OMAR ZARIF
ActiveThe computed 12-month bankruptcy probability of OMAR ZARIF is 10.8% (high). The 2024 annual accounts show equity of €7k and a net result of €4k. Its solvency ranks better than 31% of 6714 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Checked score
Score 2024
Axes
Profitability100
Solvency12
Growth-
Stability59
Bankruptcy probability, 12 months
10.8%
High
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.48), and 81.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
18.6%
Return on assets
10.8%
Age of the figures
20 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-01-2026, 166 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 1 filingDeviation from the deadline
2024
166 d late
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
Financials · fiscal year 2024, micro schema
Equity
€7k
Total assets
€39k
Net result
€4k
Working capital
€-16k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €39k
Fixed assets
€24k
Current assets
€15k
Equity and liabilities €39k
Equity
€7k
Debt
€31k
Debt finances 81.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€11k
Cash flow
€10k
Solvency
18.6%
Current ratio
0.48
Quick ratio
0.48
Debt / equity
4.39
ROE
58.1%
ROA
10.8%
Interest coverage
279.76
Debt
€31k
Debt ≤ 1 year
€31k
Income taxes
€1k
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€39k
Fixed assets21/28€24k
Tangible fixed assets22/27€24k
Furniture and vehicles24€24k
Current assets29/58€15k
Amounts receivable within one year40/41€13k
Trade receivables40€11k
Other amounts receivable41€2k
Cash at bank and in hand54/58€1k
Equity and liabilities
Total equity and liabilities10/49€39k
Equity10/15€7k
Contributions10/11€3k
Capital10€3k
Issued capital100€3k
Profit (loss) carried forward14€4k
Amounts payable17/49€31k
Amounts payable within one year42/48€31k
Trade debts44€11k
Suppliers440/4€11k
Taxes, remuneration and social security45€1k
Taxes450/3€1k
Other amounts payable47/48€19k
Income statement
Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k
Other operating charges640/8€2k
Gross operating margin9900€13k
Operating profit (loss)9901€5k
Financial charges65/66B€40
Recurring financial charges65€40
Profit (loss) for the period before taxes9903€5k
Income taxes67/77€1k
Profit (loss) for the period9904€4k
Profit (loss) for the period to be appropriated9905€4k
Appropriation of the result
Profit (loss) to be appropriated9906€4k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
13-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 166 days late
2025
12-05
KBO administration
Address struck
SignalNBB filing
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sint-Truiden · 1 establishment unit since 2024
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Kazernestraat 123800 Sint-TruidenGround area
1,832 m²
Building footprint
869 m²
Volume, LiDAR
8,652 m³
Parcel 71053H0743/00H000, Flanders · tallest building 19.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OMAR ZARIF
since 20242.358.987.342
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71053H0743/00H000 | Flanders | 1,832 m² | 1 · 869 m² | 19.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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BOUW COMPANY
BE 0661.862.969
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BE 0805.105.839
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NOUNI FAMILY
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Of 6,627 companies in sector 49330 we hold annual accounts for 2,256. 1,833 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-04-2024
Fiscal year end31-12
Activities, NACEBEL
49320Non-scheduled passenger transport by road
49330On-demand passenger transport by chauffeured vehicle
49390Land transport and transport via pipelines
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:mezouarconsulting@gmail.com
Phone:0488616102