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AMJAD

Active
Private limited companyfounded 20242 yrs activeAnatole Francestraat 80, 1030 Schaarbeek, BelgiumKBO/BCE: BE 1004.706.204
Summary

The computed 12-month bankruptcy probability of AMJAD is 9.4% (elevated). The 2025 annual accounts show equity of €10,401 and a net result of €5,647. Its solvency ranks better than 41% of 18626 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).

Checked score

Score 2025
Axes · tick = 2024
Profitability69▲+69
Solvency48▲+3
Growth85
Track record74
Bankruptcy probability, 12 months
9.4% Elevated
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.46 against 1.25 in 2024; short-term debt: 50% and cash: 33.1% of total assets), and 76.7% of the assets are financed with debt.
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Signals

Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · Recent warning signals
The last 24 months brought warning signals in the Staatsblad or the KBO, and those often pile up before a bankruptcy.
Belgian State Gazette
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 →
raises risk · Ex-officio strike-off
The KBO struck this company off ex officio, which points to unmet obligations and often precedes a bankruptcy.
KBO publications
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 27-07-2026, 4 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
4 d early
2024
26 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 11 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publications
Publications
Address struck
Checked, nothing found (1)
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 months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline

History

On 15 January 2024, AMJAD was incorporated as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Turnover
€183,479▲ 121%
2024 · €82,873
EBIT margin
3.2%▲ 8.4pp
2024 · -5.1%
Net result
€5,647
2024 · -€4,246
Working capital
€10,195▲ 114%
2024 · €4,754
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
Line20242025
Turnover€82,873-€183,479▲ 121%
Operating result-€4,246-€5,922
Net result-€4,246below the sector's middle half-€5,647within the sector's middle half
EBIT margin-5.1%-3.2%▲ 8.4pp
Equity€4,754within the sector's middle half-€10,401within the sector's middle half▲ 119%
Total assets€23,803below the sector's middle half-€44,592below the sector's middle half▲ 87.3%
Debt€19,049-€34,191▲ 79.5%
Working capital€4,754within the sector's middle half-€10,195within the sector's middle half▲ 114%
Solvency20.0%within the sector's middle half-23.3%within the sector's middle half▲ 3.4pp
Current ratio1.25within the sector's middle half-1.46within the sector's middle half▲ 0.21
Return on assets (ROA)-17.8%below the sector's middle half-12.7%within the sector's middle half▲ 30.5pp
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
-€5,000€0€5,000Operating result 2024: -€4,246-€4,246Net result 2024: -€4,246-€4,246Operating result 2025: €5,922€5,922Net result 2025: €5,647€5,64720242025-€5,000€0€5,000Operating result 2024: -€4,246-€4,250Net result 2024: -€4,246-€4,250Operating result 2025: €5,922€5,920Net result 2025: €5,647€5,65020242025
The operating result returns to profit in 2025: €5,922 after a loss of €4,246 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €44,592
Fixed assets €12,095
Current assets €32,498
Equity and liabilities €44,592
Equity €10,401 ▲ 119%
Debt €34,191 ▲ 79.5%
Debt's share of the balance-sheet total falls from 80.0% to 76.7%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€7,727
Cash flow
€7,452
Quick ratio
0.82▲
2024 · 0.71
Debt to equity
3.29▼
2024 · 4.01
ROE
54.3%▲
2024 · -89.3%
Interest coverage
28.10
Debt ≤ 1 year
€22,303▲
2024 · €19,049
Debt > 1 year
€11,888
Staff costs
€18,521
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 7,976 companies that looked in July 2024 the way this one looks now, 3.6% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
3.6% went bankrupt
1.8% stopped otherwise
94% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 9.4% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.9%
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 7,976 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 38 lines
Balance sheet Code20242025
Assets
Total assets20/58€23,803€44,592▲
Fixed assets21/28-€12,095
Tangible fixed assets22/27-€12,095
Furniture and vehicles24-€12,095
Current assets29/58€23,803€32,498▲
Stocks and contracts in progress3€10,251€14,232▲
Stocks30/36€10,251€14,232▲
Amounts receivable within one year40/41€10,685€3,525▼
Other amounts receivable41€10,685€3,525▼
Cash at bank and in hand54/58€2,868€14,741▲
Equity and liabilities
Total equity and liabilities10/49€23,803€44,592▲
Equity10/15€4,754€10,401▲
Contributions10/11€9,000€9,000=
Profit (loss) carried forward14-€4,246€1,401▲
Amounts payable17/49€19,049€34,191▲
Amounts payable after more than one year17-€11,888
Financial debts170/4-€11,888
Amounts payable within one year42/48€19,049€22,303▲
Current portion of amounts payable after more than one year42-€9,662
Trade debts44€17,285€3,604▼
Suppliers440/4€17,285€3,604▼
Taxes, remuneration and social security45€1,764€4,742▲
Taxes450/3€1,764€4,742▲
Other amounts payable47/48-€4,295
Income statement Code20242025
Turnover70€82,873€183,479▲
Goods, raw materials, services and sundry goods60/61€87,119€154,350▲
Remuneration, social security and pensions62-€18,521
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€1,805
Other operating charges640/8-€2,882
Gross operating margin9900-€4,246€29,130▲
Operating profit (loss)9901-€4,246€5,922▲
Financial charges65/66B€0€275▲
Recurring financial charges65€0€275▲
Profit (loss) for the period before taxes9903-€4,246€5,647▲
Profit (loss) for the period9904-€4,246€5,647▲
Profit (loss) for the period to be appropriated9905-€4,246€5,647▲
Appropriation of the result
Profit (loss) to be appropriated9906-€4,246€1,401▲
Profit (loss) brought forward from the previous period14P--€4,246

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Turnover70€82,873€183,479▲ 121%
Goods, raw materials, services and sundry goods60/61€87,119€154,350▲ 77.2%
Remuneration, social security and pensions62-€18,521-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€1,805-
Other operating charges640/8-€2,882-
Gross operating margin9900-€4,246€29,130▲ 786%
Operating profit (loss)9901-€4,246€5,922▲ 239%
Financial charges65/66B€0€275▲ 274,930%
Recurring financial charges65€0€275▲ 274,930%
Profit (loss) for the period before taxes9903-€4,246€5,647▲ 233%
Profit (loss) for the period9904-€4,246€5,647▲ 233%
Profit (loss) for the period to be appropriated9905-€4,246€5,647▲ 233%
Line20242025Change
Assets
Total assets20/58€23,803€44,592▲ 87.3%
Fixed assets21/28-€12,095-
Tangible fixed assets22/27-€12,095-
Furniture and vehicles24-€12,095-
Current assets29/58€23,803€32,498▲ 36.5%
Stocks and contracts in progress3€10,251€14,232▲ 38.8%
Stocks30/36€10,251€14,232▲ 38.8%
Amounts receivable within one year40/41€10,685€3,525▼ 67.0%
Other amounts receivable41€10,685€3,525▼ 67.0%
Cash at bank and in hand54/58€2,868€14,741▲ 414%
Equity and liabilities
Total equity and liabilities10/49€23,803€44,592▲ 87.3%
Equity10/15€4,754€10,401▲ 119%
Contributions10/11€9,000€9,000=
Profit (loss) carried forward14-€4,246€1,401▲ 133%
Amounts payable17/49€19,049€34,191▲ 79.5%
Amounts payable after more than one year17-€11,888-
Financial debts170/4-€11,888-
Amounts payable within one year42/48€19,049€22,303▲ 17.1%
Current portion of amounts payable after more than one year42-€9,662-
Trade debts44€17,285€3,604▼ 79.2%
Suppliers440/4€17,285€3,604▼ 79.2%
Taxes, remuneration and social security45€1,764€4,742▲ 169%
Taxes450/3€1,764€4,742▲ 169%
Other amounts payable47/48-€4,295-
Line20242025Change
Profit (loss) for the period9904-€4,246€5,647▲ 233%
+ Depreciation and write-downs630-€1,805-
Operating cash flow (approximation)-€4,246€7,452▲ 276%
Change in cash-€11,873-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
27-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Back to profitnet €5,647
Net result €5,647 after one loss-making year.
26-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
08-08
KBO administration Address struck
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts

We know of 3 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
3 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, Schaarbeek · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
171 m²
Building footprint
114 m²
Volume, LiDAR
1,233 m³
2 parcels, Brussels, Wallonia · tallest building 14.2 m, ±4 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
AMJAD
Rue des Volontaires 5, 1300 WavreRetail trade
since 20242.354.533.359
2 parcels
Wallonia 1 (50%) Brussels 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
25112L0211/00M000 Wallonia 97 m² 1 · 55 m² 13.3 m · 4 fl.
21015A0101/00L005 Brussels 74 m² 1 · 59 m² 14.2 m · 4 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 site
Wavre2.354.533.359
1 permission
Toelating · Detailhandel · since 08-02-2024

Similar companies · same sector, comparable size

Of 10,509 companies in sector 47110 we hold annual accounts for 5,853. 3,502 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
Founded15-01-2024
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
E-invoicing
Reachable via Peppol
Peppol ID 0208:1004706204
Registered 11-12-2025

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.