Equity
€23,396 ▲ 39.8%
ZYMTECH has made a profit without a break since 2016.
ZYMTECH
Lifetime
12 annual accounts with figures on one time axispeak €8,936 (2025)
€8,936▲ 8.4%
lowest -€18,886 (2014)
€6,658▲ 5.4%
peak €23,396 (2025)
€23,396▲ 39.8%
€1,501▼ 66.9%
Board1 name since 2021
1 directorMESKENS Ellen
Documentsfilings and deeds
12-07-202619 days before the deadline
2025micro format
Equity from €16,738 to €23,396Debts from €4,529 to €1,501Cash from €4,097 to €9,035
Key points
from the 2025 annual accountsChecked score
99
Excellent
Financially stronger than 91% of micro companies in wholesale trade (NACE 46)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,891 companies (NACE 46, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.3%▲ +0.1 percentage points vs 06-2025
08-2025: 0.4%▲ +0.1 percentage points vs 07-2025
09-2025: 0.4%● unchanged vs 08-2025
10-2025: 0.4%● unchanged vs 09-2025
11-2025: 0.4%● unchanged vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.4%● unchanged 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 06-2026highest value
08-2026: 0.1%▼ -0.3 percentage points vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Size: total assets €24,897
lowers risk
Founded in 2013
Liquidity: current ratio 15.02, cash €9,035
Equity €23,396 (94.0% of total assets)
Calculation
The band follows from the bankruptcy probability. 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 46, micro). It does better than 90% of them on solvency, 93% on liquidity, 95% on profitability and 85% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 34,693 companies had the same profile as ZYMTECH has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of ZYMTECH itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for ZYMTECH. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 15.02 (3.93 in 2024), above the usual 1.5. Short-term debt is 6% and cash 36.3% of total assets. 6% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-07-2026, 19 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
19 days early
2024
24 days early
2023
21 days early
2022
67 days late
2021
1 day late
2020
31 days early
2019
122 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 14 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 12 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0518969301
Legal-form change · Resignations & appointments
Resignation: MESKENS Ellen (director) · Reappointment: MESKENS Ellen (director) · Director discharge: MESKENS Ellen · General meeting of 07-11-2023 · Gazette deed
Registered office moved from Deinze to Kruisem
New registered office: Maaigemstraat 3 9770 Kruisem · Previous registered office: Oostkouterlaan 105, 9800 Deinze · Board meeting of 30-04-2019 · Gazette deed
Incorporation
published on 11-03-2013 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ZYMTECH Kruisem | €24,897 | €8,936 | 94.0% | - |
| NetXpress Roeselare | €65,592 | €17,151 | -27.3% | - |
| Renovaclean Schaerbeek | €53,585 | €28,817 | 83.9% | - |
| ALLL Liège | €63,054 | €18,395 | -105.0% | - |
| CLN KCKS Uccle | €37,995 | €19,495 | -285.9% | - |
| De Zeepboeren Merelbeke-Melle | €28,504 | €6,506 | 6.4% | - |
| BUILDING MAINTENANCE ET MULTI-SERVICES Braine-le-Château | €38,809 | €55,183 | -274.9% | 1 |
These companies have the same main activity as ZYMTECH: wholesale trade (NACE 46442). They are comparable in size and age: total assets between €28,500 and €65,600, founded between 2009 and 2019.
Official details
Source: KBO- Status
- Active since 26-02-2013Normal situation
- Activity
- Wholesale tradeNACE 46442and 1 other
- Financial year end
- 31 December
- Peppol
- Reachable since 21-10-2026
Annual accounts 2025
- ≈ €88,000estimated
- €24,897▲ 17.1%
- Filing
- Filed on 12-07-2026, 19 days before the end of the filing period
Insights on ZYMTECH
ZYMTECH files the micro format. That format states no turnover. The gross margin rose from -€13,860 in 2014 to €8,936 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about ZYMTECH
- What is the company number of ZYMTECH?
- The company number of ZYMTECH is 0518.969.301. The VAT number is the same number with BE in front: BE 0518.969.301.
- Where is ZYMTECH based?
- The registered office is at Maaigemstraat 3, 9770 Kruisem.Company details
- What does ZYMTECH do?
- According to the KBO register, the main activity is wholesale trade (NACE 46442).
- What is the legal form of ZYMTECH?
- ZYMTECH is a private limited company (BV).
- When was ZYMTECH founded?
- ZYMTECH was founded on 26-02-2013.
- Is ZYMTECH still active?
- Yes, ZYMTECH is an active enterprise in the KBO register.
- What is the turnover of ZYMTECH?
- The turnover in financial year 2025 is ≈ €88,000. This figure is estimated from the gross margin of €8,936 and 41 comparable companies (NACE 464). It probably lies between €45,000 and €360,000. It is a rough estimate.Financials
- Is ZYMTECH profitable?
- In financial year 2025, ZYMTECH made a profit of €6,658.
- Where can I find the annual accounts of ZYMTECH?
- ZYMTECH filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ZYMTECH due?
- ZYMTECH must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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