CJEM
ActiveThe computed 12-month bankruptcy probability of CJEM is 3.4% (moderate). The 2024 annual accounts show equity of €35k and a net result of €-223. Equity is shrinking by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 27% of 26057 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability0=
Solvency16=
Growth58=
Stability100
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.06 against 1.06 in 2023), and 94.2% of the assets are financed with debt.
Credit advice for your own amount and term
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 · 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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
5.8%
Return on assets
0%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-06-2025, 43 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
43 d early
2023
51 d early
2022
48 d early
2021
52 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€35k▼ 0.6%
2023 · €35k
2021: €38k
2022: €36k
2023: €35k
2021 → 2024
Total assets
€595k=
2023 · €595k
2021: €598k
2022: €599k
2023: €595k
2021 → 2024
Net result
€-223▲ 84.0%
2023 · €-1k
2021: €-2k
2022: €-1k
2023: €-1k
2021 → 2024
Working capital
€35k▼ 0.6%
2023 · €35k
2021: €38k
2022: €36k
2023: €35k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€38k-€36k▼ 3.8%€35k▼ 3.8%€35k▼ 0.6%
Operating result€-2k-€-1k▲ 38.4%€-1k▲ 2.5%€-884▲ 30.3%
Net result€-2k-€-1k▲ 37.5%€-1k▲ 2.3%€-223▲ 84.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €884 in 2024 against €1k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €595k
Equity
€35k▼ 0.6%
Debt
€560k=
The debt ratio stays at 94.2%.
Key figures and ratios
Solvency
5.8%▼
2023 · 5.9%
Current ratio
1.06=
2023 · 1.06
Quick ratio
0.09▼
2023 · 0.10
Debt / equity
16.14▲
2023 · 16.04
ROE
-0.6%▲
2023 · -4.0%
ROA
0.0%▲
2023 · -0.2%
Debt
€560k=
2023 · €560k
Debt ≤ 1 year
€560k=
2023 · €560k
Income taxes
€0
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€595k€595k=
Current assets29/58€595k€595k=
Stocks and contracts in progress3€540k€542k▲
Stocks30/36€540k€542k▲
Amounts receivable within one year40/41-€239
Other amounts receivable41-€239
Cash at bank and in hand54/58€55k€53k▼
Equity and liabilities
Total equity and liabilities10/49€595k€595k=
Equity10/15€35k€35k▼
Contributions10/11€40k€40k=
Profit (loss) carried forward14€-5k€-5k▼
Amounts payable17/49€560k€560k=
Amounts payable within one year42/48€560k€560k=
Trade debts44€77€9▼
Suppliers440/4€77€9▼
Other amounts payable47/48€560k€560k=
Income statement
Code20232024
Other operating charges640/8€384€387▲
Gross operating margin9900€-885€-497▲
Operating profit (loss)9901€-1k€-884▲
Financial income75/76B-€797
Recurring financial income75-€797
Financial charges65/66B€120€135▲
Recurring financial charges65€120€135▲
Profit (loss) for the period before taxes9903€-1k€-223▲
Income taxes67/77-€0
Profit (loss) for the period9904€-1k€-223▲
Profit (loss) for the period to be appropriated9905€-1k€-223▲
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€-5k▼
Profit (loss) brought forward from the previous period14P€-4k€-5k▼
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
NBB filing
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, Oupeye · 2 establishment units since 2020
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue du Moulin 244684 OupeyeGround area
1,978 m²
Building footprint
359 m²
Volume, LiDAR
2,338 m³
2 parcels, Wallonia · tallest building 12.0 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
CJEM
since 20202.307.357.905
Leonidas Herve
since 20252.381.676.533
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62048B2028/00D000 | Wallonia | 1,544 m² | 1 · 359 m² | 12.0 m · 2 fl. |
| 63035A0005/00P004 | Wallonia | 434 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Campens Astrid
BE 0791.954.916
Zottegem · Eq €35k
CHOCOLAT & CHOCOLAT
BE 0540.868.238
Tinlot · Eq €35k
De Suikerbakker
BE 0475.842.309
Aarschot · Eq €35k
ODAVO
BE 0779.243.560
Kapellen · Eq €34k
FALCON CHOCOLAIT
BE 0748.600.171
Beaumont · Eq €34k
Of 898 companies in sector 47242 we hold annual accounts for 338. 287 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-07-2020
Fiscal year end31-12
Activities, NACEBEL
47242Retail sale of chocolate and confectionery
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.