ZYMACO
ActiveSummary
ZYMACO has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €70,298 and a net result of €39,949. Equity is growing by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 21% of 31958 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▲+15
Solvency42▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,500 at 30 days acceptable
Liquidity short (current ratio 0.81 against 0.76 in 2024; short-term debt: 13.7% and cash: 9.6% of total assets), and 83.4% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
16.6%
Return on assets
9.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 31958 sector peers (2025).
NBB · sector comparisonPosition among 31958 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 7 filingsDeviation from the deadline
2025
30 d late
2024
24 d late
2023
20 d late
2022
29 d late
2021
4 d late
2020
23 d late
2019
27 d 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 22 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
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. Usually files around 24 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€70,298▲ 7.1%
2024 · €65,643
Total assets
€424,712▲ 0.4%
2024 · €423,218
Net result
€39,949▲ 57.2%
2024 · €25,410
Working capital
-€10,795▲ 14.6%
2024 · -€12,637
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€42,020▲ 18.8%€33,891▼ 19.3%€10,514▼ 69.0%€48,695▲ 363%€66,268▲ 36.1%
Net result€31,843within the sector's middle half▲ 18.2%€24,624within the sector's middle half▼ 22.7%€4,541within the sector's middle half▼ 81.6%€25,410within the sector's middle half▲ 460%€39,949within the sector's middle half▲ 57.2%
Equity€80,121within the sector's middle half▲ 66.0%€92,221within the sector's middle half▲ 15.1%€73,233within the sector's middle half▼ 20.6%€65,643within the sector's middle half▼ 10.4%€70,298within the sector's middle half▲ 7.1%
Total assets€109,797within the sector's middle half▲ 58.1%€108,110within the sector's middle half▼ 1.5%€351,213within the sector's middle half▲ 225%€423,218within the sector's middle half▲ 20.5%€424,712within the sector's middle half▲ 0.4%
Debt€29,676▲ 40.2%€15,889▼ 46.5%€277,980▲ 1,650%€357,575▲ 28.6%€354,414▼ 0.9%
Working capital€60,516within the sector's middle half▲ 44.8%€77,230within the sector's middle half▲ 27.6%€7,103within the sector's middle half▼ 90.8%-€12,637below the sector's middle half-€10,795below the sector's middle half▲ 14.6%
Solvency73.0%within the sector's middle half▲ 3.4pp85.3%above the sector's middle half▲ 12.3pp20.9%below the sector's middle half▼ 64.5pp15.5%below the sector's middle half▼ 5.3pp16.6%below the sector's middle half▲ 1.0pp
Current ratio3.04within the sector's middle half▲ 0.065.86above the sector's middle half▲ 2.821.22within the sector's middle half▼ 4.640.76below the sector's middle half▼ 0.460.81below the sector's middle half▲ 0.05
Return on assets (ROA)29.0%above the sector's middle half▼ 9.8pp22.8%within the sector's middle half▼ 6.2pp1.3%below the sector's middle half▼ 21.5pp6.0%within the sector's middle half▲ 4.7pp9.4%within the sector's middle half▲ 3.4pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 36% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €424,712
Fixed assets
€377,296 ▼ 1.6%
Current assets
€47,416 ▲ 18.8%
Equity and liabilities €424,712
Equity
€70,298 ▲ 7.1%
Debt
€354,414 ▼ 0.9%
Debt's share of the balance-sheet total falls from 84.5% to 83.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€85,654▲
2024 · €68,850
Cash flow
€59,335▲
2024 · €45,565
Debt to equity
5.04▼
2024 · 5.45
ROE
56.8%▲
2024 · 38.7%
Interest coverage
6.15▲
2024 · 4.81
Debt ≤ 1 year
€58,211▲
2024 · €52,565
Debt > 1 year
€296,203▼
2024 · €305,010
Income taxes
€12,389▲
2024 · €8,976
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,713 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.8%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,713 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,824 | €4,614 | €31,112 | €20,155 | €19,386 | ▼ 3.8% |
| Other operating charges640/8 | €1,222 | €2,709 | €1,330 | €6,243 | €2,368 | ▼ 62.1% |
| Gross operating margin9900 | €47,066 | €41,214 | €42,956 | €75,093 | €88,022 | ▲ 17.2% |
| Operating profit (loss)9901 | €42,020 | €33,891 | €10,514 | €48,695 | €66,268 | ▲ 36.1% |
| Financial income75/76B | €10 | €9 | - | - | - | - |
| Recurring financial income75 | €10 | €9 | - | - | - | - |
| Financial charges65/66B | €141 | €358 | €2,231 | €14,309 | €13,930 | ▼ 2.6% |
| Recurring financial charges65 | €141 | €358 | €2,231 | €14,309 | €13,930 | ▼ 2.6% |
| Profit (loss) for the period before taxes9903 | €41,889 | €33,542 | €8,283 | €34,386 | €52,338 | ▲ 52.2% |
| Income taxes67/77 | €10,046 | €8,918 | €3,742 | €8,976 | €12,389 | ▲ 38.0% |
| Profit (loss) for the period9904 | €31,843 | €24,624 | €4,541 | €25,410 | €39,949 | ▲ 57.2% |
| Profit (loss) for the period to be appropriated9905 | €31,843 | €24,624 | €4,541 | €25,410 | €39,949 | ▲ 57.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €109,797 | €108,110 | €351,213 | €423,218 | €424,712 | ▲ 0.4% |
| Fixed assets21/28 | €19,605 | €14,991 | €311,586 | €383,290 | €377,296 | ▼ 1.6% |
| Intangible fixed assets21 | €9,120 | €7,149 | €5,179 | €3,208 | €1,237 | ▼ 61.4% |
| Tangible fixed assets22/27 | €10,485 | €7,842 | €306,407 | €380,082 | €376,059 | ▼ 1.1% |
| Land and buildings22 | - | - | €300,963 | €376,666 | €361,964 | ▼ 3.9% |
| Plant, machinery and equipment23 | €1,231 | €535 | €82 | - | - | - |
| Furniture and vehicles24 | €3,537 | €2,614 | €1,692 | €769 | €10 | ▼ 98.7% |
| Other tangible fixed assets26 | €5,717 | €4,693 | €3,670 | €2,647 | €14,085 | ▲ 432% |
| Current assets29/58 | €90,192 | €93,119 | €39,627 | €39,928 | €47,416 | ▲ 18.8% |
| Amounts receivable within one year40/41 | €11,951 | €4,602 | €4,877 | €5,614 | €6,079 | ▲ 8.3% |
| Trade receivables40 | €11,951 | €3,403 | €2,420 | €4,421 | €5,287 | ▲ 19.6% |
| Other amounts receivable41 | - | €1,199 | €2,457 | €1,193 | €792 | ▼ 33.6% |
| Cash at bank and in hand54/58 | €77,491 | €85,782 | €33,087 | €33,853 | €40,921 | ▲ 20.9% |
| Deferred charges and accrued income490/1 | €750 | €2,735 | €1,663 | €461 | €416 | ▼ 9.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €109,797 | €108,110 | €351,213 | €423,218 | €424,712 | ▲ 0.4% |
| Equity10/15 | €80,121 | €92,221 | €73,233 | €65,643 | €70,298 | ▲ 7.1% |
| Contributions10/11 | €7,242 | €19,342 | €19,342 | €19,342 | €19,342 | = |
| Outside capital11 | €7,242 | €19,342 | - | - | - | - |
| Other1109/19 | €7,242 | €19,342 | - | - | - | - |
| Profit (loss) carried forward14 | €72,879 | €72,879 | €53,891 | €46,301 | €50,956 | ▲ 10.1% |
| Amounts payable17/49 | €29,676 | €15,889 | €277,980 | €357,575 | €354,414 | ▼ 0.9% |
| Amounts payable after more than one year17 | - | - | €245,456 | €305,010 | €296,203 | ▼ 2.9% |
| Financial debts170/4 | - | - | €245,456 | €305,010 | €296,203 | ▼ 2.9% |
| Amounts payable within one year42/48 | €29,676 | €15,889 | €32,524 | €52,565 | €58,211 | ▲ 10.7% |
| Current portion of amounts payable after more than one year42 | - | - | €2,543 | €12,449 | €10,847 | ▼ 12.9% |
| Trade debts44 | €5,344 | €4,846 | €213 | €1,121 | - | - |
| Suppliers440/4 | €5,344 | €4,846 | €213 | €1,121 | - | - |
| Taxes, remuneration and social security45 | €24,188 | €10,682 | €14,679 | €16,591 | €22,449 | ▲ 35.3% |
| Taxes450/3 | €24,188 | €10,682 | €14,679 | €16,591 | €22,449 | ▲ 35.3% |
| Other amounts payable47/48 | €144 | €361 | €15,089 | €22,404 | €24,915 | ▲ 11.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €31,843 | €24,624 | €4,541 | €25,410 | €39,949 | ▲ 57.2% |
| + Depreciation and write-downs630 | €3,824 | €4,614 | €31,112 | €20,155 | €19,386 | ▼ 3.8% |
| Operating cash flow (approximation) | €35,667 | €29,238 | €35,653 | €45,565 | €59,335 | ▲ 30.2% |
| Investment in fixed assets (approximation) | - | €0 | -€327,707 | -€91,859 | -€13,392 | ▲ 85.4% |
| Change in cash | - | €8,291 | -€52,695 | €766 | €7,068 | ▲ 823% |
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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
30-03
State Gazette act
General meeting · Statutes amendment
Director appointment · Permanent representative
2025
31-12
Financial
Highest result since 2019net €39,949 ▲57.2%
Operating result €66,268, net result €39,949, both a record.
24-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 24 days late
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Weakest financial yearnet €4,541 ▼81.6%
Net result drops to €4,541, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Chaumont-Gistoux · 1 establishment unit since 2019
Ground area
1,396 m²
Building footprint
179 m²
Volume, LiDAR
2,009 m³
2 parcels, Brussels, Wallonia · tallest building 18.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
ZYMACO
since 20192.288.216.241
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25021A0014/00R000 | Wallonia | 1,093 m² | 1 · 75 m² | 14.8 m · 2 fl. |
| 21363B0391/00S011 | Brussels | 303 m² | 1 · 103 m² | 18.4 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,641 companies in sector 70200 we hold annual accounts for 52,623. 39,682 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
Founded01-04-2019
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0723845177
Registered
30-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.