CSJ COMPUTERS
ActiveSummary
The computed 12-month bankruptcy probability of CSJ COMPUTERS is 1.8% (moderate). The 2025 annual accounts show negative equity (-€13,862) and a net result of -€9,023. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 15% of 13,741 sector peers (NACE 46, financial year 2025). The company has been active since 2001 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 18-10-2001 Normal situation
- Activity
- Wholesale of information and communication equipment NACE 46500and 1 other
- Establishment unit
- 2.095.373.313 3390 Tielt-Winge, since 27-11-2001
- Financial year end
- 30 September
- Peppol
- Reachable since 13-03-2026
Financial position
- Bankruptcy probabilitywithin 12 months
- 1.8%
- Gross margin
- €8,215
- ▼ 3.4%
- Turnover
- ≈ €100,000
- estimated
- Loss
- €9,023
- ▼ 25.5%
- Equity
- -€13,862
- ▼ 186%
- Total assets
- €64,240
- ▼ 16.9%
- Negative equity on 30-09-2025
Score breakdownraises riskLoss of €9,023, the second in a row (financial year 2025)Negative equity -€13,862Liquidity: current ratio 0.03lowers riskSize: total assets €64,240Show the evidence
Checked score
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 12% of them on solvency, 1% on liquidity, 13% on profitability and 3% on growth.
The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 3 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 29-04-2026 PDF all 24 filings
Every figure per financial year
The operating result for 2025 is a loss of €7,941, smaller than the loss of €11,049 in 2024.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,443 | €4,443 | - | - | - | - | - | - |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €3,249 | €3,249 | €3,249 | €3,249 | €12,995 | ▲ 300% |
| Other operating charges640/8 | - | - | €1,903 | €1,185 | €891 | €16,306 | €3,162 | ▼ 80.6% |
| Gross operating margin9900 | €8,215 | €15,664 | €5,948 | -€3,890 | €5,741 | €8,505 | €8,215 | ▼ 3.4% |
| Operating profit (loss)9901 | -€39 | €6,562 | €797 | -€8,324 | €1,601 | -€11,049 | -€7,941 | ▲ 28.1% |
| Financial income75/76B | - | - | €227 | €418 | - | - | - | - |
| Recurring financial income75 | - | - | €227 | €418 | - | - | - | - |
| Financial charges65/66B | - | - | €1,275 | €923 | €436 | €1,057 | €1,082 | ▲ 2.4% |
| Recurring financial charges65 | - | €1,621 | €1,275 | €923 | €436 | €1,057 | €1,082 | ▲ 2.4% |
| Profit (loss) for the period before taxes9903 | -€39 | €4,941 | -€251 | -€8,829 | €1,165 | -€12,106 | -€9,023 | ▲ 25.5% |
| Profit (loss) for the period9904 | -€39 | €4,941 | -€251 | -€8,829 | €1,165 | -€12,106 | -€9,023 | ▲ 25.5% |
| Profit (loss) for the period to be appropriated9905 | -€39 | €4,941 | -€251 | -€8,829 | €1,165 | -€12,106 | -€9,023 | ▲ 25.5% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €129,624 | €141,116 | €137,678 | €83,102 | €81,523 | €77,348 | €64,240 | ▼ 16.9% |
| Fixed assets21/28 | €67,898 | €63,455 | €63,454 | €63,454 | €63,454 | €62,204 | €62,204 | = |
| Tangible fixed assets22/27 | €66,648 | €62,205 | €62,204 | €62,204 | €62,204 | €62,204 | €62,204 | = |
| Other tangible fixed assets26 | - | - | €62,204 | €62,204 | €62,204 | €62,204 | €62,204 | = |
| Financial fixed assets28 | €1,250 | €1,250 | €1,250 | €1,250 | €1,250 | - | - | - |
| Current assets29/58 | €61,726 | €77,661 | €74,224 | €19,648 | €18,069 | €15,144 | €2,036 | ▼ 86.6% |
| Stocks and contracts in progress3 | €29,238 | €25,989 | €22,741 | €19,492 | €16,243 | €12,995 | - | - |
| Stocks30/36 | - | - | €22,741 | €19,492 | €16,243 | €12,995 | - | - |
| Amounts receivable within one year40/41 | €32,365 | €47,729 | €51,083 | €137 | €914 | €897 | €1,676 | ▲ 86.9% |
| Trade receivables40 | - | - | €50,615 | - | €726 | €650 | €1,429 | ▲ 120% |
| Other amounts receivable41 | - | - | €468 | €137 | €188 | €247 | €247 | = |
| Cash at bank and in hand54/58 | €123 | €3,943 | €400 | €18 | €912 | €389 | - | - |
| Deferred charges and accrued income490/1 | - | - | - | - | - | €863 | €360 | ▼ 58.3% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €129,624 | €141,116 | €137,678 | €83,102 | €81,523 | €77,348 | €64,240 | ▼ 16.9% |
| Equity10/15 | €10,241 | €15,182 | €14,931 | €6,103 | €7,268 | -€4,839 | -€13,862 | ▼ 186% |
| Contributions10/11 | €12,450 | - | €12,450 | €12,450 | €12,450 | €12,450 | €12,450 | = |
| Reserves13 | €325 | €325 | €325 | €325 | €325 | €325 | €325 | = |
| Non-distributable reserves130/1 | - | - | €325 | €325 | €325 | €325 | €325 | = |
| Reserves not available under the articles1311 | - | - | €325 | €325 | €325 | €325 | €325 | = |
| Profit (loss) carried forward14 | -€2,534 | €2,407 | €2,156 | -€6,673 | -€5,508 | -€17,614 | -€26,637 | ▼ 51.2% |
| Amounts payable17/49 | €119,383 | €125,934 | €122,747 | €76,999 | €74,255 | €82,186 | €78,102 | ▼ 5.0% |
| Amounts payable within one year42/48 | €119,383 | €125,934 | €122,747 | €76,999 | €74,255 | €82,186 | €78,102 | ▼ 5.0% |
| Financial debts43 | - | - | - | - | - | - | €19 | - |
| Credit institutions430/8 | - | - | - | - | - | - | €19 | - |
| Trade debts44 | €11,419 | €10,309 | €11,525 | €5,954 | €6,234 | €4,667 | €2,003 | ▼ 57.1% |
| Suppliers440/4 | - | - | €11,525 | €5,954 | €6,234 | €4,667 | €2,003 | ▼ 57.1% |
| Taxes, remuneration and social security45 | - | - | €63 | €63 | €63 | €63 | €63 | = |
| Taxes450/3 | - | - | €63 | €63 | €63 | €63 | €63 | = |
| Other amounts payable47/48 | - | - | €111,160 | €70,983 | €67,958 | €77,457 | €76,018 | ▼ 1.9% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€39 | €4,941 | -€251 | -€8,829 | €1,165 | -€12,106 | -€9,023 | ▲ 25.5% |
| + Depreciation and write-downs630 | €4,443 | €4,443 | - | - | - | - | - | - |
| Operating cash flow (approximation) | €4,404 | €9,384 | -€251 | -€8,829 | €1,165 | -€12,106 | -€9,023 | ▲ 25.5% |
| Investment in fixed assets (approximation) | - | €0 | €1 | €0 | €0 | €1,250 | €0 | ▼ 100% |
| Change in cash | - | €3,820 | -€3,543 | -€382 | €893 | -€522 | - | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 6,619 companies had the same profile as CSJ COMPUTERS has now. Two years later, 84.5% were still going and 4.5% had gone bankrupt.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
Another 1.0% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CSJ COMPUTERS itself: 1.8% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,619 companies, not a prediction for CSJ COMPUTERS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Latest 10 of 24 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-09-2025 | micro format | 29-04-2026 | 2026-00098243 | |
| 30-09-2024 | micro format | 30-04-2025 | 2025-00091193 | |
| 30-09-2023 | micro format | 30-04-2024 | 2024-00079058 | |
| 30-09-2022 | micro format | 31-03-2023 | 2023-00056594 | |
| 30-09-2021 | micro format | 29-04-2022 | 2022-20022267 | |
| 30-09-2020 | micro format | 23-06-2021 | 2021-24100392 | |
| 30-09-2019 | micro format | 30-04-2020 | 2020-11000297 | |
| 30-09-2018 | micro format | 29-04-2019 | 2019-11300595 | |
| 30-09-2017 | micro format | 30-04-2018 | 2018-11800538 | |
| 30-09-2016 | abbreviated format | 31-03-2017 | 2017-08400422 |
Board & ownership
Directors
Owners and capital
Owners
Network & group
CSJ COMPUTERS shares no director with another company.
Companies at the same address
1 other companyConnections & network
1 current directorThe network starts from the directors of CSJ COMPUTERS. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Codes under NACEBEL 2003
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 24106B0698/00H000 | Flanders | 1,376 m² | 1 · 153 m² | 7.9 m · 1 |