KAJ
ActiveKAJ has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €54k and a net result of €13k. Equity is growing by ~25.1% per year across the filed fiscal years. Its solvency ranks better than 86% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability92▲+46
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 4.1 against 7.49 in 2023; short-term debt: 21.9% and cash: 27.4% of total assets), and 21.9% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 09-07-2025, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
22 d early
2023
22 d early
2022
26 d early
2021
24 d early
2020
30 d early
2019
38 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€54k▲ 30.6%
2023 · €42k
2018: €3k
2019: €12k
2020: €23k
2021: €34k
2022: €40k
2023: €42k
2018 → 2024
Total assets
€70k▲ 49.8%
2023 · €47k
2018: €50k
2019: €31k
2020: €33k
2021: €41k
2022: €49k
2023: €47k
2018 → 2024
Net result
€13k▲ 556%
2023 · €2k
2018: €-9k
2019: €9k
2020: €12k
2021: €11k
2022: €6k
2023: €2k
2018 → 2024
Working capital
€47k▲ 50.1%
2023 · €32k
2018: €-7k
2019: €3k
2020: €16k
2021: €18k
2022: €26k
2023: €32k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€23k-€34k▲ 45.7%€40k▲ 16.7%€42k▲ 4.9%€54k▲ 30.6%
Operating result€12k-€11k▼ 9.7%€7k▼ 38.1%€5k▼ 20.9%€17k▲ 224%
Net result€12k-€11k▼ 8.9%€6k▼ 46.8%€2k▼ 65.8%€13k▲ 556%
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 224% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €70k
Fixed assets
€7k▼ 30.1%
Current assets
€63k▲ 72.1%
Equity and liabilities €70k
Equity
€54k▲ 30.6%
Debt
€15k▲ 214%
The debt ratio rises from 10.4% to 21.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€20k▲
2023 · €8k
Cash flow
€16k▲
2023 · €5k
Solvency
78.1%▼
2023 · 89.6%
Current ratio
4.10▼
2023 · 7.49
Quick ratio
2.47▲
2023 · 1.83
Debt / equity
0.28▲
2023 · 0.12
ROE
23.4%▲
2023 · 4.7%
ROA
18.3%▲
2023 · 4.2%
Interest coverage
6.59▲
2023 · 2.69
Debt
€15k▲
2023 · €5k
Debt ≤ 1 year
€15k▲
2023 · €5k
Income taxes
€2k▲
2023 · €288
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€47k€70k▲
Fixed assets21/28€10k€7k▼
Tangible fixed assets22/27€5k€2k▼
Furniture and vehicles24€5k€2k▼
Financial fixed assets28€5k€5k=
Current assets29/58€36k€63k▲
Stocks and contracts in progress3€28k€25k▼
Stocks30/36€28k€25k▼
Amounts receivable within one year40/41-€18k
Trade receivables40-€18k
Cash at bank and in hand54/58€9k€19k▲
Deferred charges and accrued income490/1€307€317▲
Equity and liabilities
Total equity and liabilities10/49€47k€70k▲
Equity10/15€42k€54k▲
Contributions10/11€19k€19k=
Reserves13€23k€36k▲
Non-distributable reserves130/1€86€86=
Reserves not available under the articles1311€86€86=
Distributable reserves133€23k€36k▲
Amounts payable17/49€5k€15k▲
Amounts payable within one year42/48€5k€15k▲
Trade debts44€286€11k▲
Suppliers440/4€286€11k▲
Taxes, remuneration and social security45€4k€4k▼
Taxes450/3€4k€4k▼
Other amounts payable47/48€955€775▼
Income statement
Code20232024
Non-recurring operating income76A-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€2k€7k▲
Gross operating margin9900€10k€27k▲
Operating profit (loss)9901€5k€17k▲
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€2k€14k▲
Income taxes67/77€288€2k▲
Profit (loss) for the period9904€2k€13k▲
Profit (loss) for the period to be appropriated9905€2k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€13k▲
Transfer to equity691/2€2k€13k▲
To other reserves6921€2k€13k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €13k ▲556%
Operating result €17k, net result €13k, both a record.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 2.69
Current ratio from 1.18 to 2.69; short-term debt falls from €20k to €9k.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
23-06
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.
Directors · office · real estate
Directors
9 acts for this company are 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, Dendermonde · 1 establishment unit since 2013
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.
Oude Vest (DEN) 69200 DendermondeGround area
78 m²
Building footprint
78 m²
Volume, LiDAR
765 m³
Parcel 42006D0582/02L000, Flanders · tallest building 15.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
KAJ
since 20132.221.695.126
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42006D0582/02L000 | Flanders | 78 m² | 1 · 78 m² | 15.4 m · 4 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
2024 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteDendermonde2.221.695.126
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Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 4,656 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-08-2013
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.