Active BE 0860.740.287Public limited company

F.J.J. COMPANY

Maastrichterstraat 84 ·3700 Tongeren-Borgloon, Belgium· 22 yrs active

Sector: Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires (algemeen assortiment) (47716)

Conclusion Checked

The computed 12-month bankruptcy probability of F.J.J. COMPANY is 0.8% (low). The 2024 annual accounts show negative equity (€-379k) and a net result of €2k. Equity is shrinking by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 5% of 6722 sector peers (fiscal year 2024). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Key figures

Equity	€-379k
Net result	€2k
Better than sector	5%
Active	22 yrs

Financial profile 5 of 5 axes measured · computed by Checked

40 / 100

Fragile profile, watch profitability in particular.

All 5 axes are computed from data Checked has read.

Health 8

Profitability 0

Solvency 33

Growth 58

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.8% Low

0%0,5%1,5%4%10%≥25%

Annual accounts: weaker financial profile +Higher-failure-rate sector +Long track record −

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

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 2003, 22 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2024 · computed

8 / 100 Critical

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview10 NBB filings

Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Equity: declining trend of ~4.2%/year over 7 fiscal years, indicative, assuming unchanged policy.

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 47, Retail trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	-264.1%	20.4%	better than 5% of 6722 sector peers
Net result	€2k	€4k	better than 44% of 6703 sector peers
Equity	€-379k	€16k	better than 5% of 6737 sector peers
Gross operating margin	€6k	€24k	better than 31% of 6682 sector peers
Total assets	€144k	€94k	better than 62% of 6726 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Revenue

€1

- 18-24

EBITDA

€-1k

- 18-24

Net profit

€2k

- 18-24

Cash flow

€-3k

-4.2% 18-24

Total assets

€144k

-1.3% 18-24

Equity

€-379k

+0.4% 18-24

Working capital

€-509k

+0.3% 18-24

Debt

€523k

-0.7% 18-24

Show 11 other metrics

Debt ≤ 1y

€523k

-0.7% 18-24

Debt > 1y

€0

-100.0% 18-24

Current ratio

0.03

-11.6% 18-24

Quick ratio

0.03

-11.6% 18-24

Solvency

-264.1%

-0.9% 18-24

Debt / equity

-1.38

+0.2% 18-24

ROE

-0.4%

- 18-24

ROA

1.2%

- 18-24

Net margin

-45629984.3%

- 18-24

EBITDA margin

-670100.0%

- 18-24

Interest coverage

-0.82

- 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	-
Net profit	€2k
Cash flow	-
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€144k
Equity	€-379k
Debt	€523k
of which ≤ 1y	€523k
of which > 1y	-
Working capital	€-509k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	0.03
Quick ratio	0.03
Working capital ratio	-354.5%
Solvency	-264.1%
Debt / equity	-1.38
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	1.2%
ROE	-0.4%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	13248d
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €130k · 90.4% Current assets €14k · 9.6%

Full annual accounts (20 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€144k
Fixed assets	21/28	€130k
Tangible fixed assets	22/27	€130k
Current assets	29/58	€14k
Amounts receivable within one year	40/41	€11k
Cash & bank	54/58	€2k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€144k
Equity	10/15	€-379k
Contributions / capital	10/11	€75k
Reserves	13	€8k
Accumulated profits (losses)	14	€-462k
Amounts payable	17/49	€523k
Amounts payable within one year	42/48	€523k
Trade debts payable within one year	44	€94k
Income statement
Gross operating margin	9900	€6k
Operating result	9901	€2k
Financial charges	65	€282
Result before taxes	9903	€2k
Net result for the period	9904	€2k
Result to be appropriated	9905	€2k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 1 directors

Current directors & mandates

MAT Fabienne Julie Janine
Sole director
State Gazette act 23484437 (28-12-2023)

Current
28-12-2023 → present

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires (algemeen assortiment)(47716)
Legal form	Public limited company(014)
Incorporation	26-09-2003
Status	Active
Postal code	3700

Establishment units 1 location

esprit

Maastrichterstraat 103, 3700 Tongeren-BorgloonDetailhandel in bovenkleding voor heren, dames en kinderen (algemeen assortiment)

since 20032.133.690.192

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

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 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
73083C0098/00H000	Flanders	250 m²	1 · 250 m²	12.4 m · 3 fl.
73083C0051/00X000	Flanders	163 m²	1 · 202 m²	16.2 m · 2 fl.

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

30-09-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

30-09-2025

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

28-12-2023

State Gazette act Director changes

Georges HOUGAERTS

09-10-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

2022

31-10-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

2021

30-12-2021

NBB filing Annual accounts filed

fiscal year 2020 · micro

2020

30-09-2020

NBB filing Annual accounts filed

fiscal year 2019 · micro

2019

11-10-2019

NBB filing Annual accounts filed

fiscal year 2018 · micro

2018

30-08-2018

NBB filing Annual accounts filed

fiscal year 2017 · micro

2017

03-08-2017

NBB filing Annual accounts filed

fiscal year 2016 · micro

2016

26-08-2016

NBB filing Annual accounts filed

fiscal year 2015 · verkort

Belgian State Gazette reading coverage 0 of 5 acts read

We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2023

28-12-2023 2 directors appointed Director changes·Georges HOUGAERTS

MAT Fabienne Julie Janine, Enig bestuurder
MAT Fabienne Julie Janine, Gedelegeerd bestuurder

Notary: Georges HOUGAERTS · Tongeren

Original publication ↗

Technical details

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  "notary": {
    "name": "Georges HOUGAERTS",
    "firm_city": null,
    "firm_name": null,
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    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2023-12-28",
    "filing_date": "2023-12-23",
    "act_kind_objet": "Onderwerp akte:"
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  "decisions": [
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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires (algemeen assortiment)47716Detailhandel in bovenkleding voor heren, dames en kinderen (algemeen assortiment)52421

Primary activity highlighted.

Names & trade names

Legal nameNL

F.J.J. COMPANY

Registered office

Maastrichterstraat 84

3700 Tongeren-Borgloon, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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