Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
-
Tight liquidity NBB
Cash and receivables cover 38 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Z & M from Lier, company number BE0480293025, closed financial year 2025 with a result of € 540 after tax. For that financial year Z & M recorded a gross margin of € 6,155 and equity of € -1,931. Compared with financial year 2024, the result moved from € 359 to € 540. Profitable, and profit is growing. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 15, 2026.
€ -1,931
▲ € 540 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 540
▲ 51% vs 2024
Profit after tax over the fiscal year.
€ 5,925
▲ 33% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -8,131.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 15,408
▲ € 14,867 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 387
▼ 83% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 6,328 | € 6,867 | € 6,129 | € 6,155 | |
| Profit after taxes | € 243 | € 75 | € 359 | € 540 | ▲ 51% |
| Equity | € -2,904 | € -2,830 | € -2,471 | € -1,931 | ▲ € 540 |
| Total debts | € 24,943 | € 25,733 | € 23,423 | € 33,293 | ▲ 42% |
| Cash | € 979 | € 4,093 | € 4,463 | € 5,925 | ▲ 33% |
| Land & buildings | € 593 | € 379 | € 164 | - | |
| Retained profit | € -9,104 | € -9,030 | € -8,671 | € -8,131 | ▲ € 540 |
| Bank debt | € 2,187 | € 0 | € 0 | € 0 | |
| Balance sheet total | € 22,039 | € 22,903 | € 20,952 | € 31,362 | ▲ 50% |
Key figures of Z & M, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Z & M?
What happened at Z & M in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 540 (▲ 51% vs 2024). filed late Source: NBB ↗
- New establishment in Antwerpen. KBO
- Start of the company according to the CBE. KBO
In short
From € 243 profit in 2022 to € 540 profit in 2025.
Paid € 1,493 in corporate taxes since 2022.
Best year ever: 2025, with € 540 profit.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind Z & M is Zohra Handiri. Zohra Handiri is also behind STEVLO.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Herenboslaan 61
2500 Lier
Krijgslaan 318
2610 Antwerpen
Active since 2 June 2003
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0480.293.025
- VAT number
- BE 0480.293.025
- Registered office
- Herenboslaan 61, 2500 Lier
- Names & denominations
- Z & M
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 23 May 2003
- Peppol
- Active · Active since 1 Apr 2026
- Activities · NACE
Overige persoonlijke diensten
Overige diensten , n.e.g.
Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen
Schoonheidsverzorging en andere schoonheidsbehandelingen
Verhuur en lease van textiel, kleding, sieraden en schoeisel
Detailhandel in cosmetica en toiletartikelen
Overige vormen van onderwijs
Activiteiten van kuuroorden, sauna’s en stoombaden
+3