Equity
€82,915 from €210,436 in 2018
Equity fell by 61% in 7 years.
BizzJam
Lifetime
14 annual accounts with figures on one time axispeak €294,003 (2018)
€104,638▼ 36.5%
lowest -€75,443 (2019)
-€17,967▼ €41,993
peak €210,436 (2018)
€82,915▼ 17.8%
€1.5m▼ 3.3%
Board1 name since 2021
1 directorde DECKER de BRANDEKEN Olivier
Documentsfilings and deeds
10-04-202620 days before the deadline
2025micro format
Gross margin from €164,907 to €104,638Loss of €17,967Equity from €100,882 to €82,915
Key points
from the 2025 annual accountsDebts
€1.5m 95% of the balance sheet
Financial debts 77%Suppliers 3%Taxes and wages 0%Other 20%
Of this, €265,427 falls due within a year.
Position in the sector
-€17,967
Lower net result than 92% of companies in computer programming and consultancy. Sector median €28,568 · 21,211 companies.
Checked score
87
Excellent
Financially stronger than 20% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,930 companies (NACE 62, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.3%▲ +0.1 percentage points vs 03-2025highest value
05-2025: 0.1%▼ -0.2 percentage points vs 04-2025lowest value
06-2025: 0.1%● unchanged vs 05-2025lowest value
07-2025: 0.1%● unchanged vs 06-2025lowest value
08-2025: 0.1%● unchanged vs 07-2025lowest value
09-2025: 0.1%● unchanged vs 08-2025lowest value
10-2025: 0.1%● unchanged vs 09-2025lowest value
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.2%▲ +0.1 percentage points vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.3%▲ +0.1 percentage points vs 03-2026
05-2026: 0.1%▼ -0.2 percentage points vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.2%▲ +0.1 percentage points vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Equity €82,915 (5.2% of total assets)
Liquidity: current ratio 0.18, cash €17,254
lowers risk
Size: total assets €1.6m
Figures for financial year 2025 (filed on 16-04-2026)
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 62, micro). It does better than 13% of them on solvency, 22% on liquidity, 20% on profitability and 26% on growth.
The bankruptcy probability was computed on 07-11-2026 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 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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, 912 companies had the same profile as BizzJam has now. Each dot stands for 3 companies, two years later.
95.3%
were still trading
2.1%
stopped another way
2.4%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of BizzJam itself is lower: 0.2% within 12 months. It rests on far more data about BizzJam than the profile alone.
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 912 companies, not a prediction for BizzJam. 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 €7,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.18 (0.18 in 2024), below 1. Short-term debt is 16.6% and cash 1.1% of total assets. 94.8% 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 riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 21205 sector peers (2025).
NBB · sector comparisonPosition among 21205 sector peers
Solvency
better than 11%
← weakest
strongest →
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 10-04-2026, 20 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
20 days early
2024
12 days early
2023
16 days late
2022
5 days late
2021
22 days early
2020
49 days early
2019
62 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 21 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 18 April (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end08-11-2026 today30-04-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0829018418
Registered office moved from Woluwe-Saint-Pierre to Overijse
New registered office: Zonienboslaan 18, 3090 Overijse · Previous registered office: Eléonorelaan 26, 1150 Sint-Pieters-Woluwe · Change of role: de DECKER de BRANDEKEN Olivier, from manager to director · General meeting of 03-10-2022 · Gazette deed
First establishment
Zonienboslaan 18, Overijse
Incorporation
published on 08-09-2010 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BizzJam | €1.6m | €104,638 | 5.2% | - |
| PegusGroup Waregem | €1.5m | €104,553 | 72.8% | 0 |
| TOM VAN MIERLO Herentals | €1.4m | €98,430 | 39.0% | - |
| Prolaso Aarschot | €1.8m | €95,113 | 69.5% | - |
| INNOWAVE TECHNOLOGIES BELGIUM Kraainem | €1.7m | €92,288 | 88.3% | - |
| Shangri LA CONSULTING Woluwe-Saint-Lambert | €1.4m | €100,252 | 28.5% | - |
| NALURI Kasterlee | €1.3m | €112,560 | 58.7% | - |
These companies have the same main activity as BizzJam: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €1.3m and €1.8m, founded between 2006 and 2012.
Official details
Source: KBO- Status
- Active since 06-09-2010Normal situation
- Legal form
- Private limited company
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 5 others
- Establishment unit
- 2.191.821.8963090 Overijse, since 29-09-2010
- Financial year end
- 30 September
- Peppol
- Reachable since 12-12-2025
Annual accounts to 30-09-2025
- ≈ €160,000estimated
- €1.6m▼ 4.2%
- Filing
- Filed on 10-04-2026, 20 days before the end of the filing period
Insights on BizzJam
BizzJam files the micro format. That format states no turnover. The gross margin rose from €27,325 in 2011 to €104,638 in 2025.
The balance sheet grew most from 2016 to 2018 through fixed assets, financed with long-term debt.
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 BizzJam
- What is the company number of BizzJam?
- The company number of BizzJam is 0829.018.418. The VAT number is the same number with BE in front: BE 0829.018.418.
- What does BizzJam do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of BizzJam?
- BizzJam is a private limited company (BV).
- When was BizzJam founded?
- BizzJam was founded on 06-09-2010.
- Is BizzJam still active?
- Yes, BizzJam is an active enterprise in the KBO register.Company details
- What is the turnover of BizzJam?
- The turnover in financial year 2025 is ≈ €160,000. This figure is estimated from the gross margin of €104,638 and 42 comparable companies (NACE 62200). It probably lies between €150,000 and €200,000.Financials
- Is BizzJam profitable?
- In financial year 2025, BizzJam made a loss of €17,967.
- Where can I find the annual accounts of BizzJam?
- BizzJam filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BizzJam due?
- BizzJam must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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