NAJJAR
ActiveNAJJAR has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54k and a net result of €-1k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 68% of 7971 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-18
Solvency87▲+5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.71 against 1.64 in 2024; short-term debt: 26.9% and cash: 38.7% of total assets), and 37.7% 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 · 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
62.3%
Return on assets
-1.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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
3 d late
2024
on the day
2023
5 d late
2022
7 d early
2021
3 d early
2020
4 d early
2019
24 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€22k
EBIT margin
14.5%
Net result
€-1k
2024 · €12k
2018: €3k
2019: €-4k
2020: €-1k
2021: €-679
2022: €31k
2023: €15k
2024: €12k
2018 → 2025
Working capital
€17k▲ 2.3%
2024 · €16k
2018: €3k
2019: €-1k
2020: €-2k
2021: €-3k
2022: €27k
2023: €41k
2024: €16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-3k-€28k€43k▲ 53.2%€55k▲ 28.5%€54k▼ 2.6%
Operating result€-607-€31k€20k▼ 36.1%€18k▼ 8.8%€-751
Net result€-679-€31k€15k▼ 52.2%€12k▼ 17.9%€-1k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €751 after €18k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €86k
Fixed assets
€47k▼ 14.7%
Current assets
€40k▼ 4.6%
Equity and liabilities €86k
Equity
€54k▼ 2.6%
Debt
€33k▼ 20.8%
The debt ratio falls from 42.6% to 37.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€12k▼
2024 · €27k
Cash flow
€12k▼
2024 · €21k
Solvency
62.3%▲
2024 · 57.4%
Current ratio
1.71▲
2024 · 1.64
Quick ratio
1.71▲
2024 · 1.64
Debt / equity
0.60▼
2024 · 0.74
ROE
-2.7%▼
2024 · 22.2%
ROA
-1.7%▼
2024 · 12.7%
Interest coverage
14.24▼
2024 · 34.14
Debt
€33k▼
2024 · €41k
Debt ≤ 1 year
€23k▼
2024 · €26k
Debt > 1 year
€9k▼
2024 · €16k
Income taxes
€76▼
2024 · €5k
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€96k€86k▼
Fixed assets21/28€55k€47k▼
Tangible fixed assets22/27€55k€47k▼
Plant, machinery and equipment23€1k€1k▼
Furniture and vehicles24€53k€45k▼
Current assets29/58€42k€40k▼
Amounts receivable within one year40/41€10k€6k▼
Trade receivables40€7k€6k▼
Other amounts receivable41€2k€1▼
Cash at bank and in hand54/58€32k€33k▲
Equity and liabilities
Total equity and liabilities10/49€96k€86k▼
Equity10/15€55k€54k▼
Contributions10/11€8k€8k=
Outside capital11€8k€8k=
Other1109/19€8k€8k=
Reserves13€47k€47k=
Distributable reserves133€47k€47k=
Profit (loss) carried forward14€278€-1k▼
Amounts payable17/49€41k€33k▼
Amounts payable after more than one year17€16k€9k▼
Financial debts170/4€16k€9k▼
Amounts payable within one year42/48€26k€23k▼
Financial debts43€6k€6k▲
Credit institutions430/8€6k€6k▲
Taxes, remuneration and social security45€3k€318▼
Taxes450/3€3k€318▼
Other amounts payable47/48€17k€17k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€13k▲
Other operating charges640/8€858€831▼
Gross operating margin9900€28k€13k▼
Operating profit (loss)9901€18k€-751▼
Financial income75/76B€119€254▲
Recurring financial income75€119€254▲
Financial charges65/66B€787€864▲
Recurring financial charges65€787€864▲
Profit (loss) for the period before taxes9903€18k€-1k▼
Income taxes67/77€5k€76▼
Profit (loss) for the period9904€12k€-1k▼
Profit (loss) for the period to be appropriated9905€12k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€278€-1k▼
Profit (loss) brought forward from the previous period14P€-12k€278▲
The notes to these accounts (5 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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 3 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €31k
Net result €31k after 3 loss-making years.
31-12
Financial
Liquidity times 6current ratio 3.71
Current ratio from 0.61 to 3.71.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
31-12
Financial
Weakest financial yearnet €-4k ▼232%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
02-03
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 214 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Boortmeerbeek · 1 establishment unit since 1995
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.
Boomblokweg 8A3191 BoortmeerbeekGround area
2,893 m²
Building footprint
340 m²
Volume, LiDAR
1,661 m³
2 parcels, Flanders, Wallonia · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Lambert Fortune 46, 1300 Wavre
since 19952.070.411.352
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24039B0567/00F000 | Flanders | 2,595 m² | 1 · 262 m² | 9.7 m · 2 fl. |
| 25112M0353/00S000 | Wallonia | 298 m² | 1 · 77 m² | - |
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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MAVIOS
BE 0777.753.819
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REHASPORT
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AVCOTECH
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Of 6,156 companies in sector 46190 we hold annual accounts for 2,569. 1,930 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-01-1995
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.