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ALJA

Active
Private limited companyfounded 20188 yrs activeSint-Jorisstraat 40, 8800 Roeselare, BelgiumKBO/BCE: BE 0694.956.401

ALJA has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €257k and a net result of €29k. Equity is growing by ~31.2% per year across the filed fiscal years. Its solvency ranks better than 54% of 8657 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Checked score

Score 2025
82 / 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-11
Solvency82▲+7
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity tight (current ratio 1.17 against 1.1 in 2024; short-term debt: 21.2% and cash: 16.8% of total assets), and 43.2% 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 riskneutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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 2025
Solvency, return and age of the figures
Solvency
56.8%
Return on assets
6.5%
Age of the figures
18 mo
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 date
Age against the risk zone
elevated failure risk from 2 to 8 years 8 years 0 10 y
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
on the day
2024
29 d late
2023
30 d late
2022
32 d early
2021
26 d early
2020
4 d early
← before the deadline after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven months
Position in the running window
31-03-2026 close21-09-2026 today31-10-2026 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity
€257k▲ 12.9%
2024 · €228k
2020: €74k 2021: €87k 2022: €119k 2023: €160k 2024: €228k
2020 → 2025
Total assets
€453k▲ 0.1%
2024 · €453k
2020: €312k 2021: €399k 2022: €380k 2023: €376k 2024: €453k
2020 → 2025
Net result
€29k▼ 56.7%
2024 · €68k
2020: €56k 2021: €13k 2022: €32k 2023: €41k 2024: €68k
2020 → 2025
Working capital
€16k▲ 74.1%
2024 · €9k
2020: €-11k 2021: €-56k 2022: €-44k 2023: €-22k 2024: €9k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€87k-€119k▲ 36.6%€160k▲ 34.5%€228k▲ 42.7%€257k▲ 12.9%
Operating result€22k-€49k▲ 127%€61k▲ 25.0%€98k▲ 61.1%€45k▼ 53.7%
Net result€13k-€32k▲ 151%€41k▲ 28.7%€68k▲ 66.6%€29k▼ 56.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€25k€50k€75k€100kOperating result 2021: €22k€22kNet result 2021: €13k€13kOperating result 2022: €49k€49kNet result 2022: €32k€32kOperating result 2023: €61k€61kNet result 2023: €41k€41kOperating result 2024: €98k€98kNet result 2024: €68k€68kOperating result 2025: €45k€45kNet result 2025: €29k€29k20212022202320242025
The operating result falls in 2025; 2025 is 54% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €453k
Fixed assets €341k▼ 2.8%
Current assets €112k▲ 10.0%
Equity and liabilities €453k
Equity €257k▲ 12.9%
Debt €196k▼ 12.9%
The debt ratio falls from 49.7% to 43.2%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€61k
2024 · €111k
Cash flow
€45k
2024 · €81k
Solvency
56.8%
2024 · 50.3%
Current ratio
1.17
2024 · 1.10
Quick ratio
1.17
2024 · 1.10
Debt / equity
0.76
2024 · 0.99
ROE
11.5%
2024 · 29.9%
ROA
6.5%
2024 · 15.1%
Interest coverage
13.57
2024 · 27.93
Debt
€196k
2024 · €225k
Debt ≤ 1 year
€96k
2024 · €93k
Debt > 1 year
€98k
2024 · €131k
Income taxes
€12k
2024 · €26k
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€453k€453k
Fixed assets21/28€351k€341k
Tangible fixed assets22/27€351k€341k
Land and buildings22€351k€341k
Current assets29/58€102k€112k
Amounts receivable within one year40/41€40k€14k
Trade receivables40€40k€14k
Other amounts receivable41-€23
Cash at bank and in hand54/58€41k€76k
Deferred charges and accrued income490/1€21k€22k
Equity and liabilities
Total equity and liabilities10/49€453k€453k
Equity10/15€228k€257k
Contributions10/11€19k€19k=
Outside capital11€19k-
Other1109/19€19k-
Reserves13€209k€239k
Distributable reserves133€209k€239k
Amounts payable17/49€225k€196k
Amounts payable after more than one year17€131k€98k
Financial debts170/4€131k€98k
Amounts payable within one year42/48€93k€96k
Current portion of amounts payable after more than one year42€32k€32k
Trade debts44€1k€5k
Suppliers440/4€1k€5k
Taxes, remuneration and social security45€9k€2k
Taxes450/3€6k€2k
Remuneration and social security454/9€3k€0
Other amounts payable47/48€50k€57k
Accrued charges and deferred income492/3€1k€1k
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€15k
Other operating charges640/8€5k€5k
Gross operating margin9900€116k€66k
Operating profit (loss)9901€98k€45k
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€4k€4k
Recurring financial charges65€4k€4k
Profit (loss) for the period before taxes9903€94k€41k
Income taxes67/77€26k€12k
Profit (loss) for the period9904€68k€29k
Profit (loss) for the period to be appropriated9905€68k€29k
Appropriation of the result
Profit (loss) to be appropriated9906€68k€29k
Transfer to equity691/2€68k€29k
To other reserves6921€68k€29k

The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-10-2026
2025
31-10
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
29-11
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
31-03
Financial Highest result since 2020net €68k ▲66.6%
Operating result €98k, net result €68k, both a record.
31-03
Financial Equity above €200kEq €228k ▲42.7%
5 profitable years in a row build equity to €228k.
2023
30-11
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
31-03
Financial Equity above €150kEq €160k ▲34.5%
4 profitable years in a row build equity to €160k.
2022
29-09
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial Equity above €100kEq €119k ▲36.6%
3 profitable years in a row build equity to €119k.
2021
05-10
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial Weakest financial yearnet €13k ▼77.2%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
2020
27-10
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
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, Roeselare · 1 establishment unit since 2018
establishment The establishment unit on the map
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.

Sint-Jorisstraat 408800 Roeselare
Ground area
730 m²
Building footprint
487 m²
Volume, LiDAR
2,299 m³
Parcel 36015A0293/00V002, Flanders · tallest building 7.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ALJA
Sint-Jorisstraat 40, 8800 RoeselareFinancial service activities, except insurance and pension funding
since 20182.275.459.751
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
36015A0293/00V002 Flanders 730 m² 1 · 487 m² 7.1 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.

Similar companies · same sector, comparable size

Of 5,700 companies in sector 70100 we hold annual accounts for 3,494. 2,345 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company
Founded20-04-2018
Fiscal year end31-03
Activities, NACEBEL
70100Activities of head offices
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.