FJ

Active

Private limited companyfounded 20242 yrs activeDreefstraat 16, 3040 Huldenberg, BelgiumKBO/BCE: BE 1005.090.937

Summary

The computed 12-month bankruptcy probability of FJ is 5.1% (elevated). The 2025 annual accounts show equity of €19,534 and a net result of €19,434. Its solvency ranks better than 35% of 16155 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

FJActiveChecked score 37/100

Risk analysis Report Compare

Activity

Full-service restaurants

NACE 56111Full-service restaurants NACE 56101

1 site

Size

€156,395total assets 2025

Staff: 2.2 FTE
Equity: €19,534
Profit: €19,434

Turnover not published (abridged schema)

Financial health

37 Weak Checked score 2025

Bankruptcy chance 12 m: 5.1%

Structure

Accounts filed 28 d late

Why 37- Founded in 2024- Sector Food and beverage service activities (NACE 56)- Size: total assets €156,395- Liquidity: current ratio 0.67, cash €3,715Show the evidence

Checked score

Score 2025

37 / 100

Weak

Probability in this band: 4.2% to 15.0%

Better than 38% of its sector peers (NACE 56, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Weak

Solvency 37

equity 12.5% of total assets

Liquidity 8

short-term debt 81.7% · cash 2.4%

Profitability 84

return on assets 12.4%

Bankruptcy probability, 12 months

5.1% Elevated

0%0.5%1.5%4%10%≥ 25%

About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.8% (23,692 companies)

Last 24 months 02-2025: 3.9%lowest value 03-2025: 3.9%● 0.0% vs 02-2025lowest value 04-2025: 4.1%▲ +4.1% vs 03-2025 05-2025: 4.4%▲ +7.7% vs 04-2025 06-2025: 4.6%▲ +3.3% vs 05-2025 07-2025: 4.9%▲ +7.1% vs 06-2025 08-2025: 4.9%● 0.0% vs 07-2025 09-2025: 5.3%▲ +8.9% vs 08-2025 10-2025: 5.2%▼ -3.2% vs 09-2025 11-2025: 5.1%▼ -1.0% vs 10-2025 12-2025: 5.5%▲ +7.1% vs 11-2025 01-2026: 5.6%▲ +2.2% vs 12-2025 02-2026: 5.6%▲ +0.3% vs 01-2026 03-2026: 5.6%● 0.0% vs 02-2026 04-2026: 5.6%● 0.0% vs 03-2026 05-2026: 5.6%● 0.0% vs 04-2026 06-2026: 5.6%● 0.0% vs 05-2026 07-2026: 5.6%● 0.0% vs 06-2026 08-2026: 8.8%▲ +57.2% vs 07-2026highest value 09-2026: 5.1%▼ -42.2% vs 08-2026 10-2026: 5.1%● 0.0% vs 09-2026

Founded in 2024 raises the probability for this profile
Sector Food and beverage service activities (NACE 56) raises the probability
Size: total assets €156,395 raises the probability for this profile
Liquidity: current ratio 0.67, cash €3,715 raises the probability

Credit up to €500 at 30 days only on tighter terms

Liquidity short (current ratio 0.67; short-term debt: 81.7% and cash: 2.4% of total assets), and 87.5% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 56, micro). Better than this share of them on solvency 35%, liquidity 8%, profitability 71%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Founded in 2024

In the bankruptcy model this factor raises the probability for this profile.

KBO

Sector Food and beverage service activities (NACE 56)

In the bankruptcy model this factor raises the probability.

KBO

Size: total assets €156,395

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

Liquidity: current ratio 0.67, cash €3,715

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 1 filing

Deviation from the deadline

2025

28 d late

← before the deadline after the deadline →

Checked, nothing found (1)

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