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 1 of the last 3 fiscal years.
-
Two loss years in a row NBB
Negative result in 2025 and 2026.
-
Tight liquidity NBB
Cash and receivables cover 6 % of short-term debt in 2026; threshold 65 %.
Financials
Financial year 2026
Z advies from Zottegem, company number BE0651848512, closed financial year 2026 with a result of € -12,141 after tax. For that financial year Z advies recorded a gross margin of € -8,734 and equity of € -5,143. Compared with financial year 2025, the result moved from € -5,841 to € -12,141. The company made a loss. 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 October 29, 2026.
€ -5,143
▼ € 12,141 vs 2025
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -12,141
▼ 108 % more loss than in 2025
Profit after tax over the fiscal year.
€ 806
▼ 60% vs 2025
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -7,643.
People and assets in 2026
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 5,615
▼ 15% vs 2025
Book value of vehicles, furniture and equipment.
Debts at end 2026
None
No bank loans on the last day of the fiscal year.
€ 9,456
▼ 59% vs 2025
Supplier invoices still open on the last day of the fiscal year.
€ 952
▼ 67% vs 2025
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2024 | 2025 | 2026 | Change 2025 → 2026 | |
|---|---|---|---|---|
| Gross margin | € -5,164 | € -251 | € -8,734 | ▼ € 8,484 |
| Profit after taxes | € 5,221 | € -5,841 | € -12,141 | ▼ € 6,300 |
| Equity | € 12,840 | € 6,999 | € -5,143 | ▼ € 12,141 |
| Total debts | € 4,170 | € 32,377 | € 22,870 | ▼ 29% |
| Cash | € 81 | € 1,993 | € 806 | ▼ 60% |
| Retained profit | € 10,340 | € 4,499 | € -7,643 | ▼ € 12,141 |
| Balance sheet total | € 17,009 | € 39,376 | € 17,727 | ▼ 55% |
Key figures of Z advies, fiscal years 2024 to 2026, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2027) expected before 31 October 2027.
What happened to Z advies?
What happened at Z advies in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2026: loss of € 12,141. Source: NBB ↗
- Tim Zwaenepoel became a director. NBB
- New establishment in Zottegem. KBO
- Start of the company according to the CBE. KBO
In short
From € 5,221 profit in 2024 to € 12,141 loss in 2026.
Paid € 481 in corporate taxes since 2024.
Best year ever: 2024, with € 5,221 profit.
Management
Behind Z advies is Tim Zwaenepoel.
Directors
According to the 2026 annual accounts
Tim Zwaenepoel
Director
since 2024
Establishments
Establishment units
Physical locations of this company
Sint-Pietersplein 3
9620 Zottegem
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Self-hosted
Hosting
GOOGLE-CLOUD-PLATFORM - Google LLC, US
Website info
Features
Security
Details
- Company number
- 0651.848.512
- VAT number
- BE 0651.848.512
- Registered office
- Sint-Pietersplein 3, 9620 Zottegem
- Names & denominations
- Z advies
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 12 April 2016
- Peppol
- Active · Active since 17 Jul 2026
- Contact
- tkibbelhof.be
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