BAJAM
ActiveBAJAM has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €70k and a net result of €35k. Its solvency ranks better than 36% of 9430 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▼-7
Solvency64▲+8
Growth78
Track record82
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.41 against 1.24 in 2024; short-term debt: 59.3% and cash: 65.9% of total assets), and 60.7% 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
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
39.3%
Return on assets
19.6%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 26-03-2026, 35 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
35 d early
2024
134 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€70k▲ 95.1%
2024 · €36k
2024: €36k
2024 → 2025
Total assets
€178k▲ 53.8%
2024 · €116k
2024: €116k
2024 → 2025
Net result
€35k▲ 3.7%
2024 · €34k
2024: €34k
2024 → 2025
Working capital
€43k▲ 193%
2024 · €15k
2024: €15k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€36k-€70k▲ 95.1%
Operating result€45k-€48k▲ 8.5%
Net result€34k-€35k▲ 3.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 8% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €178k
Fixed assets
€29k▼ 23.9%
Current assets
€149k▲ 92.2%
Equity and liabilities €178k
Equity
€70k▲ 95.1%
Debt
€108k▲ 35.2%
The debt ratio falls from 69.0% to 60.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€58k▲
2024 · €52k
Cash flow
€44k▲
2024 · €41k
Solvency
39.3%▲
2024 · 31.0%
Current ratio
1.41▲
2024 · 1.24
Quick ratio
1.41▲
2024 · 1.24
Debt / equity
1.54▼
2024 · 2.23
ROE
49.9%▼
2024 · 94.0%
ROA
19.6%▼
2024 · 29.1%
Interest coverage
14.59▼
2024 · 27.45
Debt
€108k▲
2024 · €80k
Debt ≤ 1 year
€106k▲
2024 · €63k
Debt > 1 year
€3k▼
2024 · €17k
Income taxes
€10k▲
2024 · €9k
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€116k€178k▲
Fixed assets21/28€38k€29k▼
Tangible fixed assets22/27€38k€29k▼
Furniture and vehicles24€38k€29k▼
Current assets29/58€78k€149k▲
Amounts receivable within one year40/41€4k€27k▲
Trade receivables40€4k€27k▲
Other amounts receivable41€114-
Cash at bank and in hand54/58€73k€118k▲
Deferred charges and accrued income490/1€342€4k▲
Equity and liabilities
Total equity and liabilities10/49€116k€178k▲
Equity10/15€36k€70k▲
Contributions10/11€3k€3k=
Reserves13€33k€67k▲
Distributable reserves133€33k€67k▲
Amounts payable17/49€80k€108k▲
Amounts payable after more than one year17€17k€3k▼
Financial debts170/4€17k€3k▼
Amounts payable within one year42/48€63k€106k▲
Current portion of amounts payable after more than one year42€14k€15k▲
Trade debts44€2k€9k▲
Suppliers440/4€2k€9k▲
Taxes, remuneration and social security45€11k€15k▲
Taxes450/3€11k€15k▲
Other amounts payable47/48€36k€67k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€847€761▼
Gross operating margin9900€53k€58k▲
Operating profit (loss)9901€45k€48k▲
Financial income75/76B€11€26▲
Recurring financial income75€11€26▲
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€43k€45k▲
Income taxes67/77€9k€10k▲
Profit (loss) for the period9904€34k€35k▲
Profit (loss) for the period to be appropriated9905€34k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€35k▲
Transfer to equity691/2€33k€34k▲
To other reserves6921€33k€34k▲
Profit to be distributed694/7€833€833=
Return on contributions (dividend)694€833€833=
The notes to these accounts (5 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
26-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
17-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Middelkerke · 1 establishment unit since 2023
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.
Heidestraat 168434 MiddelkerkeGround area
632 m²
Building footprint
179 m²
Volume, LiDAR
556 m³
Parcel 35022B0304/00B021, Flanders · tallest building 6.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BAJAM
since 20232.350.611.193
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35022B0304/00B021 | Flanders | 632 m² | 1 · 179 m² | 6.3 m · 1 fl. |
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.
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Of 11,553 companies in sector 71121 we hold annual accounts for 6,558. 5,119 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-10-2023
Fiscal year end30-09
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:sophie@takt.be