Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of AMJAD is 14.2% (high). The 2024 annual accounts show equity of €5k and a net result of €-4k. Its solvency ranks better than 50% of 6698 sector peers (fiscal year 2024). 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).
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone14.2%
High
0%0,5%1,5%4%10%≥25%
Young company
+Recent warning signals
+Higher-failure-rate region
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Insolvency timeline
1 events08-08-2025
KBO administration
Address struck
Filing behaviour
From the deposit records, complete market-wideFiled after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 26 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2024 | 31-07-2025 | 26-08-2025 | 26 d late | 2025-00411141 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsYoung company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
1 eventAddress struck
Financials
Turnover€83k
EBIT margin-5.1%
Net result€-4k
Working capital€5k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 26-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 20.0% | 20.4% | |
| Net result | €-4k | €4k | |
| Equity | €5k | €16k | |
| Gross operating margin | €-4k | €24k | |
| Total assets | €24k | €94k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | €83k |
| EBITDA | - |
| Net profit | €-4k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €24k |
| Equity | €5k |
| Debt | €19k |
| of which ≤ 1y | €19k |
| of which > 1y | - |
| Working capital | €5k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.25 |
| Quick ratio | 0.71 |
| Working capital ratio | 20.0% |
| Solvency | 20.0% |
| Debt / equity | 4.01 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | -5.1% |
| Net margin | -5.1% |
| ROA | -17.8% |
| ROE | -89.3% |
| EBITDA margin | - |
| Days sales outstanding | 47d |
| Days payable outstanding | 72d |
| Inventory turnover | 8.50 |
| Days inventory (DSI) | 43d |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €24k |
| Current assets | 29/58 | €24k |
| Stocks & contracts in progress | 3 | €10k |
| Amounts receivable within one year | 40/41 | €11k |
| Cash & bank | 54/58 | €3k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €24k |
| Equity | 10/15 | €5k |
| Contributions / capital | 10/11 | €9k |
| Accumulated profits (losses) | 14 | €-4k |
| Amounts payable | 17/49 | €19k |
| Amounts payable within one year | 42/48 | €19k |
| Trade debts payable within one year | 44 | €17k |
| Income statement | ||
| Turnover | 70 | €83k |
| Gross operating margin | 9900 | €-4k |
| Operating result | 9901 | €-4k |
| Financial charges | 65 | €0 |
| Result before taxes | 9903 | €-4k |
| Net result for the period | 9904 | €-4k |
| Result to be appropriated | 9905 | €-4k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed35
/ 100
Weak
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Directors
Directors & mandates
2 directorsCurrent directors & mandates
-
Current30-01-2025 → present
Former directors (1)
-
Former- → 30-01-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen(47110) |
| Legal form | Private limited company(610) |
| Incorporation | 15-01-2024 |
| Status | Active |
| Postal code | 1030 |
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Anatole Francestraat 801030 SchaarbeekEstablishment units
1 locationAMJAD
since 20242.354.533.359
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area171 m²
Buildings2
Building footprint114 m²
Volume (LiDAR)1,233 m³
Tallest building14.2 m · ±4 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
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. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
1 event from the State Gazette08-08-2025
KBO administration
Address struck
Time machine: BS events + macro context
2021-2026Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad · acts
3 acts Address history · 1
30-10-2025
v3.2
All acts · 3
updated 9 months ago
2025
30-10-2025 Registered office moved from Anderlecht to Schaarbeek
- Scheutlaan 151, 1070 Anderlecht → Anatole Francestraat 80, 1030 Schaarbeek
Summary:
v3.2
30-01-2025 1 director appointed, 1 resigning
2024
17-01-2024 Incorporation of a new BV
Summary:
oprichting
Analysis
Snowflake analysis
financial profile on 5 axes31
/ 100
Fragile profile, watch profitability in particular.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
35
Profitability
0
Solvency
30
Growth
-
Stability
59
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verdict per customer and amountSimilar
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Company registry
Company registry (CBE)
Crossroads BankActivities
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 100 m² en minder dan 400 m²)47113
Primary activity highlighted.
Names & trade names
| Legal nameNL | AMJAD |
Registered office
Anatole Francestraat 80
1030 Schaarbeek, Belgium
Registration history
- 08-08-2025 Address struck
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.