BEJAMA
ActiveBEJAMA has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €68k and a net result of €56. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 42% of 2288 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +31 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency95▲+2
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.96 against 1.95 in 2024), and 49.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
50.6%
Return on assets
0%
Age of the figures
8 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 03-06-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
59 d early
2023
56 d early
2022
56 d early
2021
60 d early
2020
59 d early
2019
53 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€68k▲ 0.1%
2024 · €68k
2018: €62k
2019: €62k
2020: €64k
2021: €65k
2022: €66k
2023: €69k
2024: €68k
2018 → 2025
Total assets
€135k▼ 3.9%
2024 · €140k
2018: €110k
2019: €126k
2020: €90k
2021: €93k
2022: €98k
2023: €186k
2024: €140k
2018 → 2025
Net result
€56
2024 · €-464
2018: €61k
2019: €178
2020: €1k
2021: €814
2022: €2k
2023: €2k
2024: €-464
2018 → 2025
Working capital
€49k▲ 16.6%
2024 · €42k
2018: €-5k
2019: €-7k
2020: €8k
2021: €25k
2022: €36k
2023: €39k
2024: €42k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€65k-€66k▲ 2.7%€69k▲ 3.5%€68k▼ 0.7%€68k▲ 0.1%
Operating result€6k-€7k▲ 28.5%€9k▲ 28.9%€7k▼ 23.6%€7k▲ 0.7%
Net result€814-€2k▲ 113%€2k▲ 32.3%€-464€56
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €135k
Fixed assets
€36k▼ 34.6%
Current assets
€99k▲ 15.7%
Equity and liabilities €135k
Equity
€68k▲ 0.1%
Debt
€67k▼ 7.7%
The debt ratio falls from 51.4% to 49.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€26k▼
2024 · €29k
Cash flow
€19k▼
2024 · €21k
Solvency
50.6%▲
2024 · 48.6%
Current ratio
1.96▲
2024 · 1.95
Quick ratio
1.96▲
2024 · 1.95
Debt / equity
0.98▼
2024 · 1.06
ROE
0.1%▲
2024 · -0.7%
ROA
0.0%▲
2024 · -0.3%
Interest coverage
4.70▼
2024 · 4.73
Debt
€67k▼
2024 · €72k
Debt ≤ 1 year
€50k▲
2024 · €44k
Debt > 1 year
€16k▼
2024 · €28k
Income taxes
€2k▲
2024 · €1k
Staff costs
€239k▼
2024 · €258k
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€140k€135k▼
Fixed assets21/28€55k€36k▼
Tangible fixed assets22/27€55k€36k▼
Plant, machinery and equipment23€45k€30k▼
Furniture and vehicles24€5k€3k▼
Other tangible fixed assets26€5k€2k▼
Current assets29/58€86k€99k▲
Amounts receivable within one year40/41€10k€9k▼
Trade receivables40€60-
Other amounts receivable41€10k€9k▼
Cash at bank and in hand54/58€63k€78k▲
Deferred charges and accrued income490/1€13k€12k▼
Equity and liabilities
Total equity and liabilities10/49€140k€135k▼
Equity10/15€68k€68k▲
Contributions10/11€20k€20k=
Outside capital11€20k€20k=
Other1109/19€20k€20k=
Reserves13€48k€48k▲
Distributable reserves133€48k€48k▲
Amounts payable17/49€72k€67k▼
Amounts payable after more than one year17€28k€16k▼
Other amounts payable178/9€28k€16k▼
Amounts payable within one year42/48€44k€50k▲
Current portion of amounts payable after more than one year42€12k€13k▲
Trade debts44€2k€408▼
Suppliers440/4€2k€408▼
Taxes, remuneration and social security45€26k€28k▲
Taxes450/3€464€171▼
Remuneration and social security454/9€25k€28k▲
Other amounts payable47/48€4k€9k▲
Accrued charges and deferred income492/3-€616
Income statement
Code20242025
Remuneration, social security and pensions62€258k€239k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€19k▼
Other operating charges640/8€634€549▼
Gross operating margin9900€287k€266k▼
Operating profit (loss)9901€7k€7k▲
Financial income75/76B€7€53▲
Recurring financial income75€7€53▲
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€1k€2k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€-464€56▲
Profit (loss) for the period to be appropriated9905€-464€56▲
Appropriation of the result
Profit (loss) to be appropriated9906€-464€56▲
Transfer from equity791/2€464-
Transfer to equity691/2-€56
To other reserves6921-€56
Social balance
Average headcount (FTE)90874.05.0▲
The notes to these accounts (4 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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €56
Net result €56 after one loss-making year.
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-464 ▼120%
Net result drops to €-464, the lowest in the series; recovery starts the following year.
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
02-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
01-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 32 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Maaseik · 1 establishment unit since 2008
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.
Weertersteenweg 36A3680 MaaseikGround area
771 m²
Building footprint
283 m²
Volume, LiDAR
1,721 m³
Parcel 72021D0149/00K000, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Weertersteenweg 36, 3680 Maaseik
since 20082.173.983.103
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72021D0149/00K000 | Flanders | 771 m² | 1 · 283 m² | 10.4 m · 2 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.
Similar companies · same sector, comparable size
Dienst voor Stemtraining
BE 0436.440.711
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VECET
BE 1018.013.119
Visé · Eq €68k
MEDICA DERMIS
BE 0537.597.556
Waterloo · Eq €68k
DR. SIMON VANMARCKE
BE 0732.791.250
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AZGAS MEDICAL
BE 0798.895.463
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Of 16,599 companies in sector 86220 we hold annual accounts for 7,959. 5,648 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-08-2008
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.