ARJUMA
ActiveARJUMA has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €263k and a net result of €-4k. Equity is growing by ~22.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 8601 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▼-35
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 22.85 against 48.96 in 2024; short-term debt: 2.2% and cash: 3.4% of total assets), and 2.4% 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 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
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
26 d late
2024
71 d early
2023
37 d early
2022
123 d early
2021
41 d early
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€263k▼ 17.0%
2024 · €317k
2021: €70k
2022: €123k
2023: €255k
2024: €317k
2021 → 2025
Total assets
€270k▼ 16.8%
2024 · €324k
2021: €97k
2022: €140k
2023: €272k
2024: €324k
2021 → 2025
Net result
€-4k
2024 · €62k
2021: €65k
2022: €53k
2023: €132k
2024: €62k
2021 → 2025
Working capital
€132k▼ 55.9%
2024 · €299k
2021: €68k
2022: €120k
2023: €238k
2024: €299k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€70k-€123k▲ 75.2%€255k▲ 108%€317k▲ 24.4%€263k▼ 17.0%
Operating result€91k-€76k▼ 17.2%€171k▲ 127%€74k▼ 56.6%€-9k
Net result€65k-€53k▼ 19.1%€132k▲ 151%€62k▼ 52.9%€-4k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9k after €74k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €270k
Fixed assets
€132k▲ 582%
Current assets
€138k▼ 54.8%
Equity and liabilities €270k
Equity
€263k▼ 17.0%
Debt
€7k▼ 4.3%
The debt ratio rises from 2.1% to 2.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€590▼
2024 · €83k
Cash flow
€6k▼
2024 · €71k
Solvency
97.6%▼
2024 · 97.9%
Current ratio
22.85▼
2024 · 48.96
Quick ratio
22.85▼
2024 · 48.96
Debt / equity
0.02▲
2024 · 0.02
ROE
-1.5%▼
2024 · 19.6%
ROA
-1.5%▼
2024 · 19.2%
Interest coverage
4.92▼
2024 · 434.14
Debt
€7k▼
2024 · €7k
Debt ≤ 1 year
€6k▼
2024 · €6k
Income taxes
€1k▼
2024 · €20k
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€324k€270k▼
Fixed assets21/28€19k€132k▲
Tangible fixed assets22/27€19k€10k▼
Plant, machinery and equipment23€1k€465▼
Furniture and vehicles24€18k€10k▼
Other tangible fixed assets26€255€99▼
Financial fixed assets28€300€122k▲
Current assets29/58€305k€138k▼
Amounts receivable within one year40/41€158k€128k▼
Trade receivables40€18k€26k▲
Other amounts receivable41€140k€102k▼
Cash at bank and in hand54/58€145k€9k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€324k€270k▼
Equity10/15€317k€263k▼
Contributions10/11€5k€5k=
Reserves13€312k€258k▼
Distributable reserves133€312k€258k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€7k€7k▼
Amounts payable within one year42/48€6k€6k▼
Trade debts44€651€1k▲
Suppliers440/4€651€1k▲
Taxes, remuneration and social security45€5k€5k▼
Taxes450/3€5k€5k▼
Other amounts payable47/48€500€0▼
Accrued charges and deferred income492/3€604€507▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€10k▲
Other operating charges640/8€1k€803▼
Gross operating margin9900€84k€1k▼
Operating profit (loss)9901€74k€-9k▼
Financial income75/76B€8k€6k▼
Recurring financial income75€8k€6k▼
Financial charges65/66B€191€120▼
Recurring financial charges65€191€120▼
Profit (loss) for the period before taxes9903€82k€-3k▼
Income taxes67/77€20k€1k▼
Profit (loss) for the period9904€62k€-4k▼
Profit (loss) for the period to be appropriated9905€62k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€62k€-4k▼
Transfer from equity791/2-€54k
Transfer to equity691/2€62k€0▼
To other reserves6921€62k€0▼
Profit to be distributed694/7-€50k
Return on contributions (dividend)694-€50k
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
31-12
Financial
Weakest financial yearnet €-4k ▼107%
Net result drops to €-4k, the lowest in the series.
21-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 48.96
Current ratio from 15.21 to 48.96; short-term debt falls from €17k to €6k.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €132k ▲151%
Operating result €171k, net result €132k, both a record.
31-12
Financial
Equity above €200kEq €255k ▲108%
3 profitable years in a row build equity to €255k.
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 8.00
Current ratio from 3.50 to 8.00; short-term debt falls from €27k to €17k.
31-12
Financial
Equity above €100kEq €123k ▲75.2%
2 profitable years in a row build equity to €123k.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Ramillies · 1 establishment unit since 2021
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.
Rue de Beaulieu 11367 RamilliesGround area
886 m²
Parcel 25042C0204/00H000, Wallonia. Linked by address, not a title deed.
1 establishment unit
ARJUMA
since 20212.312.153.762
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25042C0204/00H000 | Wallonia | 886 m² | - | - |
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
BLUE HEAT
BE 0837.271.633
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ELRACO
BE 0634.700.001
Tongeren-Borgloon · Eq €263k
BALANCE
BE 0779.773.595
Zemst · Eq €263k
VERTICON
BE 0847.525.325
Herenthout · Eq €263k
IMPETUS ACADEMY
BE 0739.785.247
Aalter · Eq €263k
Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 38,727 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-01-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82300Organisation of conventions and trade shows
82990Other business support services
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.