ZYPPER
ActiveFinancials · financial year 2025, micro format
Annual accounts 2025 filed on 03-02-2026 at the NBB all 2 filings
Every figure per financial year
The operating result for 2025 is a profit of €1,306, after a loss of €1,705 in 2024.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Other operating charges640/8 | €387 | €595 | ▲ 53.5% |
| Gross operating margin9900 | -€1,317 | €1,900 | - |
| Operating profit (loss)9901 | -€1,705 | €1,306 | - |
| Financial income75/76B | €38 | €3 | ▼ 92.8% |
| Recurring financial income75 | €38 | €3 | ▼ 92.8% |
| Financial charges65/66B | €38 | €71 | ▲ 87.2% |
| Recurring financial charges65 | €38 | €71 | ▲ 87.2% |
| Profit (loss) for the period before taxes9903 | -€1,705 | €1,238 | - |
| Profit (loss) for the period9904 | -€1,705 | €1,238 | - |
| Profit (loss) for the period to be appropriated9905 | -€1,705 | €1,238 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €6,625 | €3,162 | ▼ 52.3% |
| Current assets29/58 | €6,625 | €3,162 | ▼ 52.3% |
| Cash at bank and in hand54/58 | €6,625 | €2,766 | ▼ 58.3% |
| Deferred charges and accrued income490/1 | - | €396 | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €6,625 | €3,162 | ▼ 52.3% |
| Equity10/15 | €795 | €2,033 | ▲ 156% |
| Contributions10/11 | €2,500 | €2,500 | = |
| Profit (loss) carried forward14 | -€1,705 | -€467 | ▲ 72.6% |
| Amounts payable17/49 | €5,830 | €1,129 | ▼ 80.6% |
| Amounts payable within one year42/48 | €5,830 | €1,129 | ▼ 80.6% |
| Financial debts43 | €4,861 | €28 | ▼ 99.4% |
| Credit institutions430/8 | €4,861 | €28 | ▼ 99.4% |
| Trade debts44 | €183 | €528 | ▲ 188% |
| Suppliers440/4 | €183 | €528 | ▲ 188% |
| Taxes, remuneration and social security45 | €786 | €574 | ▼ 27.0% |
| Taxes450/3 | €786 | €574 | ▼ 27.0% |
Historical observation
In July 2024, 39,278 companies had the same profile as ZYPPER has now. Two years later, 95.8% were still going and 1.8% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of ZYPPER itself: 0.4% within 12 months.
Test of the method
The method was tested on the 497,446 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 39,278 companies, not a prediction for ZYPPER. 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.