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 24 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
ZAM Invest from Scherpenheuvel-Zichem, company number BE0821010077, closed financial year 2025 with a result of € 1.1 million after tax. For that financial year ZAM Invest recorded a gross margin of € 2 million and equity of € 2.7 million. Compared with financial year 2024, the result moved from € 48,674 to € 1.1 million. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 31, 2026.
€ 2.7 million
▲ 74% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 1.1 million
▲ € 1.1 million vs 2024
Profit after tax over the fiscal year.
€ 118,503
▲ 96% 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 € 2.4 million.
People and assets in 2025
0
Average over the fiscal year, from the social balance sheet.
Debts at end 2025
€ 4 million
▼ 24% vs 2024
€ 219,764 is repaid this year. At this pace the long-term loan is gone in ≈ 17 years.
€ 5.5 million
▲ 130% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 81,560
▲ 43% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 277,563 | € 480,806 | € 594,004 | € 1,981,205 | ▲ 234% |
| Profit after taxes | € 13,396 | € 98,422 | € 48,674 | € 1,130,417 | ▲ € 1.1 million |
| Equity | € 1,381,315 | € 1,479,737 | € 1,528,412 | € 2,658,828 | ▲ 74% |
| Total debts | € 5,171,896 | € 6,164,118 | € 7,821,109 | € 9,631,031 | ▲ 23% |
| Cash | € 100,631 | € 5,308 | € 60,447 | € 118,503 | ▲ 96% |
| Land & buildings | € 5,895,790 | € 7,148,740 | € 6,899,110 | € 5,854,983 | ▼ 15% |
| Retained profit | € 1,095,185 | € 1,193,607 | € 1,242,282 | € 2,372,698 | ▲ 91% |
| Bank debt | € 4,189,906 | € 5,446,505 | € 5,260,158 | € 4,000,537 | ▼ 24% |
| Balance sheet total | € 6,829,170 | € 7,905,953 | € 9,597,757 | € 12,806,323 | ▲ 33% |
By gross margin, ZAM Invest ranks 1st of 10 companies with main activity “Ontwikkeling van residentiële bouwprojecten” in Scherpenheuvel-Zichem that publish figures (fiscal year 2025).
Key figures of ZAM Invest, 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.
Ask about ZAM Invest the way you would ask their accountant.
Answers from the filed annual accounts, the Belgian Official Gazette and the CBE register.
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What happened to ZAM Invest?
What happened at ZAM Invest in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 1.1 million (▲ € 1.1 million vs 2024). Source: NBB ↗
- Capital increase of € 279,930, published in the Gazette. Source: Staatsblad ↗
- Incorporation, published in the Gazette. Source: Staatsblad ↗
- New establishment in Scherpenheuvel-Zichem. KBO
In short
From € 13,396 profit in 2022 to € 1.1 million profit in 2025.
Paid € 215,152 in corporate taxes since 2022.
Best year ever: 2025, with € 1.1 million profit.
Management
Behind ZAM Invest is Lioba Frederickx. Lioba Frederickx is also behind WPB.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Houwaartstraat 199
3270 Scherpenheuvel-Zichem
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
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Shareholders according to the Official Gazette deeds
Who contributed at incorporation and at capital increases, with the deed as source. Later share transfers are not published in the Gazette.
Capital increase
Source: Deed ↗- MARTENS Hugo Emilius Alphonsus(inbrenger) 93.8%
Incorporation
Source: Deed ↗- FREDERICKX Lioba Albertina Augustina(oprichter) 99%
- ZAMBUTO Geoffrey Giuseppe Emile(oprichter) 1%
Details
- Company number
- 0821.010.077
- VAT number
- BE 0821.010.077
- Registered office
- Houwaartstraat 199, 3270 Scherpenheuvel-Zichem
- Names & denominations
- ZAM Invest
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 30 November 2009
- Peppol
- Active · Active since 25 Aug 2025
- Activities · NACE
Ontwikkeling van residentiële bouwprojecten
Ontwikkeling van niet-residentiële bouwprojecten
Algemene bouw van residentiële gebouwen