OMARZAI
ActiveSummary
OMARZAI has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14k and a net result of €-8k. Equity is shrinking by ~20.6% per year across the filed fiscal years. Its solvency ranks better than 59% of 2053 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-11
Solvency80▼-13
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.45 against 2.23 in 2024; short-term debt: 45% and cash: 65.4% of total assets), and 45% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Education (NACE 85)
about 77% fewer bankruptcies
← 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 2025Solvency, return and age of the figures
Solvency
55%
Return on assets
-30.7%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-8k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
3 d early
2023
48 d early
2022
39 d early
2021
47 d early
2020
46 d early
2019
43 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k▼ 35.8%
2024 · €22k
2018: €69k
2019: €70k▲ +1.4% vs 2018highest in 8 years
2020: €46k▼ -34.2% vs 2019
2021: €33k▼ -29.7% vs 2020
2022: €26k▼ -21.1% vs 2021
2023: €24k▼ -6.8% vs 2022
2024: €22k▼ -8.7% vs 2023
2025: €14k▼ -35.8% vs 2024lowest in 8 years
2018 → 2025
Total assets
€25k▼ 21.0%
2024 · €32k
2018: €96k
2019: €106k▲ +10.6% vs 2018highest in 8 years
2020: €70k▼ -34.1% vs 2019
2021: €60k▼ -13.9% vs 2020
2022: €58k▼ -3.9% vs 2021
2023: €34k▼ -41.0% vs 2022
2024: €32k▼ -5.1% vs 2023
2025: €25k▼ -21.0% vs 2024lowest in 8 years
2018 → 2025
Net result
€-8k▼ 275%
2024 · €-2k
2018: €6khighest in 8 years
2019: €959▼ -82.9% vs 2018
2020: €-24k▼ -2608% vs 2019lowest in 8 years
2021: €-14k▲ +43.0% vs 2020
2022: €-7k▲ +50.1% vs 2021
2023: €-2k▲ +74.6% vs 2022
2024: €-2k▼ -20.0% vs 2023
2025: €-8k▼ -275% vs 2024
2018 → 2025
Working capital
€5k▼ 59.4%
2024 · €13k
2018: €56khighest in 8 years
2019: €54k▼ -2.9% vs 2018
2020: €32k▼ -41.5% vs 2019
2021: €18k▼ -43.9% vs 2020
2022: €14k▼ -20.9% vs 2021
2023: €14k▲ +2.1% vs 2022
2024: €13k▼ -11.0% vs 2023
2025: €5k▼ -59.4% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€26k▼ 21.1%€24k▼ 6.8%€22k▼ 8.7%€14k▼ 35.8%
2021: €33khighest in 5 years
2022: €26k▼ -21.1% vs 2021
2023: €24k▼ -6.8% vs 2022
2024: €22k▼ -8.7% vs 2023
2025: €14k▼ -35.8% vs 2024lowest in 5 years
Operating result€-15k-€-7k▲ 55.1%€-1k▲ 84.1%€-1k▼ 5.6%€-6k▼ 397%
2021: €-15klowest in 5 years
2022: €-7k▲ +55.1% vs 2021
2023: €-1k▲ +84.1% vs 2022highest in 5 years
2024: €-1k▼ -5.6% vs 2023
2025: €-6k▼ -397% vs 2024
Net result€-14k-€-7k▲ 50.1%€-2k▲ 74.6%€-2k▼ 20.0%€-8k▼ 275%
2021: €-14klowest in 5 years
2022: €-7k▲ +50.1% vs 2021
2023: €-2k▲ +74.6% vs 2022highest in 5 years
2024: €-2k▼ -20.0% vs 2023
2025: €-8k▼ -275% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2025 against €1k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €25k
Fixed assets
€9k ▼ 2.3%
Current assets
€17k ▼ 28.3%
Equity and liabilities €25k
Equity
€14k ▼ 35.8%
Debt
€11k ▲ 10.1%
Debt's share of the balance-sheet total rises from 32.3% to 45.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-6k▼
2024 · €-649
Cash flow
€-8k▼
2024 · €-2k
Current ratio
1.45▼
2024 · 2.23
Debt to equity
0.82▲
2024 · 0.48
ROE
-55.8%▼
2024 · -9.6%
ROA
-30.7%▼
2024 · -6.5%
Interest coverage
-2.85▼
2024 · -0.69
Debt ≤ 1 year
€11k▲
2024 · €10k
Income taxes
€176
Staff costs
€28k▲
2024 · €17k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€32k€25k▼
Fixed assets21/28€9k€9k▼
Tangible fixed assets22/27€610€407▼
Furniture and vehicles24€610€407▼
Other tangible fixed assets26€0-
Financial fixed assets28€8k€8k=
Current assets29/58€23k€17k▼
Stocks and contracts in progress3€15k€0▼
Stocks30/36€15k€0▼
Cash at bank and in hand54/58€9k€17k▲
Equity and liabilities
Total equity and liabilities10/49€32k€25k▼
Equity10/15€22k€14k▼
Contributions10/11€19k€19k=
Reserves13€3k€2k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€1k€0▼
Profit (loss) carried forward14-€-6k
Amounts payable17/49€10k€11k▲
Amounts payable within one year42/48€10k€11k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€2k€449▼
Suppliers440/4€2k€449▼
Taxes, remuneration and social security45€8k€11k▲
Taxes450/3€6k€8k▲
Remuneration and social security454/9€2k€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€17k€28k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€501€203▼
Other operating charges640/8€10k€1k▼
Gross operating margin9900€26k€23k▼
Operating profit (loss)9901€-1k€-6k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€938€2k▲
Recurring financial charges65€938€2k▲
Profit (loss) for the period before taxes9903€-2k€-8k▼
Income taxes67/77-€176
Profit (loss) for the period9904€-2k€-8k▼
Profit (loss) for the period to be appropriated9905€-2k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-8k▼
Transfer from equity791/2€2k€1k▼
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €24k | €15k | €16k | €17k | €28k | ▲ 64.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5k | €5k | €4k | €501 | €203 | ▼ 59.4% |
| Other operating charges640/8 | €5k | €10k | €3k | €10k | €1k | ▼ 85.6% |
| Gross operating margin9900 | €19k | €24k | €22k | €26k | €23k | ▼ 9.8% |
| Operating profit (loss)9901 | €-15k | €-7k | €-1k | €-1k | €-6k | ▼ 397% |
| Financial income75/76B | €2k | €1k | €0 | €0 | - | - |
| Recurring financial income75 | €2k | €1k | €0 | €0 | - | - |
| Financial charges65/66B | €325 | €1k | €651 | €938 | €2k | ▲ 106% |
| Recurring financial charges65 | €325 | €1k | €651 | €938 | €2k | ▲ 106% |
| Profit (loss) for the period before taxes9903 | €-14k | €-7k | €-2k | €-2k | €-8k | ▼ 266% |
| Income taxes67/77 | - | - | - | - | €176 | - |
| Profit (loss) for the period9904 | €-14k | €-7k | €-2k | €-2k | €-8k | ▼ 275% |
| Profit (loss) for the period to be appropriated9905 | €-14k | €-7k | €-2k | €-2k | €-8k | ▼ 275% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €60k | €58k | €34k | €32k | €25k | ▼ 21.0% |
| Fixed assets21/28 | €18k | €12k | €10k | €9k | €9k | ▼ 2.3% |
| Tangible fixed assets22/27 | €9k | €4k | €1k | €610 | €407 | ▼ 33.3% |
| Plant, machinery and equipment23 | €1k | €603 | - | - | - | - |
| Furniture and vehicles24 | €7k | €3k | €940 | €610 | €407 | ▼ 33.3% |
| Other tangible fixed assets26 | €643 | €342 | €171 | €0 | - | - |
| Financial fixed assets28 | €8k | €8k | €8k | €8k | €8k | = |
| Current assets29/58 | €42k | €45k | €24k | €23k | €17k | ▼ 28.3% |
| Stocks and contracts in progress3 | €9k | €9k | €9k | €15k | €0 | ▼ 100% |
| Stocks30/36 | €9k | €9k | €9k | €15k | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €17k | €22k | - | - | - | - |
| Trade receivables40 | - | €4k | - | - | - | - |
| Other amounts receivable41 | €17k | €19k | - | - | - | - |
| Cash at bank and in hand54/58 | €16k | €14k | €16k | €9k | €17k | ▲ 92.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €60k | €58k | €34k | €32k | €25k | ▼ 21.0% |
| Equity10/15 | €33k | €26k | €24k | €22k | €14k | ▼ 35.8% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €14k | €7k | €5k | €3k | €2k | ▼ 42.7% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €12k | €5k | €3k | €1k | €0 | ▼ 100% |
| Profit (loss) carried forward14 | - | - | - | - | €-6k | - |
| Amounts payable17/49 | €27k | €32k | €10k | €10k | €11k | ▲ 10.1% |
| Amounts payable after more than one year17 | €3k | €946 | - | - | - | - |
| Financial debts170/4 | €3k | €946 | - | - | - | - |
| Amounts payable within one year42/48 | €24k | €31k | €10k | €10k | €11k | ▲ 10.1% |
| Current portion of amounts payable after more than one year42 | €3k | €3k | €946 | €0 | - | - |
| Trade debts44 | €565 | €13k | €1k | €2k | €449 | ▼ 80.6% |
| Suppliers440/4 | €565 | €13k | €1k | €2k | €449 | ▼ 80.6% |
| Taxes, remuneration and social security45 | €21k | €16k | €8k | €8k | €11k | ▲ 36.0% |
| Taxes450/3 | €17k | €10k | €6k | €6k | €8k | ▲ 47.8% |
| Remuneration and social security454/9 | €4k | €5k | €2k | €2k | €3k | ▲ 8.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-14k | €-7k | €-2k | €-2k | €-8k | ▼ 275% |
| + Depreciation and write-downs630 | €5k | €5k | €4k | €501 | €203 | ▼ 59.4% |
| Operating cash flow (approximation) | €-9k | €-2k | €2k | €-2k | €-8k | ▼ 380% |
| Investment in fixed assets (approximation) | - | €0 | €-1k | €0 | €0 | - |
| Change in cash | - | €-2k | €1k | €-7k | €8k | ▲ 217% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-24k
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 7 days late
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Antwerpen · 1 establishment unit since 2011
Ground area
404 m²
Building footprint
329 m²
Volume, LiDAR
7,774 m³
Parcel 11808H0947/00C000, Flanders · tallest building 26.9 m, ±8 floors. Linked by address, not a title deed.
8
companies at this address
See who is registered here
1 establishment unit
Carnotstraat 37, 2060 Antwerpen
since 20112.197.916.664
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H0947/00C000 | Flanders | 404 m² | 1 · 329 m² | 26.9 m · 8 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,038 companies in sector 85531 we hold annual accounts for 347. 227 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-03-2011
Fiscal year end31-12
Activities, NACEBEL 2025
85531Driving schools for cars and motorcycles
Scores and ratios are computed by Checked and are not a credit decision.