ZV Belgium

Active

Private limited companyfounded 2005active for 21 yearsLouizalaan 60, 1050 Elsene, BelgiumKBO/BCE: BE 0874.519.237

Summary

ZV Belgium has been active since 2005 and the Belgian Official Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €6.7m and a net result of €3.9m. Equity is growing by about 14% per year across the filed financial years. Its solvency ranks better than 84% of 329 sector peers (NACE 47, financial year 2026). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisFollow Report Compare

ZV BelgiumActiveChecked score 97/100

Risk analysis Report Compare

Activity

Retail sale of clothing and accessories for women, men, children and babies (general range)

NACE 47716

6 sites

Size

€9.8mturnover 2026

Staff: 28 FTE
Equity: €6.7m
Profit: €3.9m

Financial health

97 Excellent Checked score 2026

Bankruptcy probabilitywithin 12 months: 0.1%

Structure

Parent: Z&V SASU SE · 99.46%

Arnaud Charles Yves GillierDirector

Auditor: KPMG Réviseurs d'Entreprises BV/SRL2026 accounts 5 days early2 of 9 deeds summarised

Why 97raises risk2 of the last 3 latelowers riskFounded in 2005Liquidity: current ratio 5.47, cash €1.4mSize: turnover €9.8m, 28 FTE, total assets €9.0mShow the evidence

Checked score

Score 2026

97 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 78% of its sector peers (NACE 47, small)

Every signal that counts is listed under Signals.

Financial strength · tick = 2025

Strong

Solvency 100=

equity 74.9% of total assets

Liquidity 65+15

short-term debt 17.7% · cash 15.5%

Profitability 100+18

return on assets 44.0%

Bankruptcy probability, 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 0.4% (3,693 companies, NACE 47, small)

Last 24 months 11-2024: 0.5% 12-2024: 0.5%● unchanged vs 11-2024 01-2025: 0.5%● unchanged vs 12-2024 02-2025: 0.4%▼ -0.1 percentage points vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.4%● unchanged vs 05-2025 07-2025: 0.4%● unchanged vs 06-2025 08-2025: 0.5%▲ +0.1 percentage points vs 07-2025 09-2025: 0.7%▲ +0.2 percentage points vs 08-2025 10-2025: 0.8%▲ +0.1 percentage points vs 09-2025highest value 11-2025: 0.5%▼ -0.3 percentage points vs 10-2025 12-2025: 0.5%● unchanged vs 11-2025 01-2026: 0.5%● unchanged vs 12-2025 02-2026: 0.4%▼ -0.1 percentage points vs 01-2026 03-2026: 0.4%● unchanged vs 02-2026 04-2026: 0.4%● unchanged vs 03-2026 05-2026: 0.4%● unchanged vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.4%● unchanged vs 06-2026 08-2026: 0.4%● unchanged vs 07-2026 09-2026: 0.1%▼ -0.3 percentage points vs 08-2026lowest value 10-2026: 0.1%● unchanged vs 09-2026lowest value

Credit of up to €650,000 on 30-day terms is acceptable

Liquidity ample (current ratio 5.47, compared with 41.88 in 2025, above the usual 1.5; short-term debt: 17.7% and cash: 15.5% of total assets), and 25.1% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 47, small): better than 90% on solvency, 85% on liquidity, 98% on profitability and 38% on growth.

The bankruptcy probability was computed on 26-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises riskneutral

Founded in 2005

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Liquidity: current ratio 5.47, cash €1.4m

NBB · annual accounts

2 of the last 3 late

NBB · filings

Size: turnover €9.8m, 28 FTE, total assets €9.0m

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 26-08-2026, 5 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2026

5 days early

2025

31 days late

2024

58 days late

2023

71 days late

2022

77 days late

2021

12 days early

2020

24 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 35 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today. The company usually files around 29 October (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

27-10-2026 today31-01-2027 year end31-08-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

26-08-2026 Annual accounts filedfinancial year 2026 · full…
01-10-2025 Annual accounts filedfinancial year 2025 · unclassified…
31-01-2025 Weakest financial yearnet €2.7m ▼76.4%

Key points

Caution: Equity fell in 2026from €77.8m to €6.7m ▼ 91.4% View
Positive: Among the best 5% on net resultsector median €72,524 · 326 companies €3.9m View
Positive: 8 profitable years in a rowprofit 2026: €3.9m 8 years View
Controlled by Z&V SASU SEknown shareholders 100% 99.46% View

By topic

Financials

Financial year: 2026
Turnover: €9.8m
Profit: €3.9m
Solvency: 74.9%

Turnover▲ 6.8%

Net result

20192026

Go to Financials

Board & ownership

Board: 1 member
Parent: Z&V SASU SE · 99.46%
Known shareholders: 100%
Auditor: KPMG Réviseurs d'Entreprises BV/SRL

Arnaud Charles Yves GillierDirector

Go to Board & ownership

Network & group

Group: ZV HOLDING

Go to Network & group

Timeline

Events: 28
Since: 2007
Next accounts: by 31-08-2027

31-01-2025Liquidity more than 7 times
28-10-2024Annual accounts filed
30-09-2024Reappointment: KPMG Réviseurs d'Entreprises BV/SRL (statutory auditor)

Go to Timeline

Company details

Sites: 6

Legal form: Private limited company
Activity: Retail sale of clothing and accessories for women…NACE 47716
Founded: 16-06-2005
Year ends: 31-01
Peppol: Reachable for e-invoices

Go to Company details

Key facts about ZV Belgium

What is the company number of ZV Belgium?: 0874.519.237. In Belgium the VAT number is the company number with BE in front: BE 0874.519.237.
Where is ZV Belgium based?: The registered office is at Louizalaan 60, 1050 Elsene.Company details
What does ZV Belgium do?: According to the KBO register, the main activity is retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716).
What is the legal form of ZV Belgium?: Private limited company (BV).
When was ZV Belgium founded?: On 16-06-2005.
Is ZV Belgium still active?: Yes, ZV Belgium is an active enterprise in the KBO register.
How many employees does ZV Belgium have?: On average 28 full-time equivalents in financial year 2026, according to the filed annual accounts.Financials
What is the turnover of ZV Belgium?: €9.8m in financial year 2026, according to the filed annual accounts.
Is ZV Belgium profitable?: In financial year 2026, ZV Belgium made a profit of €3.9m.
Where can I find the annual accounts of ZV Belgium?: ZV Belgium filed 21 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
When are the next annual accounts of ZV Belgium due?: By 31-08-2027, for financial year 2027.Timeline