Debts
€620,363 93% of the balance sheet
Financial debts 76%Suppliers 0%Other 24%
Of this, €147,157 falls due within a year.
BaJo
Lifetime
1 annual account with figurespeak -€889 (2025)
-€889
lowest -€2,629 (2025)
-€2,629
peak €47,371 (2025)
€47,371
€620,363
Board2 names since 2025
2 directorsBAKRAYCO and 1 other
Owners
50%SERUM
Documentsfilings and deeds
30-09-202661 days late
2025abbreviated format
Loss of €2,629Incorporation 26-061 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsStarting capital
€50,000 100 shares
2025 accounts filed 61 days after the deadlineTurnover not published (abbreviated format)
Checked score
65
Healthy
Financially stronger than 28% of micro companies in real estate (NACE 68)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
07-2026: 0.7%lowest value
08-2026: 0.7%● unchanged vs 07-2026lowest value
09-2026: 0.7%● unchanged vs 08-2026
10-2026: 1.0%▲ +0.3 percentage points vs 09-2026highest value
11-2026: 1.0%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Liquidity: current ratio 0.01, cash €770
Last filed accounts filed 61 days late; 1 of the last 3 accounts late
lowers risk
Sector: Real estate activities (NACE 68)
Size: total assets €667,734
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 28% of them on solvency, 36% on liquidity and 20% on profitability.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 120 companies had the same profile as BaJo has now. Each dot is one company, two years later.
95.8%
were still trading
1.7%
stopped another way
2.5%
went bankrupt
That fits the bankruptcy probability of BaJo itself: 1.0% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 120 companies, not a prediction for BaJo. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €3,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.01, below 1. Short-term debt is 22% and cash 0.1% of total assets. 92.9% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Young company
Founded in 2025, a year ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
raises risk · 2025 accounts filed 61 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
61 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1024621490
First establishment
Potterijstraat 131, Tienen
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BaJo Tienen | €667,734 | -€889 | 7.1% | - |
| LEOTERRA Ninove | €703,582 | -€2,524 | 0.2% | - |
| DroneDivision Deerlijk | €630,890 | -€57,055 | -38.5% | 1.3 |
| CENGEA Rebecq | €748,269 | -€14,804 | -1.7% | - |
| ULTIM INVEST Lasne | €756,741 | -€6,886 | -2.5% | - |
| BAYYA Damme | €567,902 | -€11,631 | -9.2% | - |
| NDI Capital Brussels | €571,736 | -€1,734 | 6.3% | - |
These companies have the same main activity as BaJo: buying and selling of own real estate (NACE 68110). They are comparable in size and age: total assets between €568,000 and €757,000, founded in 2025.
Official details
Source: KBO- Status
- Active since 24-06-2025Normal situation
- Activity
- Buying and selling of own real estateNACE 68110and 3 others
- Establishment unit
- 2.375.916.7133300 Tienen, since 24-06-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 28-01-2026
Insights on BaJo
BaJo has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47,371 and a net result of -€2,629.
Its solvency ranks better than 26% of 11,299 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BaJo
- What is the company number of BaJo?
- The company number of BaJo is 1024.621.490. The VAT number is the same number with BE in front: BE 1024.621.490.
- Where is BaJo based?
- The registered office is at Potterijstraat 131, 3300 Tienen.Company details
- What does BaJo do?
- According to the KBO register, the main activity is buying and selling of own real estate (NACE 68110).
- What is the legal form of BaJo?
- BaJo is a private limited company (BV).
- When was BaJo founded?
- BaJo was founded on 24-06-2025.
- Is BaJo still active?
- Yes, BaJo is an active enterprise in the KBO register.
- What is the turnover of BaJo?
- The annual accounts for financial year 2025 state no turnover. The abbreviated format does not require it.Financials
- Is BaJo profitable?
- In financial year 2025, BaJo made a loss of €2,629.
- Where can I find the annual accounts of BaJo?
- BaJo filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
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