Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 30 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
S & ZI from Genk, company number BE0895496773, closed financial year 2025 with a result of € -5,981 after tax. For that financial year S & ZI recorded a gross margin of € 171,247 and equity of € 86,166. Compared with financial year 2024, the result moved from € 36,699 to € -5,981. The company made a loss. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on January 30, 2026.
€ 86,166
▼ 6% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -5,981
▼ still € 36,699 profit in 2024
Profit after tax over the fiscal year.
€ 3,784
▼ 50% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -18,834.
People and assets in 2025
2.5
▲ 0.7 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 87,266
▲ 16% vs 2024
€ 34,900 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 6,279
▼ 31% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 443,938
▼ 11% vs 2024
€ 81,982 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 86,944
▲ 109% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 15,588
▲ 22% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 166,242 | € 191,516 | € 199,649 | € 171,247 | ▼ 14% |
| Profit after taxes | € 49,319 | € 44,064 | € 36,699 | € -5,981 | ▼ € 42,680 |
| Equity | € 11,383 | € 55,448 | € 92,147 | € 86,166 | ▼ 6% |
| Total debts | € 880,006 | € 767,778 | € 678,787 | € 650,849 | ▼ 4% |
| Cash | € 3,589 | € 14,054 | € 7,502 | € 3,784 | ▼ 50% |
| Land & buildings | € 756,857 | € 704,017 | € 667,149 | € 613,316 | ▼ 8% |
| Retained profit | € -93,617 | € -49,552 | € -12,853 | € -18,834 | ▼ € 5,981 |
| Bank debt | € 562,550 | € 519,341 | € 498,609 | € 443,938 | ▼ 11% |
| Balance sheet total | € 891,389 | € 823,225 | € 770,934 | € 737,015 | ▼ 4% |
| Employees (FTE) | 1.8 | 1.8 | 1.8 | 2.5 | ▲ 0.7 |
Key figures of S & ZI, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to S & ZI?
What happened at S & ZI in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 5,981 (▼ € 42,680 vs 2024). Source: NBB ↗
- Volumio became a director. NBB
- New establishment in Genk. KBO
- Start of the company according to the CBE. KBO
In short
From € 49,319 profit in 2022 to € 5,981 loss in 2025.
Paid € 11 in corporate taxes since 2022.
Best year ever: 2022, with € 49,319 profit.
On average € 68,500 of value added per employee in 2025.
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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 S & ZI is Volumio. The shares are held by Bart Ivo Jansen and Volumio.
Establishments
Establishment units
Physical locations of this company
Melbergstraat 16
3600 Genk
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
LEVEL27-AS * Please direct all complaints to [email protected] *, BE
Website info
Features
Security
Details
- Company number
- 0895.496.773
- VAT number
- BE 0895.496.773
- Registered office
- Melbergstraat 16, 3600 Genk
- Names & denominations
- S & ZI
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 30 January 2008
- Peppol
- Active · Active since 30 Aug 2023
- Contact
- essenzi.be
- Activities · NACE
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