NEUSJE
ActiveSummary
The annual accounts of NEUSJE for fiscal year 2025 show a net loss of 100% of total assets and of 82% of the equity at the start of that year. The 2025 annual accounts show equity of €4,627 and a net result of -€21,270. Equity is shrinking by ~11.2% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 39% of 18716 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency47▼-53
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.18 against 24.26 in 2024; short-term debt: 78.3% and cash: 62.2% of total assets), and 78.3% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
21.7%
Return on assets
-99.7%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
27 d late
2023
29 d late
2022
25 d late
2021
33 d early
2020
31 d early
2019
53 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 14 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 27 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€4,627▼ 82.1%
2024 · €25,897
Total assets
€21,341▼ 20.7%
2024 · €26,914
Net result
-€21,270
2024 · €15,040
Working capital
€2,938▼ 87.6%
2024 · €23,658
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€5,387-€17,084▼ 217%€3,634€17,341▲ 377%-€20,319
Net result-€5,794below the sector's middle half-€17,450below the sector's middle half▼ 201%€2,003within the sector's middle half€15,040within the sector's middle half▲ 651%-€21,270below the sector's middle half
Equity€26,303within the sector's middle half▼ 18.1%€8,853within the sector's middle half▼ 66.3%€10,857within the sector's middle half▲ 22.6%€25,897within the sector's middle half▲ 139%€4,627within the sector's middle half▼ 82.1%
Total assets€38,657below the sector's middle half▼ 27.0%€33,976below the sector's middle half▼ 12.1%€32,201below the sector's middle half▼ 5.2%€26,914below the sector's middle half▼ 16.4%€21,341below the sector's middle half▼ 20.7%
Debt€12,354▼ 40.7%€25,123▲ 103%€21,344▼ 15.0%€1,017▼ 95.2%€16,714▲ 1,543%
Working capital€17,639within the sector's middle half▼ 16.6%€2,001within the sector's middle half▼ 88.7%€8,048within the sector's middle half▲ 302%€23,658within the sector's middle half▲ 194%€2,938within the sector's middle half▼ 87.6%
Solvency68.0%above the sector's middle half▲ 7.4pp26.1%within the sector's middle half▼ 42.0pp33.7%within the sector's middle half▲ 7.7pp96.2%above the sector's middle half▲ 62.5pp21.7%within the sector's middle half▼ 74.5pp
Current ratio2.89above the sector's middle half▲ 0.491.08within the sector's middle half▼ 1.811.38within the sector's middle half▲ 0.3024.26above the sector's middle half▲ 22.881.18within the sector's middle half▼ 23.08
Return on assets (ROA)-15.0%below the sector's middle half▼ 33.1pp-51.4%below the sector's middle half▼ 36.4pp6.2%within the sector's middle half▲ 57.6pp55.9%above the sector's middle half▲ 49.7pp-99.7%below the sector's middle half▼ 155.5pp
Staff (FTE)1
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €20,319 after €17,341 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €21,341
Fixed assets
€1,689 ▼ 24.6%
Current assets
€19,653 ▼ 20.4%
Equity and liabilities €21,341
Equity
€4,627 ▼ 82.1%
Debt
€16,714 ▲ 1,543%
Debt's share of the balance-sheet total rises from 3.8% to 78.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€19,769▼
2024 · €17,891
Cash flow
-€20,720▼
2024 · €15,590
Quick ratio
0.92▼
2024 · 19.90
Debt to equity
3.61▲
2024 · 0.04
ROE
-459.7%▼
2024 · 58.1%
Interest coverage
-18.47▼
2024 · 13.55
Debt ≤ 1 year
€16,714▲
2024 · €1,017
Income taxes
€141▼
2024 · €1,065
Staff costs
€20,017
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,294 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 90% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a loss of 10% of the balance sheet or more
4.1%
went bankrupt
6.0%
stopped otherwise
90%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.9% 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 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 1,294 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.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | - | €20,017 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,494 | €4,585 | €4,277 | €550 | €550 | = |
| Other operating charges640/8 | €867 | €887 | €642 | €1,103 | €929 | ▼ 15.8% |
| Gross operating margin9900 | €974 | -€11,612 | €8,553 | €18,995 | €1,177 | ▼ 93.8% |
| Operating profit (loss)9901 | -€5,387 | -€17,084 | €3,634 | €17,341 | -€20,319 | ▼ 217% |
| Financial income75/76B | €6 | €6 | €59 | €85 | €260 | ▲ 205% |
| Recurring financial income75 | €6 | €6 | €59 | €85 | €260 | ▲ 205% |
| Financial charges65/66B | €277 | €248 | €1,554 | €1,321 | €1,070 | ▼ 19.0% |
| Recurring financial charges65 | €277 | €248 | €1,554 | €1,321 | €1,070 | ▼ 19.0% |
| Profit (loss) for the period before taxes9903 | -€5,658 | -€17,326 | €2,139 | €16,105 | -€21,129 | ▼ 231% |
| Income taxes67/77 | €135 | €124 | €136 | €1,065 | €141 | ▼ 86.8% |
| Profit (loss) for the period9904 | -€5,794 | -€17,450 | €2,003 | €15,040 | -€21,270 | ▼ 241% |
| Profit (loss) for the period to be appropriated9905 | -€5,794 | -€17,450 | €2,003 | €15,040 | -€21,270 | ▼ 241% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €38,657 | €33,976 | €32,201 | €26,914 | €21,341 | ▼ 20.7% |
| Fixed assets21/28 | €11,670 | €7,085 | €2,809 | €2,239 | €1,689 | ▼ 24.6% |
| Intangible fixed assets21 | €0 | - | - | - | - | - |
| Tangible fixed assets22/27 | €10,870 | €6,285 | €2,009 | €1,439 | €889 | ▼ 38.2% |
| Plant, machinery and equipment23 | €3,600 | €2,539 | €1,989 | €1,439 | €889 | ▼ 38.2% |
| Furniture and vehicles24 | €7,270 | €3,746 | €20 | - | - | - |
| Financial fixed assets28 | €800 | €800 | €800 | €800 | €800 | = |
| Current assets29/58 | €26,987 | €26,891 | €29,392 | €24,675 | €19,653 | ▼ 20.4% |
| Stocks and contracts in progress3 | €4,130 | €2,925 | €4,357 | €4,432 | €4,316 | ▼ 2.6% |
| Stocks30/36 | €4,130 | €2,925 | €4,357 | €4,432 | €4,316 | ▼ 2.6% |
| Amounts receivable within one year40/41 | €2,607 | €1,150 | €710 | €4,337 | €2,067 | ▼ 52.4% |
| Trade receivables40 | €569 | €1,150 | €481 | - | €198 | - |
| Other amounts receivable41 | €2,038 | €0 | €229 | €4,337 | €1,869 | ▼ 56.9% |
| Cash at bank and in hand54/58 | €20,250 | €22,816 | €24,326 | €15,906 | €13,270 | ▼ 16.6% |
| Deferred charges and accrued income490/1 | €0 | - | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €38,657 | €33,976 | €32,201 | €26,914 | €21,341 | ▼ 20.7% |
| Equity10/15 | €26,303 | €8,853 | €10,857 | €25,897 | €4,627 | ▼ 82.1% |
| Contributions10/11 | €25,000 | €25,000 | €25,000 | €25,000 | €25,000 | = |
| Reserves13 | €7,097 | €7,097 | €7,097 | €7,097 | €7,097 | = |
| Non-distributable reserves130/1 | €367 | €367 | €367 | - | - | - |
| Reserves not available under the articles1311 | €367 | €367 | €367 | - | - | - |
| Distributable reserves133 | €6,730 | €6,730 | €6,730 | €7,097 | €7,097 | = |
| Profit (loss) carried forward14 | -€5,794 | -€23,244 | -€21,240 | -€6,200 | -€27,470 | ▼ 343% |
| Amounts payable17/49 | €12,354 | €25,123 | €21,344 | €1,017 | €16,714 | ▲ 1,543% |
| Amounts payable after more than one year17 | €3,006 | €233 | - | - | - | - |
| Financial debts170/4 | €3,006 | €233 | - | - | - | - |
| Amounts payable within one year42/48 | €9,348 | €24,890 | €21,344 | €1,017 | €16,714 | ▲ 1,543% |
| Current portion of amounts payable after more than one year42 | €2,735 | €2,773 | €233 | - | - | - |
| Trade debts44 | €4,548 | €9,361 | €4,380 | €921 | €7,611 | ▲ 727% |
| Suppliers440/4 | €4,548 | €9,361 | €4,380 | €921 | €7,611 | ▲ 727% |
| Taxes, remuneration and social security45 | €2,065 | €2,077 | €3,696 | €97 | €3,289 | ▲ 3,303% |
| Taxes450/3 | €2,065 | €2,077 | €3,696 | €97 | €709 | ▲ 634% |
| Remuneration and social security454/9 | - | - | - | - | €2,580 | - |
| Other amounts payable47/48 | €0 | €10,679 | €13,036 | - | €5,814 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€5,794 | -€17,450 | €2,003 | €15,040 | -€21,270 | ▼ 241% |
| + Depreciation and write-downs630 | €5,494 | €4,585 | €4,277 | €550 | €550 | = |
| Operating cash flow (approximation) | -€299 | -€12,865 | €6,280 | €15,590 | -€20,720 | ▼ 233% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €20 | €0 | ▼ 100% |
| Change in cash | - | €2,566 | €1,510 | -€8,420 | -€2,636 | ▲ 68.7% |
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
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet -€21,270
Net result drops to -€21,270, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Highest result since 2018net €15,040 ▲651%
Operating result €17,341, net result €15,040, both a record.
31-12
Financial
Liquidity times 18current ratio 24.26
Current ratio from 1.38 to 24.26; short-term debt falls from €21,344 to €1,017.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Back to profitnet €2,003
Net result €2,003 after 2 loss-making years.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €9,579
Net result €9,579 after one loss-making year.
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 53 days late
Show earlier events
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
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.
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Directors · office · real estate
Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2007
Ground area
79 m²
Building footprint
64 m²
Volume, LiDAR
488 m³
Parcel 11303C0264/00B012, Flanders · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Neusje Van De Zalm
since 20072.158.918.706
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11303C0264/00B012 | Flanders | 79 m² | 1 · 64 m² | 10.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.158.918.706
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Of 466 companies in this sector we hold annual accounts for 269. 96 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded10-01-2007
Fiscal year end31-12
Activities, NACEBEL 2025
47230Retail trade
56210Event catering
E-invoicing
Reachable via Peppol
Peppol ID
0208:0886262373
Also
9925:BE0886262373
Registered
08-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.