All the downloadable files are ZIP-files and they contain MZF-formatted files. Additional TXT-files may be included. The file size shown includes the header size of 128 bytes. That means, the memory size used in the MZ will be the file size reduced by the header size.
www.sharpmz.no
1
http://www.sharpmz.org/mz-80k/download/sm80k.pdf
MZ-80K Download - Operating Systems