AJOUR
ActiveAJOUR has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €102k and a net result of €207. Equity is shrinking by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 40% of 9388 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+39
Solvency68▼-16
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.34 against 2.14 in 2024; short-term debt: 35.3% and cash: 21.8% of total assets), and 56.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
43.3%
Return on assets
0.1%
Age of the figures
9 mo
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 02-07-2026, 29 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
29 d early
2024
37 d early
2023
34 d early
2022
12 d early
2021
27 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€102k▼ 25.6%
2024 · €137k
2021: €128k
2022: €160k
2023: €137k
2024: €137k
2021 → 2025
Total assets
€235k▲ 1.5%
2024 · €232k
2021: €172k
2022: €228k
2023: €173k
2024: €232k
2021 → 2025
Net result
€207▼ 30.7%
2024 · €298
2021: €123k
2022: €32k
2023: €-24k
2024: €298
2021 → 2025
Working capital
€28k▼ 73.9%
2024 · €108k
2021: €127k
2022: €158k
2023: €133k
2024: €108k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€128k-€160k▲ 24.9%€137k▼ 14.7%€137k▲ 0.2%€102k▼ 25.6%
Operating result€158k-€40k▼ 74.5%€-22k€3k€-2k
Net result€123k-€32k▼ 74.1%€-24k€298€207▼ 30.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2k after €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €235k
Fixed assets
€124k▲ 334%
Current assets
€111k▼ 45.2%
Equity and liabilities €235k
Equity
€102k▼ 25.6%
Debt
€133k▲ 40.6%
The debt ratio rises from 40.9% to 56.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€9k▲
2024 · €5k
Cash flow
€11k▲
2024 · €2k
Solvency
43.3%▼
2024 · 59.1%
Current ratio
1.34▼
2024 · 2.14
Quick ratio
1.19▼
2024 · 1.97
Debt / equity
1.31▲
2024 · 0.69
ROE
0.2%▼
2024 · 0.2%
ROA
0.1%▼
2024 · 0.1%
Interest coverage
13.75▲
2024 · 1.34
Debt
€133k▲
2024 · €95k
Debt ≤ 1 year
€83k▼
2024 · €95k
Debt > 1 year
€50k
Income taxes
€194▲
2024 · €57
Staff costs
€53k▲
2024 · €25k
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€232k€235k▲
Fixed assets21/28€29k€124k▲
Intangible fixed assets21€15k€109k▲
Tangible fixed assets22/27€13k€15k▲
Plant, machinery and equipment23€2k€7k▲
Furniture and vehicles24€11k€8k▼
Current assets29/58€203k€111k▼
Stocks and contracts in progress3€16k€12k▼
Stocks30/36€16k€12k▼
Amounts receivable within one year40/41€41k€43k▲
Trade receivables40€33k€40k▲
Other amounts receivable41€8k€3k▼
Cash at bank and in hand54/58€144k€51k▼
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€232k€235k▲
Equity10/15€137k€102k▼
Contributions10/11€5k€5k=
Reserves13€132k€97k▼
Distributable reserves133€132k€97k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€95k€133k▲
Amounts payable after more than one year17-€50k
Other amounts payable178/9-€50k
Amounts payable within one year42/48€95k€83k▼
Trade debts44€83k€34k▼
Suppliers440/4€83k€34k▼
Taxes, remuneration and social security45€6k€8k▲
Taxes450/3€1k€260▼
Remuneration and social security454/9€5k€8k▲
Other amounts payable47/48€5k€41k▲
Accrued charges and deferred income492/3€15€315▲
Income statement
Code20242025
Remuneration, social security and pensions62€25k€53k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€11k▲
Other operating charges640/8€731€750▲
Gross operating margin9900€31k€63k▲
Operating profit (loss)9901€3k€-2k▼
Financial income75/76B€754€3k▲
Recurring financial income75€754€3k▲
Financial charges65/66B€4k€666▼
Recurring financial charges65€4k€666▼
Profit (loss) for the period before taxes9903€355€400▲
Income taxes67/77€57€194▲
Profit (loss) for the period9904€298€207▼
Profit (loss) for the period to be appropriated9905€298€207▼
Appropriation of the result
Profit (loss) to be appropriated9906€298€207▼
Transfer from equity791/2€0€35k▲
Transfer to equity691/2€298€207▼
To other reserves6921€298€207▼
Profit to be distributed694/7-€35k
Return on contributions (dividend)694-€35k
The notes to these accounts (12 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €298
Net result €298 after one loss-making year.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-24k ▼174%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €160k ▲24.9%
2 profitable years in a row build equity to €160k.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Poperinge · 1 establishment unit since 2021
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.
Europalaan 18970 PoperingeGround area
449 m²
Building footprint
75 m²
Volume, LiDAR
305 m³
Parcel 33021E0484/00R000, Flanders · tallest building 4.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
AJOUR
since 20212.315.589.146
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33021E0484/00R000 | Flanders | 449 m² | 1 · 75 m² | 4.2 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 9 entries · 66,776 EUR awarded · 66,776 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 13,545 EUR | 45,845 EUR |
| 2024 | 3 | 518 EUR | 14,196 EUR |
| 2023 | 2 | 52,488 EUR | 6,510 EUR |
| 2022 | 1 | 225 EUR | 225 EUR |
Schemes
Kmo-groeisubsidie: steun voor groeitrajecten bij kmo's (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Subsidies voor internationaal ondernemen
Similar companies · same sector, comparable size
Racine Carrée
BE 0567.548.483
Jodoigne · Eq €102k
Architectenbureau Bob Van Delm
BE 0898.408.060
Leuven · Eq €102k
MEKERS-BROEKX ARCHITECTENVENNOOTSCHAP
BE 0898.366.488
Hasselt · Eq €102k
Centre d'études et de recherches urbaines
BE 0415.674.593
Sint-Gillis (bij-Brussel) · Eq €102k
ARCHIPLAN 9
BE 0774.476.209
Neupré · Eq €102k
Of 18,252 companies in sector 71111 we hold annual accounts for 6,319. 5,473 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-03-2021
Fiscal year end31-12
Activities, NACEBEL
46499Wholesale of other household goods
71111Activities of building architects
68121Development of residential building projects
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.