ANJO
ActiveSummary
ANJO has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.8m and a net result of €95,020. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 38% of 8711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability52▲+15
Solvency64▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €190,000 at 30 days acceptable
Liquidity short (current ratio 0.09 against 0.11 in 2024; short-term debt: 27.4% and cash: 0.8% of total assets), and 60.7% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
39.3%
Return on assets
1.3%
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 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
31 d late
2022
3 d early
2021
31 d late
2020
30 d late
2019
98 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 36 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% 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.
Companies Code · seven monthsPosition in the running window
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€2.8m▲ 3.5%
2024 · €2.7m
Total assets
€7.1m▼ 3.1%
2024 · €7.4m
Net result
€95,020
2024 · -€40,770
Working capital
-€1.8m▼ 3.8%
2024 · -€1.7m
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€408,895▼ 38.4%€12,264▼ 97.0%-€62,996€46,376€206,105▲ 344%
Net result€267,646▼ 45.8%-€30,420-€123,194▼ 305%-€40,770▲ 66.9%€95,020
Equity€2.9m▲ 10.2%€2.9m▼ 1.0%€2.7m▼ 4.3%€2.7m▼ 1.5%€2.8m▲ 3.5%
Total assets€6.1m▲ 2.5%€5.5m▼ 8.8%€6.6m▲ 19.8%€7.4m▲ 11.0%€7.1m▼ 3.1%
Debt€3.0m▼ 5.3%€2.5m▼ 16.7%€3.7m▲ 49.7%€4.5m▲ 21.0%€4.2m▼ 7.1%
Working capital€865,507▼ 4.2%-€75,435-€429,490▼ 469%-€1.7m▼ 297%-€1.8m▼ 3.8%
Turnover and EBIT margin not published: the abbreviated or 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 344% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.1m
Fixed assets
€6.9m ▼ 2.8%
Current assets
€185,317 ▼ 13.0%
Equity and liabilities €7.1m
Equity
€2.8m ▲ 3.5%
Provisions
€170,835 ▼ 4.6%
Debt
€4.2m ▼ 7.1%
Debt's share of the balance-sheet total falls from 60.8% to 58.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€463,608▲
2024 · €286,372
Cash flow
€352,523▲
2024 · €199,227
Current ratio
0.09▼
2024 · 0.11
Debt to equity
1.48▼
2024 · 1.65
ROE
3.4%▲
2024 · -1.5%
ROA
1.3%▲
2024 · -0.6%
Interest coverage
3.82▲
2024 · 2.31
Debt ≤ 1 year
€2.0m▲
2024 · €1.9m
Debt > 1 year
€2.2m▼
2024 · €2.6m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €212,277 | - | €30,219 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €108,231 | €287,792 | €167,979 | €239,996 | €257,503 | ▲ 7.3% |
| Other operating charges640/8 | €68,321 | €53,186 | €265,950 | €72,997 | €48,622 | ▼ 33.4% |
| Non-recurring operating charges66A | - | €86 | - | - | - | - |
| Gross operating margin9900 | €585,447 | €353,329 | €370,934 | €359,370 | €512,229 | ▲ 42.5% |
| Operating profit (loss)9901 | €408,895 | €12,264 | -€62,996 | €46,376 | €206,105 | ▲ 344% |
| Financial income75/76B | €26,429 | €23,785 | €33,765 | €28,449 | €2,244 | ▼ 92.1% |
| Recurring financial income75 | €26,429 | €23,785 | €33,765 | €28,449 | €2,244 | ▼ 92.1% |
| Financial charges65/66B | €78,021 | €73,836 | €101,745 | €123,865 | €121,517 | ▼ 1.9% |
| Recurring financial charges65 | €78,021 | €73,836 | €101,745 | €123,865 | €121,517 | ▼ 1.9% |
| Profit (loss) for the period before taxes9903 | €357,303 | -€37,786 | -€130,975 | -€49,039 | €86,832 | ▲ 277% |
| Transfer from deferred taxes780 | €3,956 | €7,367 | €7,781 | €8,270 | €8,188 | ▼ 1.0% |
| Transfer to deferred taxes680 | €53,069 | - | - | - | - | - |
| Income taxes67/77 | €40,544 | - | - | - | - | - |
| Profit (loss) for the period9904 | €267,646 | -€30,420 | -€123,194 | -€40,770 | €95,020 | ▲ 333% |
| Transfer from tax-exempt reserves789 | €11,875 | €22,106 | €23,349 | €24,816 | €24,571 | ▼ 1.0% |
| Transfer to tax-exempt reserves689 | €159,207 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €120,313 | -€8,313 | -€99,844 | -€15,954 | €119,590 | ▲ 850% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €6.1m | €5.5m | €6.6m | €7.4m | €7.1m | ▼ 3.1% |
| Fixed assets21/28 | €3.3m | €4.1m | €5.5m | €7.1m | €6.9m | ▼ 2.8% |
| Tangible fixed assets22/27 | €3.3m | €4.1m | €5.5m | €7.1m | €6.9m | ▼ 2.8% |
| Land and buildings22 | €3.3m | €4.1m | €5.5m | €7.1m | €6.9m | ▼ 2.8% |
| Financial fixed assets28 | €10,673 | €1,423 | €2,423 | €6,823 | €6,823 | = |
| Current assets29/58 | €2.8m | €1.4m | €1.1m | €212,971 | €185,317 | ▼ 13.0% |
| Amounts receivable within one year40/41 | €496,100 | €66,693 | €62,555 | €33,652 | €22,625 | ▼ 32.8% |
| Trade receivables40 | €7,300 | €7,300 | - | €7,789 | €16,720 | ▲ 115% |
| Other amounts receivable41 | €488,800 | €59,393 | €62,555 | €25,864 | €5,905 | ▼ 77.2% |
| Current investments50/53 | €2.0m | €1.0m | €500,000 | - | €100,077 | - |
| Cash at bank and in hand54/58 | €268,719 | €374,471 | €527,394 | €165,592 | €59,931 | ▼ 63.8% |
| Deferred charges and accrued income490/1 | €10,176 | - | €11,471 | €13,727 | €2,684 | ▼ 80.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €6.1m | €5.5m | €6.6m | €7.4m | €7.1m | ▼ 3.1% |
| Equity10/15 | €2.9m | €2.9m | €2.7m | €2.7m | €2.8m | ▲ 3.5% |
| Contributions10/11 | €1.0m | €1.0m | €1.0m | €1.0m | €1.0m | = |
| Capital10 | €1.0m | €1.0m | €1.0m | €1.0m | €1.0m | = |
| Issued capital100 | €1.0m | €1.0m | €1.0m | €1.0m | €1.0m | = |
| Reserves13 | €1.9m | €1.8m | €1.7m | €1.7m | €1.8m | ▲ 5.7% |
| Non-distributable reserves130/1 | €102,519 | €102,519 | €102,519 | €102,519 | €102,519 | = |
| Legal reserve130 | €102,519 | €102,519 | €102,519 | €102,519 | €102,519 | = |
| Tax-exempt reserves132 | €644,918 | €622,812 | €599,463 | €574,647 | €550,077 | ▼ 4.3% |
| Distributable reserves133 | €1.1m | €1.1m | €1.0m | €1.0m | €1.1m | ▲ 11.9% |
| Provisions and deferred taxes16 | €202,440 | €195,074 | €187,292 | €179,023 | €170,835 | ▼ 4.6% |
| Deferred taxes168 | €202,440 | €195,074 | €187,292 | €179,023 | €170,835 | ▼ 4.6% |
| Amounts payable17/49 | €3.0m | €2.5m | €3.7m | €4.5m | €4.2m | ▼ 7.1% |
| Amounts payable after more than one year17 | €1.1m | €951,423 | €2.2m | €2.6m | €2.2m | ▼ 13.9% |
| Financial debts170/4 | €1.1m | €949,915 | €2.2m | €2.6m | €2.2m | ▼ 13.9% |
| Other amounts payable178/9 | - | €1,507 | €1,507 | €1,507 | €1,507 | = |
| Amounts payable within one year42/48 | €1.9m | €1.5m | €1.5m | €1.9m | €2.0m | ▲ 2.0% |
| Current portion of amounts payable after more than one year42 | €202,962 | €205,098 | €183,658 | €367,061 | €340,691 | ▼ 7.2% |
| Trade debts44 | €782 | €9,515 | €12,658 | €12,312 | €3,958 | ▼ 67.9% |
| Suppliers440/4 | €782 | €9,515 | €12,658 | €12,312 | €3,958 | ▼ 67.9% |
| Advances received on contracts in progress46 | €14,861 | €2,030 | €16,247 | €24,023 | €15,617 | ▼ 35.0% |
| Taxes, remuneration and social security45 | €12,243 | €12,344 | €17,777 | €25,466 | €23,529 | ▼ 7.6% |
| Taxes450/3 | €12,243 | €12,344 | €17,777 | €25,466 | €23,529 | ▼ 7.6% |
| Other amounts payable47/48 | €1.7m | €1.3m | €1.3m | €1.5m | €1.6m | ▲ 5.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €267,646 | -€30,420 | -€123,194 | -€40,770 | €95,020 | ▲ 333% |
| + Depreciation and write-downs630 | €108,231 | €287,792 | €167,979 | €239,996 | €257,503 | ▲ 7.3% |
| Operating cash flow (approximation) | €375,877 | €257,372 | €44,786 | €199,227 | €352,523 | ▲ 76.9% |
| Investment in fixed assets (approximation) | - | -€1.1m | -€1.6m | -€1.9m | -€54,728 | ▲ 97.1% |
| Change in cash | - | €105,752 | €152,923 | -€361,802 | -€105,661 | ▲ 70.8% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Back to profitnet €95,020
Net result €95,020 after 3 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet -€123,194
Net result drops to -€123,194, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €493,730 ▲167%
Operating result €663,823, net result €493,730, both a record.
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 98 days late
2019
31-12
Financial
Equity above €2mEq €2.1m ▲9.5%
2 profitable years in a row build equity to €2.1m.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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 1991
Ground area
1,936 m²
Building footprint
1,361 m²
Volume, LiDAR
5,447 m³
2 parcels, Flanders · tallest building 12.3 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
ANJO
since 19912.054.427.732
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36015A1078/00Z003 | Flanders | 1,521 m² | 1 · 1,274 m² | 12.3 m · 1 fl. |
| 36015A1078/00A003 | Flanders | 415 m² | 1 · 87 m² | 8.5 m · 2 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
Legal Entity Identifier
2549000DVEE3XVGT6771
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Of 5,712 companies in sector 70100 we hold annual accounts for 3,502. 1,427 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded06-06-1991
Fiscal year end31-12
Activities, NACEBEL 2025
70100Activities of head offices
66199Other activities auxiliary to financial services, excluding insurance and pension funding
68110Buying and selling of own real estate
Scores and ratios are computed by Checked and are not a credit decision.