ZUUVR
ActiveSummary
The computed 12-month bankruptcy probability of ZUUVR is 1.7% (moderate). The 2025 annual accounts show equity of €506k and a net result of €36k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 50% of 7838 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability73▼-10
Solvency69▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.15 against 2.84 in 2024; short-term debt: 27.6% and cash: 12.9% of total assets), and 56.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
43.8%
Return on assets
3.1%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filingsDeviation from the deadline
2025
21 d late
2024
14 d early
2023
79 d early
2022
88 d early
2021
18 d early
2020
25 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€506k▼ 4.9%
2024 · €532k
2020: €15k
2021: €-183k▼ -1305% vs 2020lowest in 6 years
2022: €-86k▲ +52.8% vs 2021
2023: €133k▲ +255% vs 2022
2024: €532k▲ +299% vs 2023highest in 6 years
2025: €506k▼ -4.9% vs 2024
2020 → 2025
Total assets
€1.16M▲ 2.5%
2024 · €1.13M
2020: €38klowest in 6 years
2021: €430k▲ +1020% vs 2020
2022: €542k▲ +25.9% vs 2021
2023: €765k▲ +41.2% vs 2022
2024: €1.13M▲ +47.1% vs 2023
2025: €1.16M▲ +2.5% vs 2024highest in 6 years
2020 → 2025
Net result
€36k▼ 71.5%
2024 · €125k
2020: €10k
2021: €-198k▼ -2047% vs 2020lowest in 6 years
2022: €96k▲ +149% vs 2021
2023: €125k▲ +29.7% vs 2022
2024: €125k▲ +0.1% vs 2023highest in 6 years
2025: €36k▼ -71.5% vs 2024
2020 → 2025
Working capital
€47k▼ 88.6%
2024 · €414k
2020: €7k
2021: €-81k▼ -1304% vs 2020lowest in 6 years
2022: €17k▲ +121% vs 2021
2023: €146k▲ +783% vs 2022
2024: €414k▲ +183% vs 2023highest in 6 years
2025: €47k▼ -88.6% vs 2024
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-183k-€-86k▲ 52.8%€133k€532k▲ 299%€506k▼ 4.9%
2021: €-183klowest in 5 years
2022: €-86k▲ +52.8% vs 2021
2023: €133k▲ +255% vs 2022
2024: €532k▲ +299% vs 2023highest in 5 years
2025: €506k▼ -4.9% vs 2024
Operating result€-182k-€105k€149k▲ 42.0%€95k▼ 36.4%€-6k
2021: €-182klowest in 5 years
2022: €105k▲ +158% vs 2021
2023: €149k▲ +42.0% vs 2022highest in 5 years
2024: €95k▼ -36.4% vs 2023
2025: €-6k▼ -106% vs 2024
Net result€-198k-€96k€125k▲ 29.7%€125k▲ 0.1%€36k▼ 71.5%
2021: €-198klowest in 5 years
2022: €96k▲ +149% vs 2021
2023: €125k▲ +29.7% vs 2022
2024: €125k▲ +0.1% vs 2023highest in 5 years
2025: €36k▼ -71.5% vs 2024
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €95k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.16M
Fixed assets
€789k ▲ 61.6%
Current assets
€366k ▼ 42.6%
Equity and liabilities €1.16M
Equity
€506k ▼ 4.9%
Debt
€649k ▲ 9.2%
Debt's share of the balance-sheet total rises from 52.7% to 56.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€176k▼
2024 · €187k
Cash flow
€217k▲
2024 · €217k
Current ratio
1.15▼
2024 · 2.84
Quick ratio
0.93▼
2024 · 2.27
Debt to equity
1.28▲
2024 · 1.12
ROE
7.0%▼
2024 · 23.5%
ROA
3.1%▼
2024 · 11.1%
Interest coverage
9.27▼
2024 · 9.76
Debt ≤ 1 year
€319k▲
2024 · €225k
Debt > 1 year
€281k▲
2024 · €192k
Income taxes
€2k▲
2024 · €854
Staff costs
€563k▼
2024 · €753k
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 · 2025 against 2024 · 60 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.13M€1.16M▲
Fixed assets21/28€488k€789k▲
Intangible fixed assets21€392k€658k▲
Tangible fixed assets22/27€86k€121k▲
Land and buildings22€6k€5k▼
Plant, machinery and equipment23€12k€9k▼
Furniture and vehicles24€34k€49k▲
Leasing and similar rights25€32k€57k▲
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28€9k€9k=
Current assets29/58€638k€366k▼
Stocks and contracts in progress3€129k€69k▼
Stocks30/36€91k€69k▼
Contracts in progress37€38k€0▼
Amounts receivable within one year40/41€193k€135k▼
Trade receivables40€141k€131k▼
Other amounts receivable41€53k€4k▼
Current investments50/53€100k€0▼
Cash at bank and in hand54/58€206k€149k▼
Deferred charges and accrued income490/1€10k€14k▲
Equity and liabilities
Total equity and liabilities10/49€1.13M€1.16M▲
Equity10/15€532k€506k▼
Contributions10/11€100k€100k=
Profit (loss) carried forward14€159k€195k▲
Investment grants15€274k€212k▼
Amounts payable17/49€594k€649k▲
Amounts payable after more than one year17€192k€281k▲
Financial debts170/4€184k€273k▲
Other amounts payable178/9€8k€8k=
Amounts payable within one year42/48€225k€319k▲
Current portion of amounts payable after more than one year42€66k€96k▲
Financial debts43€43k€0▼
Credit institutions430/8€2k€0▼
Other loans439€41k€0▼
Trade debts44€49k€181k▲
Suppliers440/4€49k€181k▲
Taxes, remuneration and social security45€65k€38k▼
Taxes450/3€13k€6k▼
Remuneration and social security454/9€51k€32k▼
Other amounts payable47/48€1k€4k▲
Accrued charges and deferred income492/3€177k€49k▼
Income statement
Code20242025
Non-recurring operating income76A€0€11k▲
Remuneration, social security and pensions62€753k€563k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€92k€182k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€13k
Other operating charges640/8€5k€3k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€945k€755k▼
Operating profit (loss)9901€95k€-6k▼
Financial income75/76B€50k€62k▲
Recurring financial income75€50k€62k▲
Financial charges65/66B€19k€19k▼
Recurring financial charges65€19k€19k▼
Profit (loss) for the period before taxes9903€126k€37k▼
Income taxes67/77€854€2k▲
Profit (loss) for the period9904€125k€36k▼
Profit (loss) for the period to be appropriated9905€125k€36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€159k€195k▲
Profit (loss) brought forward from the previous period14P€34k€159k▲
Social balance
Average headcount (FTE)90878.28.9▲
The notes to these accounts (27 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €13k | €0 | €11k | - |
| Remuneration, social security and pensions62 | €457k | €373k | €461k | €753k | €563k | ▼ 25.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €37k | €52k | €53k | €92k | €182k | ▲ 97.6% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €13k | - |
| Other operating charges640/8 | €9k | €4k | €4k | €5k | €3k | ▼ 38.7% |
| Non-recurring operating charges66A | €25 | €0 | €443 | €0 | - | - |
| Gross operating margin9900 | €321k | €533k | €667k | €945k | €755k | ▼ 20.1% |
| Operating profit (loss)9901 | €-182k | €105k | €149k | €95k | €-6k | ▼ 106% |
| Financial income75/76B | €719 | €547 | €3k | €50k | €62k | ▲ 23.8% |
| Recurring financial income75 | €719 | €547 | €3k | €50k | €62k | ▲ 23.8% |
| Financial charges65/66B | €16k | €9k | €23k | €19k | €19k | ▼ 1.1% |
| Recurring financial charges65 | €16k | €9k | €23k | €19k | €19k | ▼ 1.1% |
| Profit (loss) for the period before taxes9903 | €-197k | €97k | €129k | €126k | €37k | ▼ 70.5% |
| Income taxes67/77 | €513 | €419 | €4k | €854 | €2k | ▲ 83.7% |
| Profit (loss) for the period9904 | €-198k | €96k | €125k | €125k | €36k | ▼ 71.5% |
| Profit (loss) for the period to be appropriated9905 | €-198k | €96k | €125k | €125k | €36k | ▼ 71.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €430k | €542k | €765k | €1.13M | €1.16M | ▲ 2.5% |
| Formation expenses20 | €2k | €71 | €0 | - | - | - |
| Fixed assets21/28 | €158k | €112k | €162k | €488k | €789k | ▲ 61.6% |
| Intangible fixed assets21 | €40k | €33k | €103k | €392k | €658k | ▲ 67.8% |
| Tangible fixed assets22/27 | €110k | €71k | €50k | €86k | €121k | ▲ 40.1% |
| Land and buildings22 | €4k | €3k | €3k | €6k | €5k | ▼ 18.1% |
| Plant, machinery and equipment23 | €34k | €23k | €19k | €12k | €9k | ▼ 24.7% |
| Furniture and vehicles24 | €46k | €27k | €19k | €34k | €49k | ▲ 42.8% |
| Leasing and similar rights25 | €22k | €14k | €6k | €32k | €57k | ▲ 77.3% |
| Other tangible fixed assets26 | €4k | €4k | €3k | €2k | €1k | ▼ 38.9% |
| Financial fixed assets28 | €8k | €8k | €9k | €9k | €9k | = |
| Current assets29/58 | €271k | €430k | €604k | €638k | €366k | ▼ 42.6% |
| Stocks and contracts in progress3 | €81k | €112k | €113k | €129k | €69k | ▼ 46.7% |
| Stocks30/36 | €81k | €81k | €82k | €91k | €69k | ▼ 24.6% |
| Contracts in progress37 | - | €32k | €31k | €38k | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €112k | €178k | €140k | €193k | €135k | ▼ 30.2% |
| Trade receivables40 | €102k | €135k | €124k | €141k | €131k | ▼ 6.9% |
| Other amounts receivable41 | €10k | €43k | €15k | €53k | €4k | ▼ 92.4% |
| Current investments50/53 | - | - | €18k | €100k | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €66k | €132k | €328k | €206k | €149k | ▼ 27.8% |
| Deferred charges and accrued income490/1 | €12k | €7k | €5k | €10k | €14k | ▲ 42.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €430k | €542k | €765k | €1.13M | €1.16M | ▲ 2.5% |
| Equity10/15 | €-183k | €-86k | €133k | €532k | €506k | ▼ 4.9% |
| Contributions10/11 | €5k | €5k | €100k | €100k | €100k | = |
| Profit (loss) carried forward14 | €-188k | €-91k | €34k | €159k | €195k | ▲ 22.4% |
| Investment grants15 | - | - | - | €274k | €212k | ▼ 22.5% |
| Amounts payable17/49 | €613k | €628k | €632k | €594k | €649k | ▲ 9.2% |
| Amounts payable after more than one year17 | €261k | €214k | €168k | €192k | €281k | ▲ 46.3% |
| Financial debts170/4 | €253k | €205k | €160k | €184k | €273k | ▲ 48.4% |
| Other amounts payable178/9 | €8k | €8k | €8k | €8k | €8k | = |
| Amounts payable within one year42/48 | €351k | €413k | €457k | €225k | €319k | ▲ 42.1% |
| Current portion of amounts payable after more than one year42 | €47k | €48k | €46k | €66k | €96k | ▲ 44.6% |
| Financial debts43 | €125k | €101k | €156k | €43k | €0 | ▼ 100% |
| Credit institutions430/8 | €125k | €101k | €156k | €2k | €0 | ▼ 100% |
| Other loans439 | - | - | - | €41k | €0 | ▼ 100% |
| Trade debts44 | €87k | €86k | €87k | €49k | €181k | ▲ 270% |
| Suppliers440/4 | €87k | €86k | €87k | €49k | €181k | ▲ 270% |
| Taxes, remuneration and social security45 | €84k | €94k | €112k | €65k | €38k | ▼ 40.4% |
| Taxes450/3 | €35k | €53k | €52k | €13k | €6k | ▼ 51.9% |
| Remuneration and social security454/9 | €49k | €41k | €60k | €51k | €32k | ▼ 37.5% |
| Other amounts payable47/48 | €8k | €84k | €56k | €1k | €4k | ▲ 171% |
| Accrued charges and deferred income492/3 | €522 | €2k | €7k | €177k | €49k | ▼ 72.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-198k | €96k | €125k | €125k | €36k | ▼ 71.5% |
| + Depreciation and write-downs630 | €37k | €52k | €53k | €92k | €182k | ▲ 97.6% |
| Operating cash flow (approximation) | €-161k | €148k | €178k | €217k | €217k | ▲ 0.1% |
| Investment in fixed assets (approximation) | - | €-6k | €-102k | €-418k | €-483k | ▼ 15.4% |
| Change in cash | - | €66k | €196k | €-122k | €-57k | ▲ 53.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-09
State Gazette act
Appointment: Zinpact (director)Permanent representative: Ollevier-Claeys Hans · Resignation: Zinpact (director) · Power of attorney10 facts ▸
State Gazette act
Appointment: Zinpact (director)
Permanent representative: Ollevier-Claeys Hans · Resignation: Zinpact (director) · Power of attorney10 facts ▸
- General meeting, 05-03-2026
- Director appointment, Zinpact (director)
- Permanent representative, Ollevier-Claeys Hans (permanent representative)
- Director resignation, Zinpact (director)
- Power of attorney, PKF BOFIDI Accountants & Advisers
- Power of attorney, Lindsey Schamp
- Power of attorney, Wendy Defreyne
- Power of attorney, Sylvia Vanbeveren
- Power of attorney, Eva Thielemans
- Power of attorney, Tine Talpe
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 21 days late
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2020net €125k ▲0.1%
Net result €125k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 2.84
Current ratio from 1.32 to 2.84; short-term debt falls from €457k to €225k.
31-12
Financial
Equity above €500kEq €532k ▲299%
3 profitable years in a row build equity to €532k.
13-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €100kEq €133k
2 profitable years in a row build equity to €133k.
04-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €96k
Net result €96k after one loss-making year.
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-198k
Net result drops to €-198k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 25 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2025
Zinpact
CurrentDirector · since 30-12-2025 · Private limited company · perm. rep.: Ollevier-Claeys Hans
30-12-2025
Reappointed as Director
Not every act has been read: a resignation may be missing here
3 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Beringen · 1 establishment unit since 2019
Ground area
1,925 m²
Building footprint
1,002 m²
Volume, LiDAR
4,467 m³
Parcel 71382D1646/00C002, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
ZUUVR
since 20192.293.414.550
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71382D1646/00C002 | Flanders | 1,925 m² | 1 · 1,002 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Public money · subsidies and aid
Flemish government
2022 to 2025 · 9 entries · 419,362 EUR awarded · 332,928 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 4 | 4,913 EUR | 413 EUR |
| 2024 | 3 | 413,007 EUR | 331,073 EUR |
| 2023 | 1 | 120 EUR | 120 EUR |
| 2022 | 1 | 1,322 EUR | 1,322 EUR |
Schemes
Ontwikkelingsproject
Subsidies voor internationaal ondernemen
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,420. 4,532 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-09-2019
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
42990Civil engineering
43212Electrical installation work in industrial facilities
Scores and ratios are computed by Checked and are not a credit decision.