Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 1 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
ZARO IMMO from Charleroi, company number BE0666755432, closed financial year 2025 with a result of € -32,468 after tax. For that financial year ZARO IMMO recorded revenue of € 60,837 and equity of € 14,942. Compared with financial year 2024, the result moved from € -26,373 to € -32,468. The company made a loss. The buffer shrank hard: equity is 68 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 27, 2026.
€ 14,942
▼ 68% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -32,468
▼ 23 % more loss than in 2024
Profit after tax over the fiscal year.
€ 4,888
▲ 47% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -3,658.
Debts at end 2025
€ 653,780
▼ 4% vs 2024
€ 32,197 is repaid this year. At this pace the long-term loan is gone in ≈ 20 years.
€ 7,803
▲ € 6,894 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 2,500
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 | |
|---|---|---|---|---|---|
| Revenue | € 12,572 | € 15,593 | € 31,314 | € 60,837 | ▲ 94% |
| Gross margin | € 4,896 | € 5,837 | € 11,623 | € 30,433 | ▲ 162% |
| Profit after taxes | € -18,952 | € 75,315 | € -26,373 | € -32,468 | ▼ € 6,095 |
| Equity | € -1,533 | € 73,782 | € 47,409 | € 14,942 | ▼ 68% |
| Total debts | € 204,302 | € 914,081 | € 1,382,396 | € 1,386,035 | |
| Cash | € 38,353 | € 13,874 | € 3,326 | € 4,888 | ▲ 47% |
| Land & buildings | € 94,417 | € 82,917 | € 512,349 | € 489,374 | ▼ 4% |
| Retained profit | € -20,133 | € 55,182 | € 28,809 | € -3,658 | ▼ € 32,468 |
| Bank debt | € 78,417 | € 153,388 | € 679,689 | € 653,780 | ▼ 4% |
| Balance sheet total | € 202,769 | € 987,863 | € 1,429,805 | € 1,400,977 | ▼ 2% |
Key figures of ZARO IMMO, 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 ZARO IMMO?
What happened at ZARO IMMO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 32,468. Source: NBB ↗
- Maxence Robert became a director. NBB
- Fabio Zambito became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 18,952 loss in 2022 to € 32,468 loss in 2025.
Best year ever: 2023, with € 75,315 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 ZARO IMMO are Maxence Robert and Fabio Zambito.
Directors
According to the 2025 annual accounts
Maxence Robert
Director
since 2016
Fabio Zambito
Director
since 2016
Establishments
Establishment units
Physical locations of this company
Chaussée de Fleurus 391
6060 Charleroi
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0666.755.432
- VAT number
- BE 0666.755.432
- Registered office
- Chaussée de Fleurus 391, 6060 Charleroi
- Names & denominations
- ZARO IMMO
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 29 November 2016
- Peppol
- Active · Active since 5 Jan 2026
- Activities · NACE
Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen