ZUS & GUS
ActiveSummary
ZUS & GUS has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €136k and a net result of €24k. Equity is growing by ~23.8% per year across the filed fiscal years. Its solvency ranks better than 53% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability67▲+10
Solvency61=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.02 against 2.09 in 2023; short-term debt: 23.1% and cash: 15.6% of total assets), but 63.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
23 d early
2022
24 d early
2021
37 d early
2020
36 d early
2019
35 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€343k
EBIT margin
6.8%
Net result
€24k▲ 84.3%
2023 · €13k
2018: €8k
2019: €15k
2020: €24k
2021: €24k
2022: €21k
2023: €13k
2018 → 2024
Working capital
€88k▲ 16.9%
2023 · €76k
2018: €16k
2019: €26k
2020: €46k
2021: €69k
2022: €90k
2023: €76k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€60k-€84k▲ 40.1%€104k▲ 24.7%€118k▲ 12.6%€136k▲ 15.3%
Operating result€34k-€29k▼ 15.3%€33k▲ 15.8%€29k▼ 13.4%€51k▲ 78.4%
Net result€24k-€24k▼ 1.8%€21k▼ 13.8%€13k▼ 36.3%€24k▲ 84.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 78% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €376k
Fixed assets
€201k ▲ 12.4%
Current assets
€175k ▲ 21.0%
Equity and liabilities €376k
Equity
€136k ▲ 15.3%
Debt
€240k ▲ 16.8%
Debt's share of the balance-sheet total rises from 63.6% to 63.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€57k▲
2023 · €34k
Cash flow
€30k▲
2023 · €19k
Current ratio
2.02▼
2023 · 2.09
Quick ratio
0.83▼
2023 · 0.98
Debt to equity
1.77▲
2023 · 1.75
ROE
17.9%▲
2023 · 11.2%
ROA
6.5%▲
2023 · 4.1%
Interest coverage
4.84▲
2023 · 3.98
Debt ≤ 1 year
€87k▲
2023 · €69k
Debt > 1 year
€149k▲
2023 · €134k
Income taxes
€16k▲
2023 · €7k
Staff costs
€22k▼
2023 · €25k
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 · 2024 against 2023 · 53 lines
Balance sheet
Code20232024
Assets
Total assets20/58€323k€376k▲
Fixed assets21/28€178k€201k▲
Tangible fixed assets22/27€174k€197k▲
Land and buildings22€167k€191k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€6k€4k▼
Financial fixed assets28€4k€4k=
Current assets29/58€145k€175k▲
Stocks and contracts in progress3€77k€103k▲
Stocks30/36€77k€103k▲
Amounts receivable within one year40/41€8k€12k▲
Trade receivables40€4k€792▼
Other amounts receivable41€4k€12k▲
Cash at bank and in hand54/58€58k€58k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€323k€376k▲
Equity10/15€118k€136k▲
Contributions10/11€12k€12k=
Reserves13€105k€123k▲
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Distributable reserves133€104k€122k▲
Amounts payable17/49€206k€240k▲
Amounts payable after more than one year17€134k€149k▲
Financial debts170/4€134k€149k▲
Amounts payable within one year42/48€69k€87k▲
Current portion of amounts payable after more than one year42€20k€32k▲
Trade debts44€9k€3k▼
Suppliers440/4€9k€3k▼
Taxes, remuneration and social security45€3k€15k▲
Taxes450/3-€11k
Remuneration and social security454/9€3k€4k▲
Other amounts payable47/48€37k€37k▲
Accrued charges and deferred income492/3€2k€4k▲
Income statement
Code20232024
Remuneration, social security and pensions62€25k€22k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€60k€81k▲
Operating profit (loss)9901€29k€51k▲
Financial income75/76B€15€466▲
Recurring financial income75€15€466▲
Financial charges65/66B€9k€12k▲
Recurring financial charges65€9k€12k▲
Profit (loss) for the period before taxes9903€20k€40k▲
Income taxes67/77€7k€16k▲
Profit (loss) for the period9904€13k€24k▲
Profit (loss) for the period to be appropriated9905€13k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€24k▲
Transfer from equity791/2-€6k
Transfer to equity691/2€13k€24k▲
To other reserves6921€13k€24k▲
Profit to be distributed694/7-€6k
Return on contributions (dividend)694-€6k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €104k ▲24.7%
5 profitable years in a row build equity to €104k.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €24k ▲58.3%
Net result €24k, the highest in the series.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Huldenberg · 2 establishment units since 2017
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.
Vossekouter 63040 HuldenbergGround area
2,765 m²
Building footprint
673 m²
Volume, LiDAR
1,605 m³
3 parcels, Flanders · tallest building 11.9 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
ZUS & GUS
since 20172.270.097.631
ZUS & GUS
since 20252.378.988.445
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24302D0616/00A000 | Flanders | 1,309 m² | 1 · 370 m² | - |
| 24045C0468/00H000 | Flanders | 827 m² | 1 · 164 m² | 11.4 m · 2 fl. |
| 24302D0028/00R000 | Flanders | 629 m² | 1 · 139 m² | 11.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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Of 6,503 companies in sector 47716 we hold annual accounts for 2,441. 1,862 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-07-2017
Fiscal year end31-12
Activities, NACEBEL 2025
47711Retail sale of women's outerwear
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
46423Wholesale of clothing, excluding workwear and underwear
46424Wholesale trade
46498Wholesale trade
47715Retail trade
47722Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:nele@zus-store.be
Phone:0479529780