ZYMTECH
ActiveSummary
ZYMTECH has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23k and a net result of €7k. Equity is growing by ~39.7% per year across the filed fiscal years. Its solvency ranks better than 93% of 11389 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 15.02 against 3.93 in 2024; short-term debt: 6% and cash: 36.3% of total assets), and 6% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% 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
94%
Return on assets
26.7%
Age of the figures
9 mo
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
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 d early
2024
24 d early
2023
21 d early
2022
67 d late
2021
1 d late
2020
31 d early
2019
122 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, micro schema
Equity
€23k▲ 39.8%
2024 · €17k
2018: €3klowest in 8 years
2019: €3k▲ +13.5% vs 2018
2020: €4k▲ +25.5% vs 2019
2021: €5k▲ +17.6% vs 2020
2022: €7k▲ +44.7% vs 2021
2023: €10k▲ +59.9% vs 2022
2024: €17k▲ +60.6% vs 2023
2025: €23k▲ +39.8% vs 2024highest in 8 years
2018 → 2025
Total assets
€25k▲ 17.1%
2024 · €21k
2018: €15k
2019: €10k▼ -36.1% vs 2018lowest in 8 years
2020: €15k▲ +53.4% vs 2019
2021: €19k▲ +24.8% vs 2020
2022: €17k▼ -9.9% vs 2021
2023: €14k▼ -19.6% vs 2022
2024: €21k▲ +56.0% vs 2023
2025: €25k▲ +17.1% vs 2024highest in 8 years
2018 → 2025
Net result
€7k▲ 5.4%
2024 · €6k
2018: €844
2019: €364▼ -56.9% vs 2018lowest in 8 years
2020: €778▲ +114% vs 2019
2021: €675▼ -13.2% vs 2020
2022: €2k▲ +198% vs 2021
2023: €4k▲ +94.0% vs 2022
2024: €6k▲ +61.8% vs 2023
2025: €7k▲ +5.4% vs 2024highest in 8 years
2018 → 2025
Working capital
€21k▲ 58.5%
2024 · €13k
2018: €2k
2019: €3k▲ +51.3% vs 2018
2020: €60▼ -98.0% vs 2019
2021: €-474▼ -886% vs 2020lowest in 8 years
2022: €2k▲ +515% vs 2021
2023: €9k▲ +377% vs 2022
2024: €13k▲ +41.5% vs 2023
2025: €21k▲ +58.5% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€7k▲ 44.7%€10k▲ 59.9%€17k▲ 60.6%€23k▲ 39.8%
2021: €5klowest in 5 years
2022: €7k▲ +44.7% vs 2021
2023: €10k▲ +59.9% vs 2022
2024: €17k▲ +60.6% vs 2023
2025: €23k▲ +39.8% vs 2024highest in 5 years
Operating result€787-€4k▲ 403%€5k▲ 17.3%€6k▲ 39.4%€7k▲ 12.7%
2021: €787lowest in 5 years
2022: €4k▲ +403% vs 2021
2023: €5k▲ +17.3% vs 2022
2024: €6k▲ +39.4% vs 2023
2025: €7k▲ +12.7% vs 2024highest in 5 years
Net result€675-€2k▲ 198%€4k▲ 94.0%€6k▲ 61.8%€7k▲ 5.4%
2021: €675lowest in 5 years
2022: €2k▲ +198% vs 2021
2023: €4k▲ +94.0% vs 2022
2024: €6k▲ +61.8% vs 2023
2025: €7k▲ +5.4% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 13% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €25k
Fixed assets
€2k ▼ 31.9%
Current assets
€23k ▲ 26.6%
Equity and liabilities €25k
Equity
€23k ▲ 39.8%
Debt
€2k ▼ 66.9%
Debt's share of the balance-sheet total falls from 21.3% to 6.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€8k▲
2024 · €7k
Cash flow
€8k▲
2024 · €7k
Current ratio
15.02▲
2024 · 3.93
Quick ratio
10.06▲
2024 · 2.38
Debt to equity
0.06▼
2024 · 0.27
ROE
28.5%▼
2024 · 37.7%
ROA
26.7%▼
2024 · 29.7%
Interest coverage
9.39▲
2024 · 6.59
Debt ≤ 1 year
€2k▼
2024 · €5k
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€21k€25k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€3k€2k▼
Other tangible fixed assets26€623€208▼
Current assets29/58€18k€23k▲
Stocks and contracts in progress3€7k€7k▲
Stocks30/36€7k€7k▲
Amounts receivable within one year40/41€3k€2k▼
Trade receivables40€3k€2k▼
Other amounts receivable41-€11
Cash at bank and in hand54/58€4k€9k▲
Deferred charges and accrued income490/1€4k€4k=
Equity and liabilities
Total equity and liabilities10/49€21k€25k▲
Equity10/15€17k€23k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€-3k€3k▲
Amounts payable17/49€5k€2k▼
Amounts payable within one year42/48€5k€2k▼
Trade debts44€624€121▼
Suppliers440/4€624€121▼
Taxes, remuneration and social security45-€556
Taxes450/3-€556
Other amounts payable47/48€4k€824▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€753€540▼
Gross operating margin9900€8k€9k▲
Operating profit (loss)9901€6k€7k▲
Financial income75/76B€985€261▼
Recurring financial income75€985€261▼
Financial charges65/66B€1k€894▼
Recurring financial charges65€1k€894▼
Profit (loss) for the period before taxes9903€6k€7k▲
Profit (loss) for the period9904€6k€7k▲
Profit (loss) for the period to be appropriated9905€6k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€3k▲
Profit (loss) brought forward from the previous period14P€-10k€-3k▲
The notes to these accounts (4 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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €866 | €428 | €415 | €1k | €1k | ▲ 8.0% |
| Other operating charges640/8 | - | - | €916 | €753 | €540 | ▼ 28.3% |
| Gross operating margin9900 | €2k | €4k | €6k | €8k | €9k | ▲ 8.4% |
| Operating profit (loss)9901 | €787 | €4k | €5k | €6k | €7k | ▲ 12.7% |
| Financial income75/76B | - | €3k | €2k | €985 | €261 | ▼ 73.6% |
| Recurring financial income75 | - | €3k | €2k | €985 | €261 | ▼ 73.6% |
| Financial charges65/66B | €112 | €5k | €3k | €1k | €894 | ▼ 21.4% |
| Recurring financial charges65 | €112 | €5k | €3k | €1k | €894 | ▼ 21.4% |
| Profit (loss) for the period before taxes9903 | €675 | €2k | €4k | €6k | €7k | ▲ 5.4% |
| Profit (loss) for the period9904 | €675 | €2k | €4k | €6k | €7k | ▲ 5.4% |
| Profit (loss) for the period to be appropriated9905 | €675 | €2k | €4k | €6k | €7k | ▲ 5.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €19k | €17k | €14k | €21k | €25k | ▲ 17.1% |
| Fixed assets21/28 | €5k | €5k | €1k | €3k | €2k | ▼ 31.9% |
| Tangible fixed assets22/27 | €5k | €5k | €1k | €3k | €2k | ▼ 31.9% |
| Plant, machinery and equipment23 | - | - | - | €3k | €2k | ▼ 24.3% |
| Other tangible fixed assets26 | €2k | €1k | €1k | €623 | €208 | ▼ 66.7% |
| Assets under construction and advance payments27 | €3k | €3k | - | - | - | - |
| Current assets29/58 | €14k | €12k | €13k | €18k | €23k | ▲ 26.6% |
| Stocks and contracts in progress3 | €3k | €3k | €3k | €7k | €7k | ▲ 6.1% |
| Stocks30/36 | €3k | €3k | €3k | €7k | €7k | ▲ 6.1% |
| Amounts receivable within one year40/41 | €2k | €2k | €4k | €3k | €2k | ▼ 23.6% |
| Trade receivables40 | €2k | €2k | €3k | €3k | €2k | ▼ 24.0% |
| Other amounts receivable41 | €47 | €0 | €1k | - | €11 | - |
| Cash at bank and in hand54/58 | €6k | €4k | €5k | €4k | €9k | ▲ 121% |
| Deferred charges and accrued income490/1 | €3k | €3k | - | €4k | €4k | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €19k | €17k | €14k | €21k | €25k | ▲ 17.1% |
| Equity10/15 | €5k | €7k | €10k | €17k | €23k | ▲ 39.8% |
| Contributions10/11 | €20k | €20k | - | €20k | €20k | = |
| Capital10 | €20k | €20k | - | - | - | - |
| Issued capital100 | €20k | €20k | - | - | - | - |
| Reserves13 | - | - | €20k | - | - | - |
| Non-distributable reserves130/1 | - | - | €20k | - | - | - |
| Reserves not available under the articles1311 | - | - | €20k | - | - | - |
| Profit (loss) carried forward14 | €-15k | €-13k | €-10k | €-3k | €3k | ▲ 204% |
| Amounts payable17/49 | €14k | €10k | €3k | €5k | €2k | ▼ 66.9% |
| Amounts payable within one year42/48 | €14k | €10k | €3k | €5k | €2k | ▼ 66.9% |
| Trade debts44 | €2k | €1k | €2k | €624 | €121 | ▼ 80.7% |
| Suppliers440/4 | €2k | €1k | €2k | €624 | €121 | ▼ 80.7% |
| Taxes, remuneration and social security45 | - | €2k | €1k | - | €556 | - |
| Taxes450/3 | - | €2k | €1k | - | €556 | - |
| Other amounts payable47/48 | €13k | €7k | - | €4k | €824 | ▼ 78.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €675 | €2k | €4k | €6k | €7k | ▲ 5.4% |
| + Depreciation and write-downs630 | €866 | €428 | €415 | €1k | €1k | ▲ 8.0% |
| Operating cash flow (approximation) | €2k | €2k | €4k | €7k | €8k | ▲ 5.7% |
| Investment in fixed assets (approximation) | - | €0 | €3k | €-3k | €0 | ▲ 100% |
| Change in cash | - | €-1k | €1k | €-1k | €5k | ▲ 532% |
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
12-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €7k ▲5.4%
Operating result €7k, net result €7k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 15.02
Current ratio from 3.93 to 15.02; short-term debt falls from €5k to €2k.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 3.92
Current ratio from 1.19 to 3.92; short-term debt falls from €10k to €3k.
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 67 days late
2022
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
31-12
Financial
Weakest financial yearnet €364 ▼56.9%
Net result drops to €364, the lowest in the series; recovery starts the following year.
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 1 day late
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 10 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Kruisem
Ground area
6,379 m²
Building footprint
209 m²
Parcel 45017D1382/00F000, Flanders. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45017D1382/00F000 | Flanders | 6,379 m² | 1 · 209 m² | - |
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.
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Of 472 companies in sector 46442 we hold annual accounts for 334. 150 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
Founded26-02-2013
Fiscal year end31-12
Activities, NACEBEL 2025
46442Wholesale trade
47783Retail trade
Scores and ratios are computed by Checked and are not a credit decision.