OZCAR
ActiveOZCAR has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €131k and a net result of €5k. Equity is growing by ~33.3% per year across the filed fiscal years. Its solvency ranks better than 84% of 2526 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-2
Solvency100▲+11
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 3.56 against 1.95 in 2024; short-term debt: 23.4% and cash: 11.9% of total assets), and 23.4% 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.
−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 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
76.6%
Return on assets
3.1%
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
61 d late
2022
32 d late
2021
58 d early
2020
31 d late
2019
7 d late
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€131k▲ 4.2%
2024 · €125k
2018: €29k
2019: €37k
2020: €40k
2021: €40k
2022: €51k
2023: €103k
2024: €125k
2018 → 2025
Total assets
€170k▼ 13.2%
2024 · €196k
2018: €83k
2019: €111k
2020: €129k
2021: €82k
2022: €95k
2023: €173k
2024: €196k
2018 → 2025
Net result
€5k▼ 49.3%
2024 · €10k
2018: €6k
2019: €8k
2020: €3k
2021: €407
2022: €11k
2023: €51k
2024: €10k
2018 → 2025
Working capital
€102k▲ 51.5%
2024 · €67k
2018: €29k
2019: €28k
2020: €33k
2021: €36k
2022: €49k
2023: €31k
2024: €67k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€51k▲ 28.1%€103k▲ 100%€125k▲ 22.1%€131k▲ 4.2%
Operating result€1k-€14k▲ 1,185%€72k▲ 413%€17k▼ 76.9%€8k▼ 53.9%
Net result€407-€11k▲ 2,663%€51k▲ 357%€10k▼ 80.0%€5k▼ 49.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 54% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €170k
Fixed assets
€29k▼ 50.7%
Current assets
€142k▲ 2.6%
Equity and liabilities €170k
Equity
€131k▲ 4.2%
Debt
€40k▼ 43.8%
The debt ratio falls from 36.1% to 23.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€39k▼
2024 · €46k
Cash flow
€36k▼
2024 · €40k
Solvency
76.6%▲
2024 · 63.9%
Current ratio
3.56▲
2024 · 1.95
Quick ratio
3.09▲
2024 · 1.76
Debt / equity
0.30▼
2024 · 0.57
ROE
4.0%▼
2024 · 8.2%
ROA
3.1%▼
2024 · 5.2%
Interest coverage
21.02▲
2024 · 13.36
Debt
€40k▼
2024 · €71k
Debt ≤ 1 year
€40k▼
2024 · €71k
Income taxes
€1k▼
2024 · €3k
Staff costs
€58k▲
2024 · €28k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€196k€170k▼
Fixed assets21/28€58k€29k▼
Tangible fixed assets22/27€58k€28k▼
Plant, machinery and equipment23€40k€20k▼
Furniture and vehicles24€18k€8k▼
Financial fixed assets28€135€135=
Current assets29/58€138k€142k▲
Stocks and contracts in progress3€14k€19k▲
Stocks30/36€14k€19k▲
Amounts receivable within one year40/41€85k€102k▲
Trade receivables40€85k€81k▼
Other amounts receivable41-€21k
Cash at bank and in hand54/58€39k€20k▼
Deferred charges and accrued income490/1€491€501▲
Equity and liabilities
Total equity and liabilities10/49€196k€170k▼
Equity10/15€125k€131k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€105k€110k▲
Amounts payable17/49€71k€40k▼
Amounts payable within one year42/48€71k€40k▼
Current portion of amounts payable after more than one year42€2k€2k▲
Financial debts43€1k€5k▲
Credit institutions430/8€1k€5k▲
Trade debts44€9k€13k▲
Suppliers440/4€9k€13k▲
Taxes, remuneration and social security45€53k€20k▼
Taxes450/3€27k€20k▼
Remuneration and social security454/9€26k-
Other amounts payable47/48€6k-
Income statement
Code20242025
Remuneration, social security and pensions62€28k€58k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€31k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€8k-
Other operating charges640/8€4k€3k▼
Gross operating margin9900€86k€100k▲
Operating profit (loss)9901€17k€8k▼
Financial income75/76B€0€522▲
Recurring financial income75€0€522▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€13k€6k▼
Income taxes67/77€3k€1k▼
Profit (loss) for the period9904€10k€5k▼
Profit (loss) for the period to be appropriated9905€10k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€105k€110k▲
Profit (loss) brought forward from the previous period14P€95k€105k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Highest result since 2018net €51k ▲357%
Operating result €72k, net result €51k, both a record.
31-12
Financial
Equity above €100kEq €103k ▲100%
6 profitable years in a row build equity to €103k.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
03-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €407 ▼85%
Net result drops to €407, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
07-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 7 days late
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Evergem · 2 establishment units since 2013
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.
Doornzele Dries 799940 EvergemGround area
1,082 m²
Building footprint
225 m²
Volume, LiDAR
1,438 m³
2 parcels, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
OZCAR
since 20132.215.497.222
OZCAR
since 20252.373.759.155
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44019A0651/00K002 | Flanders | 574 m² | 1 · 125 m² | 9.3 m · 2 fl. |
| 44074A0516/00R003 | Flanders | 508 m² | 1 · 99 m² | 9.9 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Dual-learning approval
4 live approvals · 1 endedOnderhoudsmecanicien personenwagens en lichte bedrijfsvoertuigen (vwo)
Onderhoudsmecanicien personenwagens en lichte bedrijfsvoertuigen (vwo)
Onderhoudsmechanica auto duaal (so)
Onderhoudsmechanica auto duaal (so)
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Of 492 companies in sector 95312 we hold annual accounts for 262. 193 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded20-12-2012
Fiscal year end31-12
Activities, NACEBEL
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.