AJD33
ActiveThe computed 12-month bankruptcy probability of AJD33 is 3.7% (moderate). The 2025 annual accounts show equity of €8k and a net result of €7k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 30% of 13044 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
71
/ 100
Healthy▲ +15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency16▲+5
Growth32=
Stability100
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.02 against 0.97 in 2024), and 93.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
6.5%
Return on assets
5.6%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
2 d early
2023
60 d late
2022
31 d late
2021
29 d late
2020
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€8k▲ 600%
2024 · €1k
2020: €19k
2021: €28k
2022: €11k
2023: €-1k
2024: €1k
2020 → 2025
Total assets
€120k▲ 19.4%
2024 · €100k
2020: €106k
2021: €81k
2022: €76k
2023: €75k
2024: €100k
2020 → 2025
Net result
€7k▲ 197%
2024 · €2k
2020: €9k
2021: €9k
2022: €-17k
2023: €-12k
2024: €2k
2020 → 2025
Working capital
€2k
2024 · €-3k
2020: €16k
2021: €24k
2022: €6k
2023: €-6k
2024: €-3k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€11k▼ 61.7%€-1k€1k€8k▲ 600%
Operating result€10k-€-17k€-11k▲ 37.5%€6k€4k▼ 44.1%
Net result€9k-€-17k€-12k▲ 31.1%€2k€7k▲ 197%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 44% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €120k
Fixed assets
€6k▲ 40.0%
Current assets
€114k▲ 18.5%
Equity and liabilities €120k
Equity
€8k▲ 600%
Debt
€112k▲ 12.9%
The debt ratio falls from 98.9% to 93.5%: equity grows faster than debt.
Key figures and ratios
EBITDA
€5k▼
2024 · €10k
Cash flow
€8k▲
2024 · €6k
Solvency
6.5%▲
2024 · 1.1%
Current ratio
1.02▲
2024 · 0.97
Quick ratio
0.92▲
2024 · 0.82
Debt / equity
14.42▼
2024 · 89.40
ROE
85.7%▼
2024 · 202.4%
ROA
5.6%▲
2024 · 2.2%
Interest coverage
6.69▼
2024 · 9.99
Debt
€112k▲
2024 · €99k
Debt ≤ 1 year
€112k▲
2024 · €99k
Income taxes
€-3k▼
2024 · €3k
Staff costs
€18k▼
2024 · €41k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€100k€120k▲
Fixed assets21/28€4k€6k▲
Tangible fixed assets22/27€2k€3k▲
Furniture and vehicles24€339€2k▲
Other tangible fixed assets26€1k€1k▼
Financial fixed assets28€3k€3k=
Current assets29/58€96k€114k▲
Stocks and contracts in progress3€14k€11k▼
Stocks30/36€14k€11k▼
Amounts receivable within one year40/41€58k€84k▲
Trade receivables40€47k€71k▲
Other amounts receivable41€11k€13k▲
Cash at bank and in hand54/58€23k€19k▼
Deferred charges and accrued income490/1-€74
Equity and liabilities
Total equity and liabilities10/49€100k€120k▲
Equity10/15€1k€8k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€-9k€-2k▲
Amounts payable17/49€99k€112k▲
Amounts payable within one year42/48€99k€112k▲
Current portion of amounts payable after more than one year42€3k-
Trade debts44€65k€77k▲
Suppliers440/4€65k€77k▲
Taxes, remuneration and social security45€12k€15k▲
Taxes450/3€6k€3k▼
Remuneration and social security454/9€6k€12k▲
Other amounts payable47/48€20k€20k=
Income statement
Code20242025
Remuneration, social security and pensions62€41k€18k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€1k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€53k€26k▼
Operating profit (loss)9901€6k€4k▼
Financial income75/76B€7€757▲
Recurring financial income75€7€757▲
Financial charges65/66B€992€688▼
Recurring financial charges65€992€688▼
Profit (loss) for the period before taxes9903€5k€4k▼
Income taxes67/77€3k€-3k▼
Profit (loss) for the period9904€2k€7k▲
Profit (loss) for the period to be appropriated9905€2k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-2k▲
Profit (loss) brought forward from the previous period14P€-11k€-9k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 60 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-17k ▼283%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Highest result since 2020net €9k ▲9.6%
Operating result €10k, net result €9k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Nandrin · 1 establishment unit since 2020
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.
Rue de la Forge 54550 NandrinGround area
5,932 m²
Building footprint
240 m²
Volume, LiDAR
1,445 m³
2 parcels, Wallonia · tallest building 16.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
AJD33
since 20202.297.366.707
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61069A0170/00C000 | Wallonia | 5,848 m² | 1 · 205 m² | 7.6 m · 1 fl. |
| 62810C1357/00E000 ProtectedMonument |
Wallonia | 84 m² | 1 · 35 m² | 16.0 m · 5 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteLiège2.297.366.707
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Of 13,834 companies in sector 56301 we hold annual accounts for 4,807. 3,204 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2019
Fiscal year end31-12
Activities, NACEBEL
56301Cafés and bars
47120Other non-specialised retail sale
47251Retail sale of wines and spirits
47252Retail sale of beverages, general range
47910Retail trade
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
82300Organisation of conventions and trade shows
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:flo_malta@hotmail.com
Phone:+32472240428