ÖZER
ActiveSummary
The computed 12-month bankruptcy probability of ÖZER is 3.3% (moderate). The 2025 annual accounts show equity of €93,547 and a net result of €20,318. Equity is shrinking by ~12.6% per year across the filed fiscal years. Its solvency ranks better than 52% of 13604 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability78▲+18
Solvency58▼-13
Growth32=
Track record100
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,500 at 30 days acceptable
Liquidity tight (current ratio 1.24 against 1.4 in 2024; short-term debt: 60.4% and cash: 2% of total assets), and 67% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
33%
Return on assets
7.2%
Age of the figures
15 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year €93,547
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 11-02-2026, 11 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 · 5 filingsDeviation from the deadline
2025
11 d late
2024
7 d late
2023
8 d early
2022
10 d late
2021
29 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 10 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 10 February (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
Equity
€93,547▲ 27.7%
2024 · €73,230
Total assets
€283,404▲ 79.1%
2024 · €158,198
Net result
€20,318
2024 · -€11,615
Working capital
€41,655▲ 22.2%
2024 · €34,091
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€139,286-€32,518▼ 76.7%-€52,527-€12,268▲ 76.6%€18,675
Net result€112,160above the sector's middle half-€24,873above the sector's middle half▼ 77.8%-€52,588below the sector's middle half-€11,615below the sector's middle half▲ 77.9%€20,318within the sector's middle half
Equity€112,560above the sector's middle half-€137,433above the sector's middle half▲ 22.1%€84,844above the sector's middle half▼ 38.3%€73,230within the sector's middle half▼ 13.7%€93,547above the sector's middle half▲ 27.7%
Total assets€170,250within the sector's middle half-€238,409above the sector's middle half▲ 40.0%€108,971within the sector's middle half▼ 54.3%€158,198within the sector's middle half▲ 45.2%€283,404above the sector's middle half▲ 79.1%
Debt€57,690-€100,976▲ 75.0%€24,127▼ 76.1%€84,968▲ 252%€189,857▲ 123%
Working capital€29,602within the sector's middle half-€72,037above the sector's middle half▲ 143%€46,999above the sector's middle half▼ 34.8%€34,091within the sector's middle half▼ 27.5%€41,655within the sector's middle half▲ 22.2%
Solvency66.1%above the sector's middle half-57.6%within the sector's middle half▼ 8.5pp77.9%above the sector's middle half▲ 20.2pp46.3%within the sector's middle half▼ 31.6pp33.0%within the sector's middle half▼ 13.3pp
Current ratio1.51within the sector's middle half-1.71within the sector's middle half▲ 0.202.95above the sector's middle half▲ 1.231.40within the sector's middle half▼ 1.551.24within the sector's middle half▼ 0.16
Return on assets (ROA)65.9%above the sector's middle half-10.4%within the sector's middle half▼ 55.4pp-48.3%below the sector's middle half▼ 58.7pp-7.3%below the sector's middle half▲ 40.9pp7.2%within the sector's middle half▲ 14.5pp
Staff (FTE)2.9-15.7▲ 441%13.2▼ 15.9%13.2=13.1▼ 0.8%
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €18,675 after a loss of €12,268 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €283,404
Fixed assets
€70,572 ▲ 80.3%
Current assets
€212,832 ▲ 78.8%
Equity and liabilities €283,404
Equity
€93,547 ▲ 27.7%
Debt
€189,857 ▲ 123%
Debt's share of the balance-sheet total rises from 53.7% to 67.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€45,543▲
2024 · €11,976
Cash flow
€47,185▲
2024 · €12,629
Quick ratio
1.11▲
2024 · 1.10
Debt to equity
2.03▲
2024 · 1.16
ROE
21.7%▲
2024 · -15.9%
Interest coverage
23.96▼
2024 · 108.33
Debt ≤ 1 year
€171,177▲
2024 · €84,968
Debt > 1 year
€18,680
Income taxes
€317▼
2024 · €332
Staff costs
€355,565▲
2024 · €234,090
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,778 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 97% are still going.
- Small
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.5%
went bankrupt
2.6%
stopped otherwise
97%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 3.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,778 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €3,462 | - |
| Remuneration, social security and pensions62 | - | €217,919 | €223,810 | €234,090 | €355,565 | ▲ 51.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22,784 | €35,339 | €39,300 | €24,244 | €26,868 | ▲ 10.8% |
| Other operating charges640/8 | - | €6,453 | €6,054 | €6,786 | €3,573 | ▼ 47.3% |
| Gross operating margin9900 | €262,054 | €292,229 | €216,637 | €252,853 | €404,681 | ▲ 60.0% |
| Operating profit (loss)9901 | €139,286 | €32,518 | -€52,527 | -€12,268 | €18,675 | ▲ 252% |
| Financial income75/76B | - | €84 | €209 | €1,096 | €3,861 | ▲ 252% |
| Recurring financial income75 | €16 | €84 | €209 | €1,096 | €3,861 | ▲ 252% |
| Financial charges65/66B | - | €333 | €78 | €111 | €1,901 | ▲ 1,620% |
| Recurring financial charges65 | €112 | €333 | €78 | €111 | €1,901 | ▲ 1,620% |
| Profit (loss) for the period before taxes9903 | €139,190 | €32,269 | -€52,396 | -€11,282 | €20,635 | ▲ 283% |
| Income taxes67/77 | €27,030 | €7,397 | €192 | €332 | €317 | ▼ 4.5% |
| Profit (loss) for the period9904 | €112,160 | €24,873 | -€52,588 | -€11,615 | €20,318 | ▲ 275% |
| Profit (loss) for the period to be appropriated9905 | €112,160 | €24,873 | -€52,588 | -€11,615 | €20,318 | ▲ 275% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €170,250 | €238,409 | €108,971 | €158,198 | €283,404 | ▲ 79.1% |
| Fixed assets21/28 | €82,958 | €65,396 | €37,846 | €39,139 | €70,572 | ▲ 80.3% |
| Intangible fixed assets21 | €13,420 | €7,420 | €1,420 | €0 | €0 | - |
| Tangible fixed assets22/27 | €65,638 | €54,075 | €32,525 | €32,839 | €63,272 | ▲ 92.7% |
| Plant, machinery and equipment23 | - | €36,260 | €22,287 | €24,745 | €50,698 | ▲ 105% |
| Furniture and vehicles24 | - | €17,816 | €10,238 | €5,704 | €5,508 | ▼ 3.4% |
| Other tangible fixed assets26 | - | - | - | €2,390 | €7,066 | ▲ 196% |
| Financial fixed assets28 | €3,900 | €3,900 | €3,900 | €6,300 | €7,300 | ▲ 15.9% |
| Current assets29/58 | €87,292 | €173,013 | €71,126 | €119,059 | €212,832 | ▲ 78.8% |
| Stocks and contracts in progress3 | €15,329 | €20,046 | €20,540 | €25,660 | €23,548 | ▼ 8.2% |
| Stocks30/36 | - | €20,046 | €20,540 | €25,660 | €23,548 | ▼ 8.2% |
| Amounts receivable within one year40/41 | €17,039 | €94,967 | €34,989 | €67,487 | €177,401 | ▲ 163% |
| Trade receivables40 | - | €93,975 | €26,432 | €36,401 | €56,381 | ▲ 54.9% |
| Other amounts receivable41 | - | €992 | €8,558 | €31,086 | €121,020 | ▲ 289% |
| Cash at bank and in hand54/58 | €53,246 | €55,620 | €12,499 | €19,690 | €5,556 | ▼ 71.8% |
| Deferred charges and accrued income490/1 | - | €2,380 | €3,097 | €6,223 | €6,328 | ▲ 1.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €170,250 | €238,409 | €108,971 | €158,198 | €283,404 | ▲ 79.1% |
| Equity10/15 | €112,560 | €137,433 | €84,844 | €73,230 | €93,547 | ▲ 27.7% |
| Contributions10/11 | - | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Outside capital11 | - | €2,000 | - | - | - | - |
| Other1109/19 | - | €2,000 | - | - | - | - |
| Reserves13 | €110,560 | €135,433 | €82,844 | €71,230 | €91,547 | ▲ 28.5% |
| Distributable reserves133 | - | €135,433 | €82,844 | €71,230 | €91,547 | ▲ 28.5% |
| Amounts payable17/49 | €57,690 | €100,976 | €24,127 | €84,968 | €189,857 | ▲ 123% |
| Amounts payable after more than one year17 | - | - | - | - | €18,680 | - |
| Financial debts170/4 | - | - | - | - | €18,680 | - |
| Amounts payable within one year42/48 | €57,690 | €100,976 | €24,127 | €84,968 | €171,177 | ▲ 101% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €24,019 | - |
| Financial debts43 | - | - | - | - | €3,203 | - |
| Credit institutions430/8 | - | - | - | - | €3,203 | - |
| Trade debts44 | €6,004 | €31,604 | €10,032 | €67,012 | €102,140 | ▲ 52.4% |
| Suppliers440/4 | - | €31,604 | €10,032 | €67,012 | €102,140 | ▲ 52.4% |
| Taxes, remuneration and social security45 | - | €46,835 | €14,095 | €17,956 | €41,815 | ▲ 133% |
| Taxes450/3 | - | €14,426 | €192 | €1,355 | €3,357 | ▲ 148% |
| Remuneration and social security454/9 | - | €32,408 | €13,903 | €16,602 | €38,458 | ▲ 132% |
| Other amounts payable47/48 | - | €22,537 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €112,160 | €24,873 | -€52,588 | -€11,615 | €20,318 | ▲ 275% |
| + Depreciation and write-downs630 | €22,784 | €35,339 | €39,300 | €24,244 | €26,868 | ▲ 10.8% |
| Operating cash flow (approximation) | €134,944 | €60,212 | -€13,288 | €12,629 | €47,185 | ▲ 274% |
| Investment in fixed assets (approximation) | - | -€17,777 | -€11,750 | -€25,537 | -€58,301 | ▼ 128% |
| Change in cash | - | €2,373 | -€43,120 | €7,190 | -€14,134 | ▼ 297% |
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
11-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
30-06
Financial
Back to profitnet €20,318
Net result €20,318 after 2 loss-making years.
07-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
23-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet -€52,588
Net result drops to -€52,588, the lowest in the series; recovery starts the following year.
10-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
01-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Gent · 1 establishment unit since 2020
Ground area
151 m²
Building footprint
93 m²
Volume, LiDAR
934 m³
Parcel 44032A0175/00M002, Flanders · tallest building 15.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Ledebergplein 14A, 9050 Gent
since 20202.300.358.265
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44032A0175/00M002 | Flanders | 151 m² | 1 · 93 m² | 15.9 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGent2.300.358.265
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Of 21,853 companies in sector 56112 we hold annual accounts for 9,777. 7,904 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
Founded09-03-2020
Fiscal year end30-06
Trade name NL
The Pizza Masters
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0744889526
Also
9925:BE0744889526
Registered
26-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.