ZNSABA
Open bankruptcyA bankruptcy procedure is open for ZNSABA according to publications in the Belgian State Gazette; curator: DANIEL ZAMARIOLA.
Summary
The file additionally contains 1 administrative flag. The 2023 annual accounts show negative equity (-€3,185) and a net result of -€20,034.
Are 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 Liège, Namur division
- Declared bankrupt
- 20 February 2025
- Supervising judge
- Regis Gillard
- Official Gazette
- 03-03-2025 (pdf) ↗search the document for 2025/108914
Deadlines
- Appeal or third-party opposition until
- passed on 18 March 2025Fifteen days after the publication in the Official Gazette.art. XX.108 CEL
- File the claim in RegSol until
- passed on 22 March 2025art. XX.104 and XX.155 CEL
- First verification report
- passed on 1 April 2025Goods 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 20 February 2026Late, you share only in what has not been paid out yet, and the costs are yours.art. XX.165 CEL
Curator
- Daniel ZamariolaRue Courtejoie 47, 5590 Cineyd.zamariola@avocat.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 ↗
Watch
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
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 29-08-2024, 29 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
not confirmed
2024
not filed
2023
29 d late
2022
46 d early
2021
52 d late
2020
137 d late
2019
60 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 46 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
raises risk · Administrative warnings in the KBO publications
2 publications by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or their withdrawal.
KBO publicationsPublications
Address struckStrikeout withdrawal
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?List enrichment How is the Washing and cleaning of motor vehicles sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2023, micro schema
Turnover
€65,225▲ 163%
2021 · €24,755
EBIT margin
-30.5%▼ 39.3pp
2021 · 8.8%
Net result
-€20,034
2022 · €20,712
Working capital
-€4,185
2022 · €15,849
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, 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
Line20192020202120222023
Turnover€22,620▼ 14.1%€12,618▼ 44.2%€24,755▲ 96.2%€65,225
Operating result€723-€2,476€2,178€20,875▲ 858%-€19,898
Net result€647-€2,538below the sector's middle half€2,621within the sector's middle half€20,712within the sector's middle half▲ 690%-€20,034below the sector's middle half
EBIT margin3.2%▲ 18.1pp-19.6%▼ 22.8pp8.8%▲ 28.4pp-30.5%
Equity-€17,157▲ 3.6%-€19,695below the sector's middle half▼ 14.8%-€3,863below the sector's middle half▲ 80.4%€16,849within the sector's middle half-€3,185below the sector's middle half
Total assets€3,484▼ 22.1%€3,104below the sector's middle half▼ 10.9%€2,815below the sector's middle half▼ 9.3%€20,201below the sector's middle half▲ 618%€4,288below the sector's middle half▼ 78.8%
Debt€20,641▼ 7.4%€22,799▲ 10.5%€6,678▼ 70.7%€3,351▼ 49.8%€7,473▲ 123%
Working capital-€20,457▲ 8.1%-€21,845▼ 6.8%-€4,863▲ 77.7%€15,849-€4,185
Solvency83.4%above the sector's middle half
Staff (FTE)0.70.5below the sector's middle half▼ 28.6%2▲ 300%1.8▼ 10.0%1.7▼ 5.6%
above
within
below
the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, 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 turns negative in 2023: a loss of €19,898 after €20,875 in 2022, the lowest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €4,288
Fixed assets
€1,000 =
Current assets
€3,288 ▼ 82.9%
Key figures and ratios
Debt ≤ 1 year
€7,473▲
2022 · €3,351
Income taxes
€120▲
2022 · €117
Staff costs
€19,758▲
2022 · €16,293
Ratios withheld: a balance sheet total of €4,288 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €22,620 | €12,618 | €24,755 | - | €65,225 | - |
| Non-recurring operating income76A | - | - | €21,000 | €70,000 | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | €34,540 | - | €65,757 | - |
| Remuneration, social security and pensions62 | - | - | €12,550 | €16,293 | €19,758 | ▲ 21.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,150 | €1,150 | €1,150 | - | - | - |
| Other operating charges640/8 | - | - | €1,006 | €4,853 | €1,765 | ▼ 63.6% |
| Gross operating margin9900 | €12,137 | €4,737 | €16,884 | €42,020 | €1,625 | ▼ 96.1% |
| Operating profit (loss)9901 | €723 | -€2,476 | €2,178 | €20,875 | -€19,898 | ▼ 195% |
| Financial income75/76B | - | - | €810 | - | - | - |
| Recurring financial income75 | - | - | €810 | - | - | - |
| Financial charges65/66B | - | - | €53 | €45 | €17 | ▼ 62.5% |
| Recurring financial charges65 | €76 | €62 | €53 | €45 | €17 | ▼ 62.5% |
| Profit (loss) for the period before taxes9903 | €647 | -€2,538 | €2,935 | €20,829 | -€19,915 | ▼ 196% |
| Income taxes67/77 | - | - | €314 | €117 | €120 | ▲ 2.2% |
| Profit (loss) for the period9904 | €647 | -€2,538 | €2,621 | €20,712 | -€20,034 | ▼ 197% |
| Profit (loss) for the period to be appropriated9905 | €647 | -€2,538 | €2,621 | €20,712 | -€20,034 | ▼ 197% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3,484 | €3,104 | €2,815 | €20,201 | €4,288 | ▼ 78.8% |
| Fixed assets21/28 | €3,300 | €2,150 | €1,000 | €1,000 | €1,000 | = |
| Tangible fixed assets22/27 | €2,300 | €1,150 | - | - | - | - |
| Financial fixed assets28 | €1,000 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Current assets29/58 | €184 | €954 | €1,815 | €19,201 | €3,288 | ▼ 82.9% |
| Amounts receivable within one year40/41 | - | - | - | - | €24 | - |
| Trade receivables40 | - | - | - | - | €24 | - |
| Cash at bank and in hand54/58 | €184 | €954 | €1,815 | €19,201 | €3,264 | ▼ 83.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3,484 | €3,104 | €2,815 | €20,201 | €4,288 | ▼ 78.8% |
| Equity10/15 | -€17,157 | -€19,695 | -€3,863 | €16,849 | -€3,185 | ▼ 119% |
| Contributions10/11 | €1 | - | €13,212 | €13,212 | €13,212 | = |
| Reserves13 | €1 | €1 | €1 | €1 | €1 | = |
| Non-distributable reserves130/1 | - | - | €1 | €1 | €1 | = |
| Reserves not available under the articles1311 | - | - | €1 | €1 | €1 | = |
| Profit (loss) carried forward14 | -€17,159 | -€19,697 | -€17,076 | €3,636 | -€16,398 | ▼ 551% |
| Amounts payable17/49 | €20,641 | €22,799 | €6,678 | €3,351 | €7,473 | ▲ 123% |
| Amounts payable within one year42/48 | €20,641 | €22,799 | €6,678 | €3,351 | €7,473 | ▲ 123% |
| Trade debts44 | €1,062 | €808 | €2,006 | €2,706 | €563 | ▼ 79.2% |
| Suppliers440/4 | - | - | €2,006 | €2,706 | €563 | ▼ 79.2% |
| Taxes, remuneration and social security45 | - | - | €4,672 | €645 | €6,910 | ▲ 971% |
| Taxes450/3 | - | - | €71 | €122 | €4,878 | ▲ 3,903% |
| Remuneration and social security454/9 | - | - | €4,601 | €523 | €2,032 | ▲ 288% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €647 | -€2,538 | €2,621 | €20,712 | -€20,034 | ▼ 197% |
| + Depreciation and write-downs630 | €1,150 | €1,150 | €1,150 | - | - | - |
| Operating cash flow (approximation) | €1,797 | -€1,388 | €3,771 | €20,712 | -€20,034 | ▼ 197% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €770 | €861 | €17,386 | -€15,937 | ▼ 192% |
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
2026
20-04
KBO administration
Address struck
Avenue de Namur 80 L’adresse du siège Avenue de Namur 80 Die Sitzadresse Avenue de Namur 80
5590 Ciney werd doorgehaald met ingang van 5590 Ciney · event 31-01-2026
2025
03-03
Bankruptcy
Opening
Tribunal de l’entreprise de Liège, division Namur · event 20-02-2025
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet -€20,034
Net result drops to -€20,034, the lowest in the series.
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €20,712 ▲690%
Operating result €20,875, net result €20,712, both a record.
31-12
Financial
Liquidity times 21current ratio 5.73
Current ratio from 0.27 to 5.73; short-term debt falls from €6,678 to €3,351.
21-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 52 days late
2021
31-12
Financial
Back to profitnet €2,621
Net result €2,621 after one loss-making year.
15-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 137 days late
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
31-12
Financial
Back to profitnet €647
Net result €647 after one loss-making year.
Show earlier events
04-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 96 days late
2018
07-12
KBO administration
Strikeout withdrawal
event 30-09-2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 61 days late
17-01
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 170 days late
2017
26-04
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 269 days late
26-04
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 635 days late
SignalFinancial 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.
Have them read with priority
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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, Ciney · 1 establishment unit since 2012
Ground area
104 m²
Building footprint
66 m²
Parcel 91030B0396/00Z003, Wallonia. Linked by address, not a title deed.
1 establishment unit
ZNSABA
since 20122.226.014.101
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91030B0396/00Z003 | Wallonia | 104 m² | 1 · 66 m² | - |
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.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | DANIEL ZAMARIOLA RUE COURTEJOIE 47,
5590 CINEY |
20-02-2025 → present |
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Of 3,205 companies in sector 95316 we hold annual accounts for 753. 519 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
Founded22-06-2012
Fiscal year end31-12
Activities, NACEBEL 2025
95316Washing and cleaning of motor vehicles
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 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.