Company data from Slovak public registers

Andromia Insight

Z + M Finance SK, spol. s r. o.

Company financial profile・Company ID 36845566・Pribinova 13, 02201 Čadca・Founded 2007

Financial reportFinancial statements
Active

Turnover 2025

205 K €

+16 %
Company ID
36845566
Tax ID
2022473695
VAT ID
SK2022473695, under §4, registered since Sunday, November 25, 2007
Registered office
Z + M Finance SK, spol. s r. o.Pribinova 13 02201 Čadca
Established
Wednesday, October 10, 2007
Legal form
Spoločnosť s ručením obmedzeným
Registered in
Obchodný registerOkresný súd Žilina, Sro/52772/L

Profit 2025

2,867 €

+130 %Net profit after tax

Assets

69 K €

+43 %Total assets, stated excl. VAT

Equity

23 K €

+14 %Assets less external liabilities

Debt ratio

67.1 %

+8.1 ppLiabilities / total assets

Gross margin

54.1 %

+13 ppGross profit / sales
Coming soon

Andromia score

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Profit

+130 %
8,931 €1,370 €8 €1,031 €−489 €438 €4,811 €−16 K €−3,625 €540 €−9,507 €2,867 €20142015201620172018201920202021202220232024202520148,931 €20151,370 €20168 €20171,031 €2018−489 €2019438 €20204,811 €2021−16 K €2022−3,625 €2023540 €2024−9,507 €20252,867 €

Profit after tax as reported in each year's financial statements. A negative value is a loss.

Revenue

+18 %
170 K €150 K €119 K €149 K €127 K €125 K €981 K €1.1 M €1.03 M €285 K €144 K €169 K €2014201520162017201820192020202120222023202420252014170 K €2015150 K €2016119 K €2017149 K €2018127 K €2019125 K €2020981 K €20211.1 M €20221.03 M €2023285 K €2024144 K €2025169 K €

Sales of products, services and goods, i.e. income from the company's core business, without other revenue.

Income tax

Tax liability trend

2,519 €960 €960 €960 €619 €0 €1,438 €0 €0 €0 €0 €0 €201420152016201720182019202020212022202320242025Total tax · 20142,519 €Total tax · 2015960 €Total tax · 2016960 €Total tax · 2017960 €Total tax · 2018619 €Total tax · 20190 €Total tax · 20201,438 €Total tax · 20210 €Total tax · 20220 €Total tax · 20230 €Total tax · 20240 €Total tax · 20250 €Current tax · 20142,519 €

Total tax is the income tax reported in the income statement. Payable tax is the part the company pays to the state for that year.

Financial indicators

Calculated from accounting statements using standard financial formulas.

Net margin

1.4 %

+6.8 pp

Profit / revenue

Profit margin

1.7 %

+8.3 pp

Profit / sales

ROA

4.2 %

+24 pp

Return on assets

ROE

12.6 %

+60 pp

Return on equity

Return on costs

1.4 %

+6.5 pp

Profit / (revenue − profit)

Added value to revenue

44.6 %

+12 pp

Added value / revenue

Earnings before tax

2,867 €

+130 %

Profit + income tax

Effective tax

0.0 %

Income tax / earnings before tax

Total revenue

Sales + other operating + financial income

191 K €2014177 K €2015150 K €2016172 K €2017166 K €2018159 K €20191.01 M €20201.12 M €20211.06 M €2022319 K €2023176 K €2024205 K €2025

All of the company's revenue for the year. Unlike sales, it also includes asset sales, financial and other revenue.

Income statement

Item2022202320242025
Sales of products, services and goods1.03 M €285 K €144 K €169 K €
Value added57 K €63 K €58 K €92 K €
Operating revenue1.06 M €319 K €176 K €205 K €
Profit after tax−3,625 €540 €−9,507 €2,867 €
Income tax0 €0 €0 €0 €

Revenue, costs and profit for each year, from the published financial statements.

Non-profit resources and costs

Item2022202320242025
Personnel costs94 K €96 K €101 K €124 K €

The main activity is untaxed, the business activity taxed. Figures from the published financial statements.

Assetsexcl. VAT

  • Non-current assets364 €
  • Current assets69 K €

What the company holds at year end: non-current and current assets, stated excl. VAT.

Liabilities and equity

  • Equity23 K €
  • Liabilities46 K €

How those assets are financed: equity and external liabilities. Equity and liabilities always equal assets.

Balance sheet

Assets (excl. VAT)

Item2022202320242025
Total assets53 K €44 K €48 K €69 K €
Non-current assets492 €492 €364 €364 €
Property, plant and equipment492 €492 €364 €364 €
Non-current intangible assets0 €0 €0 €0 €
Non-current financial assets0 €0 €0 €0 €
Current assets53 K €43 K €48 K €69 K €
Inventory14 K €13 K €13 K €15 K €
Non-current receivables0 €0 €0 €0 €
Current receivables25 K €18 K €24 K €38 K €
Financial accounts13 K €12 K €11 K €15 K €

Liabilities and equity

Item2022202320242025
Total equity and liabilities53 K €44 K €48 K €69 K €
Equity29 K €29 K €20 K €23 K €
Share capital6,639 €6,639 €6,639 €6,639 €
Profit/loss of previous years25 K €22 K €22 K €13 K €
Profit/loss for the accounting period after tax−3,625 €540 €−9,507 €2,867 €
Liabilities24 K €14 K €29 K €46 K €
Non-current liabilities767 €901 €1,086 €1,136 €
Current liabilities20 K €12 K €27 K €45 K €
Long-term bank loans0 €0 €0 €0 €
Short-term bank loans0 €0 €0 €0 €
Provisions3,690 €2,000 €0 €0 €

Assets and how they are financed at the end of each year. Assets are stated excl. VAT.

Company reliability

  • The entity is listed as an unreliable VAT payerNo
  • Former unreliable VAT payerNo
  • Excess VAT deductionLatest taxable period0526Excess deduction for the period0 €Tax liability for the period2,224.81 €No
  • Tax reliability indexReliable
  • Tax debtNo
  • State receivablesNo
  • State court receivablesNo
  • Debt with VšZPNo
  • Debt with UnionNo
  • Debt with Social Insurance AgencyNo

Central Register of Contracts

Contract count24
Total amount377,644.15 €
Counterparties8
Latest contractMonday, February 2, 2026

includes 5 records with amendments and cancelled contracts

Largest partners

View all

Recent contracts

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Zdroj: Centrálny register zmlúv (www.crz.gov.sk), Úrad vlády SR, licencia CC BY 4.0

Business activities

14 registered activities

  • faktoring a forfaiting,Valid from Wednesday, June 4, 2008
  • leasingová činnosť v rozsahu voľnej živnosti,Valid from Wednesday, June 4, 2008
  • poskytovanie úverov zo zdrojov, na ktoré sa nevyžaduje povolenie banky,Valid from Wednesday, June 4, 2008
  • kopírovacie práce,Valid from Wednesday, October 10, 2007
  • kúpa tovaru na účely jeho predaja iným prevádzakovateľom živnosti (veľkoobchod),Valid from Wednesday, October 10, 2007
  • kúpa tovaru na účely jeho predaja konečnému spotrebiteľovi (maloobchod),Valid from Wednesday, October 10, 2007
  • marketingová činnosť,Valid from Wednesday, October 10, 2007
  • opravy kancelárskych strojov v rozsahu bezpečného napätia (servis tlačiarní a kopírovacích strojov),Valid from Wednesday, October 10, 2007
  • prenájom hnuteľných vecí v rozsahu voľnej živnosti,Valid from Wednesday, October 10, 2007
  • prieskum trhu a verejnej mienky,Valid from Wednesday, October 10, 2007

Statutory bodies and related persons

Statutory body

2 active of 4
  • Peter HoláčikActive
    Konateľfrom Monday, March 3, 2025

    Address Snežnica 194, 02332 Snežnica, Slovenská republika

  • Dávid ŠevčíkActive
    Konateľfrom Wednesday, October 10, 2007

    Address Na výsluní 1392, 73934 Šenov, Česká republika

  • David ŠevčíkEnded
    KonateľWednesday, October 10, 2007 – Wednesday, June 28, 2017

    Address Na výsluní 1392, 73934 Šenov, Česká republika

  • Radim KopecEnded
    KonateľWednesday, October 10, 2007 – Wednesday, November 21, 2012

    Address Na výsluní 1347, 73934 Šenov, Česká republika

Related persons

1 active of 4
  • Z + M PROPERTY a.s.Active
    Spoločník v.o.s. / s.r.o.from Wednesday, November 16, 2011

    Address Valchařská 3261/17, 70200 Ostrava, Česká republika

    Share100 %Contribution6,639 EUR
  • Z + M servis, spol. s r.o.Ended
    Spoločník v.o.s. / s.r.o.Tuesday, February 16, 2010 – Tuesday, November 15, 2011

    Address Valchařská 3261/17, 70200 Ostrava, Česká republika

    Share100 %Contribution6,639 EUR
  • Ing. Kateřina ProchorentováEnded
    ProkuristaWednesday, April 30, 2008 – Thursday, March 10, 2011

    Address Guty 16E, 73955 Třinec, Česká republika

  • Z + M servis, spol. s r.o.Ended
    Spoločník v.o.s. / s.r.o.Wednesday, October 10, 2007 – Monday, February 15, 2010

    Address Valchařská 3261/17, 70200 Ostrava, Česká republika

    Share100 %Contribution200,000 SKK

Company history

4 changes in the register

  • Names

    2 records
    • Z + M Finance SK, spol. s r. o.from Wednesday, April 30, 2008
    • Z + M servis, spol. s r.o.Wednesday, October 10, 2007 – Tuesday, April 29, 2008

  • Registered office

    4 records
    • Pribinova 13, 02201 Čadca, Slovenská republikafrom Thursday, January 16, 2014
    • Horelica 489, 02201 Čadca, Slovenská republikaFriday, September 17, 2010 – Wednesday, January 15, 2014
    • Ul. SNP 2923/21, 02201 Čadca, Slovenská republikaFriday, February 19, 2010 – Thursday, September 16, 2010
    • Zámocká 30, 81101 Bratislava, Slovenská republikaWednesday, October 10, 2007 – Thursday, February 18, 2010

Registration

Registered in Business Register

Register
Obchodný register
Registration court
Okresný súd Žilina
Registration number
Sro/52772/L
Main activity
Veľkoobchod so zariadeniami pre informatiku a komunikácie – IKT
Sector (ESA 2010)
Nefinančné korporácie pod zahraničnou kontrolou
Tax registration
Active
VAT registration
Active

Legal facts

4 entries from the business register

  • Friday, February 19, 2010Rozhodnutie jediného spoločníka zo dňa 7.12.2009 - zmena sídla.
  • Wednesday, June 4, 2008Rozhodnutie jediného spoločníka zo dňa 15.5.2008.
  • Wednesday, April 30, 2008Rozhodnutie jediného spoločníka zo dňa 21.4.2008 a 22.4.2008 o zmene obchodného mena z Z + M servis, spol. s r.o. na nové Z + M Finance SK, spol. s r.o..
  • Wednesday, October 10, 2007Spoločnosť bola založená spoločenskou zmluvou dňa 13.09.2007 v zmysle príslušných ustanovení z.č. 513/1991 Zb. Obchodný zákonník.
Z + M Finance SK, spol. s r. o.

Registered office

Z + M Finance SK, spol. s r. o.

Pribinova 13, 02201 Čadca

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