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ZUMKIR PASCAL DECORATION

Active
Private limited companyfounded 2006active for 20 yearsRue Jeanne Petit 26, 6720 Habay, BelgiumKBO/BCE: BE 0880.420.696
Summary

ZUMKIR PASCAL DECORATION has been active since 2006 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35,215 and a net result of €4,767. Equity has been shrinking by about 3.7% per year since 2018. Its solvency ranks better than 75% of 34,902 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 31-03-2006 Normal situation
Activity
Painting of buildings NACE 43341and 2 others
Establishment unit
2.152.812.258 6720 Habay, since 07-04-2006
Financial year end
31 December
Peppol
Reachable since 15-12-2025

Board and ownership

Board

Financial position

96 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts 2025
Gross margin
€14,171
▼ 36.1%
Turnover
≈ €140,000
estimated
Profit
€4,767
▼ 43.1%
Equity
€35,215
▲ 15.7%
Total assets
€50,597
▲ 14.3%
Staff
≈ 0 FTE
estimated
  • 2025 accounts filed 5 days after the deadline
Filed on 05-08-2026
Score breakdownraises riskSector: Specialised construction activities (NACE 43)lowers riskLiquidity: current ratio 3.11, cash €35,992Equity €35,215 (69.6% of total assets)Founded in 2006Show the evidence

Checked score

Score 2025
96 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 71% of micro companies in specialised construction (NACE 43)
Financial strength · tick: 2024
Strong
Solvency 95+1
equity 69.6% of total assets
Liquidity 88+1
short-term debt 29.5% · cash 71.1%
Profitability 81-11
return on assets 9.4%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.7% (47,674 companies, NACE 43, micro)
Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.2%▲ +0.1 percentage points vs 06-2025 08-2025: 0.3%▲ +0.1 percentage points vs 07-2025 09-2025: 0.3%● unchanged vs 08-2025highest value 10-2025: 0.1%▼ -0.2 percentage points vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.2%▲ +0.1 percentage points vs 07-2026 09-2026: 0.1%▼ -0.1 percentage points vs 08-2026lowest value 10-2026: 0.1%● unchanged vs 09-2026lowest value 11-2026: 0.1%● unchanged vs 10-2026lowest value
Credit of up to €3,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.11 (2.58 in 2024), above the usual 1.5. Short-term debt is 29.5% and cash 71.1% of total assets. 30.4% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 75% of them on solvency, 85% on liquidity, 60% on profitability and 63% on growth.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
lowers risk · Liquidity: current ratio 3.11, cash €35,992
NBB · annual accounts
lowers risk · Equity €35,215 (69.6% of total assets)
NBB · annual accounts
lowers risk · Founded in 2006
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €35,215
raises risk · 2025 accounts filed 5 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
5 days late
2024
27 days late
2023
71 days early
2022
62 days early
2021
23 days late
2020
24 days late
2019
38 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 2 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 5 August (4 of the last 5 accounts filed within 67 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Comparable companies

These companies have the same main activity as ZUMKIR PASCAL DECORATION: painting of buildings (NACE 43341). They are comparable in size and age: total assets between €43,500 and €55,000, founded between 2002 and 2010.

CompanyTotal assetsGross margin
ZUMKIR PASCAL DECORATION Habay€50,597€14,171
VIVANAT Rumes€49,413€14,974
SCHILDERSBEDRIJF DIRK Lanaken€46,773€14,012
RALPH WETZEL ANSTREICHERBETRIEB Eupen€54,958€12,117
SPRL MICHEL BERTRAND Etalle€48,948€8,910
Schilder- en decoratiewerken Raimond Llano Westerlo€49,811€13,943
DECO BELLE Wingene€43,487€12,983
Full comparison

Key facts about ZUMKIR PASCAL DECORATION

What is the company number of ZUMKIR PASCAL DECORATION?
The company number of ZUMKIR PASCAL DECORATION is 0880.420.696. The VAT number is the same number with BE in front: BE 0880.420.696.
Where is ZUMKIR PASCAL DECORATION based?
The registered office is at Rue Jeanne Petit 26, 6720 Habay.Company details
What does ZUMKIR PASCAL DECORATION do?
According to the KBO register, the main activity is painting of buildings (NACE 43341).
What is the legal form of ZUMKIR PASCAL DECORATION?
The legal form of ZUMKIR PASCAL DECORATION is Private limited company (BV).
When was ZUMKIR PASCAL DECORATION founded?
ZUMKIR PASCAL DECORATION was founded on 31-03-2006.
Is ZUMKIR PASCAL DECORATION still active?
Yes, ZUMKIR PASCAL DECORATION is an active enterprise in the KBO register.
What is the turnover of ZUMKIR PASCAL DECORATION?
The turnover in financial year 2025 is ≈ €140,000. This figure is estimated from the gross margin of €14,171 and 163 comparable companies (NACE 433). It probably lies between €83,000 and €300,000. It is a rough estimate. In financial year 2019 turnover was €96,454.Financials
Is ZUMKIR PASCAL DECORATION profitable?
In financial year 2025, ZUMKIR PASCAL DECORATION made a profit of €4,767.
Where can I find the annual accounts of ZUMKIR PASCAL DECORATION?
ZUMKIR PASCAL DECORATION filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of ZUMKIR PASCAL DECORATION due?
ZUMKIR PASCAL DECORATION must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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