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MA-JA

Active
Private limited company·Activiteiten van holdings· 10 yrs active
Rozenlaan 3 ·2242 Zandhoven, Belgium
KBO/BCE: BE 0657.887.652
Watch Print / PDF
Age10 yrs
Real estate1 parcel · 1,297 m²

Summary

Conclusion

the dossier summarised in one paragraph

MA-JA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €19k and a net result of €56k. The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-04-2026, 99 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 23-04-2026 99 d early 2026-00085750
31-12-2024 31-07-2025 14-07-2025 17 d early 2025-00264820
31-12-2023 31-07-2024 02-07-2024 29 d early 2024-00194935
31-12-2022 31-07-2023 30-06-2023 31 d early 2023-00196553
31-12-2021 31-07-2022 07-07-2022 24 d early 2022-20155445
31-12-2020 31-07-2021 27-07-2021 4 d early 2021-41100399
31-12-2019 31-07-2020 08-10-2020 69 d late 2020-59600312
31-12-2018 31-07-2019 31-07-2019 on the day 2019-42400227
31-12-2017 31-07-2018 26-07-2018 5 d early 2018-39500113
31-12-2016 31-07-2017 30-06-2017 31 d early 2017-25300276

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Established
Founded in 2016, 10 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 Flags

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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€19k
Net result€56k
Total assets€345k
Solvency5.4%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 23-04-2026 with the NBB · fiscal year 2025 · micro
Fiscal year2025
Depositmicro
Revenuen/a
EBITDAn/a
Net profit€56k
Cash flown/a
Staff costs-
Income taxes€22k
Dividends€56k
Total assets€345k
Equity€19k
Debt€326k
of which ≤ 1y€220k
of which > 1y€106k
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2025
Current ration/a
Quick ration/a
Working capital ration/a
Solvency5.4%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA16.2%
ROE301.0%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2025
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€345k
Fixed assets 21/28€200k
Tangible fixed assets 22/27€200k
Current assets 29/58€145k
Amounts receivable within one year 40/41€62k
Cash & bank 54/58€83k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€345k
Equity 10/15€19k
Contributions / capital 10/11€19k
Accumulated profits (losses) 14€0
Amounts payable 17/49€326k
Amounts payable after one year 17€106k
Amounts payable within one year 42/48€220k
Trade debts payable within one year 44€11k
Income statement
Gross operating margin 9900€168k
Operating result 9901€75k
Financial income 75€7k
Financial charges 65€4k
Result before taxes 9903€78k
Income taxes 67/77€22k
Net result for the period 9904€56k
Result to be appropriated 9905€56k
Ratios computed by Checked.

Health barometer

FY 2025 · computed
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Rozenlaan 32242 Zandhoven

Establishment units

1 location
Ma-Ja B.V.B.A.
Rozenlaan 3, 2242 ZandhovenOp lange termijn aanhouden van aandelen die afkomstig zijn van verschillende andere bedrijven die in meerderheid tot de financiële sector behoren
since 20162.254.304.051
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,297 m²
Buildings1
Building footprint411 m²
Volume (LiDAR)400 m³
Tallest building15.0 m

Real-estate footprint

Source: CBE × cadastre · address linking

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 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11033B0450/00V005 Flanders 1,297 m² 1 · 411 m² 15.0 m
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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

2 acts
Address history · 1
17-01-2023
Registered-office move
All acts · 2 updated 2 years ago
2023
21-11-2023 Change in the board of directors Director changes·Wouter NOUWKENS
Notary: Wouter NOUWKENS · MalleFirm: Notariaat Noma
17-01-2023 Registered office moved from ZANDHOVEN to Pulderbos Registered-office change
  • HERENTALSEBAAN 111B/ BUS 5-2240 ZANDHOVEN → Rozenlaan 3 bus 9, 2242 Pulderbos

Analysis

Financial profile

3 of 5 axes measured
Health-Profitability100Solvency7Growth-Stability85
64 / 100

This figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.

Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 100
Solvency 7
Growth -
Stability 85

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 5,579 of the 24,683 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210
Primary activity highlighted.
Names & trade names
Legal nameNL MA-JA
Registered office
Rozenlaan 3 bus 9
2242 Zandhoven, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.