COJAAC
ActiveSummary
The computed 12-month bankruptcy probability of COJAAC is 2.1% (moderate). The 2025 annual accounts show equity of €20k and a net result of €1k. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 81% of 18400 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability75▲+1
Solvency97▼-3
Growth78▲+20
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.36 against 5.12 in 2024; short-term debt: 27.8% and cash: 30.8% of total assets), and 27.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
72.2%
Return on assets
5.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-08-2026, 23 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
23 d late
2024
22 d late
2023
20 d late
2022
20 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k▲ 7.9%
2024 · €19k
Total assets
€28k▲ 20.2%
2024 · €23k
Net result
€1k▼ 56.3%
2024 · €3k
Working capital
€11k▼ 43.5%
2024 · €19k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€-1k-€-4k▼ 183%€4k€5k▲ 48.6%
Net result€-1k-€-4k▼ 205%€3k€1k▼ 56.3%
Equity€20k-€15k▼ 22.0%€19k▲ 22.2%€20k▲ 7.9%
Total assets€20k-€19k▼ 5.1%€23k▲ 22.8%€28k▲ 20.2%
Debt€303-€4k▲ 1,092%€5k▲ 25.4%€8k▲ 70.8%
Working capital€20k-€15k▼ 22.0%€19k▲ 22.2%€11k▼ 43.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 49% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €28k
Fixed assets
€10k
Current assets
€18k
Equity and liabilities €28k
Equity
€20k ▲ 7.9%
Debt
€8k ▲ 70.8%
Debt's share of the balance-sheet total rises from 19.5% to 27.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€7k
Cash flow
€3k
Current ratio
2.36▼
2024 · 5.12
Debt to equity
0.38▲
2024 · 0.24
ROE
7.4%▼
2024 · 18.2%
ROA
5.3%▼
2024 · 14.6%
Interest coverage
38.11
Debt ≤ 1 year
€8k▲
2024 · €5k
Income taxes
€4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | €2k | - |
| Other operating charges640/8 | - | - | - | €434 | - |
| Gross operating margin9900 | €-1k | €-4k | €4k | €8k | ▲ 112% |
| Operating profit (loss)9901 | €-1k | €-4k | €4k | €5k | ▲ 48.6% |
| Financial income75/76B | - | - | - | €5 | - |
| Recurring financial income75 | - | - | - | €5 | - |
| Financial charges65/66B | €2 | €316 | €183 | €187 | ▲ 2.2% |
| Recurring financial charges65 | €2 | €316 | €183 | €187 | ▲ 2.2% |
| Profit (loss) for the period before taxes9903 | €-1k | €-4k | €3k | €5k | ▲ 51.3% |
| Income taxes67/77 | - | - | - | €4k | - |
| Profit (loss) for the period9904 | €-1k | €-4k | €3k | €1k | ▼ 56.3% |
| Profit (loss) for the period to be appropriated9905 | €-1k | €-4k | €3k | €1k | ▼ 56.3% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €20k | €19k | €23k | €28k | ▲ 20.2% |
| Fixed assets21/28 | - | - | - | €10k | - |
| Tangible fixed assets22/27 | - | - | - | €10k | - |
| Furniture and vehicles24 | - | - | - | €10k | - |
| Current assets29/58 | €20k | €19k | €23k | €18k | ▼ 21.2% |
| Stocks and contracts in progress3 | €13k | €15k | €15k | - | - |
| Stocks30/36 | €13k | €15k | €15k | - | - |
| Amounts receivable within one year40/41 | €230 | €619 | €5k | €10k | ▲ 74.9% |
| Trade receivables40 | - | - | €5k | €10k | ▲ 74.9% |
| Other amounts receivable41 | €230 | €619 | - | - | - |
| Cash at bank and in hand54/58 | €7k | €3k | €3k | €9k | ▲ 197% |
| Deferred charges and accrued income490/1 | - | - | - | €172 | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €20k | €19k | €23k | €28k | ▲ 20.2% |
| Equity10/15 | €20k | €15k | €19k | €20k | ▲ 7.9% |
| Contributions10/11 | €21k | €21k | €21k | €21k | = |
| Profit (loss) carried forward14 | €-1k | €-6k | €-2k | €-865 | ▲ 63.1% |
| Amounts payable17/49 | €303 | €4k | €5k | €8k | ▲ 70.8% |
| Amounts payable within one year42/48 | €303 | €4k | €5k | €8k | ▲ 70.8% |
| Trade debts44 | €303 | - | €2k | €2k | ▼ 8.1% |
| Suppliers440/4 | €303 | - | €2k | €2k | ▼ 8.1% |
| Taxes, remuneration and social security45 | - | - | €684 | €6k | ▲ 783% |
| Taxes450/3 | - | - | €684 | €6k | ▲ 783% |
| Other amounts payable47/48 | - | €4k | €2k | €0 | ▼ 100% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-1k | €-4k | €3k | €1k | ▼ 56.3% |
| + Depreciation and write-downs630 | - | - | - | €2k | - |
| Operating cash flow (approximation) | €-1k | €-4k | €3k | €3k | ▼ 2.7% |
| Change in cash | - | €-4k | €-458 | €6k | ▲ 1,343% |
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
23-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 23 days late
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 20 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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Modave · 1 establishment unit since 2022
Ground area
1,688 m²
Building footprint
184 m²
Parcel 61058A0440/00S002, Wallonia. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
ABAQUE DE JAC
since 20222.339.444.911
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61058A0440/00S002 | Wallonia | 1,688 m² | 1 · 184 m² | - |
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.
Similar companies · same sector, comparable size
MARINA VAN ES
BE 0823.765.669
Heist-op-den-Berg · Eq €20,108
MELPOMENE
BE 0417.277.865
Mouscron · Eq €20,198
KARAN
BE 0765.442.341
Saint-Ghislain · Eq €20,071
MIRPUR A.K.
BE 0563.372.337
Anderlecht · Eq €19,985
JAPHAN
BE 0451.544.995
Namur · Eq €19,966
Of 2,342 companies in sector 47621 we hold annual accounts for 1,244. 939 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
Founded25-11-2022
Fiscal year end31-12
Activities, NACEBEL 2025
47621Retail sale of newspapers and periodicals
46492Wholesale trade
46493Wholesale trade
47640Retail sale of games and toys
Scores and ratios are computed by Checked and are not a credit decision.