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Age5 yrs

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of EJO is 1.3% (low). The 2024 annual accounts show equity of €76k and a net result of €68k. Equity is growing by ~37.5% per year across the filed fiscal years. Its solvency ranks better than 54% of 7320 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).

Based on the State Gazette, CBE and 4 annual accounts.

Trust signals

2 signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administrative Flags

1 event
Address struck

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.3% Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector Recent warning signals +Young company +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€68k-7.0%
Working capital€73k-58.0%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 18-07-2025 with the NBB · fiscal year 2024 · micro
€0€25k€50k€75k€100kOperating result 2021: €53k€53kNet result 2021: €42k€42kOperating result 2022: €74k€74kNet result 2022: €58k€58kOperating result 2023: €92k€92kNet result 2023: €73k€73kOperating result 2024: €85k€85kNet result 2024: €68k€68k2021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~37.5%/year over 4 fiscal years, indicative, assuming unchanged policy.
€0€100k€200k€300k€400k2025: €196k (€139k - €252k)2026: €230k (€139k - €321k)2027: €264k (€139k - €389k)2021: €47k2022: €106k2023: €178k2024: €76k2021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 67.7% 65.1%
better than 54% of 7320 sector peers
Net result €68k €32k
better than 83% of 7318 sector peers
Equity €76k €58k
better than 61% of 7322 sector peers
Gross operating margin €87k €52k
better than 76% of 7312 sector peers
Total assets €113k €103k
better than 54% of 7323 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€87k
-8.1% far above sector median
Net profit
€68k
-7.0% far above sector median
Cash flow
€69k
-8.0% far above sector median
Total assets
€113k
-51.0% +21% vs sector
Equity
€76k
-57.3% far above sector median
Working capital
€73k
-58.0% +184% vs sector
Income taxes
€18k
-8.0% far above sector median
Dividends
€170k
- 21-24
Debt
€36k
-28.9% +11% vs sector
Debt ≤ 1y
€36k
-28.9% +11% vs sector
Current ratio
3.01
-31.7% +178% vs sector
Quick ratio
3.01
-31.7% +178% vs sector
Solvency
67.7%
-12.9% +28% vs sector
Debt / equity
0.48
+66.5% -71% vs sector
ROE
88.9%
+117.8% far above sector median
ROA
60.2%
+89.7% far above sector median
Interest coverage
482.54
+32.3% far above sector median
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA€87k
Net profit€68k
Cash flow€69k
Staff costs-
Income taxes€18k
Dividends€170k
Total assets€113k
Equity€76k
Debt€36k
of which ≤ 1y€36k
of which > 1y-
Working capital€73k
Employees (FTE)-
Ratios (computed)
2024
Current ratio3.01
Quick ratio3.01
Working capital ratio64.8%
Solvency67.7%
Debt / equity0.48
Long-term debt ratio-
Interest coverage482.54
Gross margin-
Net margin-
ROA60.2%
ROE88.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€113k
Fixed assets 21/28€3k
Formation expenses 20€608
Tangible fixed assets 22/27€3k
Current assets 29/58€109k
Amounts receivable within one year 40/41€15k
Cash & bank 54/58€94k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€113k
Equity 10/15€76k
Contributions / capital 10/11€5k
Accumulated profits (losses) 14€71k
Amounts payable 17/49€36k
Amounts payable within one year 42/48€36k
Trade debts payable within one year 44€349
Income statement
Gross operating margin 9900€87k
Operating result 9901€85k
Financial charges 65€180
Result before taxes 9903€85k
Income taxes 67/77€18k
Net result for the period 9904€68k
Result to be appropriated 9905€68k
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
90 / 100 Excellent
050100

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

See plans →
Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Structure & network

Locations & real estate

Establishment units

1 location
EJO
Heidestraat 4 A, 1760 RoosdaalOverige diensten op het gebied van informatietechnologie en computer
since 20202.337.211.733
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area145 m²
Buildings1
Building footprint86 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23722B0075/00C006 Flanders 145 m² 1 · 86 m² -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

1 event from the State Gazette
07-03-2025
KBO administration Address struck
Date: 15-09-2024 · Heidestraat 4 A 1760 Die Sitzadresse Heidestraat 4 A 1760 Roos- Roosdaal · Publications in State Gazette ↗

Time machine: BS events + macro context

2021-2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262025-03-07 · KBO administration · Address struck
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event

Belgisch Staatsblad · acts

1 acts
Address history · 1
20-08-2024
Registered-office move
All acts · 1 updated 1 year ago
2024
20-08-2024 Registered office moved from Zwevegem to Roosdaal Registered-office change
  • Remi Deprezstraat 26 te 8551 Zwevegem → Heidestraat 4A te 1760 Roosdaal

Analysis

Snowflake analysis

financial profile on 5 axes
Health90Profitability100Solvency100Growth78Stability86
91 / 100

Exceptional profile, strong across almost every axis.

Health 90
Profitability 100
Solvency 100
Growth 78
Stability 86

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Credit advice

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Computerconsultancy-activiteiten62020Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Draadgebonden en draadloze telecommunicatie en telecommunicatie via satelliet61100Draadloze telecommunicatie61200
Primary activity highlighted.
Names & trade names
Legal nameNL EJO
Registration history
  1. 15-09-2024 Address struck
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.