CAJEMY
ActiveSummary
CAJEMY has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €246,510 and a net result of €20. Equity is growing by ~60.4% per year across the filed fiscal years. Its solvency ranks better than 88% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability63▼-35
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17,000 at 30 days acceptable
Liquidity ample (current ratio 2.37 against 2.11 in 2023; short-term debt: 19.6% and cash: 18.2% of total assets), and 19.6% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-09-2025, 49 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
49 d late
2023
7 d late
2022
7 d early
2021
17 d early
2020
23 d early
2019
32 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 4 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€246,510▼ 6.3%
2023 · €262,961
Total assets
€306,780▼ 11.2%
2023 · €345,650
Net result
€20▼ 100.0%
2023 · €81,438
Working capital
€82,828▼ 9.4%
2023 · €91,416
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€21,735▼ 50.2%€176,351▲ 711%€204,085▲ 15.7%€117,058▼ 42.6%€14,650▼ 87.5%
Net result€13,997within the sector's middle half▼ 57.2%€138,818above the sector's middle half▲ 892%€136,858above the sector's middle half▼ 1.4%€81,438above the sector's middle half▼ 40.5%€20within the sector's middle half▼ 100.0%
Equity€40,028within the sector's middle half▲ 53.8%€88,229within the sector's middle half▲ 120%€188,925above the sector's middle half▲ 114%€262,961above the sector's middle half▲ 39.2%€246,510above the sector's middle half▼ 6.3%
Total assets€117,813within the sector's middle half▼ 3.5%€224,244within the sector's middle half▲ 90.3%€294,427within the sector's middle half▲ 31.3%€345,650above the sector's middle half▲ 17.4%€306,780within the sector's middle half▼ 11.2%
Debt€77,785▼ 19.1%€136,015▲ 74.9%€105,502▼ 22.4%€82,689▼ 21.6%€60,270▼ 27.1%
Working capital€36,419within the sector's middle half▲ 80.1%€83,236within the sector's middle half▲ 129%€181,003above the sector's middle half▲ 117%€91,416above the sector's middle half▼ 49.5%€82,828within the sector's middle half▼ 9.4%
Solvency34.0%within the sector's middle half▲ 12.7pp39.3%within the sector's middle half▲ 5.4pp64.2%above the sector's middle half▲ 24.8pp76.1%above the sector's middle half▲ 11.9pp80.4%above the sector's middle half▲ 4.3pp
Current ratio1.47within the sector's middle half▲ 0.261.61within the sector's middle half▲ 0.142.72above the sector's middle half▲ 1.102.11within the sector's middle half▼ 0.612.37within the sector's middle half▲ 0.27
Return on assets (ROA)11.9%within the sector's middle half▼ 14.9pp61.9%above the sector's middle half▲ 50.0pp46.5%above the sector's middle half▼ 15.4pp23.6%above the sector's middle half▼ 22.9pp0.0%within the sector's middle half▼ 23.6pp
Staff (FTE)1.1within the sector's middle half▲ 37.5%1▼ 9.1%2.8▲ 180%3.2▲ 14.3%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 87% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €306,780
Fixed assets
€163,682 ▼ 4.6%
Current assets
€143,098 ▼ 17.8%
Equity and liabilities €306,780
Equity
€246,510 ▼ 6.3%
Debt
€60,270 ▼ 27.1%
Debt's share of the balance-sheet total falls from 23.9% to 19.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€35,462▼
2023 · €124,743
Cash flow
€20,832▼
2023 · €89,123
Quick ratio
2.01▲
2023 · 1.64
Debt to equity
0.24▼
2023 · 0.31
ROE
0.0%▼
2023 · 31.0%
Interest coverage
5.31▼
2023 · 9.04
Debt ≤ 1 year
€60,270▼
2023 · €82,689
Income taxes
€8,426▼
2023 · €21,819
Staff costs
€96,921▼
2023 · €101,567
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 10,905 companies that looked in July 2024 the way this one looks now, 0.8% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.8%
went bankrupt
4.0%
stopped otherwise
95%
still going
For this company itself Checked computes a higher bankruptcy probability: 1.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 10,905 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €41,589 | €67,742 | €101,567 | €96,921 | ▼ 4.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,196 | €2,399 | €1,771 | €7,685 | €20,812 | ▲ 171% |
| Other operating charges640/8 | - | - | - | €309 | €215 | ▼ 30.4% |
| Gross operating margin9900 | €47,634 | €220,339 | €273,598 | €226,619 | €132,598 | ▼ 41.5% |
| Operating profit (loss)9901 | €21,735 | €176,351 | €204,085 | €117,058 | €14,650 | ▼ 87.5% |
| Financial income75/76B | - | €9,777 | €365 | - | €475 | - |
| Recurring financial income75 | €234 | €9,777 | €365 | - | €475 | - |
| Financial charges65/66B | - | €4,544 | €6,488 | €13,801 | €6,679 | ▼ 51.6% |
| Recurring financial charges65 | €3,958 | €4,544 | €6,488 | €13,801 | €6,679 | ▼ 51.6% |
| Profit (loss) for the period before taxes9903 | €18,011 | €181,584 | €197,962 | €103,257 | €8,446 | ▼ 91.8% |
| Income taxes67/77 | €4,014 | €42,766 | €61,104 | €21,819 | €8,426 | ▼ 61.4% |
| Profit (loss) for the period9904 | €13,997 | €138,818 | €136,858 | €81,438 | €20 | ▼ 100.0% |
| Profit (loss) for the period to be appropriated9905 | €13,997 | €138,818 | €136,858 | €81,438 | €20 | ▼ 100.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €117,813 | €224,244 | €294,427 | €345,650 | €306,780 | ▼ 11.2% |
| Fixed assets21/28 | €3,609 | €4,993 | €7,922 | €171,545 | €163,682 | ▼ 4.6% |
| Tangible fixed assets22/27 | €3,609 | €4,993 | €7,922 | €171,545 | €163,682 | ▼ 4.6% |
| Plant, machinery and equipment23 | - | - | - | €8,061 | €6,392 | ▼ 20.7% |
| Furniture and vehicles24 | - | €3,581 | €3,622 | €3,433 | €1,387 | ▼ 59.6% |
| Other tangible fixed assets26 | - | €1,412 | €4,300 | €160,051 | €155,903 | ▼ 2.6% |
| Current assets29/58 | €114,204 | €219,251 | €286,505 | €174,105 | €143,098 | ▼ 17.8% |
| Stocks and contracts in progress3 | €5,218 | €9,469 | €38,180 | €38,138 | €21,749 | ▼ 43.0% |
| Stocks30/36 | - | €9,469 | €38,180 | €38,138 | €21,749 | ▼ 43.0% |
| Amounts receivable within one year40/41 | €40,835 | €81,400 | €66,842 | €56,151 | €65,443 | ▲ 16.5% |
| Trade receivables40 | - | €81,400 | €66,842 | €56,151 | €59,443 | ▲ 5.9% |
| Other amounts receivable41 | - | - | - | - | €6,000 | - |
| Cash at bank and in hand54/58 | €68,151 | €128,382 | €181,483 | €79,816 | €55,906 | ▼ 30.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €117,813 | €224,244 | €294,427 | €345,650 | €306,780 | ▼ 11.2% |
| Equity10/15 | €40,028 | €88,229 | €188,925 | €262,961 | €246,510 | ▼ 6.3% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €19,568 | €67,769 | €168,465 | €242,501 | €226,050 | ▼ 6.8% |
| Amounts payable17/49 | €77,785 | €136,015 | €105,502 | €82,689 | €60,270 | ▼ 27.1% |
| Amounts payable within one year42/48 | €77,785 | €136,015 | €105,502 | €82,689 | €60,270 | ▼ 27.1% |
| Trade debts44 | €25,265 | €52,468 | €22,781 | €24,896 | €21,589 | ▼ 13.3% |
| Suppliers440/4 | - | €52,468 | €22,781 | €24,896 | €21,589 | ▼ 13.3% |
| Taxes, remuneration and social security45 | - | €83,547 | €82,721 | €57,793 | €38,346 | ▼ 33.6% |
| Taxes450/3 | - | €83,543 | €75,353 | €42,898 | €19,067 | ▼ 55.6% |
| Remuneration and social security454/9 | - | €4 | €7,368 | €14,895 | €19,279 | ▲ 29.4% |
| Other amounts payable47/48 | - | - | - | - | €335 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13,997 | €138,818 | €136,858 | €81,438 | €20 | ▼ 100.0% |
| + Depreciation and write-downs630 | €2,196 | €2,399 | €1,771 | €7,685 | €20,812 | ▲ 171% |
| Operating cash flow (approximation) | €16,193 | €141,217 | €138,629 | €89,123 | €20,832 | ▼ 76.6% |
| Investment in fixed assets (approximation) | - | -€3,783 | -€4,700 | -€171,308 | -€12,949 | ▲ 92.4% |
| Change in cash | - | €60,231 | €53,101 | -€101,667 | -€23,910 | ▲ 76.5% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 49 days late
2024
31-12
Financial
Weakest financial yearnet €20 ▼100%
Net result drops to €20, the lowest in the series.
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
2023
31-12
Financial
Equity above €200,000Eq €262,961 ▲39.2%
6 profitable years in a row build equity to €262,961.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150,000Eq €188,925 ▲114%
5 profitable years in a row build equity to €188,925.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €138,818 ▲892%
Net result €138,818, the highest in the series.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are 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, Brussel · 1 establishment unit since 2014
Ground area
32 m²
Building footprint
30 m²
Volume, LiDAR
383 m³
Parcel 21004A0402/00A000, Brussels · tallest building 19.9 m, ±4 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
THE E SMOKER
since 20142.240.705.839
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21004A0402/00A000 | Brussels | 32 m² | 1 · 30 m² | 19.9 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
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Of 4,238 companies in sector 47789 we hold annual accounts for 1,019. 777 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded18-07-2014
Fiscal year end31-12
Activities, NACEBEL 2025
47789Other retail sale of new goods
Contact
Website
www.the-e-smoker.comBrussel
E-invoicing
Reachable via Peppol
Peppol ID
0208:0556714078
Also
9925:BE0556714078
Registered
31-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.