BIJ ANJA
ActiveBIJ ANJA has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45k and a net result of €-2k. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 82% of 10230 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
60
/ 100
Healthy▲ +15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100▲+26
Growth52=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.96 against 1.52 in 2024), and 28.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Sector 47
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
71.4%
Return on assets
-4%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€2k
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
31 d early
2023
27 d early
2022
29 d early
2021
30 d early
2020
29 d early
2019
30 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€45k▼ 5.2%
2024 · €47k
2018: €43k
2019: €32k
2020: €34k
2021: €46k
2022: €60k
2023: €74k
2024: €47k
2018 → 2025
Total assets
€63k▼ 46.0%
2024 · €116k
2018: €49k
2019: €90k
2020: €100k
2021: €117k
2022: €152k
2023: €95k
2024: €116k
2018 → 2025
Net result
€-2k▲ 90.8%
2024 · €-27k
2018: €5k
2019: €-11k
2020: €2k
2021: €12k
2022: €14k
2023: €14k
2024: €-27k
2018 → 2025
Working capital
€35k▼ 2.3%
2024 · €36k
2018: €43k
2019: €60k
2020: €28k
2021: €39k
2022: €55k
2023: €59k
2024: €36k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€60k▲ 29.8%€74k▲ 23.6%€47k▼ 36.3%€45k▼ 5.2%
Operating result€19k-€22k▲ 14.3%€23k▲ 8.9%€-24k€-644▲ 97.3%
Net result€12k-€14k▲ 12.2%€14k▲ 2.5%€-27k€-2k▲ 90.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €644 in 2025 against €24k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €63k
Fixed assets
€10k▼ 14.7%
Current assets
€53k▼ 49.4%
Equity and liabilities €63k
Equity
€45k▼ 5.2%
Debt
€18k▼ 74.0%
The debt ratio falls from 59.3% to 28.6%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€2k▲
2024 · €-20k
Cash flow
€477▲
2024 · €-23k
Solvency
71.4%▲
2024 · 40.7%
Current ratio
2.96▲
2024 · 1.52
Quick ratio
2.51▲
2024 · 1.46
Debt / equity
0.40▼
2024 · 1.46
ROE
-5.5%▲
2024 · -56.9%
ROA
-4.0%▲
2024 · -23.1%
Interest coverage
1.44▲
2024 · -7.38
Debt
€18k▼
2024 · €69k
Debt ≤ 1 year
€18k▼
2024 · €69k
Income taxes
€233▼
2024 · €243
Staff costs
€943▼
2024 · €2k
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€63k▼
Fixed assets21/28€11k€10k▼
Tangible fixed assets22/27€11k€10k▼
Furniture and vehicles24€3k€10k▲
Other tangible fixed assets26€8k-
Current assets29/58€105k€53k▼
Stocks and contracts in progress3€4k€8k▲
Stocks30/36€4k-
Contracts in progress37-€8k
Amounts receivable within one year40/41€11k€3k▼
Trade receivables40€945€3k▲
Other amounts receivable41€10k-
Cash at bank and in hand54/58€89k€42k▼
Equity and liabilities
Total equity and liabilities10/49€116k€63k▼
Equity10/15€47k€45k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€44k€44k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€42k€42k=
Profit (loss) carried forward14€-15k€-18k▼
Amounts payable17/49€69k€18k▼
Amounts payable within one year42/48€69k€18k▼
Trade debts44€57k€995▼
Suppliers440/4€57k€995▼
Taxes, remuneration and social security45€1k€4k▲
Taxes450/3€1k€4k▲
Other amounts payable47/48€11k€13k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k€943▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€1k€8k▲
Gross operating margin9900€-16k€11k▲
Operating profit (loss)9901€-24k€-644▲
Financial income75/76B€90-
Recurring financial income75€90-
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€-27k€-2k▲
Income taxes67/77€243€233▼
Profit (loss) for the period9904€-27k€-2k▲
Profit (loss) for the period to be appropriated9905€-27k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-27k€-18k▲
Profit (loss) brought forward from the previous period14P-€-15k
Transfer from equity791/2€11k-
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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-27k ▼290%
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €14k ▲2.5%
Operating result €23k, net result €14k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.78
Current ratio from 1.67 to 3.78; short-term debt falls from €82k to €21k.
02-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Herk-de-Stad · 1 establishment unit since 2009
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.
Jodestraat 193540 Herk-de-StadGround area
1,591 m²
Building footprint
370 m²
Volume, LiDAR
1,894 m³
2 parcels, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Opperstraat 107, 3850 Nieuwerkerken (Limb.)
since 20092.178.858.936
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71024C0462/00C000 | Flanders | 1,517 m² | 1 · 370 m² | 7.8 m · 2 fl. |
| 71060B0399/00Y002 | Flanders | 74 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 2,379 companies in sector 47241 we hold annual accounts for 1,084. 917 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-06-2009
Fiscal year end31-12
Activities, NACEBEL
47241Retail sale of bread and pastry (bakery outlets)
10810Manufacture of food products
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.