Equity
€129,212 ▲ 74.7%
Equity rose in 2025 from €73,942 to €129,212.
AJ.LAB
Lifetime
7 annual accounts with figures on one time axispeak €624,719 (2025)
€624,719▲ 22.9%
peak €137,670 (2025)
€137,670▲ 27.0%
peak €129,212 (2025)
€129,212▲ 74.7%
€533,543▲ 135%
peak 4 FTE (2020)
-not published
Board3 names since 2018
3 directorsVANVAL Alain Daniel Henri and 2 others
Documentsfilings and deeds
24-09-202655 days late
2025micro format
Gross margin from €508,303 to €624,719Result from €108,438 to €137,670Dividend €82,400Equity from €73,942 to €129,212Debts from €226,924 to €533,543Investments €340,591
Key points
from the 2025 annual accountsDebts
€533,543 ▲ 135%
Debts rose by €306,619 in 2025. A dividend stands under other debts on the balance sheet date until it is paid.
Securities
€191,510
Mortgage mandates, new in 2025. 1.5 times equity · not in the 2024 accounts.
Investments
€393,881 4.8 × depreciation
Green is investment, beige is depreciation.
Filings
7 annual accounts 6 late
The 2019 accounts came latest: 97 days after the end of the period.
Position in the sector
19.5%
Lower solvency than 80% of companies in human health. Sector median 63.0% · 20,774 companies.
Checked score
94
Excellent
Financially stronger than 49% of micro companies in human health (NACE 86)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 24,192 companies (NACE 86, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.2%▲ +0.1 percentage points vs 03-2025
05-2025: 0.1%▼ -0.1 percentage points vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.2%▲ +0.1 percentage points vs 06-2025
08-2025: 0.3%▲ +0.1 percentage points vs 07-2025
09-2025: 0.3%● unchanged vs 08-2025
10-2025: 0.6%▲ +0.3 percentage points vs 09-2025highest value
11-2025: 0.1%▼ -0.5 percentage points vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.2%▲ +0.1 percentage points vs 07-2026
09-2026: 0.3%▲ +0.1 percentage points vs 08-2026
10-2026: 0.1%▼ -0.2 percentage points vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 55 days late; 3 of the last 3 accounts late
lowers risk
Sector: Human health activities (NACE 86)
Size: total assets €662,755
Liquidity: current ratio 1.07, cash €161,836
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 86, micro). It does better than 20% of them on solvency, 36% on liquidity, 53% on profitability and 86% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,713 companies had the same profile as AJ.LAB has now. Each dot stands for 17 companies, two years later.
95.8%
were still trading
2.2%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of AJ.LAB itself is lower: 0.1% within 12 months. It rests on far more data about AJ.LAB than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,713 companies, not a prediction for AJ.LAB. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €12,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.07 (1.01 in 2024), below the usual 1.5. Short-term debt is 44.4% and cash 24.4% of total assets. 80.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 20774 sector peers (2025).
NBB · sector comparisonPosition among 20774 sector peers
Solvency
better than 19%
← weakest
strongest →
raises risk · 2025 accounts filed 55 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-09-2026, 55 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 7 filingsDeviation from the deadline
2025
55 days late
2024
61 days late
2023
55 days late
2022
30 days late
2021
20 days early
2020
86 days late
2019
97 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 52 days after the deadline. In the sector (NACE 86), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 24 September (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- VANVAL Alain Daniel Henri 60 sharesdeed of 11-10-2018
- SERPAGLI Juliette Sandra Emmanuelle Ghislaine 40 sharesdeed of 11-10-2018
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0707955092
Appointments: VANVAL Alain (director) and SERPAGLI Juliette (director)
Legal-form conversion: from private limited company (pre-2019) to private limited company · Gazette deed
Appointment: Juliette SERPAGLI (manager)
General meeting of 20-12-2019 · Gazette deed
Publication in the Belgian Official Gazette
Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| AJ.LAB Jemeppe-sur-Sambre | €662,755 | €624,719 | 19.5% | - |
| Frederik Van Hoecke Anzegem | €619,647 | €759,182 | 94.3% | - |
| DR. C. WERBROUCK, RADIOLOOG Roeselare | €594,502 | €576,093 | 95.6% | - |
| DR. WOUTER MEBIS Genk | €654,676 | €540,056 | 56.1% | - |
| BIOLOGIE CLINIQUE DEFOUR Namur | €653,966 | €441,847 | 42.4% | - |
| DOKTER DAVID DERTHOO Kortrijk | €516,271 | €550,675 | 0.2% | - |
| RAD BS Kortrijk | €574,416 | €636,529 | 80.5% | - |
These companies have the same main activity as AJ.LAB: medical imaging and medical laboratories (NACE 86910). They are comparable in size and age: total assets between €516,000 and €655,000, founded between 2015 and 2021.
Official details
Source: KBO- Status
- Active since 09-10-2018Normal situation
- Activity
- Medical imaging and medical laboratoriesNACE 86910and 1 other
- Joint committee
- 330Health institutions and services · annual accounts 2025
- Establishment unit
- 2.281.033.1925190 Jemeppe-sur-Sambre, since 26-10-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 09-12-2025
Annual accounts 2025
- ≈ €930,000estimated
- €662,755▲ 120%
- Employeeson 31-12-2025
- 6▲ 20.0%
- Filing
- Filed on 24-09-2026
Insights on AJ.LAB
AJ.LAB files the micro format. That format states no turnover. The gross margin rose from €193,617 in 2019 to €624,719 in 2025.
The balance sheet grew most from 2024 to 2025 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about AJ.LAB
- What is the company number of AJ.LAB?
- The company number of AJ.LAB is 0707.955.092. The VAT number is the same number with BE in front: BE 0707.955.092.
- Where is AJ.LAB based?
- The registered office is at Route d'Eghezée,Onoz 213, 5190 Jemeppe-sur-Sambre.Company details
- What does AJ.LAB do?
- According to the KBO register, the main activity is medical imaging and medical laboratories (NACE 86910).
- What is the legal form of AJ.LAB?
- AJ.LAB is a private limited company (BV).
- When was AJ.LAB founded?
- AJ.LAB was founded on 09-10-2018.
- Is AJ.LAB still active?
- Yes, AJ.LAB is an active enterprise in the KBO register.
- How many employees does AJ.LAB have?
- AJ.LAB had an average of 5.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does AJ.LAB fall under?
- In its 2025 annual accounts, AJ.LAB states joint committee 330 (Health institutions and services).
- What is the turnover of AJ.LAB?
- The turnover in financial year 2025 is ≈ €930,000. This figure is estimated from the gross margin of €624,719 and 45 comparable companies (NACE 86). It probably lies between €770,000 and €1.2m.
- Is AJ.LAB profitable?
- In financial year 2025, AJ.LAB made a profit of €137,670.
- Where can I find the annual accounts of AJ.LAB?
- AJ.LAB filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of AJ.LAB due?
- AJ.LAB must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.