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Generated 11-08-2026
Active BE 0824.310.849Private limited company

BJK & ASSOCIES

Rue Germain Michiels(BT) 9 ·6500 Beaumont, Belgium· 16 yrs active
Sector: Accountants (69201)
Conclusion Checked

The computed 12-month bankruptcy probability of BJK & ASSOCIES is 0.2% (very low). The 2023 annual accounts show equity of €108k and a net result of €81k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 54% of 3977 sector peers (fiscal year 2023). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.
Key figures
Equity €108k
Net result €81k
Better than sector 54%
Active 16 yrs
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health100Profitability100Solvency99Growth78Stability100
95 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100
Profitability 100
Solvency 99
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.2% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Annual accounts: weaker financial profile +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Established
Founded in 2010, 16 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2023 · computed
100 / 100 Excellent
050100
Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

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Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 19-07-2024 with the NBB · fiscal year 2023 · micro
€-100k€0€100k€200kOperating result 2019: €-2k€-2kNet result 2019: €-13k€-13kOperating result 2020: €-25k€-25kNet result 2020: €-27k€-27kOperating result 2021: €23k€23kNet result 2021: €21k€21kOperating result 2022: €62k€62kNet result 2022: €20k€20kRevenue 2023: €249k€249kOperating result 2023: €104k€104kNet result 2023: €81k€81k20192020202120222023
RevenueOperating resultNet result
Sector comparison
Fiscal year 2023 · NACE 69, Legal & accounting · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 61.7% 58.3%
better than 54% of 3977 sector peers
Net result €81k €29k
better than 86% of 3975 sector peers
Equity €108k €50k
better than 75% of 3978 sector peers
Gross operating margin €161k €49k
better than 90% of 3969 sector peers
Staff costs €50k €31k
higher than 66% of 633 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Revenue
€249k
- 18-23
EBITDA
€111k
+63.5% 18-23
Net profit
€81k
+311.9% 18-23
Cash flow
€87k
+248.0% 18-23
Total assets
€175k
+104.8% 18-23
Equity
€108k
+292.3% 18-23
Working capital
€100k
+164.6% 18-23
Employees (FTE)
0
- 18-23
Staff costs
€50k
+159.1% 18-23
Income taxes
€20k
+472.2% 18-23
Debt
€67k
+15.8% 18-23
Debt ≤ 1y
€29k
-38.0% 18-23
Debt > 1y
€39k
+229.8% 18-23
Current ratio
4.47
+146.7% 18-23
Quick ratio
2.91
+327.1% 18-23
Solvency
61.7%
+91.5% 18-23
Debt / equity
0.62
-70.5% 18-23
ROE
74.5%
+5.0% 18-23
ROA
45.9%
+101.1% 18-23
Net margin
32.4%
- 18-23
EBITDA margin
44.4%
- 18-23
Interest coverage
31.48
+1720.2% 18-23
Figures by fiscal year
Fiscal year2023
Depositmicro
Revenue€249k
EBITDA€111k
Net profit€81k
Cash flow€87k
Staff costs€50k
Income taxes€20k
Dividends-
Total assets€175k
Equity€108k
Debt€67k
of which ≤ 1y€29k
of which > 1y€39k
Working capital€100k
Employees (FTE)-
Ratios (computed)
2023
Current ratio4.47
Quick ratio2.91
Working capital ratio56.9%
Solvency61.7%
Debt / equity0.62
Long-term debt ratio0.36
Interest coverage31.48
Gross margin62.4%
Net margin32.4%
ROA45.9%
ROE74.5%
EBITDA margin44.4%
Days sales outstanding94d
Days payable outstanding23d
Inventory turnover2.08
Days inventory (DSI)176d
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€175k
Fixed assets 21/28€47k
Tangible fixed assets 22/27€47k
Current assets 29/58€128k
Stocks & contracts in progress 3€45k
Amounts receivable within one year 40/41€64k
Cash & bank 54/58€19k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€175k
Equity 10/15€108k
Contributions / capital 10/11€20k
Reserves 13€2k
Accumulated profits (losses) 14€87k
Amounts payable 17/49€67k
Amounts payable after one year 17€39k
Amounts payable within one year 42/48€29k
Trade debts payable within one year 44€6k
Income statement
Turnover 70€249k
Gross operating margin 9900€161k
Operating result 9901€104k
Financial charges 65€4k
Result before taxes 9903€101k
Income taxes 67/77€20k
Net result for the period 9904€81k
Result to be appropriated 9905€81k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Accountants(69201)
Legal form Private limited company(610)
Incorporation25-03-2010
StatusActive
Postal code6500
Establishment units 1 location
BJK & ASSOCIES
Rue Germain Michiels(BT) 9, 6500 BeaumontOverige grafische activiteiten n.e.g.
since 20102.187.455.017
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
56005B0079/00E002 Wallonia 812 m² 1 · 108 m² 10.7 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
26-06-2025
State Gazette act Director changes
Antoine Declairfayt
2024
19-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
01-09-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
12-05-2023
NBB filing Annual accounts filed
fiscal year 2020 · micro
22-02-2023
NBB filing Annual accounts filed
fiscal year 2021 · micro
2020
31-12-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
14-10-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
31-08-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
28-09-2017
NBB filing Annual accounts filed
fiscal year 2016 · micro
2016
01-09-2016
NBB filing Annual accounts filed
fiscal year 2015 · volledig
2015
13-11-2015
NBB filing Annual accounts filed
fiscal year 2014 · volledig
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2025
26-06-2025 2 reappointed Director changes·Antoine Declairfayt
  • Kicho BONDEKWE, Bestuurder
  • Marie GHISLAIN, Bestuurder
Notary: Antoine Declairfayt · Assesse
Technical details 
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      "subkind": "renewal",
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  "act_meta": {
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Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Accountants en belastingconsulenten69201Activiteiten van (gecertificeerde) (fiscaal) accountants69201Boekhouders en boekhouders-fiscalisten69202Boekhouders en boekhouders-fiscalisten69202
Primary activity highlighted.
Names & trade names
Legal nameFR BJK & ASSOCIES
Registered office
Rue Germain Michiels(BT) 9
6500 Beaumont, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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BURAC BE 0422.429.357 · Destelbergen
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BEFISCO BE 0429.652.986 · Merelbeke-Melle
Van den Abbeele, Burgelman & Partners BE 0429.708.416 · Antwerpen
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative