Equity
€395,429 ▲ 3.6%
CJW SERVICES paid out €24,000 in dividends. That is 64% of the 2025 profit.
CJW SERVICES
Lifetime
10 annual accounts with figures on one time axispeak €169,932 (2024)
€100,164▼ 41.1%
peak €73,869 (2022)
€37,729▼ 39.0%
peak €395,429 (2025)
€395,429▲ 3.6%
€717,565▲ 8.6%
Board1 name since 2016
1 directorVAN APEREN Maria
Documentsfilings and deeds
30-06-202631 days before the deadline
2025micro format
Gross margin from €169,932 to €100,164Result from €61,899 to €37,729Dividend €24,000Investments €110,450Cash from €49,369 to €24,006
Key points
from the 2025 annual accountsInvestments
€110,450 3.3 × depreciation
Green is investment, beige is depreciation.
Filings
10 annual accounts 1 late
The 2019 accounts came 20 days late. The other nine were filed on time.
Checked score
92
Excellent
Financially stronger than 33% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: < 0.1%▼ -0.1 percentage points vs 06-2025
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 10-2025lowest value
12-2025: < 0.1%● unchanged vs 11-2025lowest value
01-2026: < 0.1%● unchanged vs 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: 0.1%▲ +0.1 percentage points vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.2%▲ +0.1 percentage points vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026highest value
10-2026: 0.1%▼ -0.1 percentage points vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Liquidity: current ratio 0.12, cash €24,006, halved
lowers risk
Size: total assets €1.1m
Sector: Activities of head offices; management consultancy activities (NACE 70)
Figures for financial year 2025 (filed on 30-06-2026)
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 70, micro). It does better than 34% of them on solvency, 12% on liquidity, 37% on profitability and 48% on growth.
The bankruptcy probability was computed on 09-11-2026 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 31-12-2025.
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, 6,049 companies had the same profile as CJW SERVICES has now. Each dot stands for 16 companies, two years later.
95.9%
were still trading
3.6%
stopped another way
0.4%
went bankrupt
That fits the bankruptcy probability of CJW SERVICES itself: 0.1% within 12 months.
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 6,049 companies, not a prediction for CJW SERVICES. 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 €35,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.12 (0.16 in 2024), below 1. Short-term debt is 49.6% and cash 2.2% of total assets. 64.5% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 days early
2024
38 days early
2023
30 days early
2022
25 days early
2021
54 days early
2020
11 days early
2019
20 days late
← 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 24 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed 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 30 June (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
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0649828437
Change of role: VAN APEREN Maria, from manager to director
Director discharge: VAN APEREN Maria · Gazette deed
Registered office moved from Merksem to Schoten
New registered office: Deurnevoetweg 9, 2900 Schoten · Previous registered office: Zwaantjeslei 86, 2170 Merksem (Antwerpen) · Gazette deed
Incorporation
published on 22-03-2016 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CJW SERVICES Schoten | €1.1m | €100,164 | 35.5% | - |
| BMK Farma Aartselaar | €1.1m | €112,762 | 51.9% | - |
| GROUP-Z Antwerp | €1.0m | €97,063 | 26.9% | - |
| WARLIEN VERMONDEN Hoogstraten | €1.2m | €113,539 | 19.7% | - |
| R. WUYTS Turnhout | €1.1m | €116,901 | 26.5% | - |
| NS & K Westerlo | €0.9m | €114,558 | 43.9% | - |
| Cortex Engineering Heist-op-den-Berg | €1.1m | €114,619 | 23.2% | - |
These companies have the same main activity as CJW SERVICES: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €934,000 and €1.2m, founded between 2015 and 2017.
Official details
Source: KBO- Status
- Active since 29-02-2016Normal situation
- Activity
- Business and other management consultancyNACE 70200and 2 others
- Establishment unit
- 2.251.321.8942900 Schoten, since 29-02-2016
- Financial year end
- 31 December
- Peppol
- Reachable since 04-12-2025
Annual accounts 2025
- ≈ €170,000estimated
- €1.1m▲ 6.8%
- Filing
- Filed on 30-06-2026, 31 days before the end of the filing period
Insights on CJW SERVICES
CJW SERVICES files the micro format. That format states no turnover. The gross margin rose from €44,361 in 2016 to €100,164 in 2025.
The balance sheet grew most from 2017 to 2019 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 CJW SERVICES
- What is the company number of CJW SERVICES?
- The company number of CJW SERVICES is 0649.828.437. The VAT number is the same number with BE in front: BE 0649.828.437.
- Where is CJW SERVICES based?
- The registered office is at Deurnevoetweg 9, 2900 Schoten.Company details
- What does CJW SERVICES do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of CJW SERVICES?
- CJW SERVICES is a private limited company (BV).
- When was CJW SERVICES founded?
- CJW SERVICES was founded on 29-02-2016.
- Is CJW SERVICES still active?
- Yes, CJW SERVICES is an active enterprise in the KBO register.
- What is the turnover of CJW SERVICES?
- The turnover in financial year 2025 is ≈ €170,000. This figure is estimated from the gross margin of €100,164 and 109 comparable companies (NACE 70200). It probably lies between €140,000 and €200,000.Financials
- Is CJW SERVICES profitable?
- In financial year 2025, CJW SERVICES made a profit of €37,729.
- Where can I find the annual accounts of CJW SERVICES?
- CJW SERVICES filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CJW SERVICES due?
- CJW SERVICES must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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