COMPJO

Active

Private limited companyfounded 20232 yrs activede Schiervellaan 39, 3650 Dilsen-Stokkem, BelgiumKBO/BCE: BE 1002.120.856

COMPJO has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €576k and a net result of €-1k. Its solvency ranks better than 95% of 1282 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).

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Checked score

Score 2025

73 / 100

Healthy▲ +18 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0=

Solvency80▼-20

Growth58

Stability82

Bankruptcy probability, 12 months

1.4% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €40k at 30 days only on tighter terms

Liquidity tight (current ratio 1.11 against 30.67 in 2024), and 9.4% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

90.6%

Return on assets

-0.2%

Age of the figures

8 mo

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 55

Relative position

BE, all sectors

reference

Sector 55

higher

← fewer bankruptcies more bankruptcies →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

29 d early

2024

30 d early

← before the deadline after the deadline →

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 months

Position in the running window

12-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€576k▼ 0.2%

2024 · €577k

2024: €577k

2024 → 2025

Total assets

€635k▲ 8.5%

2024 · €586k

2024: €586k

2024 → 2025

Net result

€-1k▲ 94.0%

2024 · €-23k

2024: €-23k

2024 → 2025

Working capital

€7k▼ 97.3%

2024 · €248k

2024: €248k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€577k-€576k▼ 0.2%

Operating result€-24k-€-2k▲ 92.5%

Net result€-23k-€-1k▲ 94.0%

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 €2k in 2025 against €24k in 2024; the loss shrinks.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €635k

89.5%

10%

Fixed assets €568k▲ 73.1%

Current assets €66k▼ 74.1%

Equity and liabilities €635k

90.6%

Equity €576k▼ 0.2%

Debt €60k▲ 614%

The debt ratio rises from 1.4% to 9.4%: debt grows while equity shrinks.

Key figures and ratios

2025 value · change against 2024

EBITDA

€16k▲

2024 · €-24k

Cash flow

€16k▲

2024 · €-23k

Solvency

90.6%▼

2024 · 98.6%

Current ratio

1.11▼

2024 · 30.67

Quick ratio

1.11▼

2024 · 30.67

Debt / equity

0.10▲

2024 · 0.01

ROE

-0.2%▲

2024 · -4.0%

ROA

-0.2%▲

2024 · -3.9%

Interest coverage

94.63▲

2024 · -2405894.00

Debt

€60k▲

2024 · €8k

Debt ≤ 1 year

€60k▲

2024 · €8k

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 · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€586k€635k▲

Formation expenses20€1k€759▼

Fixed assets21/28€328k€568k▲

Tangible fixed assets22/27€328k€568k▲

Land and buildings22€325k€484k▲

Plant, machinery and equipment23-€5k

Furniture and vehicles24€3k€80k▲

Current assets29/58€256k€66k▼

Amounts receivable within one year40/41€7k€4k▼

Trade receivables40-€2k

Other amounts receivable41€7k€1k▼

Cash at bank and in hand54/58€249k€63k▼

Deferred charges and accrued income490/1-€59

Equity and liabilities

Total equity and liabilities10/49€586k€635k▲

Equity10/15€577k€576k▼

Contributions10/11€600k€600k=

Profit (loss) carried forward14€-23k€-24k▼

Amounts payable17/49€8k€60k▲

Amounts payable within one year42/48€8k€60k▲

Trade debts44€8k€150▼

Suppliers440/4€8k€150▼

Taxes, remuneration and social security45-€2k

Remuneration and social security454/9-€2k

Other amounts payable47/48-€58k

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€253€18k▲

Other operating charges640/8€62€62=

Gross operating margin9900€-24k€16k▲

Operating profit (loss)9901€-24k€-2k▲

Financial income75/76B€1k€642▼

Recurring financial income75€1k€642▼

Financial charges65/66B€0€169▲

Recurring financial charges65€0€169▲

Profit (loss) for the period before taxes9903€-23k€-1k▲

Profit (loss) for the period9904€-23k€-1k▲

Profit (loss) for the period to be appropriated9905€-23k€-1k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-23k€-24k▼

Profit (loss) brought forward from the previous period14P-€-23k

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

02-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

01-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Dilsen-Stokkem · 1 establishment unit since 2023

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.

de Schiervellaan 393650 Dilsen-Stokkem

Ground area

949 m²

Building footprint

168 m²

Volume, LiDAR

652 m³

Parcel 72032A0853/00R000, Flanders · tallest building 5.6 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

COMPJO

de Schiervellaan 39, 3650 Dilsen-StokkemAccommodation

since 20232.352.177.843

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
72032A0853/00R000	Flanders	949 m²	1 · 168 m²	5.6 m · 1 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

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

Rijkevorsel · Eq €559k

Of 2,993 companies in sector 55203 we hold annual accounts for 687. 403 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded09-11-2023

Fiscal year end31-12

Activities, NACEBEL

55203Holiday cottages, homes and apartments

82990Other business support services

93299Other amusement and recreation activities

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.