Eljuma
ActiveEljuma has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €68k and a net result of €66k. Equity is growing by ~38.3% per year across the filed fiscal years. Its solvency ranks better than 61% of 20785 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+1
Solvency97▲+6
Growth78=
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.15 against 2.69 in 2023; short-term debt: 28.2% and cash: 30.7% of total assets), and 28.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
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 30-04-2025, 92 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
92 d early
2023
15 d early
2022
31 d early
2021
62 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€68k▼ 30.1%
2023 · €97k
2021: €24k
2022: €62k
2023: €97k
2021 → 2024
Total assets
€95k▼ 35.8%
2023 · €148k
2021: €98k
2022: €121k
2023: €148k
2021 → 2024
Net result
€66k▲ 87.8%
2023 · €35k
2021: €22k
2022: €38k
2023: €35k
2021 → 2024
Working capital
€58k▼ 32.2%
2023 · €85k
2021: €11k
2022: €48k
2023: €85k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€24k-€62k▲ 158%€97k▲ 56.6%€68k▼ 30.1%
Operating result€28k-€48k▲ 73.1%€45k▼ 6.9%€83k▲ 86.2%
Net result€22k-€38k▲ 72.1%€35k▼ 7.5%€66k▲ 87.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 86% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €95k
Fixed assets
€10k▼ 15.9%
Current assets
€84k▼ 37.6%
Equity and liabilities €95k
Equity
€68k▼ 30.1%
Debt
€27k▼ 46.9%
The debt ratio falls from 34.1% to 28.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€87k▲
2023 · €49k
Cash flow
€70k▲
2023 · €40k
Solvency
71.8%▲
2023 · 65.9%
Current ratio
3.15▲
2023 · 2.69
Quick ratio
3.15▲
2023 · 2.69
Debt / equity
0.39▼
2023 · 0.52
ROE
97.1%▲
2023 · 36.1%
ROA
69.7%▲
2023 · 23.8%
Interest coverage
444.90▲
2023 · 245.02
Debt
€27k▼
2023 · €50k
Debt ≤ 1 year
€27k▼
2023 · €50k
Income taxes
€17k▲
2023 · €9k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€148k€95k▼
Fixed assets21/28€12k€10k▼
Tangible fixed assets22/27€12k€10k▼
Furniture and vehicles24€4k€3k▼
Other tangible fixed assets26€8k€7k▼
Current assets29/58€135k€84k▼
Amounts receivable within one year40/41€16k€17k▲
Trade receivables40€16k€17k▲
Other amounts receivable41€7€0▼
Cash at bank and in hand54/58€76k€29k▼
Deferred charges and accrued income490/1€43k€38k▼
Equity and liabilities
Total equity and liabilities10/49€148k€95k▼
Equity10/15€97k€68k▼
Contributions10/11€2k€2k=
Reserves13€95k€66k▼
Distributable reserves133€95k€66k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€50k€27k▼
Amounts payable within one year42/48€50k€27k▼
Trade debts44€2k€89▼
Suppliers440/4€2k€89▼
Taxes, remuneration and social security45€20k€14k▼
Taxes450/3€20k€14k▼
Other amounts payable47/48€28k€13k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼
Other operating charges640/8€799€1k▲
Gross operating margin9900€50k€88k▲
Operating profit (loss)9901€45k€83k▲
Financial income75/76B€2€0▼
Recurring financial income75€2€0▼
Financial charges65/66B€200€196▼
Recurring financial charges65€200€196▼
Profit (loss) for the period before taxes9903€44k€83k▲
Income taxes67/77€9k€17k▲
Profit (loss) for the period9904€35k€66k▲
Profit (loss) for the period to be appropriated9905€35k€66k▲
Appropriation of the result
Profit (loss) to be appropriated9906€35k€66k▲
Transfer from equity791/2-€95k
Transfer to equity691/2€35k€66k▲
To other reserves6921€35k€66k▲
Profit to be distributed694/7-€95k
Return on contributions (dividend)694-€95k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €66k ▲87.8%
Operating result €83k, net result €66k, both a record.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Nazareth-De Pinte · 1 establishment unit since 2021
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.
Ten Edestraat 38B9810 Nazareth-De PinteGround area
1,231 m²
Building footprint
286 m²
Volume, LiDAR
1,618 m³
Parcel 44048F0604/00A000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Eljuma
since 20212.312.940.353
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44048F0604/00A000 | Flanders | 1,231 m² | 1 · 286 m² | 8.6 m · 2 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 3,386 EUR awarded · 3,386 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 3,386 EUR | 3,386 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 15,545 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-01-2021
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.