Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 59 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Zoë & Zita from Heist-op-den-Berg, company number BE0700781151, closed financial year 2025 with a result of € 130,427 after tax. For that financial year Zoë & Zita recorded a gross margin of € 385,822 and equity of € 18,600. Compared with financial year 2024, the result moved from € 123,390 to € 130,427. Profitable, and profit is growing. The buffer shrank hard: equity is 87 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on March 12, 2026.
€ 18,600
▼ 87% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 130,427
▲ 6% vs 2024
Profit after tax over the fiscal year.
€ 255,724
▲ 70% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 253,817 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
€ 133,818
▲ 29% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 3,050
▲ 33% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 401,810
▼ 8% vs 2024
€ 35,404 is repaid this year. At this pace the long-term loan is gone in ≈ 11 years.
€ 5,695
▼ 71% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 39,286
▲ 86% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 211,365 | € 242,349 | € 344,966 | € 385,822 | ▲ 12% |
| Profit after taxes | € 149,264 | € 82,107 | € 123,390 | € 130,427 | ▲ 6% |
| Equity | € 192,833 | € 174,940 | € 141,990 | € 18,600 | ▼ 87% |
| Total debts | € 538,377 | € 674,619 | € 682,548 | € 866,678 | ▲ 27% |
| Cash | € 192,854 | € 71,814 | € 150,046 | € 255,724 | ▲ 70% |
| Land & buildings | € 219,345 | € 204,193 | € 189,041 | € 173,888 | ▼ 8% |
| Retained profit | € 174,233 | € 156,340 | € 123,390 | € 0 | ▼ 100% |
| Dividend | € 0 | € 100,000 | € 156,340 | € 253,817 | ▲ 62% |
| Bank debt | € 477,933 | € 499,156 | € 436,046 | € 401,810 | ▼ 8% |
| Balance sheet total | € 731,210 | € 849,558 | € 824,538 | € 885,278 | ▲ 7% |
Key figures of Zoë & Zita, 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 Zoë & Zita?
What happened at Zoë & Zita in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 130,427 (▲ 6% vs 2024). Source: NBB ↗
- New establishment in Heist-op-den-Berg. KBO
- Start of the company according to the CBE. KBO
In short
From € 149,264 profit in 2022 to € 130,427 profit in 2025.
Paid € 103,431 in corporate taxes since 2022.
Best year ever: 2022, with € 149,264 profit.
Paid out € 510,157 in dividends to the owners in total.
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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 Zoë & Zita are Alexander Kerschaever, Yordi Van Dessel, Zoe Kerschaever and Ingrid Aertgeerts.
Directors
According to the 2025 annual accounts
Alexander Kerschaever
Director
Yordi Van Dessel
Director
Zoe Kerschaever
Director
Ingrid Aertgeerts
Director
Establishments
Establishment units
Physical locations of this company
Bergstraat 101
2220 Heist-op-den-Berg
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0700.781.151
- VAT number
- BE 0700.781.151
- Registered office
- Bergstraat 101, 2220 Heist-op-den-Berg
- Names & denominations
- Zoë & Zita
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 9 August 2018
- Peppol
- Active · Active since 13 Dec 2024
- Activities · NACE
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