Summary
AJICO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €201,295 and a net result of €64,502. Equity is growing by ~22.6% per year across the filed fiscal years. Its solvency ranks better than 39% of 8091 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-05-2026, 71 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
71 d early
2024
19 d late
2023
2 d early
2022
8 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 12 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 4 August (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#9 company by total assets in Eghezée, Finance and insurance sector#9 company by equity in Eghezée, Finance and insurance sector
Equity
€201,295▲ 2.3%
2024 · €196,793
Net result
€64,502▲ 15.6%
2024 · €55,809
Total assets
€528,080▲ 37.9%
2024 · €382,920
Solvency
38.1%▼ 13.3pp
2024 · 51.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
Line2022202320242025
Operating result€37,943-€63,084▲ 66.3%€83,845▲ 32.9%€88,951▲ 6.1%
Net result€18,688within the sector's middle half-€42,296within the sector's middle half▲ 126%€55,809within the sector's middle half▲ 31.9%€64,502within the sector's middle half▲ 15.6%
Equity€98,688within the sector's middle half-€140,984within the sector's middle half▲ 42.9%€196,793within the sector's middle half▲ 39.6%€201,295within the sector's middle half▲ 2.3%
Total assets€300,709within the sector's middle half-€376,572within the sector's middle half▲ 25.2%€382,920within the sector's middle half▲ 1.7%€528,080within the sector's middle half▲ 37.9%
Debt€202,021-€235,589▲ 16.6%€186,128▼ 21.0%€326,785▲ 75.6%
Working capital-€53,048below the sector's middle half--€77,953below the sector's middle half▼ 46.9%-€14,832within the sector's middle half▲ 81.0%-€98,413below the sector's middle half▼ 564%
Solvency32.8%within the sector's middle half-37.4%within the sector's middle half▲ 4.6pp51.4%within the sector's middle half▲ 14.0pp38.1%within the sector's middle half▼ 13.3pp
Current ratio0.14below the sector's middle half-0.38below the sector's middle half▲ 0.230.86within the sector's middle half▲ 0.480.43below the sector's middle half▼ 0.43
Return on assets (ROA)6.2%within the sector's middle half-11.2%within the sector's middle half▲ 5.0pp14.6%within the sector's middle half▲ 3.3pp12.2%within the sector's middle half▼ 2.4pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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 has risen three years in a row; 2025 is 6% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €528,080
Fixed assets
€452,905 ▲ 55.2%
Current assets
€75,174 ▼ 17.4%
Equity and liabilities €528,080
Equity
€201,295 ▲ 2.3%
Debt
€326,785 ▲ 75.6%
Debt's share of the balance-sheet total rises from 48.6% to 61.9%. Equity and debt are higher.
Key figures and ratios
ROE
32.0%▲
2024 · 28.4%
Debt ≤ 1 year
€173,587▲
2024 · €105,853
Debt > 1 year
€153,198▲
2024 · €80,275
Income taxes
€17,787▼
2024 · €22,807
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €12,500 | - | €2,704 | - |
| Other operating charges640/8 | - | - | €3,314 | €463 | ▼ 86.0% |
| Gross operating margin9900 | €37,943 | €75,584 | €87,159 | €92,117 | ▲ 5.7% |
| Operating profit (loss)9901 | €37,943 | €63,084 | €83,845 | €88,951 | ▲ 6.1% |
| Financial charges65/66B | €9,525 | €3,219 | €5,229 | €6,661 | ▲ 27.4% |
| Recurring financial charges65 | €9,525 | €3,219 | €5,229 | €6,661 | ▲ 27.4% |
| Profit (loss) for the period before taxes9903 | €28,418 | €59,864 | €78,616 | €82,290 | ▲ 4.7% |
| Income taxes67/77 | €9,730 | €17,568 | €22,807 | €17,787 | ▼ 22.0% |
| Profit (loss) for the period9904 | €18,688 | €42,296 | €55,809 | €64,502 | ▲ 15.6% |
| Profit (loss) for the period to be appropriated9905 | €18,688 | €42,296 | €55,809 | €64,502 | ▲ 15.6% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €300,709 | €376,572 | €382,920 | €528,080 | ▲ 37.9% |
| Fixed assets21/28 | €291,900 | €329,400 | €291,900 | €452,905 | ▲ 55.2% |
| Intangible fixed assets21 | €291,900 | - | - | €700 | - |
| Tangible fixed assets22/27 | - | €37,500 | - | €10,306 | - |
| Furniture and vehicles24 | - | €37,500 | - | €10,306 | - |
| Financial fixed assets28 | - | €291,900 | €291,900 | €441,900 | ▲ 51.4% |
| Current assets29/58 | €8,809 | €47,172 | €91,020 | €75,174 | ▼ 17.4% |
| Amounts receivable within one year40/41 | €108 | €10,209 | €47,208 | €30,151 | ▼ 36.1% |
| Trade receivables40 | - | €10,102 | €47,100 | €43 | ▼ 99.9% |
| Other amounts receivable41 | €108 | €108 | €108 | €30,108 | ▲ 27,858% |
| Cash at bank and in hand54/58 | €5,725 | €34,024 | €42,590 | €41,890 | ▼ 1.6% |
| Deferred charges and accrued income490/1 | €2,976 | €2,939 | €1,223 | €3,134 | ▲ 156% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €300,709 | €376,572 | €382,920 | €528,080 | ▲ 37.9% |
| Equity10/15 | €98,688 | €140,984 | €196,793 | €201,295 | ▲ 2.3% |
| Contributions10/11 | €80,000 | €80,000 | €80,000 | €80,000 | = |
| Reserves13 | €18,688 | €60,984 | €116,793 | €116,793 | = |
| Non-distributable reserves130/1 | €18,688 | - | - | - | - |
| Other1319 | €18,688 | - | - | - | - |
| Distributable reserves133 | - | €60,984 | €116,793 | €116,793 | = |
| Profit (loss) carried forward14 | - | - | - | €4,502 | - |
| Amounts payable17/49 | €202,021 | €235,589 | €186,128 | €326,785 | ▲ 75.6% |
| Amounts payable after more than one year17 | €140,164 | €110,464 | €80,275 | €153,198 | ▲ 90.8% |
| Financial debts170/4 | €140,164 | €110,464 | €80,275 | €153,198 | ▲ 90.8% |
| Amounts payable within one year42/48 | €61,857 | €125,125 | €105,853 | €173,587 | ▲ 64.0% |
| Current portion of amounts payable after more than one year42 | €29,231 | €29,700 | €30,189 | €51,021 | ▲ 69.0% |
| Trade debts44 | €308 | €1,047 | €200 | €4,789 | ▲ 2,291% |
| Suppliers440/4 | €308 | €1,047 | €200 | €4,789 | ▲ 2,291% |
| Taxes, remuneration and social security45 | €13,066 | €32,842 | €48,281 | €57,279 | ▲ 18.6% |
| Taxes450/3 | €13,066 | €32,842 | €48,281 | €57,279 | ▲ 18.6% |
| Other amounts payable47/48 | €19,252 | €61,535 | €27,183 | €60,498 | ▲ 123% |
| Accrued charges and deferred income492/3 | - | - | - | €0 | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18,688 | €42,296 | €55,809 | €64,502 | ▲ 15.6% |
| + Depreciation and write-downs630 | - | €12,500 | - | €2,704 | - |
| Operating cash flow (approximation) | €18,688 | €54,796 | €55,809 | €67,206 | ▲ 20.4% |
| Investment in fixed assets (approximation) | - | -€50,000 | €37,500 | -€163,709 | ▼ 537% |
| Change in cash | - | €28,300 | €8,566 | -€700 | ▼ 108% |
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
Next filing, fiscal year 2026, expected by
2026
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €64,502 ▲15.6%
Operating result €88,951, net result €64,502, both a record.
31-12
Financial
Equity above €200,000Eq €201,295 ▲2.3%
4 profitable years in a row build equity to €201,295.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Equity above €150,000Eq €196,793 ▲39.6%
3 profitable years in a row build equity to €196,793.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100,000Eq €140,984 ▲42.9%
2 profitable years in a row build equity to €140,984.
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Eghezée · 1 establishment unit since 2021
Ground area
1,376 m²
Building footprint
119 m²
Parcel 92034D0156/00D000, Wallonia. Linked by address, not a title deed.
1 establishment unit
AJICO
since 20212.318.132.328
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92034D0156/00D000 | Wallonia | 1,376 m² | 1 · 119 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.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 13,542 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
Founded09-06-2021
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
47525Retail trade
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0769523368
Registered
20-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.