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E.J.

Active
Private limited company (pre-2019)founded 198342 yrs activeReservorenstraat 28, 3581 Beringen, BelgiumKBO/BCE: BE 0424.685.992
Summary

E.J. has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €68,429 and a net result of €8,800. Equity is growing by ~18.2% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.7% (low).

Checked score

Score 2024
Axes · tick = 2023
Profitability84▼-10
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 11.03; short-term debt: 4.8% and cash: 37.7% of total assets), and 4.8% of the assets are financed with debt.
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Signals

Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 42 years 0 50 y
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 14-07-2025, 17 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
17 d early
2023
7 d early
2022
32 d early
2021
4 d early
2020
11 d late
2019
5 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 6 accounts on average 7 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (1)
neutral · 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

History

E.J. was incorporated on 12 October 1983.1 Total assets rose from EUR 41,826 in 2018 to EUR 71,897 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2024

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Financials · fiscal year 2024, micro schema

Equity
€68,429▲ 14.8%
2023 · €59,629
Total assets
€71,897▲ 20.6%
2023 · €59,629
Net result
€8,800▼ 27.5%
2023 · €12,140
Working capital
€34,800▲ 30.7%
2021 · €26,617
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
Line20202021202220232024
Operating result€4,103▼ 47.4%€3,522▼ 14.2%€9,092▲ 158%€12,250▲ 34.7%€9,821▼ 19.8%
Net result€3,619▼ 46.1%€3,394▼ 6.2%€8,996▲ 165%€12,140▲ 34.9%€8,800▼ 27.5%
Equity€35,099▲ 11.5%€38,493▲ 9.7%€47,489▲ 23.4%€59,629▲ 25.6%€68,429▲ 14.8%
Total assets€35,456▼ 8.4%€39,124▲ 10.3%€47,489▲ 21.4%€59,629▲ 25.6%€71,897▲ 20.6%
Debt€357▼ 95.1%€631▲ 76.6%€3,468
Working capital€25,261▲ 20.2%€26,617▲ 5.4%€34,800
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€5,000€10,000Operating result 2020: €4,103€4,103Net result 2020: €3,619€3,619Operating result 2021: €3,522€3,522Net result 2021: €3,394€3,394Operating result 2022: €9,092€9,092Net result 2022: €8,996€8,996Operating result 2023: €12,250€12,250Net result 2023: €12,140€12,140Operating result 2024: €9,821€9,821Net result 2024: €8,800€8,80020202021202220232024€0€5,000€10,000Operating result 2022: €9,092€9,090Net result 2022: €8,996€9,000Operating result 2023: €12,250€12,200Net result 2023: €12,140€12,100Operating result 2024: €9,821€9,820Net result 2024: €8,800€8,800202220232024
The operating result falls in 2024; 2024 is 20% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €71,897
Fixed assets €33,629 ▲ 21.0%
Current assets €38,269 ▲ 20.2%
Equity and liabilities €71,897
Equity €68,429
Debt €3,468
Debt finances 4.8% of the balance-sheet total.
Key figures and ratios
2024 value · change against 2023
EBITDA
€11,329▼
2023 · €12,978
Cash flow
€10,308▼
2023 · €12,868
Current ratio
11.03
Debt to equity
0.05
ROE
12.9%▼
2023 · 20.4%
ROA
12.2%▼
2023 · 20.4%
Interest coverage
94.73▼
2023 · 115.78
Debt ≤ 1 year
€3,468
Income taxes
€901
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.4% went bankrupt
5.9% stopped otherwise
93% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 0.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 31,349 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 38 lines
Balance sheet Code20232024
Assets
Total assets20/58€59,629€71,897▲
Fixed assets21/28€27,786€33,629▲
Tangible fixed assets22/27€27,786€33,629▲
Land and buildings22€10,956€10,510▼
Plant, machinery and equipment23€16,373€22,752▲
Furniture and vehicles24€457€366▼
Current assets29/58€31,843€38,269▲
Amounts receivable within one year40/41€11,928€11,195▼
Trade receivables40€11,195€11,195=
Other amounts receivable41€733-
Cash at bank and in hand54/58€19,915€27,074▲
Equity and liabilities
Total equity and liabilities10/49€59,629€71,897▲
Equity10/15€59,629€68,429▲
Contributions10/11€8,676€8,676=
Reserves13€56,385€56,385=
Non-distributable reserves130/1€1,860€1,860=
Reserves not available under the articles1311€1,860€1,860=
Distributable reserves133€54,525€54,525=
Profit (loss) carried forward14-€5,433€3,367▲
Amounts payable17/49-€3,468
Amounts payable within one year42/48-€3,468
Taxes, remuneration and social security45-€901
Taxes450/3-€901
Other amounts payable47/48-€2,567
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€728€1,508▲
Other operating charges640/8€962€962=
Gross operating margin9900€13,940€12,291▼
Operating profit (loss)9901€12,250€9,821▼
Financial income75/76B€2-
Recurring financial income75€2-
Financial charges65/66B€112€120▲
Recurring financial charges65€112€120▲
Profit (loss) for the period before taxes9903€12,140€9,701▼
Income taxes67/77-€901
Profit (loss) for the period9904€12,140€8,800▼
Profit (loss) for the period to be appropriated9905€12,140€8,800▼
Appropriation of the result
Profit (loss) to be appropriated9906-€5,433€3,367▲
Profit (loss) brought forward from the previous period14P-€17,573-€5,433▲

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

Line20202021202220232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,280€609€582€728€1,508▲ 107%
Other operating charges640/8-€186€900€962€962=
Gross operating margin9900€5,383€4,317€10,574€13,940€12,291▼ 11.8%
Operating profit (loss)9901€4,103€3,522€9,092€12,250€9,821▼ 19.8%
Financial income75/76B--€1€2--
Recurring financial income75--€1€2--
Financial charges65/66B-€108€97€112€120▲ 6.7%
Recurring financial charges65€294€108€97€112€120▲ 6.7%
Profit (loss) for the period before taxes9903€3,808€3,413€8,996€12,140€9,701▼ 20.1%
Income taxes67/77€189€19--€901-
Profit (loss) for the period9904€3,619€3,394€8,996€12,140€8,800▼ 27.5%
Profit (loss) for the period to be appropriated9905€3,619€3,394€8,996€12,140€8,800▼ 27.5%
Line20202021202220232024Change
Assets
Total assets20/58€35,456€39,124€47,489€59,629€71,897▲ 20.6%
Fixed assets21/28€9,838€11,876€21,589€27,786€33,629▲ 21.0%
Tangible fixed assets22/27€9,838€11,876€21,589€27,786€33,629▲ 21.0%
Land and buildings22-€4,374€4,275€10,956€10,510▼ 4.1%
Plant, machinery and equipment23-€6,861€16,765€16,373€22,752▲ 39.0%
Furniture and vehicles24-€640€549€457€366▼ 20.0%
Current assets29/58€25,618€27,248€25,900€31,843€38,269▲ 20.2%
Amounts receivable within one year40/41€25,618€20,329€15,155€11,928€11,195▼ 6.1%
Trade receivables40-€11,195€11,195€11,195€11,195=
Other amounts receivable41-€9,134€3,961€733--
Cash at bank and in hand54/58-€6,919€10,745€19,915€27,074▲ 35.9%
Equity and liabilities
Total equity and liabilities10/49€35,456€39,124€47,489€59,629€71,897▲ 20.6%
Equity10/15€35,099€38,493€47,489€59,629€68,429▲ 14.8%
Contributions10/11-€8,676€8,676€8,676€8,676=
Reserves13€56,385€56,385€56,385€56,385€56,385=
Non-distributable reserves130/1-€1,860€1,860€1,860€1,860=
Reserves not available under the articles1311-€1,860€1,860€1,860€1,860=
Distributable reserves133-€54,525€54,525€54,525€54,525=
Profit (loss) carried forward14-€29,963-€26,569-€17,573-€5,433€3,367▲ 162%
Amounts payable17/49€357€631--€3,468-
Amounts payable within one year42/48€357€631--€3,468-
Trade debts44-€631----
Suppliers440/4-€631----
Taxes, remuneration and social security45----€901-
Taxes450/3----€901-
Other amounts payable47/48----€2,567-
Line20202021202220232024Change
Profit (loss) for the period9904€3,619€3,394€8,996€12,140€8,800▼ 27.5%
+ Depreciation and write-downs630€1,280€609€582€728€1,508▲ 107%
Operating cash flow (approximation)€4,899€4,003€9,578€12,868€10,308▼ 19.9%
Investment in fixed assets (approximation)--€2,647-€10,296-€6,925-€7,351▼ 6.2%
Change in cash--€3,826€9,170€7,159▼ 21.9%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
14-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial Highest result since 2018net €12,140 ▲34.9%
Operating result €12,250, net result €12,140, both a record.
29-06
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
11-08
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
31-12
Financial Liquidity times 18current ratio 71.74
Current ratio from 3.91 to 71.74; short-term debt falls from €7,223 to €357.
05-08
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
2019
31-12
Financial Back to profitnet €6,713
Net result €6,713 after one loss-making year.
06-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
10-09
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 41 days late
2017
12-12
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 134 days late
2016
01-07
NBB filing Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Beringen · 1 establishment unit since 1983
seat establishment The establishment unit on the map
Ground area
2,819 m²
Building footprint
976 m²
Volume, LiDAR
3,808 m³
Parcel 71005B1778/00C002, Flanders · tallest building 7.3 m, ±1 floor. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
Reservorenstraat 28, 3581 Beringen
NACE 2863001
since 19832.023.110.687
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71005B1778/00C002 Flanders 2,819 m² 1 · 976 m² 7.3 m · 1 fl.
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.

Identification & contact

Identification
Legal formPrivate limited company (pre-2019)
Founded12-10-1983
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID 0208:0424685992
Also 9925:BE0424685992
Registered 12-01-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.