €138,095 lowers the probability for this profile
  • Equity €18,600 (13.5% of total assets) raises the probability
  • Figures for FY 2025 (filed 16-07-2026) raises the probability
Credit up to €1,500 at 30 days acceptable
Liquidity tight (current ratio 1.07 against 2.01 in 2024; short-term debt: 86.5% and cash: 79.8% of total assets), and 86.5% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 96, micro). Better than this share of them on solvency 39%, liquidity 54%, profitability 93%, growth against the median 11%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Liquidity: current ratio 1.07, cash €110,266
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Size: total assets €138,095
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Equity €18,600 (13.5% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Figures for FY 2025 (filed 16-07-2026)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
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 16-07-2026, 15 days ahead of the deadline.
NBB · 7 filings
Deviation from the deadline
2025
15 d early
2024
14 d early
2023
41 d early
2022
31 d early
2021
2 d early
2020
1 d early
2019
on the day
← 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 15 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 48% 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 16 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Highest result since 2019net €74,207 ▲214%
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Result rose in 2025from €23,665 to €74,207 ▲ 214% View
  • Positive: Among the best 5% on net resultsector median €2,850 · 5,304 companies €74,207 View
  • Positive: Always filed on timeaccounts within the deadline every year 7 years View
  • Positive: 6 profitable years in a rowprofit 2025: €74,207 6 years View

By topic

Financials

Fiscal year
2025
Total assets
€138,095
Profit
€74,207
Solvency
13.5%
Total assets▲ 34.3%
Net result
20192025
Go to Financials

Timeline

Events
9
Since
2020
Next accounts
by 31-07-2027
  1. 16-07-2026Annual accounts filed
  2. 31-12-2025Highest result since 2019
  3. 17-07-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Hairdressing and barber servicesNACE 96210
Founded
13-02-2018
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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