Financials
- Fiscal year
- 2026
- Total assets
- €42,156
- Profit
- €16,845
- Solvency
- 19.6%
Turnover▼ 13.8%
Net result
20232025
AJM & Co
ActiveSummary
AJM & Co has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €8,260 and a net result of €16,845. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 30% of 195 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.6% (low).
Overview
Activity
Wholesale trade
NACE 46712NACE 45191
1 site
Size
€42,156total assets 2026
- Equity
- €8,260
- Profit
- €16,845
Turnover not published (abridged schema)
Structure
Accounts 142 d early0 of 1 deed read
Why 84- Size: total assets €42,156- Founded in 2019+ Liquidity: current ratio 1.22, cash €16,563+ Figures for FY 2026 (filed 11-09-2026)Show the evidence
Checked score
Score 2026
84
/ 100
Excellent
Probability in this band: under 0.55%
Better than 71% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2025
Strong
Solvency
45+45
equity 19.6% of total assets
Liquidity
55+42
short-term debt 80.4% · cash 39.3%
Profitability
100+100
return on assets 40.0%
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 1.2%
12-2024: 1.2%▼ -2.6% vs 11-2024
01-2025: 1.2%▲ +2.5% vs 12-2024
02-2025: 2.0%▲ +62.1% vs 01-2025
03-2025: 2.2%▲ +13.8% vs 02-2025
04-2025: 3.6%▲ +59.0% vs 03-2025
05-2025: 3.7%▲ +3.6% vs 04-2025
06-2025: 4.6%▲ +23.8% vs 05-2025
07-2025: 6.0%▲ +32.0% vs 06-2025highest value
08-2025: 5.9%▼ -2.1% vs 07-2025
09-2025: 5.9%▲ +0.6% vs 08-2025
10-2025: 5.5%▼ -7.7% vs 09-2025
11-2025: 5.5%● 0.0% vs 10-2025
12-2025: 2.3%▼ -57.8% vs 11-2025
01-2026: 2.3%● 0.0% vs 12-2025
02-2026: 2.3%▼ -2.6% vs 01-2026
03-2026: 2.3%● 0.0% vs 02-2026
04-2026: 2.2%▼ -0.2% vs 03-2026
05-2026: 2.2%● 0.0% vs 04-2026
06-2026: 2.2%● 0.0% vs 05-2026
07-2026: 2.2%● 0.0% vs 06-2026
08-2026: 2.2%● 0.0% vs 07-2026
09-2026: 2.4%▲ +5.6% vs 08-2026
10-2026: 0.6%▼ -76.1% vs 09-2026lowest value
- Liquidity: current ratio 1.22, cash €16,563 lowers the probability
- Size: total assets €42,156 raises the probability for this profile
- Founded in 2019 raises the probability for this profile
- Figures for FY 2026 (filed 11-09-2026) lowers the probability
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.22 against 0.69 in 2025; short-term debt: 80.4% and cash: 39.3% of total assets), and 80.4% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 31%, liquidity 61%, profitability 95%, growth against the median 96%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2026 was due by 31-01-2027 and was filed on 11-09-2026, 142 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2026
142 d early
2025
80 d early
2023
47 d early
2022
36 d early
2021
27 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 66 days before the deadline; the sector median for financial year 2023 is 2 days before the deadline, and 40% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2027 and is due by 31-01-2028. Nothing is late today. Usually files around 15 December (4 of the last 5 filed years within 33 days of that day).
Companies Code · seven monthsPosition in the running window
05-10-2026 today30-06-2027 close31-01-2028 deadline
- Annual accounts filedfiscal year 2026 · micro…
- Back to profitnet €16,845
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 7
- Since
- 2022
- Next accounts
- by 31-01-2028
- 11-09-2026Annual accounts filed
- 30-06-2026Back to profit
- 12-11-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Wholesale tradeNACE 46712
- Founded
- 28-11-2019
- Year ends
- 30-06
- Peppol
- Reachable for e-invoices
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