AJ GROUPE
ActiveSummary
The computed 12-month bankruptcy probability of AJ GROUPE is 3.0% (moderate). The 2024 annual accounts show equity of €10k and a net result of €365. Its solvency ranks better than 95% of 6162 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability46
Solvency100
Growth-
Track record67
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 12.13; short-term debt: 8.2% and cash: 1.5% of total assets), and 8.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
91.8%
Return on assets
3.2%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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 · 1 filingDeviation from the deadline
2024
30 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€10k
Total assets
€11k
Net result
€365
Working capital
€10k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €11k
Equity
€10k
Debt
€931
Debt finances 8.2% of the balance-sheet total.
Key figures and ratios
Current ratio
12.13
Debt to equity
0.09
ROE
3.5%
ROA
3.2%
Debt ≤ 1 year
€931
Income taxes
€91
Filed annual accounts As filed with the NBB · 2024 · 25 lines
Balance sheet
Code2024
Assets
Total assets20/58€11k
Current assets29/58€11k
Amounts receivable within one year40/41€11k
Trade receivables40€9k
Other amounts receivable41€2k
Cash at bank and in hand54/58€166
Equity and liabilities
Total equity and liabilities10/49€11k
Equity10/15€10k
Contributions10/11€10k
Profit (loss) carried forward14€365
Amounts payable17/49€931
Amounts payable within one year42/48€931
Trade debts44€415
Suppliers440/4€415
Taxes, remuneration and social security45€516
Taxes450/3€516
Income statement
Code2024
Gross operating margin9900€469
Operating profit (loss)9901€469
Financial charges65/66B€12
Recurring financial charges65€12
Profit (loss) for the period before taxes9903€457
Income taxes67/77€91
Profit (loss) for the period9904€365
Profit (loss) for the period to be appropriated9905€365
Appropriation of the result
Profit (loss) to be appropriated9906€365
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
NBB filing
Directors · office · real estate
Directors
3 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, Sint-Jans-Molenbeek · 1 establishment unit since 2023
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.
Opzichterstraat 481080 Sint-Jans-MolenbeekGround area
404 m²
Building footprint
287 m²
Volume, LiDAR
892 m³
2 parcels, Brussels, Flanders · tallest building 16.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
AJ GROUPE
since 20232.360.224.586
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23086E0329/00Z000 | Flanders | 300 m² | 1 · 204 m² | - |
| 21012A0179/00L010 | Brussels | 104 m² | 1 · 83 m² | 16.5 m · 4 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.
Similar companies · same sector, comparable size
BEEHIVE
BE 0896.002.658
Leuven · Eq €10,408
MVFC SPRL
BE 0840.508.463
Sint-Lambrechts-Woluwe · Eq €10,524
bodyboost ebvba
BE 0842.150.535
Bornem · Eq €10,553
ESSENTIELLES
BE 0821.122.618
Antwerpen · Eq €10,577
CARPATIS
BE 0808.755.217
Etterbeek · Eq €10,107
Of 6,710 companies in sector 96230 we hold annual accounts for 628. 414 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-12-2023
Fiscal year end31-12
Activities, NACEBEL 2025
96230Day spas, saunas and steam baths
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47812Retail trade
95316Washing and cleaning of motor vehicles
46180Agents specialised in the wholesale of other particular products
96210Hairdressing and barber services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.