ZAMANI
Open bankruptcyAre you a creditor?
Open bankruptcy
Source: Belgian Official Gazette
If this company owes you money, you are not paid automatically: you file your claim yourself, within the deadline the judgment sets.
The procedure
- Court
- Enterprise Court of Ghent, Ostend division
- Declared bankrupt
- 22 January 2024
- Supervising judge
- Jan Vercruysse
- Official Gazette
- 26-01-2024 (pdf) ↗search the document for 2024/103139
Deadlines
- Provisional date payments stopped
- 22 January 2024A later judgment can change the date.art. XX.105 CEL
- Appeal or third-party opposition until
- passed on 10 February 2024Fifteen days after the publication in the Official Gazette.art. XX.108 CEL
- File the claim in RegSol until
- passed on 21 February 2024art. XX.104 and XX.155 CEL
- First verification report
- passed on 22 March 2024Goods that belong to you, such as those delivered under retention of title, are reclaimed before this day.art. XX.104 and XX.194 CEL
- Late claim until
- passed on 22 January 2025Late, you share only in what has not been paid out yet, and the costs are yours.art. XX.165 CEL
Curator
- Christine VermeireGroendreef 8, 8400 Oostendechristine@advocaatvermeire.be
What to do now
- Do not deliver on credit any more without an agreement with the curator.
- Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
- File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
- Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
- Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered under conditions.
- Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.
The deadlines above come from the publication of the judgment. Check them in RegSol before you file anything; a passed deadline no longer applies.
File a claim in RegSol ↗
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Follow this bankruptcy: you are alerted when it is closed or reversed.
General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help.Creditor guide for this company
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Signals
1 signal.
+raises risk
Checked, nothing found (1)
History
Go further with this company
Who ran this company, and where was it based, on a date before the end?Company as of a date Is the registered address a letterbox address or a business centre?Addresses Are there other customers at risk in your own list?Process a list How is the Retail sale of information and communication equipment sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2022, full schema
Turnover
€96,456▲ 2.6%
2021 · €93,984
EBIT margin
11.3%▲ 7.8pp
2021 · 3.5%
Net result
€8,052▲ 145%
2021 · €3,282
Working capital
€14,140▲ 175%
2021 · €5,148
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202020212022
Turnover€51,571-€93,984▲ 82.2%€96,456▲ 2.6%
Operating result-€603-€3,282€10,933▲ 233%
Net result-€603below the sector's middle half-€3,282within the sector's middle half€8,052within the sector's middle half▲ 145%
EBIT margin-1.2%-3.5%▲ 4.7pp11.3%▲ 7.8pp
Equity€2,807below the sector's middle half-€6,089below the sector's middle half▲ 117%€14,140below the sector's middle half▲ 132%
Total assets€3,015below the sector's middle half-€9,300below the sector's middle half▲ 208%€22,016below the sector's middle half▲ 137%
Debt€208-€3,211▲ 1,444%€7,876▲ 145%
Working capital€1,866within the sector's middle half-€5,148within the sector's middle half▲ 176%€14,140within the sector's middle half▲ 175%
Solvency65.5%above the sector's middle half64.2%above the sector's middle half▼ 1.2pp
Current ratio2.60above the sector's middle half2.80above the sector's middle half▲ 0.19
Return on assets (ROA)35.3%above the sector's middle half36.6%above the sector's middle half▲ 1.3pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2022 is 233% above 2021 and is the highest result in the available series.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Equity and liabilities €22,016
Equity
€14,140 ▲ 132%
Debt
€7,876 ▲ 145%
Debt's share of the balance-sheet total rises from 34.5% to 35.8%. Equity and debt are higher.
Key figures and ratios
Debt to equity
0.56▲
2021 · 0.53
ROE
56.9%▲
2021 · 53.9%
Debt ≤ 1 year
€7,876▲
2021 · €3,211
Income taxes
€2,684
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|
| Turnover70 | €51,571 | €93,984 | €96,456 | ▲ 2.6% |
| Goods, raw materials, services and sundry goods60/61 | €52,174 | €90,702 | €85,523 | ▼ 5.7% |
| Gross operating margin9900 | -€603 | €3,282 | €10,933 | ▲ 233% |
| Operating profit (loss)9901 | -€603 | €3,282 | €10,933 | ▲ 233% |
| Financial charges65/66B | - | - | €197 | - |
| Recurring financial charges65 | - | - | €197 | - |
| Profit (loss) for the period before taxes9903 | -€603 | €3,282 | €10,736 | ▲ 227% |
| Income taxes67/77 | - | - | €2,684 | - |
| Profit (loss) for the period9904 | -€603 | €3,282 | €8,052 | ▲ 145% |
| Profit (loss) for the period to be appropriated9905 | -€603 | €3,282 | €8,052 | ▲ 145% |
| Line | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €3,015 | €9,300 | €22,016 | ▲ 137% |
| Formation expenses20 | €941 | €941 | - | - |
| Current assets29/58 | €2,074 | €8,359 | €22,016 | ▲ 163% |
| Amounts receivable within one year40/41 | - | - | €2,218 | - |
| Other amounts receivable41 | - | - | €2,218 | - |
| Cash at bank and in hand54/58 | - | - | €19,798 | - |
| Deferred charges and accrued income490/1 | €2,074 | €8,359 | - | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €3,015 | €9,300 | €22,016 | ▲ 137% |
| Equity10/15 | €2,807 | €6,089 | €14,140 | ▲ 132% |
| Contributions10/11 | €3,410 | €3,410 | €3,410 | = |
| Reserves13 | - | - | €537 | - |
| Non-distributable reserves130/1 | - | - | €537 | - |
| Reserves not available under the articles1311 | - | - | €537 | - |
| Profit (loss) carried forward14 | -€603 | €2,679 | €10,194 | ▲ 280% |
| Amounts payable17/49 | €208 | €3,211 | €7,876 | ▲ 145% |
| Amounts payable within one year42/48 | €208 | €3,211 | €7,876 | ▲ 145% |
| Trade debts44 | - | - | €2,375 | - |
| Suppliers440/4 | - | - | €2,375 | - |
| Taxes, remuneration and social security45 | €208 | €3,211 | €5,501 | ▲ 71.3% |
| Taxes450/3 | €208 | €1,711 | €5,501 | ▲ 222% |
| Remuneration and social security454/9 | - | €1,500 | - | - |
| Line | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€603 | €3,282 | €8,052 | ▲ 145% |
| Operating cash flow (approximation) | -€603 | €3,282 | €8,052 | ▲ 145% |
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
2024
26-01
Bankruptcy
Opening
Ondernemingsrechtbank Gent, afdeling Oostende · event 22-01-2024
2023
07-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 129 days late
19-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 415 days late
19-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 780 days late
2022
31-12
Financial
Highest result since 2020net €8,052 ▲145%
Operating result €10,933, net result €8,052, both a record.
2021
31-12
Financial
Back to profitnet €3,282
Net result €3,282 after one loss-making year.
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Oostende · 1 establishment unit since 2019
Ground area
485 m²
Building footprint
467 m²
Volume, LiDAR
7,473 m³
2 parcels, Brussels, Flanders · tallest building 21.8 m, ±6 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
ZAMANI
since 20192.302.626.481
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35385B0090/00V002 | Flanders | 423 m² | 1 · 406 m² | 21.8 m · 6 fl. |
| 21910E0124/00A004 | Brussels | 62 m² | 1 · 60 m² | 16.8 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | CHRISTINE VERMEIRE Groendreef 8, 8400 Oostende |
22-01-2024 → present |
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Of 3,222 companies in this sector we hold annual accounts for 1,809. 1,053 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded27-11-2019
Fiscal year end31-12
Activities, NACEBEL 2025
47400Retail sale of information and communication equipment
Contact
E-mail
NAJIB_NESHAN@HOTMAIL.COM
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.