Financials
- Fiscal year
- 2025
- Total assets
- €36,040
- Profit
- €23,548
- Solvency
- 43.1%
BNJ GROUP
ActiveSummary
The computed 12-month bankruptcy probability of BNJ GROUP is 2.4% (moderate). The 2025 annual accounts show equity of €15,548 and a net result of €23,548. Its solvency ranks better than 61% of 15408 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Limited-service restaurants, excluding mobile food services
NACE 56112
1 site
Size
€36,040total assets 2025
- Equity
- €15,548
- Profit
- €23,548
Turnover not published (abridged schema)
Structure
Accounts filed 11 d late0 of 3 deeds read
Why 55- Founded in 2024- Sector Food and beverage service activities (NACE 56)- Size: total assets €36,040+ Liquidity: current ratio 1.56, cash €31,128Show the evidence
Checked score
Score 2025
55
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 77% of its sector peers (NACE 56, micro)
Performance against the sector, not lower risk
Financial strength
Strong
Solvency
68
equity 43.1% of total assets
Liquidity
71
short-term debt 56.9% · cash 86.4%
Profitability
100
return on assets 65.3%
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2025: 7.2%
12-2025: 7.2%● 0.0% vs 11-2025
01-2026: 7.4%▲ +3.4% vs 12-2025
02-2026: 7.6%▲ +2.0% vs 01-2026
03-2026: 7.8%▲ +2.8% vs 02-2026
04-2026: 8.3%▲ +5.9% vs 03-2026
05-2026: 8.3%● 0.0% vs 04-2026
06-2026: 8.6%▲ +3.6% vs 05-2026highest value
07-2026: 8.4%▼ -2.3% vs 06-2026
08-2026: 8.4%● 0.0% vs 07-2026
09-2026: 2.3%▼ -72.0% vs 08-2026lowest value
10-2026: 2.4%▲ +1.6% vs 09-2026
- Founded in 2024 raises the probability for this profile
- Sector Food and beverage service activities (NACE 56) raises the probability
- Size: total assets €36,040 raises the probability for this profile
- Liquidity: current ratio 1.56, cash €31,128 lowers the probability
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.56; short-term debt: 56.9% and cash: 86.4% of total assets), but 56.9% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 56, micro). Better than this share of them on solvency 62%, liquidity 75%, profitability 93%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
11 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
- 11-08-2026Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Limited-service restaurants, excluding mobile food servicesNACE 56112
- Founded
- 21-10-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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