AJWA
ActiveSummary
The computed 12-month bankruptcy probability of AJWA is 2.4% (moderate). The 2025 annual accounts show equity of €24,263 and a net result of €5,701. Equity is growing by ~11.1% per year across the filed fiscal years. Its solvency ranks better than 50% of 18626 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability63=
Solvency59▲+2
Growth37▲+2
Track record100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity tight (current ratio 1.4 against 1.28 in 2024; short-term debt: 56.9% and cash: 51.8% of total assets), and 65.6% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
34.4%
Return on assets
8.1%
Age of the figures
9 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 24-08-2026, 24 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 · 5 filingsDeviation from the deadline
2025
24 d late
2024
3 d early
2023
61 d late
2022
61 d late
2021
9 d late
← 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 30 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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 24 August (4 of the last 5 filed years within 37 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Turnover
€438,213▲ 3.3%
2024 · €424,276
EBIT margin
1.7%▲ 0.4pp
2024 · 1.4%
Net result
€5,701▲ 2.6%
2024 · €5,557
Working capital
€15,879▲ 82.0%
2024 · €8,726
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Line20212022202320242025
Turnover€628,290-€345,522▼ 45.0%€394,958▲ 14.3%€424,276▲ 7.4%€438,213▲ 3.3%
Operating result€23,477--€192-€1,898▼ 890%€5,814€7,654▲ 31.6%
Net result€19,870within the sector's middle half--€787within the sector's middle half-€2,078within the sector's middle half▼ 164%€5,557within the sector's middle half€5,701within the sector's middle half▲ 2.6%
EBIT margin3.7%--0.1%▼ 3.8pp-0.5%▼ 0.4pp1.4%▲ 1.9pp1.7%▲ 0.4pp
Equity€15,870within the sector's middle half-€15,083within the sector's middle half▼ 5.0%€13,005within the sector's middle half▼ 13.8%€18,562within the sector's middle half▲ 42.7%€24,263within the sector's middle half▲ 30.7%
Total assets€40,557below the sector's middle half-€37,735below the sector's middle half▼ 7.0%€56,409below the sector's middle half▲ 49.5%€57,933within the sector's middle half▲ 2.7%€70,586within the sector's middle half▲ 21.8%
Debt€24,687-€22,653▼ 8.2%€43,404▲ 91.6%€39,371▼ 9.3%€46,323▲ 17.7%
Working capital€15,870within the sector's middle half-€15,083within the sector's middle half▼ 5.0%€3,743within the sector's middle half▼ 75.2%€8,726within the sector's middle half▲ 133%€15,879within the sector's middle half▲ 82.0%
Solvency39.1%within the sector's middle half-40.0%within the sector's middle half▲ 0.8pp23.1%within the sector's middle half▼ 16.9pp32.0%within the sector's middle half▲ 9.0pp34.4%within the sector's middle half▲ 2.3pp
Current ratio1.64within the sector's middle half-1.67within the sector's middle half▲ 0.021.09within the sector's middle half▼ 0.581.28within the sector's middle half▲ 0.191.40within the sector's middle half▲ 0.11
Return on assets (ROA)49.0%above the sector's middle half--2.1%within the sector's middle half▼ 51.1pp-3.7%within the sector's middle half▼ 1.6pp9.6%within the sector's middle half▲ 13.3pp8.1%within the sector's middle half▼ 1.5pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, 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
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 32% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70,586
Fixed assets
€14,540 ▼ 19.6%
Current assets
€56,046 ▲ 40.7%
Equity and liabilities €70,586
Equity
€24,263 ▲ 30.7%
Debt
€46,323 ▲ 17.7%
Debt's share of the balance-sheet total falls from 68.0% to 65.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€11,204▲
2024 · €9,364
Cash flow
€9,251▲
2024 · €9,107
Quick ratio
0.91▲
2024 · 0.54
Debt to equity
1.91▼
2024 · 2.12
ROE
23.5%▼
2024 · 29.9%
Interest coverage
211.40▲
2024 · 36.44
Debt ≤ 1 year
€40,167▲
2024 · €31,117
Debt > 1 year
€6,156▼
2024 · €8,254
Income taxes
€1,900
Staff costs
€24,000
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €628,290 | €345,522 | €394,958 | €424,276 | €438,213 | ▲ 3.3% |
| Goods, raw materials, services and sundry goods60/61 | €611,566 | €351,474 | €397,012 | €412,041 | €419,065 | ▲ 1.7% |
| Remuneration, social security and pensions62 | - | - | - | - | €24,000 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €425 | €3,550 | €3,550 | = |
| Other operating charges640/8 | €2,368 | €800 | €2,019 | €2,871 | €1,944 | ▼ 32.3% |
| Gross operating margin9900 | €25,845 | €608 | €545 | €12,235 | €37,148 | ▲ 204% |
| Operating profit (loss)9901 | €23,477 | -€192 | -€1,898 | €5,814 | €7,654 | ▲ 31.6% |
| Financial income75/76B | - | €1 | - | - | - | - |
| Recurring financial income75 | - | €1 | - | - | - | - |
| Financial charges65/66B | €107 | €517 | €162 | €257 | €53 | ▼ 79.4% |
| Recurring financial charges65 | €107 | €517 | €162 | €257 | €53 | ▼ 79.4% |
| Profit (loss) for the period before taxes9903 | €23,370 | -€707 | -€2,059 | €5,557 | €7,601 | ▲ 36.8% |
| Income taxes67/77 | €3,500 | €80 | €19 | - | €1,900 | - |
| Profit (loss) for the period9904 | €19,870 | -€787 | -€2,078 | €5,557 | €5,701 | ▲ 2.6% |
| Profit (loss) for the period to be appropriated9905 | €19,870 | -€787 | -€2,078 | €5,557 | €5,701 | ▲ 2.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €40,557 | €37,735 | €56,409 | €57,933 | €70,586 | ▲ 21.8% |
| Fixed assets21/28 | - | - | €11,262 | €18,090 | €14,540 | ▼ 19.6% |
| Tangible fixed assets22/27 | - | - | €11,262 | €18,090 | €14,540 | ▼ 19.6% |
| Plant, machinery and equipment23 | - | - | €10,369 | €17,633 | €14,520 | ▼ 17.7% |
| Furniture and vehicles24 | - | - | €893 | €457 | €20 | ▼ 95.6% |
| Current assets29/58 | €40,557 | €37,735 | €45,147 | €39,843 | €56,046 | ▲ 40.7% |
| Stocks and contracts in progress3 | €18,866 | €31,251 | €19,479 | €22,928 | €19,478 | ▼ 15.0% |
| Stocks30/36 | €18,866 | €31,251 | €19,479 | €22,928 | €19,478 | ▼ 15.0% |
| Amounts receivable within one year40/41 | €537 | €2,010 | €24,510 | - | - | - |
| Trade receivables40 | €537 | €1,692 | €23,591 | - | - | - |
| Other amounts receivable41 | - | €318 | €918 | - | - | - |
| Cash at bank and in hand54/58 | €21,153 | €2,527 | €852 | €16,915 | €36,568 | ▲ 116% |
| Deferred charges and accrued income490/1 | - | €1,948 | €306 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €40,557 | €37,735 | €56,409 | €57,933 | €70,586 | ▲ 21.8% |
| Equity10/15 | €15,870 | €15,083 | €13,005 | €18,562 | €24,263 | ▲ 30.7% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Outside capital11 | - | - | - | €2,000 | - | - |
| Other1109/19 | - | - | - | €2,000 | - | - |
| Profit (loss) carried forward14 | €13,870 | €13,083 | €11,005 | €16,562 | €22,263 | ▲ 34.4% |
| Amounts payable17/49 | €24,687 | €22,653 | €43,404 | €39,371 | €46,323 | ▲ 17.7% |
| Amounts payable after more than one year17 | - | - | - | €8,254 | €6,156 | ▼ 25.4% |
| Financial debts170/4 | - | - | - | €8,254 | €6,156 | ▼ 25.4% |
| Amounts payable within one year42/48 | €24,687 | €22,653 | €41,404 | €31,117 | €40,167 | ▲ 29.1% |
| Trade debts44 | €11,191 | €7,989 | €32,485 | €19,882 | €23,999 | ▲ 20.7% |
| Suppliers440/4 | €11,191 | €7,989 | €32,485 | €19,882 | €23,999 | ▲ 20.7% |
| Taxes, remuneration and social security45 | €7,497 | €5,663 | €2,726 | €3,667 | €8,860 | ▲ 142% |
| Taxes450/3 | €7,497 | €5,663 | €2,726 | €3,667 | €6,860 | ▲ 87.1% |
| Remuneration and social security454/9 | - | - | - | - | €2,000 | - |
| Other amounts payable47/48 | €6,000 | €9,000 | €6,193 | €7,568 | €7,308 | ▼ 3.4% |
| Accrued charges and deferred income492/3 | - | - | €2,000 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €19,870 | -€787 | -€2,078 | €5,557 | €5,701 | ▲ 2.6% |
| + Depreciation and write-downs630 | - | - | €425 | €3,550 | €3,550 | = |
| Operating cash flow (approximation) | €19,870 | -€787 | -€1,654 | €9,107 | €9,251 | ▲ 1.6% |
| Investment in fixed assets (approximation) | - | - | - | -€10,378 | €0 | ▲ 100% |
| Change in cash | - | -€18,626 | -€1,675 | €16,063 | €19,653 | ▲ 22.3% |
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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €5,557
Net result €5,557 after 2 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Weakest financial yearnet -€2,078
Net result drops to -€2,078, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Beloeil · 2 establishment units since 2020
Ground area
370 m²
Building footprint
163 m²
Volume, LiDAR
1,298 m³
2 parcels, Wallonia · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
AJWA
since 20202.302.556.504
BASECLES DAY SHOP
since 20252.382.603.377
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51007A0757/00H000 | Wallonia | 250 m² | 1 · 108 m² | 10.0 m · 3 fl. |
| 51007A0758/00G000 | Wallonia | 119 m² | 1 · 54 m² | 9.8 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBeloeil2.302.556.504
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Of 10,509 companies in sector 47110 we hold annual accounts for 5,853. 4,281 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
Founded13-05-2020
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Contact
E-mail
asif2fayzan@yahoo.co.uk
Phone
0486779558
E-invoicing
Reachable via Peppol
Peppol ID
0208:0746861297
Also
9925:BE0746861297
Registered
13-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.