KEJO
ActiveKEJO has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €1k. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 21% of 11209 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▲+3
Solvency28▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.73 against 0.61 in 2024; short-term debt: 66.4% and cash: 0.3% of total assets), and 96.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 11209 sector peers (2025).
NBB · sector comparisonPosition among 11209 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
29 d late
2023
31 d late
2022
30 d late
2021
30 d late
2020
30 d late
2019
152 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close17-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k▲ 4.9%
2024 · €21k
2019: €24k
2020: €26k
2021: €31k
2022: €37k
2023: €49k
2024: €21k
2019 → 2025
Total assets
€649k▲ 35.8%
2024 · €478k
2019: €315k
2020: €288k
2021: €327k
2022: €409k
2023: €376k
2024: €478k
2019 → 2025
Net result
€1k
2024 · €-27k
2019: €11k
2020: €2k
2021: €5k
2022: €6k
2023: €12k
2024: €-27k
2019 → 2025
Working capital
€-116k▲ 26.8%
2024 · €-159k
2019: €15k
2020: €-29k
2021: €-15k
2022: €-114k
2023: €-94k
2024: €-159k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€37k▲ 19.9%€49k▲ 32.8%€21k▼ 57.3%€22k▲ 4.9%
Operating result€8k-€15k▲ 91.0%€25k▲ 67.7%€-22k€19k
Net result€5k-€6k▲ 32.2%€12k▲ 97.4%€-27k€1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €19k after a loss of €22k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €649k
Fixed assets
€334k▲ 46.7%
Current assets
€314k▲ 25.9%
Equity and liabilities €649k
Equity
€22k▲ 4.9%
Debt
€627k▲ 37.3%
The debt ratio rises from 95.6% to 96.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€98k▲
2024 · €41k
Cash flow
€80k▲
2024 · €36k
Solvency
3.4%▼
2024 · 4.4%
Current ratio
0.73▲
2024 · 0.61
Quick ratio
0.61▲
2024 · 0.46
Debt / equity
28.47▲
2024 · 21.76
ROE
4.7%▲
2024 · -128.3%
ROA
0.2%▲
2024 · -5.6%
Interest coverage
5.53▼
2024 · 8.69
Debt
€627k▲
2024 · €457k
Debt ≤ 1 year
€430k▲
2024 · €408k
Debt > 1 year
€194k▲
2024 · €44k
Income taxes
€0▼
2024 · €616
Staff costs
€19k
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€478k€649k▲
Fixed assets21/28€228k€334k▲
Tangible fixed assets22/27€228k€334k▲
Plant, machinery and equipment23€129k€221k▲
Furniture and vehicles24€99k€114k▲
Current assets29/58€250k€314k▲
Stocks and contracts in progress3€62k€52k▼
Stocks30/36€62k€52k▼
Amounts receivable within one year40/41€188k€260k▲
Trade receivables40€186k€260k▲
Other amounts receivable41€1k€0▼
Cash at bank and in hand54/58-€2k
Equity and liabilities
Total equity and liabilities10/49€478k€649k▲
Equity10/15€21k€22k▲
Contributions10/11€6k€6k=
Reserves13€43k€43k=
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€41k€43k▲
Profit (loss) carried forward14€-28k€-27k▲
Amounts payable17/49€457k€627k▲
Amounts payable after more than one year17€44k€194k▲
Financial debts170/4€44k€194k▲
Amounts payable within one year42/48€408k€430k▲
Current portion of amounts payable after more than one year42€97k€70k▼
Financial debts43€74k€72k▼
Credit institutions430/8€24k€72k▲
Other loans439€49k-
Trade debts44€112k€265k▲
Suppliers440/4€112k€265k▲
Taxes, remuneration and social security45€6k€24k▲
Taxes450/3€6k€23k▲
Remuneration and social security454/9-€1k
Other amounts payable47/48€119k€0▼
Accrued charges and deferred income492/3€4k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€19k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€63k€79k▲
Other operating charges640/8€4k€15k▲
Non-recurring operating charges66A-€264
Gross operating margin9900€45k€132k▲
Operating profit (loss)9901€-22k€19k▲
Financial income75/76B€29€1▼
Recurring financial income75€29€1▼
Financial charges65/66B€5k€18k▲
Recurring financial charges65€5k€18k▲
Profit (loss) for the period before taxes9903€-26k€1k▲
Income taxes67/77€616€0▼
Profit (loss) for the period9904€-27k€1k▲
Profit (loss) for the period to be appropriated9905€-27k€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-28k€-27k▲
Profit (loss) brought forward from the previous period14P€-1k€-28k▼
The notes to these accounts (9 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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
2024
29-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
31-03
Financial
Weakest financial yearnet €-27k ▼321%
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
2023
01-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
31-03
Financial
Highest result since 2019net €12k ▲97.4%
Operating result €25k, net result €12k, both a record.
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 152 days late
2018
29-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2017
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2016
21-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 51 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Peer · 1 establishment unit since 2000
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.
Grote Hoefstraat 43990 PeerGround area
1,365 m²
Building footprint
459 m²
Volume, LiDAR
512 m³
2 parcels, Flanders · tallest building 10.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Grote Hoefstraat 5, 3990 Peer
since 20002.097.519.684
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72030E0794/00S000 | Flanders | 884 m² | 1 · 302 m² | - |
| 72030E0787/00A002 | Flanders | 480 m² | 1 · 156 m² | 10.7 m · 1 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 310 EUR awarded · 310 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 155 EUR | 155 EUR |
| 2024 | 1 | 155 EUR | 155 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 sitePeer2.097.519.684
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The Blue Spirit
BE 0474.615.258
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BE 1014.678.792
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RAN ENTREPRISE
BE 1006.949.575
Péruwelz · Eq €24k
Of 409 companies in sector 46110 we hold annual accounts for 173. 95 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-05-2000
Fiscal year end31-03
Activities, NACEBEL
46110Wholesale trade
51110
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.