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Generated 02-08-2026
Active BE 0881.618.251Private limited company

BANJO

Oude Ieperstraat 40 ·8940 Wervik, Belgium· 20 yrs active
Sector: Head offices & management consulting (70200)
Conclusion Checked

The computed 12-month bankruptcy probability of BANJO is 0.1% (very low). The 2024 annual accounts show equity of €2.60M and a net result of €277k. Equity is growing by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 1395 sector peers (fiscal year 2024). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.
Key figures
Equity €2.60M
Net result €277k
Better than sector 95%
Active 20 yrs
Snowflake analysis 5 axes · computed by Checked
Health93Profitability53Solvency100Growth78Stability100
85 / 100

Exceptional profile, strong across almost every axis.

Health 93
Profitability 53
Solvency 100
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.1% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Long track record −Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Long-established
Founded in 2006, 20 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
93 / 100 Excellent
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 15-07-2025 with the NBB · fiscal year 2024 · verkort
€0€100k€200k€300k€400kOperating result 2020: €189k€189kNet result 2020: €180k€180kOperating result 2021: €204k€204kNet result 2021: €152k€152kOperating result 2022: €371k€371kNet result 2022: €275k€275kOperating result 2023: €275k€275kNet result 2023: €272k€272kOperating result 2024: €269k€269kNet result 2024: €277k€277k20202021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~4.7%/year over 7 fiscal years, indicative, assuming unchanged policy.
€1.50M€2.00M€2.50M€3.00M2025: €2.67M (€2.46M - €2.88M)2026: €2.77M (€2.57M - €2.98M)2027: €2.88M (€2.67M - €3.09M)2018: €1.94M2019: €2.08M2020: €2.21M2021: €2.08M2022: €2.25M2023: €2.45M2024: €2.60M2018201920202021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 70, Head offices & management consulting · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 94.3% 43.6%
better than 95% of 1395 sector peers
Net result €277k €41k
better than 86% of 1396 sector peers
Equity €2.60M €163k
better than 91% of 1396 sector peers
Gross operating margin €273k €72k
better than 82% of 1395 sector peers
Total assets €2.76M €607k
better than 82% of 1395 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€225k
+6.5% -42% vs sector
Net profit
€277k
+1.8% +42% vs sector
Cash flow
€173k
-14.3% -28% vs sector
Total assets
€2.76M
+6.5% +119% vs sector
Equity
€2.60M
+6.0% +236% vs sector
Working capital
€2.68M
+5.9% +207% vs sector
Income taxes
€122k
+1.7% +60% vs sector
Dividends
€126k
+100.1% far above sector median
Debt
€158k
+15.5% -56% vs sector
Debt ≤ 1y
€64k
+40.6% -73% vs sector
Debt > 1y
€86k
+3.8% -99% vs sector
Current ratio
42.91
-24.2% far above sector median
Quick ratio
42.91
-24.2% far above sector median
Solvency
94.3%
-0.5% +27% vs sector
Debt / equity
0.06
+8.9% -84% vs sector
ROE
10.7%
-3.9% -57% vs sector
ROA
10.0%
-4.4% -4% vs sector
Interest coverage
11.97
- -83% vs sector
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA-
Net profit€277k
Cash flow-
Staff costs-
Income taxes€122k
Dividends€126k
Total assets€2.76M
Equity€2.60M
Debt€158k
of which ≤ 1y€64k
of which > 1y€86k
Working capital€2.68M
Employees (FTE)-
Ratios (computed)
2024
Current ratio42.91
Quick ratio42.91
Working capital ratio97.1%
Solvency94.3%
Debt / equity0.06
Long-term debt ratio0.03
Interest coverage-
Gross margin-
Net margin-
ROA10.0%
ROE10.7%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€2.76M
Fixed assets 21/28€16k
Financial fixed assets 28€16k
Current assets 29/58€2.74M
Investments 50/53€584k
Cash & bank 54/58€49k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€2.76M
Equity 10/15€2.60M
Contributions / capital 10/11€50k
Reserves 13€2.55M
Amounts payable 17/49€158k
Amounts payable after one year 17€86k
Amounts payable within one year 42/48€64k
Trade debts payable within one year 44€1k
Income statement
Gross operating margin 9900€273k
Operating result 9901€269k
Financial income 75€138k
Financial charges 65€8k
Result before taxes 9903€399k
Income taxes 67/77€122k
Net result for the period 9904€277k
Result to be appropriated 9905€277k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Head offices & management consulting(70200)
Legal form Private limited company(610)
Incorporation01-06-2006
StatusActive
Postal code8940
Establishment units 1 location
Josson Nicolas
Oude Ieperstraat 40, 8940 WervikManagementactiviteiten van holdings
since 20062.155.997.917
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
33009B0003/00A002 Flanders 7,336 m² 1 · 493 m² 10.2 m · 1 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
15-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2024
08-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
22-11-2023
State Gazette act Capital & shares
Thierry Devos
14-07-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
28-07-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
17-08-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
30-07-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
29-08-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
16-07-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
29-06-2017
NBB filing Annual accounts filed
fiscal year 2016 · micro
2016
26-08-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
Belgisch Staatsblad, acts 1 acts
Capital history · 1
22-11-2023
Capital change
All acts · 1 updated 2 years ago
2023
22-11-2023 Capital increase of €185,000 to €365,000 Capital & shares·Thierry Devos
  • €185.000 → €365.000
Notary: Thierry Devos · Wervik
Technical details 
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  "notary": {
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  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2023-11-22",
    "filing_date": "2023-11-20",
    "act_kind_objet": "WIJZIGING RECHTSVORM, BENAMING, ONTSLAGEN, BENOEMINGEN, KAPITAAL, AANDELEN"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "act_date": "2023-11-07",
    "unanimous": null,
    "under_authorized_capital": false,
    "underlying_resolution_date": null
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0881.618.251",
    "name_full": "JOSSON NICOLAS",
    "legal_form": "BV",
    "is_foreign_registered": false
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  "publication_proxy": {
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  "share_classes_after": [
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      "n_shares": 9250,
      "class_name": "Gewone Aandelen",
      "capital_share_eur": 50000.0,
      "voting_rights_per_share": 1.0
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}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Company registry (CBE) Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige adviesbureaus op het gebied van bedrijfsvoering en beheer74142
Primary activity highlighted.
Names & trade names
Legal nameNL BANJO
Registered office
Oude Ieperstraat 40
8940 Wervik, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative