B.J.K. IMPORT EXPORT
ActiveSummary
The computed 12-month bankruptcy probability of B.J.K. IMPORT EXPORT is 1.9% (moderate). The 2025 annual accounts show equity of €23k and a net result of €29k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 43% of 18400 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency51▲+38
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.32 against 0.88 in 2024; short-term debt: 72.2% and cash: 4.7% of total assets), and 73.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 →
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
26.4%
Return on assets
33.2%
Age of the figures
9 mo
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 22-05-2026, 70 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
70 d early
2024
85 d late
2023
226 d late
2022
20 d early
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k
2024 · €-6k
2022: €11k
2023: €10k▼ -16.0% vs 2022
2024: €-6k▼ -161% vs 2023lowest in 4 years
2025: €23k▲ +484% vs 2024highest in 4 years
2022 → 2025
Total assets
€86k▲ 79.6%
2024 · €48k
2022: €31k
2023: €21k▼ -32.1% vs 2022lowest in 4 years
2024: €48k▲ +127% vs 2023
2025: €86k▲ +79.6% vs 2024highest in 4 years
2022 → 2025
Net result
€29k
2024 · €-16k
2022: €6k
2023: €-2k▼ -128% vs 2022
2024: €-16k▼ -750% vs 2023lowest in 4 years
2025: €29k▲ +284% vs 2024highest in 4 years
2022 → 2025
Working capital
€20k
2024 · €-6k
2022: €11k
2023: €8k▼ -29.1% vs 2022
2024: €-6k▼ -179% vs 2023lowest in 4 years
2025: €20k▲ +408% vs 2024highest in 4 years
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€11k-€10k▼ 16.0%€-6k€23k
2022: €11k
2023: €10k▼ -16.0% vs 2022
2024: €-6k▼ -161% vs 2023lowest in 4 years
2025: €23k▲ +484% vs 2024highest in 4 years
Operating result€8k-€-197€-14k▼ 7,171%€39k
2022: €8k
2023: €-197▼ -102% vs 2022
2024: €-14k▼ -7171% vs 2023lowest in 4 years
2025: €39k▲ +368% vs 2024highest in 4 years
Net result€6k-€-2k€-16k▼ 750%€29k
2022: €6k
2023: €-2k▼ -128% vs 2022
2024: €-16k▼ -750% vs 2023lowest in 4 years
2025: €29k▲ +284% vs 2024highest in 4 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €39k after a loss of €14k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €86k
Fixed assets
€4k ▲ 178%
Current assets
€82k ▲ 76.4%
Equity and liabilities €86k
Equity
€23k
Debt
€63k
Debt finances 73.6% of the balance-sheet total.
Key figures and ratios
Current ratio
1.32▲
2024 · 0.88
Quick ratio
0.92▲
2024 · 0.79
Debt to equity
2.79▲
2024 · -9.12
ROE
126.0%
ROA
33.2%▲
2024 · -32.4%
Debt ≤ 1 year
€62k▲
2024 · €53k
Income taxes
€4k▲
2024 · €-1
Staff costs
€6k▼
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€48k€86k▲
Fixed assets21/28€2k€4k▲
Tangible fixed assets22/27-€3k
Furniture and vehicles24-€3k
Financial fixed assets28€2k€2k=
Current assets29/58€46k€82k▲
Amounts receivable after more than one year29-€30k
Other amounts receivable291-€30k
Stocks and contracts in progress3€5k€25k▲
Stocks30/36€5k€25k▲
Amounts receivable within one year40/41€41k€23k▼
Trade receivables40€41k€23k▼
Other amounts receivable41€168-
Cash at bank and in hand54/58€1k€4k▲
Deferred charges and accrued income490/1-€371
Equity and liabilities
Total equity and liabilities10/49€48k€86k▲
Equity10/15€-6k€23k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€-11k€18k▲
Amounts payable17/49€54k€63k▲
Amounts payable within one year42/48€53k€62k▲
Trade debts44€53k€54k▲
Suppliers440/4€53k€54k▲
Taxes, remuneration and social security45€29€8k▲
Taxes450/3€29€8k▲
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€8k€6k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€326
Other operating charges640/8€4k€3k▼
Gross operating margin9900€-2k€49k▲
Operating profit (loss)9901€-14k€39k▲
Financial income75/76B€2€4▲
Recurring financial income75€2€4▲
Financial charges65/66B€1k€6k▲
Recurring financial charges65€1k€6k▲
Profit (loss) for the period before taxes9903€-16k€33k▲
Income taxes67/77€-1€4k▲
Profit (loss) for the period9904€-16k€29k▲
Profit (loss) for the period to be appropriated9905€-16k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€18k▲
Profit (loss) brought forward from the previous period14P€5k€-11k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €9k | €10k | €8k | €6k | ▼ 23.1% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €326 | - |
| Other operating charges640/8 | €2k | €2k | €4k | €3k | ▼ 6.1% |
| Gross operating margin9900 | €19k | €12k | €-2k | €49k | ▲ 2,142% |
| Operating profit (loss)9901 | €8k | €-197 | €-14k | €39k | ▲ 368% |
| Financial income75/76B | - | - | €2 | €4 | ▲ 111% |
| Recurring financial income75 | - | - | €2 | €4 | ▲ 111% |
| Financial charges65/66B | €4 | €373 | €1k | €6k | ▲ 381% |
| Recurring financial charges65 | €4 | €373 | €1k | €6k | ▲ 381% |
| Profit (loss) for the period before taxes9903 | €8k | €-570 | €-16k | €33k | ▲ 312% |
| Income taxes67/77 | €2k | €1k | €-1 | €4k | ▲ 693,356% |
| Profit (loss) for the period9904 | €6k | €-2k | €-16k | €29k | ▲ 284% |
| Profit (loss) for the period to be appropriated9905 | €6k | €-2k | €-16k | €29k | ▲ 284% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €31k | €21k | €48k | €86k | ▲ 79.6% |
| Fixed assets21/28 | - | €2k | €2k | €4k | ▲ 178% |
| Tangible fixed assets22/27 | - | - | - | €3k | - |
| Furniture and vehicles24 | - | - | - | €3k | - |
| Financial fixed assets28 | - | €2k | €2k | €2k | = |
| Current assets29/58 | €31k | €20k | €46k | €82k | ▲ 76.4% |
| Amounts receivable after more than one year29 | - | - | - | €30k | - |
| Other amounts receivable291 | - | - | - | €30k | - |
| Stocks and contracts in progress3 | €25k | €10k | €5k | €25k | ▲ 456% |
| Stocks30/36 | €25k | €10k | €5k | €25k | ▲ 456% |
| Amounts receivable within one year40/41 | €5k | €5k | €41k | €23k | ▼ 44.6% |
| Trade receivables40 | €2k | €537 | €41k | €23k | ▼ 44.3% |
| Other amounts receivable41 | €3k | €5k | €168 | - | - |
| Cash at bank and in hand54/58 | €1k | €4k | €1k | €4k | ▲ 221% |
| Deferred charges and accrued income490/1 | - | - | - | €371 | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €31k | €21k | €48k | €86k | ▲ 79.6% |
| Equity10/15 | €11k | €10k | €-6k | €23k | ▲ 484% |
| Contributions10/11 | €5k | €5k | €5k | €5k | = |
| Profit (loss) carried forward14 | €6k | €5k | €-11k | €18k | ▲ 262% |
| Amounts payable17/49 | €20k | €12k | €54k | €63k | ▲ 17.7% |
| Amounts payable within one year42/48 | €20k | €12k | €53k | €62k | ▲ 17.7% |
| Trade debts44 | €17k | €2k | €53k | €54k | ▲ 3.1% |
| Suppliers440/4 | €17k | €2k | €53k | €54k | ▲ 3.1% |
| Taxes, remuneration and social security45 | €2k | €9k | €29 | €8k | ▲ 26,951% |
| Taxes450/3 | €2k | €29 | €29 | €8k | ▲ 26,951% |
| Remuneration and social security454/9 | €228 | €9k | - | - | - |
| Other amounts payable47/48 | €125 | €268 | - | - | - |
| Accrued charges and deferred income492/3 | - | - | €1k | €1k | ▲ 19.4% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6k | €-2k | €-16k | €29k | ▲ 284% |
| Operating cash flow (approximation) | €6k | €-2k | €-16k | €29k | ▲ 284% |
| Investment in fixed assets (approximation) | - | - | €0 | €-3k | - |
| Change in cash | - | €3k | €-3k | €3k | ▲ 194% |
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
22-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €29k
Net result €29k after 2 loss-making years.
24-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 85 days late
14-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 226 days late
2024
31-12
Financial
Weakest financial yearnet €-16k
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Mons · 1 establishment unit since 2021
Ground area
174 m²
Building footprint
71 m²
Volume, LiDAR
614 m³
Parcel 53043B0243/00E003, Wallonia · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
B.J.K. IMPORT EXPORT
since 20212.323.592.735
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53043B0243/00E003 | Wallonia | 173 m² | 1 · 71 m² | 11.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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 siteMons2.323.592.735
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,851. 4,235 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
Founded22-10-2021
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Scores and ratios are computed by Checked and are not a credit decision.