Zuskus
ActiveZuskus has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €71k and a net result of €1k. Equity is growing by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 50% of 11297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-1
Solvency67▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 2.5 against 2.69 in 2024; short-term debt: 14% and cash: 8.6% of total assets), but 58.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
41.7%
Return on assets
0.7%
Age of the figures
15 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-01-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
8 d early
2023
2 d early
2022
1 d early
2021
14 d early
2020
3 d early
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€71k▲ 1.6%
2024 · €70k
2019: €17k
2020: €37k
2021: €48k
2022: €59k
2023: €66k
2024: €70k
2019 → 2025
Total assets
€170k▼ 3.1%
2024 · €176k
2019: €27k
2020: €50k
2021: €197k
2022: €187k
2023: €179k
2024: €176k
2019 → 2025
Net result
€1k▼ 71.3%
2024 · €4k
2019: €9k
2020: €19k
2021: €11k
2022: €11k
2023: €7k
2024: €4k
2019 → 2025
Working capital
€36k▼ 4.4%
2024 · €37k
2019: €12k
2020: €32k
2021: €17k
2022: €28k
2023: €34k
2024: €37k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€48k-€59k▲ 23.4%€66k▲ 12.3%€70k▲ 6.0%€71k▲ 1.6%
Operating result€14k-€16k▲ 12.8%€15k▼ 5.3%€7k▼ 56.5%€4k▼ 47.2%
Net result€11k-€11k▲ 0.3%€7k▼ 35.1%€4k▼ 45.7%€1k▼ 71.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 47% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €170k
Fixed assets
€111k▼ 4.7%
Current assets
€60k=
Equity and liabilities €170k
Equity
€71k▲ 1.6%
Debt
€99k▼ 6.2%
The debt ratio falls from 60.2% to 58.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€9k▼
2024 · €12k
Cash flow
€7k▼
2024 · €9k
Solvency
41.7%▲
2024 · 39.8%
Current ratio
2.50▼
2024 · 2.69
Quick ratio
0.64▼
2024 · 0.71
Debt / equity
1.40▼
2024 · 1.51
ROE
1.6%▼
2024 · 5.6%
ROA
0.7%▼
2024 · 2.2%
Interest coverage
6.50▲
2024 · 5.89
Debt
€99k▼
2024 · €106k
Debt ≤ 1 year
€24k▲
2024 · €22k
Debt > 1 year
€75k▼
2024 · €83k
Income taxes
€1k▲
2024 · €709
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€176k€170k▼
Fixed assets21/28€116k€111k▼
Tangible fixed assets22/27€113k€108k▼
Land and buildings22€113k€108k▼
Plant, machinery and equipment23€0€0=
Financial fixed assets28€3k€3k=
Current assets29/58€60k€60k=
Stocks and contracts in progress3€44k€44k▲
Stocks30/36€44k€44k▲
Amounts receivable within one year40/41€2k€780▼
Trade receivables40€2k€780▼
Other amounts receivable41€0€0=
Cash at bank and in hand54/58€14k€15k▲
Equity and liabilities
Total equity and liabilities10/49€176k€170k▼
Equity10/15€70k€71k▲
Contributions10/11€7k€7k=
Reserves13€10k€10k=
Distributable reserves133€10k€10k=
Profit (loss) carried forward14€53k€54k▲
Amounts payable17/49€106k€99k▼
Amounts payable after more than one year17€83k€75k▼
Financial debts170/4€83k€75k▼
Amounts payable within one year42/48€22k€24k▲
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€3k€3k▼
Taxes450/3€3k€3k▼
Other amounts payable47/48€9k€9k=
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€2k€1k▼
Gross operating margin9900€14k€10k▼
Operating profit (loss)9901€7k€4k▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€5k€2k▼
Income taxes67/77€709€1k▲
Profit (loss) for the period9904€4k€1k▼
Profit (loss) for the period to be appropriated9905€4k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€53k€54k▲
Profit (loss) brought forward from the previous period14P€49k€53k▲
The notes to these accounts (9 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
22-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €1k ▼71.3%
Net result drops to €1k, the lowest in the series.
23-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
17-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Highest result since 2019net €19k ▲111%
Operating result €20k, net result €19k, both a record.
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
03-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Deinze · 1 establishment unit since 2015
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.
Leernsesteenweg 209800 DeinzeGround area
3,195 m²
Building footprint
247 m²
Volume, LiDAR
2,996 m³
2 parcels, Flanders · tallest building 21.9 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Zuskus
since 20152.239.478.491
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44006C0118/00A000 | Flanders | 2,115 m² | 1 · 121 m² | 7.8 m · 2 fl. |
| 44011B0270/00K000 | Flanders | 1,080 m² | 1 · 126 m² | 21.9 m · 7 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 siteDeinze2.239.478.491
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Of 6,155 companies in sector 46190 we hold annual accounts for 2,570. 1,968 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-01-2015
Fiscal year end30-06
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
47559Retail sale of other household articles
47599Retail trade
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.