ZUVANO Construct
ActiveZUVANO Construct has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €399. Equity is shrinking by ~36.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 7293 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Axes · tick = 2024
Profitability-
Solvency100=
Growth58=
Stability100
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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Age of the figures
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 10-03-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
325 d late
2023
1 d early
2022
36 d early
2020
3 d early
2019
62 d early
2018
25 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€399=
2024 · €399
2018: €9k
2019: €6k
2020: €5k
2022: €3k
2023: €971
2024: €399
2018 → 2025
Total assets
€399=
2024 · €399
2018: €12k
2019: €9k
2020: €8k
2022: €3k
2023: €971
2024: €399
2018 → 2025
Net result
€-572▲ 64.1%
2023 · €-2k
2018: €-3k
2019: €-3k
2020: €-1k
2022: €-4k
2023: €-2k
2018 → 2024
Working capital
€5k▼ 22.8%
2019 · €6k
2018: €9k
2019: €6k
2018 → 2020
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€5k-€3k▼ 46.3%€971▼ 62.2%€399▼ 58.9%€399=
Operating result€-1k-€-4k▼ 246%€-1k▲ 67.1%€-572▲ 60.0%
Net result€-1k-€-4k▼ 217%€-2k▲ 64.4%€-572▲ 64.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €572 in 2024 against €1k in 2023; the loss shrinks.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€399€399=
Current assets29/58€399€399=
Cash at bank and in hand54/58€399€399=
Equity and liabilities
Total equity and liabilities10/49€399€399=
Equity10/15€399€399=
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-13k€-13k=
Income statement
Code20242025
Gross operating margin9900€-572-
Operating profit (loss)9901€-572-
Profit (loss) for the period before taxes9903€-572-
Profit (loss) for the period9904€-572-
Profit (loss) for the period to be appropriated9905€-572-
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€-13k=
Profit (loss) brought forward from the previous period14P€-13k€-13k▼
The notes to these accounts (1 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
21-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 325 days late
10-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
2021
27-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
12-04
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 directors, no change since 2026
ZUTTERMAN Kimberly
CurrentDirector · since 02-04-2026
ROUSSEEUW Danny
Not recently confirmedManager · since 02-09-2015
02-04-2026
ZUTTERMAN Kimberly: Appointed as Director
02-04-2026
ROELS Kurt Gentil: Resigned as Director
02-04-2026
ROUSSEEUW Danny Roger: Resigned as Director
02-04-2026
VANDENBERGHE Francine Clementine: Resigned as Director
02-09-2015
ROUSSEEUW Danny: Appointed as Manager
Location & real-estate footprint
Registered office, Wingene · 1 establishment unit since 2010
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.
Laurierstraat 168750 WingeneGround area
191 m²
Building footprint
68 m²
Parcel 37019A1063/00X000, Flanders. Linked by address, not a title deed.
1 establishment unit
Window Benelux
since 20102.185.756.131
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37019A1063/00X000 | Flanders | 191 m² | 1 · 68 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
ALGEMENE BOUWWERKEN GUY GEURS
BE 0448.245.809
Gent · Eq €398
AFR BUSINESS
BE 0700.362.764
Ukkel · Eq €401
CHANTIER VANKERKOVEN
BE 0831.355.425
Aiseau-Presles · Eq €401
TR&C° PLAFONNAGE
BE 0879.971.429
Fleurus · Eq €404
Franco Services Clean
BE 0786.530.438
Aalst · Eq €404
Of 29,531 companies in sector 41001 we hold annual accounts for 15,864. 791 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-02-2010
Fiscal year end30-09
Activities, NACEBEL
41001General construction of residential buildings
25120Manufacture of fabricated metal products, except machinery and equipment
43320Joinery installation
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.