Kajudo
ActiveKajudo has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10k and a net result of €-9k. Equity is shrinking by ~15.9% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 26% of 16426 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency55▼-33
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.84 against 0.85 in 2024; short-term debt: 70.2% and cash: 47.8% of total assets), and 70.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
29.8%
Return on assets
-28.2%
Age of the figures
9 mo
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-9k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-09-2026, 40 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 · 10 filingsDeviation from the deadline
2025
40 d late
2024
29 d late
2023
26 d late
2022
36 d late
2021
30 d late
2020
30 d late
2019
90 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€10k▼ 48.6%
2024 · €19k
2018: €42k
2019: €43k
2020: €70k
2021: €62k
2022: €45k
2023: €40k
2024: €19k
2018 → 2025
Total assets
€34k▲ 8.2%
2024 · €31k
2018: €64k
2019: €50k
2020: €83k
2021: €77k
2022: €55k
2023: €56k
2024: €31k
2018 → 2025
Net result
€-9k▲ 53.7%
2024 · €-20k
2018: €946
2019: €2k
2020: €27k
2021: €-8k
2022: €-18k
2023: €-5k
2024: €-20k
2018 → 2025
Working capital
€-4k▼ 117%
2024 · €-2k
2018: €26k
2019: €23k
2020: €54k
2021: €50k
2022: €26k
2023: €18k
2024: €-2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€62k-€45k▼ 28.5%€40k▼ 10.2%€19k▼ 51.2%€10k▼ 48.6%
Operating result€-17k-€-18k▼ 5.5%€-4k▲ 76.3%€-20k▼ 381%€-9k▲ 55.1%
Net result€-8k-€-18k▼ 123%€-5k▲ 74.3%€-20k▼ 350%€-9k▲ 53.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9k in 2025 against €20k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €34k
Fixed assets
€14k▼ 34.9%
Current assets
€20k▲ 101%
Equity and liabilities €34k
Equity
€10k▼ 48.6%
Debt
€24k▲ 104%
The debt ratio rises from 37.3% to 70.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-3k▲
2024 · €-14k
Cash flow
€-3k▲
2024 · €-14k
Solvency
29.8%▼
2024 · 62.7%
Current ratio
0.84▼
2024 · 0.85
Quick ratio
0.84▲
2024 · 0.79
Debt / equity
2.36▲
2024 · 0.60
ROE
-94.7%▲
2024 · -105.1%
ROA
-28.2%▲
2024 · -65.9%
Interest coverage
-12.07▲
2024 · -36.16
Debt
€24k▲
2024 · €12k
Debt ≤ 1 year
€24k▲
2024 · €12k
Income taxes
€132▼
2024 · €140
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€31k€34k▲
Fixed assets21/28€21k€14k▼
Intangible fixed assets21€18k€12k▼
Tangible fixed assets22/27€470€2k▲
Plant, machinery and equipment23€442€2k▲
Furniture and vehicles24€28€0▼
Financial fixed assets28€3k€0▼
Current assets29/58€10k€20k▲
Stocks and contracts in progress3€665€23▼
Stocks30/36€665€23▼
Amounts receivable within one year40/41€2k€3k▲
Trade receivables40€573€3k▲
Other amounts receivable41€1k-
Cash at bank and in hand54/58€7k€16k▲
Deferred charges and accrued income490/1€189€800▲
Equity and liabilities
Total equity and liabilities10/49€31k€34k▲
Equity10/15€19k€10k▼
Contributions10/11€10k€10k=
Reserves13€9k-
Distributable reserves133€9k-
Profit (loss) carried forward14€482€8▼
Amounts payable17/49€12k€24k▲
Amounts payable within one year42/48€12k€24k▲
Trade debts44€367€1k▲
Suppliers440/4€367€1k▲
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€3k€3k▼
Remuneration and social security454/9€1k-
Other amounts payable47/48€7k€20k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼
Other operating charges640/8€615€696▲
Gross operating margin9900€-13k€-2k▲
Operating profit (loss)9901€-20k€-9k▲
Financial income75/76B€398€50▼
Recurring financial income75€398€50▼
Financial charges65/66B€390€253▼
Recurring financial charges65€390€253▼
Profit (loss) for the period before taxes9903€-20k€-9k▲
Income taxes67/77€140€132▼
Profit (loss) for the period9904€-20k€-9k▲
Profit (loss) for the period to be appropriated9905€-20k€-9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-20k€-9k▲
Profit (loss) brought forward from the previous period14P€454€482▲
Transfer from equity791/2€21k€9k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 40 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
05-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 36 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €27k ▲1565%
Operating result €34k, net result €27k, both a record.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2010
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.
Cours Marie d'Oignies 501348 Ottignies-Louvain-la-NeuveGround area
603 m²
Building footprint
157 m²
Volume, LiDAR
1,061 m³
2 parcels, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KAJUDO - KAJU - MASSOTHERAPIE
since 20102.184.190.669
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25021D0175/00T000 | Wallonia | 408 m² | 1 · 96 m² | 8.1 m · 2 fl. |
| 25385B0003/02B000 | Wallonia | 194 m² | 1 · 61 m² | 7.7 m · 2 fl. |
Linked by address, not proof of ownership
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.
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Of 284 companies in sector 86997 we hold annual accounts for 5. 4 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-01-2010
Fiscal year end31-12
Activities, NACEBEL
86997Human health activities
96040Personal service activities
96230Day spas, saunas and steam baths
46190Agents in non-specialised wholesale trade
47750Retail sale of cosmetics and toilet articles
82300Organisation of conventions and trade shows
82990Other business support services
86909Human health activities
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0495688746