BJEG

Active

Private limited companyfounded 20215 yrs activeRue des Brasseurs 17, 5000 Namur, BelgiumKBO/BCE: BE 0764.638.528

Summary

The computed 12-month bankruptcy probability of BJEG is 6.0% (elevated). The 2024 annual accounts show equity of €7k and a net result of €-2k. Equity is shrinking by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 42% of 18941 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

43 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability50▼-37

Solvency45▲+2

Growth32▼-46

Track record94

Bankruptcy probability, 12 months

6.0% Elevated

0%0.5%1.5%4%10%≥ 25%

No publishable credit limit; credit only on tighter terms

Liquidity short (current ratio 0.71 against 0.74 in 2023; short-term debt: 80.4% and cash: 33.4% of total assets), and 80.4% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2024

Solvency, return and age of the figures

Solvency

19.6%

Return on assets

-6%

Age of the figures

21 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-07-2025, 29 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

not confirmed

2024

29 d early

2023

30 d late

2022

52 d early

2021

41 d early

← before the deadline after the deadline →

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Turnover

€170k

EBIT margin

-0.7%

Net result

€-2k

2023 · €8k

2021: €4k 2022: €-8k 2023: €8k

2021 → 2024

Working capital

€-8k▲ 24.9%

2023 · €-11k

2021: €-15k 2022: €-22k 2023: €-11k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Turnover€170k

Equity€9k-€1k▼ 83.6%€9k▲ 519%€7k▼ 23.4%

Operating result€5k-€-16k€4k€-1k

Net result€4k-€-8k€8k€-2k

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2024: a loss of €1k after €4k in 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €36k

43.3%

56.7%

Fixed assets €16k ▼ 24.2%

Current assets €20k ▼ 35.7%

Equity and liabilities €36k

19.6%

80.4%

Equity €7k ▼ 23.4%

Debt €29k ▼ 32.8%

Debt's share of the balance-sheet total falls from 82.4% to 80.4%. Equity and debt are lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€4k▼

2023 · €9k

Cash flow

€3k▼

2023 · €13k

Current ratio

0.71▼

2023 · 0.74

Quick ratio

0.51▼

2023 · 0.66

Debt to equity

4.09▼

2023 · 4.67

ROE

-30.6%▼

2023 · 83.8%

ROA

-6.0%▼

2023 · 14.8%

Interest coverage

11.69▼

2023 · 36.59

Debt ≤ 1 year

€29k▼

2023 · €43k

Income taxes

€674▼

2023 · €3k

Staff costs

€56k▼

2023 · €77k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Filed annual accounts As filed with the NBB · 2024 against 2023 · 44 lines

Balance sheet Code20232024

Assets

Total assets20/58€52k€36k▼

Fixed assets21/28€21k€16k▼

Tangible fixed assets22/27€21k€16k▼

Plant, machinery and equipment23€8k€7k▼

Furniture and vehicles24€12k€8k▼

Current assets29/58€32k€20k▼

Stocks and contracts in progress3€3k€6k▲

Stocks30/36€3k€6k▲

Amounts receivable within one year40/41€7k€3k▼

Trade receivables40€4k-

Other amounts receivable41€2k€3k▲

Cash at bank and in hand54/58€22k€12k▼

Equity and liabilities

Total equity and liabilities10/49€52k€36k▼

Equity10/15€9k€7k▼

Contributions10/11€5k€5k=

Reserves13€205€205=

Distributable reserves133€205€205=

Profit (loss) carried forward14€4k€2k▼

Amounts payable17/49€43k€29k▼

Amounts payable within one year42/48€43k€29k▼

Trade debts44€4k€3k▼

Suppliers440/4€4k€3k▼

Taxes, remuneration and social security45€20k€13k▼

Taxes450/3€7k€4k▼

Remuneration and social security454/9€14k€9k▼

Other amounts payable47/48€19k€13k▼

Income statement Code20232024

Turnover70-€170k

Goods, raw materials, services and sundry goods60/61-€122k

Remuneration, social security and pensions62€77k€56k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼

Other operating charges640/8€1k€1k▲

Non-recurring operating charges66A€2k€4k▲

Gross operating margin9900€89k€65k▼

Operating profit (loss)9901€4k€-1k▼

Financial income75/76B€6k-

Recurring financial income75€6k-

Financial charges65/66B€253€326▲

Recurring financial charges65€253€326▲

Profit (loss) for the period before taxes9903€10k€-1k▼

Income taxes67/77€3k€674▼

Profit (loss) for the period9904€8k€-2k▼

Profit (loss) for the period to be appropriated9905€8k€-2k▼

Appropriation of the result

Profit (loss) to be appropriated9906€4k€2k▼

Profit (loss) brought forward from the previous period14P€-4k€4k▲

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 2Filings 4

2025

02-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

30-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 30 days late

2023

31-12

Financial Back to profitnet €8k

Net result €8k after one loss-making year.

09-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Weakest financial yearnet €-8k ▼286%

Net result drops to €-8k, the lowest in the series; recovery starts the following year.

20-06

NBB filing Annual accounts filed

fiscal year 2021 · full schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Namur · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Rue des Brasseurs 175000 Namur

Ground area

881 m²

Building footprint

126 m²

Volume, LiDAR

1,266 m³

2 parcels, Wallonia · tallest building 17.2 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

BJEG

Avenue du Transvaal(VD) 57, 5020 NamurLimited-service restaurants

since 20212.314.214.023

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
92128D0046/00H004	Wallonia	700 m²	1 · 55 m²	11.2 m · 3 fl.
92094C0718/00B000	Wallonia	181 m²	1 · 71 m²	17.2 m · 4 fl.

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.

Similar companies · same sector, comparable size

Roeselare · Eq €7,063

Bromata

BE 0678.397.412

Antwerpen · Eq €7,064

Of 20,493 companies in sector 56111 we hold annual accounts for 11,461. 6,024 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded04-03-2021

Fiscal year end31-12

Activities, NACEBEL 2025

56111Full-service restaurants

68203Renting and operating of own or leased non-residential real estate, excluding land

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.

Contact details

3 entries

E-mail:ben.molitor32@hotmail.fr

Enterprise

Phone:+32472315098

Enterprise

E-mail:ben-molitor32@hotmail.fr

Establishment Namur 2.314.214.023