Financials
- Fiscal year
- 2025
- Total assets
- €1.0m
- Profit
- €40,118
- Solvency
- 26.4%
Total assets▼ 9.5%
Net result
20182025
CJH
ActiveSummary
CJH has been active since 1978 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €269,733 and a net result of €40,118. Equity is growing by ~43.6% per year across the filed fiscal years. Its solvency ranks better than 43% of 20110 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
What they do
Retail sale of information and communication equipment
NACE 47400NACE 47410NACE 52487
#6 oldest company in Torhout, Wholesale and retail trade sector1 site
How big
€1.0mtotal assets 2025
- Equity
- €269,733
- Profit
- €40,118
Turnover not published (abridged schema)
Who decides
Accounts 9 d early0 of 4 deeds read
Why 94- Sector Retail trade (NACE 47)+ Size: total assets €1.0m+ Founded in 1978+ Figures for FY 2025 (filed 22-07-2026)Show the evidence
Checked score
Score 2025
94
/ 100
Excellent
Probability in this band: under 0.55%
Better than 55% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Average
Solvency
51+6
equity 26.4% of total assets
Liquidity
58-6
short-term debt 24.5% · cash 13.5%
Profitability
62-5
return on assets 3.9%
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
- Size: total assets €1.0m lowers the probability for this profile
- Founded in 1978 lowers the probability for this profile
- Sector Retail trade (NACE 47) raises the probability
- Figures for FY 2025 (filed 22-07-2026) lowers the probability
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 2.78 against 2.19 in 2024; short-term debt: 24.5% and cash: 13.5% of total assets), but 73.6% 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 47, micro). Better than this share of them on solvency 42%, liquidity 64%, profitability 43%, growth against the median 70%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
22 d late
2023
40 d early
2022
32 d late
2021
18 d early
2020
13 d early
2019
9 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 5 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 (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 22 July (4 of the last 5 filed years within 31 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Highest result since 2018net €65,631 ▲12.7%
Key points
By topic
Timeline
- Events
- 16
- Since
- 2017
- Next accounts
- by 31-07-2027
- 22-07-2026Annual accounts filed
- 22-08-2025Annual accounts filed
- 31-12-2024Highest result since 2018
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Retail sale of information and communication equipmentNACE 47400
- Founded
- 26-05-1978
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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