NAJ SERVICES
ActiveSummary
The computed 12-month bankruptcy probability of NAJ SERVICES is 1.7% (moderate). The 2025 annual accounts show equity of €4,069 and a net result of €3,669. Equity is shrinking by ~39.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 64% of 11502 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
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Signals
This company filed its last 3 accounts on average 45 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
History
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Financials · fiscal year 2025, micro schema
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Peer companies
Historical observationOf the 39,276 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 39,276 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Non-recurring operating income76A | - | €5,868 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,081 | €213 | €213 | = |
| Other operating charges640/8 | €1,543 | €394 | - | - |
| Non-recurring operating charges66A | - | €11,240 | - | - |
| Gross operating margin9900 | -€79 | €5,023 | €2,682 | ▼ 46.6% |
| Operating profit (loss)9901 | -€7,702 | -€6,823 | €2,469 | ▲ 136% |
| Financial income75/76B | - | - | €1,200 | - |
| Recurring financial income75 | - | - | €1,200 | - |
| Non-recurring financial income76B | - | - | €1,200 | - |
| Financial charges65/66B | €28 | €47 | - | - |
| Recurring financial charges65 | €28 | €47 | - | - |
| Profit (loss) for the period before taxes9903 | -€7,730 | -€6,870 | €3,669 | ▲ 153% |
| Profit (loss) for the period9904 | -€7,730 | -€6,870 | €3,669 | ▲ 153% |
| Profit (loss) for the period to be appropriated9905 | -€7,730 | -€6,870 | €3,669 | ▲ 153% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €32,737 | €19,994 | €6,851 | ▼ 65.7% |
| Formation expenses20 | €851 | €638 | €426 | ▼ 33.3% |
| Fixed assets21/28 | €23,471 | - | - | - |
| Tangible fixed assets22/27 | €23,471 | - | - | - |
| Furniture and vehicles24 | €23,471 | - | - | - |
| Current assets29/58 | €8,414 | €19,355 | €6,425 | ▼ 66.8% |
| Amounts receivable within one year40/41 | €6,285 | €6,641 | €6,424 | ▼ 3.3% |
| Trade receivables40 | €285 | - | €1,771 | - |
| Other amounts receivable41 | €6,000 | €6,641 | €4,653 | ▼ 29.9% |
| Cash at bank and in hand54/58 | €2,129 | €3,340 | €1 | ▼ 100.0% |
| Deferred charges and accrued income490/1 | - | €9,374 | - | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €32,737 | €19,994 | €6,851 | ▼ 65.7% |
| Equity10/15 | €7,270 | €400 | €4,069 | ▲ 918% |
| Contributions10/11 | €15,000 | €15,000 | €15,000 | = |
| Profit (loss) carried forward14 | -€7,730 | -€14,600 | -€10,931 | ▲ 25.1% |
| Amounts payable17/49 | €25,467 | €19,594 | €2,782 | ▼ 85.8% |
| Amounts payable within one year42/48 | €25,467 | €19,594 | €2,782 | ▼ 85.8% |
| Trade debts44 | €2,680 | €1,781 | €2,782 | ▲ 56.2% |
| Suppliers440/4 | €2,680 | €1,781 | €2,782 | ▲ 56.2% |
| Other amounts payable47/48 | €22,787 | €17,813 | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€7,730 | -€6,870 | €3,669 | ▲ 153% |
| + Depreciation and write-downs630 | €6,081 | €213 | €213 | = |
| Operating cash flow (approximation) | -€1,650 | -€6,658 | €3,882 | ▲ 158% |
| Change in cash | - | €1,211 | -€3,340 | ▼ 376% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Directors · office · real estate
1 establishment unit
2 parcels
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25019A0132/00G003 | Wallonia | 282 m² | 1 · 51 m² | 11.3 m · 3 fl. |
| 23086A0354/00K002 | Flanders | 82 m² | 1 · 58 m² | 10.3 m · 3 fl. |
Linked by address, not proof of ownership
Similar companies · same sector, comparable size
Identification & contact
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.