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Complete company report
Generated 12-07-2026
Active BE 0804.388.138Private limited company

NBJ

Moerstraat 28 ·2221 Heist-op-den-Berg, Belgium· 2 yrs active
Sector: Retail trade (47750)
Conclusion Checked

The computed 12-month bankruptcy probability of NBJ is 1.7% (moderate). The 2025 annual accounts show equity of €51k and a net result of €32k. Its solvency ranks better than 40% of 1374 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €51k
Net result €32k
Better than sector 40%
Active 2 yrs
Snowflake analysis 5 axes · computed by Checked
Health66Profitability100Solvency25Growth78Stability82
70 / 100

Strong profile, led by profitability.

Health 66
Profitability 100
Solvency 25
Growth 78
Stability 82
Bankruptcy probability (12 mo) Checked model v1 · free
1.7% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2025 · computed
66 / 100 Healthy
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 27-04-2026 with the NBB · fiscal year 2025 · micro
€0€20k€40kOperating result 2024: €31k€31kNet result 2024: €17k€17kOperating result 2025: €42k€42kNet result 2025: €32k€32k20242025
Operating resultNet result
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 13.5% 23.3%
better than 40% of 1374 sector peers
Net result €32k €8k
better than 78% of 1372 sector peers
Equity €51k €26k
better than 63% of 1375 sector peers
Gross operating margin €46k €36k
better than 55% of 1369 sector peers
Total assets €377k €133k
better than 81% of 1375 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€43k
+34.2% +19% vs sector
Net profit
€32k
+81.1% +88% vs sector
Cash flow
€32k
+80.7% +35% vs sector
Total assets
€377k
+6.7% +122% vs sector
Equity
€51k
+161.6% -41% vs sector
Working capital
€66k
+35.0% -18% vs sector
Income taxes
€9k
+100.9% +15% vs sector
Debt
€326k
-2.4% far above sector median
Debt ≤ 1y
€309k
+2.5% far above sector median
Debt > 1y
€17k
-46.8% -60% vs sector
Current ratio
1.21
+4.4% -66% vs sector
Quick ratio
0.20
+58.0% -92% vs sector
Solvency
13.5%
+145.2% -82% vs sector
Debt / equity
6.40
-62.7% far above sector median
ROE
61.8%
-30.8% far above sector median
ROA
8.4%
+69.7% -23% vs sector
Interest coverage
12.34
+272.8% +19% vs sector
Figures by fiscal year
Fiscal year2025
Revenue-
EBITDA€43k
Net profit€32k
Cash flow€32k
Staff costs-
Income taxes€9k
Dividends-
Total assets€377k
Equity€51k
Debt€326k
of which ≤ 1y€309k
of which > 1y€17k
Working capital€66k
Employees (FTE)-
Ratios (computed)
2025
Current ratio1.21
Quick ratio0.20
Working capital ratio17.4%
Solvency13.5%
Debt / equity6.40
Long-term debt ratio0.34
Interest coverage12.34
Gross margin-
Net margin-
ROA8.4%
ROE61.8%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€377k
Fixed assets 21/28€3k
Tangible fixed assets 22/27€3k
Current assets 29/58€374k
Stocks & contracts in progress 3€312k
Amounts receivable within one year 40/41€20k
Cash & bank 54/58€25k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€377k
Equity 10/15€51k
Contributions / capital 10/11€2k
Reserves 13€49k
Amounts payable 17/49€326k
Amounts payable after one year 17€17k
Amounts payable within one year 42/48€309k
Trade debts payable within one year 44€34k
Income statement
Gross operating margin 9900€46k
Operating result 9901€42k
Financial income 75€2k
Financial charges 65€3k
Result before taxes 9903€40k
Income taxes 67/77€9k
Net result for the period 9904€32k
Result to be appropriated 9905€32k
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Ratios computed by Checked.
Legal Structure
NACE primary Retail trade(47750)
Legal form Private limited company(610)
Incorporation28-07-2023
StatusActive
Postal code2221
Establishment units 1 location
NBJ
Moerstraat 28, 2221 Heist-op-den-BergGroothandel in parfumerieën en cosmetica
since 20232.347.945.376
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

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.
12006D0066/00R000 Flanders 1,023 m² 1 · 222 m² -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
27-04-2026
NBB filing Annual accounts filed
fiscal year 2025 · micro
2025
26-03-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE) Crossroads Bank
Activities
Detailhandel in cosmetica en toiletartikelen in gespecialiseerde winkels47750Detailhandel in cosmetica en toiletartikelen47750Overige niet-gespecialiseerde detailhandel47120Detailhandel via postorderbedrijven of via internet47910Haarverzorging96021Schoonheidsverzorging96022Kappers- en barbiersactiviteiten96210Schoonheidsverzorging en andere schoonheidsbehandelingen96220
Primary activity highlighted.
Names & trade names
Legal nameNL NBJ
Registered office
Moerstraat 28
2221 Heist-op-den-Berg, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative