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BJ-Invest

Active
Private limited company (pre-2019)founded 2012active for 14 yearsHalensestraat 26, 3545 Halen, BelgiumKBO/BCE: BE 0849.424.347
Summary

The computed 12-month bankruptcy probability of BJ-Invest is 5.9% (elevated). The 2025 annual accounts show negative equity (-€56,534) and a net result of -€6,458. Equity has been shrinking by about 16% per year since 2018. The company has been active since 2012 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 09-10-2012 Normal situation
Activity
No activity registered in the KBO
Financial year end
31 December
Peppol
Not found in the Peppol Directory

Board and ownership

Board
  • Bruls JeroenDirector · since 08-10-2012

Financial position

34 Weak Checked score 2025
Bankruptcy probabilitywithin 12 months
5.9%
Annual accounts 2025
Gross margin
-€606
▲ 75.4%
Loss
€6,458
▲ 20.8%
Equity
-€56,534
▼ 12.9%
Total assets
€52,115
▼ 4.9%
  • Negative equity on 31-12-2025
  • 2025 accounts filed 56 days after the deadline
Turnover not published (abbreviated or micro format)
Score breakdownraises riskLast filed accounts filed 56 days late; 3 of the last 3 accounts lateNo registered site in the KBOLoss of €6,458, the second in a row (financial year 2025)lowers riskSize: total assets €52,115Show the evidence

Checked score

Score 2025
34 / 100
Weak
Probability in this band: 4.2% to 15.0%
Financially stronger than 16% of micro companies without a NACE code
Financial strength · tick: 2024
Weak
Solvency 0=
equity -108.5% of total assets
Liquidity 46+41
short-term debt 16.6% · cash 0.4%
Profitability 3-10
return on assets -12.4%
Bankruptcy probability within 12 months
5.9% Elevated
0%0.5%1.5%4%10%≥ 25%

About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 6.8% 01-2025: 6.8%● unchanged vs 12-2024 02-2025: 6.8%● unchanged vs 01-2025 03-2025: 6.7%▼ -0.1 percentage points vs 02-2025 04-2025: 6.7%● unchanged vs 03-2025 05-2025: 6.6%▼ -0.1 percentage points vs 04-2025 06-2025: 6.6%● unchanged vs 05-2025 07-2025: 6.4%▼ -0.2 percentage points vs 06-2025 08-2025: 7.2%▲ +0.8 percentage points vs 07-2025 09-2025: 8.6%▲ +1.4 percentage points vs 08-2025 10-2025: 10.2%▲ +1.6 percentage points vs 09-2025highest value 11-2025: 6.0%▼ -4.2 percentage points vs 10-2025 12-2025: 6.0%● unchanged vs 11-2025 01-2026: 5.9%▼ -0.1 percentage points vs 12-2025 02-2026: 5.9%● unchanged vs 01-2026 03-2026: 5.7%▼ -0.2 percentage points vs 02-2026 04-2026: 5.7%● unchanged vs 03-2026 05-2026: 5.4%▼ -0.3 percentage points vs 04-2026 06-2026: 5.4%● unchanged vs 05-2026 07-2026: 5.3%▼ -0.1 percentage points vs 06-2026lowest value 08-2026: 6.4%▲ +1.1 percentage points vs 07-2026 09-2026: 6.6%▲ +0.2 percentage points vs 08-2026 10-2026: 5.9%▼ -0.7 percentage points vs 09-2026 11-2026: 5.9%● unchanged vs 10-2026
No credit on open account
Liquidity is insufficient, with a current ratio of 0.05 (0.01 in 2024), below 1. Short-term debt is 16.6% and cash 0.4% of total assets. Equity is negative.
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 (no NACE code, micro). It does better than 5% of them on solvency, 29% on liquidity, 9% on profitability and 22% on growth.

The bankruptcy probability was computed on 02-11-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
lowers risk · Size: total assets €52,115
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Last filed accounts filed 56 days late; 3 of the last 3 accounts late
NBB · filings
raises risk · No registered site in the KBO
KBO · seat and establishments
raises risk · Loss of €6,458, the second in a row (financial year 2025)
NBB · annual accounts
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€56,534
raises risk · 2025 accounts filed 56 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-09-2026, 56 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 · 10 filings
Deviation from the deadline
2025
56 days late
2024
60 days late
2023
61 days late
2022
30 days late
2021
46 days late
2020
411 days late
2019
111 days late
← before the deadline after the deadline →
tick = median of all Belgian filings

The company filed its last 7 accounts on average 111 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 25 September (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€56,534 View
  • Risk: 5 loss-making years in a rowloss in financial year 2025 -€6,458 View

Recent changes

  1. · Gazette deed Incorporation
All 14 events

Key facts about BJ-Invest

What is the company number of BJ-Invest?
The company number of BJ-Invest is 0849.424.347. The VAT number is the same number with BE in front: BE 0849.424.347.
Where is BJ-Invest based?
The registered office is at Halensestraat 26, 3545 Halen.Company details
What is the legal form of BJ-Invest?
The legal form of BJ-Invest is Private limited company (pre-2019) (BVBA).
When was BJ-Invest founded?
BJ-Invest was founded on 09-10-2012.
Is BJ-Invest still active?
Yes, BJ-Invest is an active enterprise in the KBO register.
What is the turnover of BJ-Invest?
The annual accounts for financial year 2025 state no turnover. The abbreviated or micro format does not require it. In financial year 2018 turnover was €2,550.Financials
Is BJ-Invest profitable?
In financial year 2025, BJ-Invest made a loss of €6,458.
Where can I find the annual accounts of BJ-Invest?
BJ-Invest filed 13 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of BJ-Invest due?
BJ-Invest must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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