CAJMI
ActiveSummary
The computed 12-month bankruptcy probability of CAJMI is 9.3% (elevated). The 2025 annual accounts show negative equity (-€36,796) and a net result of -€57,826. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 18973 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-65
Solvency0▼-54
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
9.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.2 against 1.37 in 2024; short-term debt: 137.4% and cash: 6.1% of total assets), and equity is negative.
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Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · 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 2025Solvency, return and age of the figures
Solvency
-51.8%
Return on assets
-81.4%
Age of the figures
9 mo
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 →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year -€36,796
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
34 d late
2023
110 d late
2022
59 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 59 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 16 September (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
-€36,796
2024 · €21,030
Total assets
€71,002▼ 3.4%
2024 · €73,496
Net result
-€57,826
2024 · €2,127
Working capital
-€78,125
2024 · €12,498
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€10,579-€6,157▼ 41.8%€8,695▲ 41.2%-€50,531
Net result€8,091within the sector's middle half-€4,813within the sector's middle half▼ 40.5%€2,127within the sector's middle half▼ 55.8%-€57,826below the sector's middle half
Equity€14,091within the sector's middle half-€18,903within the sector's middle half▲ 34.2%€21,030within the sector's middle half▲ 11.3%-€36,796below the sector's middle half
Total assets€63,698within the sector's middle half-€76,139within the sector's middle half▲ 19.5%€73,496within the sector's middle half▼ 3.5%€71,002within the sector's middle half▼ 3.4%
Debt€49,607-€57,236▲ 15.4%€52,466▼ 8.3%€107,798▲ 105%
Working capital€12,214within the sector's middle half-€13,362within the sector's middle half▲ 9.4%€12,498within the sector's middle half▼ 6.5%-€78,125below the sector's middle half
Solvency22.1%within the sector's middle half-24.8%within the sector's middle half▲ 2.7pp28.6%within the sector's middle half▲ 3.8pp-51.8%below the sector's middle half▼ 80.4pp
Current ratio1.42within the sector's middle half-1.44within the sector's middle half▲ 0.021.37within the sector's middle half▼ 0.070.20below the sector's middle half▼ 1.17
Return on assets (ROA)12.7%above the sector's middle half-6.3%within the sector's middle half▼ 6.4pp2.9%within the sector's middle half▼ 3.4pp-81.4%below the sector's middle half▼ 84.3pp
Staff (FTE)0.3
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 turns negative in 2025: a loss of €50,531 after €8,695 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €71,002
Fixed assets
€51,546 ▲ 89.4%
Current assets
€19,457 ▼ 58.0%
Equity and liabilities
Equity-€36,796
Debt€107,798
Equity is negative: debt (€107,798) exceeds the balance-sheet total (€71,002).
Key figures and ratios
EBITDA
-€36,743▼
2024 · €18,624
Cash flow
-€44,038▼
2024 · €12,055
Quick ratio
0.05▼
2024 · 1.37
Interest coverage
-7.40▼
2024 · 5.11
Debt ≤ 1 year
€97,582▲
2024 · €33,785
Debt > 1 year
€10,216▼
2024 · €18,681
Income taxes
€2,329▼
2024 · €2,968
Staff costs
€71,957▲
2024 · €16,612
No debt to equity: equity is negative, so debt divided by equity means nothing.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 7,638 companies that looked in July 2024 the way this one looks now, 8.9% went bankrupt within 24 months and 85% are still going.
- Micro
- 2 to 5 years old
- negative equity
- a loss of 10% of the balance sheet or more
8.9%
went bankrupt
5.6%
stopped otherwise
85%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 9.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 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% | 1.8% |
| 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 7,638 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 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €16,612 | €71,957 | ▲ 333% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,032 | €6,360 | €9,928 | €13,788 | ▲ 38.9% |
| Other operating charges640/8 | - | €688 | €3,844 | €1,137 | ▼ 70.4% |
| Gross operating margin9900 | €13,611 | €13,205 | €39,079 | €36,351 | ▼ 7.0% |
| Operating profit (loss)9901 | €10,579 | €6,157 | €8,695 | -€50,531 | ▼ 681% |
| Financial income75/76B | - | €42 | €43 | €0 | ▼ 99.8% |
| Recurring financial income75 | - | €42 | €43 | €0 | ▼ 99.8% |
| Financial charges65/66B | €589 | €1,412 | €3,643 | €4,967 | ▲ 36.3% |
| Recurring financial charges65 | €589 | €1,412 | €3,643 | €4,967 | ▲ 36.3% |
| Profit (loss) for the period before taxes9903 | €9,991 | €4,787 | €5,095 | -€55,498 | ▼ 1,189% |
| Income taxes67/77 | €1,900 | -€26 | €2,968 | €2,329 | ▼ 21.5% |
| Profit (loss) for the period9904 | €8,091 | €4,813 | €2,127 | -€57,826 | ▼ 2,819% |
| Profit (loss) for the period to be appropriated9905 | €8,091 | €4,813 | €2,127 | -€57,826 | ▼ 2,819% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €63,698 | €76,139 | €73,496 | €71,002 | ▼ 3.4% |
| Fixed assets21/28 | €22,181 | €32,322 | €27,213 | €51,546 | ▲ 89.4% |
| Intangible fixed assets21 | €568 | €301 | €34 | €33,822 | ▲ 98,449% |
| Tangible fixed assets22/27 | €21,536 | €31,943 | €26,708 | €16,632 | ▼ 37.7% |
| Plant, machinery and equipment23 | €4,039 | €3,564 | €6,271 | €5,475 | ▼ 12.7% |
| Furniture and vehicles24 | €17,497 | €28,379 | €20,437 | €11,157 | ▼ 45.4% |
| Financial fixed assets28 | €78 | €78 | €470 | €1,091 | ▲ 132% |
| Current assets29/58 | €41,517 | €43,817 | €46,283 | €19,457 | ▼ 58.0% |
| Stocks and contracts in progress3 | - | - | - | €15,000 | - |
| Stocks30/36 | - | - | - | €15,000 | - |
| Amounts receivable within one year40/41 | €23,689 | €29,062 | €29,513 | €0 | ▼ 100% |
| Trade receivables40 | €18,694 | €11,194 | €8,607 | €0 | ▼ 100% |
| Other amounts receivable41 | €4,994 | €17,867 | €20,906 | - | - |
| Cash at bank and in hand54/58 | €17,828 | €14,756 | €16,532 | €4,333 | ▼ 73.8% |
| Deferred charges and accrued income490/1 | - | - | €239 | €124 | ▼ 48.1% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €63,698 | €76,139 | €73,496 | €71,002 | ▼ 3.4% |
| Equity10/15 | €14,091 | €18,903 | €21,030 | -€36,796 | ▼ 275% |
| Contributions10/11 | €6,000 | €6,000 | €6,000 | €6,000 | = |
| Capital10 | €6,000 | - | - | - | - |
| Issued capital100 | €6,000 | - | - | - | - |
| Profit (loss) carried forward14 | €8,091 | €12,903 | €15,030 | -€42,796 | ▼ 385% |
| Amounts payable17/49 | €49,607 | €57,236 | €52,466 | €107,798 | ▲ 105% |
| Amounts payable after more than one year17 | €20,305 | €26,780 | €18,681 | €10,216 | ▼ 45.3% |
| Financial debts170/4 | €20,305 | €26,780 | €18,681 | €10,216 | ▼ 45.3% |
| Amounts payable within one year42/48 | €29,303 | €30,456 | €33,785 | €97,582 | ▲ 189% |
| Current portion of amounts payable after more than one year42 | €5,054 | €7,117 | €8,099 | €7,667 | ▼ 5.3% |
| Financial debts43 | - | €236 | - | - | - |
| Credit institutions430/8 | - | €236 | - | - | - |
| Trade debts44 | €9,881 | €8,847 | €4,183 | €15,063 | ▲ 260% |
| Suppliers440/4 | €9,881 | €8,847 | €4,183 | €15,063 | ▲ 260% |
| Taxes, remuneration and social security45 | €14,368 | €14,256 | €21,503 | €36,538 | ▲ 69.9% |
| Taxes450/3 | €11,988 | €11,815 | €12,731 | €25,678 | ▲ 102% |
| Remuneration and social security454/9 | €2,381 | €2,441 | €8,772 | €10,860 | ▲ 23.8% |
| Other amounts payable47/48 | - | - | - | €38,314 | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,091 | €4,813 | €2,127 | -€57,826 | ▼ 2,819% |
| + Depreciation and write-downs630 | €3,032 | €6,360 | €9,928 | €13,788 | ▲ 38.9% |
| Operating cash flow (approximation) | €11,123 | €11,173 | €12,055 | -€44,038 | ▼ 465% |
| Investment in fixed assets (approximation) | - | -€16,500 | -€4,820 | -€38,121 | ▼ 691% |
| Change in cash | - | -€3,072 | €1,776 | -€12,199 | ▼ 787% |
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet -€57,826
Net result drops to -€57,826, the lowest in the series.
03-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 34 days late
2024
18-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 110 days late
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
No directors read yet: 0 of 3 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Ukkel · 3 establishment units since 2021
Ground area
2,204 m²
Building footprint
544 m²
Volume, LiDAR
2,750 m³
3 parcels, Brussels, Wallonia · tallest building 19.8 m, ±6 floors. Linked by address, not a title deed.
3 establishment units
Cajmi
since 2021unit no. 2.322.560.575
Rue de la Station 61, 4430 Ans
since 2024unit no. 2.367.013.794
Rue de Tilff 44, 4100 Seraing
since 2024unit no. 2.367.014.091
3 parcels
Wallonia
2
(66.7%)
Brussels
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62019B0695/00M000 | Wallonia | 1,377 m² | 1 · 314 m² | - |
| 62332B0027/00M025 | Wallonia | 657 m² | 1 · 58 m² | - |
| 21016B0034/00P014 | Brussels | 170 m² | 1 · 172 m² | 19.8 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteUkkelunit no. 2.322.560.575
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 1,512 companies in this sector we hold annual accounts for 806. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded04-10-2021
Fiscal year end31-12
Activities, NACEBEL 2025
47540Retail sale of electrical household appliances
46180Agents specialised in the wholesale of other particular products
46190Agents in non-specialised wholesale trade
47120Other non-specialised retail sale
47279Other retail sale of food
62100Computer programming
62200Computer consultancy and computer facilities management
E-invoicing
Reachable via Peppol
Peppol ID
0208:0775253494
Also
9925:BE0775253494
Registered
15-04-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.