OUJDIA
ActiveSummary
OUJDIA has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€14,184) and a net result of €14,170. Equity is growing by ~25.8% per year across the filed fiscal years. Its solvency ranks better than 10% of 4272 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability62▲+8
Solvency17▲+10
Growth69▲+15
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.92 against 0.84 in 2024; short-term debt: 107.7% and cash: 7.5% of total assets), and equity is negative.
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Signals
Eight 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 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
-7.7%
Return on assets
7.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 4272 sector peers (2025).
NBB · sector comparisonPosition among 4272 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
1 d early
2023
46 d late
2022
13 d late
2021
44 d late
2020
23 d late
2019
139 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 42 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 28 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
€573,152▼ 2.4%
2024 · €587,449
EBIT margin
2.5%▲ 2.0pp
2024 · 0.5%
Net result
€14,170▲ 461%
2024 · €2,524
Working capital
-€15,134▲ 48.8%
2024 · -€29,542
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
Turnover€489,406▼ 4.4%€563,568▲ 15.2%€563,949▲ 0.1%€587,449▲ 4.2%€573,152▼ 2.4%
Operating result-€15,386€1,319-€12,265€2,807€14,350▲ 411%
Net result-€15,478below the sector's middle half€1,160within the sector's middle half-€12,357below the sector's middle half€2,524within the sector's middle half€14,170within the sector's middle half▲ 461%
EBIT margin-3.1%▼ 13.8pp0.2%▲ 3.4pp-2.2%▼ 2.4pp0.5%▲ 2.7pp2.5%▲ 2.0pp
Equity-€19,681below the sector's middle half▼ 368%-€18,521below the sector's middle half▲ 5.9%-€30,878below the sector's middle half▼ 66.7%-€28,354below the sector's middle half▲ 8.2%-€14,184below the sector's middle half▲ 50.0%
Total assets€125,215below the sector's middle half▼ 14.1%€86,719below the sector's middle half▼ 30.7%€33,173below the sector's middle half▼ 61.7%€161,885below the sector's middle half▲ 388%€184,517below the sector's middle half▲ 14.0%
Debt€144,896▼ 3.4%€105,240▼ 27.4%€64,051▼ 39.1%€190,239▲ 197%€198,701▲ 4.4%
Working capital-€21,582below the sector's middle half▼ 240%-€20,184below the sector's middle half▲ 6.5%-€32,303below the sector's middle half▼ 60.0%-€29,542below the sector's middle half▲ 8.5%-€15,134below the sector's middle half▲ 48.8%
Solvency-15.7%below the sector's middle half▼ 12.8pp-21.4%below the sector's middle half▼ 5.6pp-93.1%below the sector's middle half▼ 71.7pp-17.5%below the sector's middle half▲ 75.6pp-7.7%below the sector's middle half▲ 9.8pp
Current ratio0.85below the sector's middle half▼ 0.110.81below the sector's middle half▼ 0.040.50below the sector's middle half▼ 0.310.84below the sector's middle half▲ 0.350.92below the sector's middle half▲ 0.08
Return on assets (ROA)-12.4%below the sector's middle half▼ 49.9pp1.3%within the sector's middle half▲ 13.7pp-37.2%below the sector's middle half▼ 38.6pp1.6%within the sector's middle half▲ 38.8pp7.7%within the sector's middle half▲ 6.1pp
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.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 411% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €184,517
Fixed assets
€951 ▼ 20.0%
Current assets
€183,567 ▲ 14.2%
Equity and liabilities
Equity-€14,184
Debt€198,701
Equity is negative: debt (€198,701) exceeds the balance-sheet total (€184,517).
Key figures and ratios
EBITDA
€14,588▲
2024 · €3,044
Cash flow
€14,408▲
2024 · €2,762
Quick ratio
0.09▼
2024 · 0.13
Interest coverage
80.90▲
2024 · 10.77
Debt ≤ 1 year
€198,701▲
2024 · €190,239
Staff costs
€30,977▼
2024 · €30,993
No debt to equity: equity is negative, so debt divided by equity means nothing.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,795 companies that looked in July 2024 the way this one looks now, 2.7% went bankrupt within 24 months and 92% are still going.
- Micro
- 20 years or older
- negative equity
- a profit of 5% of the balance sheet or more
2.7%
went bankrupt
5.3%
stopped otherwise
92%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 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 3,795 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 |
|---|---|---|---|---|---|---|
| Turnover70 | €489,406 | €563,568 | €563,949 | €587,449 | €573,152 | ▼ 2.4% |
| Goods, raw materials, services and sundry goods60/61 | €470,115 | €532,012 | €531,416 | €548,706 | €526,219 | ▼ 4.1% |
| Remuneration, social security and pensions62 | €31,123 | €26,260 | €40,834 | €30,993 | €30,977 | ▼ 0.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €238 | €238 | €238 | €238 | €238 | = |
| Other operating charges640/8 | €3,316 | €3,739 | €3,727 | €4,705 | €1,368 | ▼ 70.9% |
| Gross operating margin9900 | €19,291 | €31,557 | €32,533 | €38,742 | €46,933 | ▲ 21.1% |
| Operating profit (loss)9901 | -€15,386 | €1,319 | -€12,265 | €2,807 | €14,350 | ▲ 411% |
| Financial charges65/66B | €92 | €160 | €91 | €283 | €180 | ▼ 36.2% |
| Recurring financial charges65 | €92 | €160 | €91 | €283 | €180 | ▼ 36.2% |
| Profit (loss) for the period before taxes9903 | -€15,478 | €1,160 | -€12,357 | €2,524 | €14,170 | ▲ 461% |
| Profit (loss) for the period9904 | -€15,478 | €1,160 | -€12,357 | €2,524 | €14,170 | ▲ 461% |
| Profit (loss) for the period to be appropriated9905 | -€15,478 | €1,160 | -€12,357 | €2,524 | €14,170 | ▲ 461% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €125,215 | €86,719 | €33,173 | €161,885 | €184,517 | ▲ 14.0% |
| Fixed assets21/28 | €1,901 | €1,663 | €1,426 | €1,188 | €951 | ▼ 20.0% |
| Tangible fixed assets22/27 | €1,901 | €1,663 | €1,426 | €1,188 | €951 | ▼ 20.0% |
| Other tangible fixed assets26 | €1,901 | €1,663 | €1,426 | €1,188 | €951 | ▼ 20.0% |
| Current assets29/58 | €123,314 | €85,055 | €31,748 | €160,697 | €183,567 | ▲ 14.2% |
| Stocks and contracts in progress3 | €99,165 | €72,665 | - | €135,875 | €165,415 | ▲ 21.7% |
| Stocks30/36 | €99,165 | €72,665 | - | €135,875 | €165,415 | ▲ 21.7% |
| Amounts receivable within one year40/41 | €2,943 | €1,432 | €2,032 | €4,860 | €4,360 | ▼ 10.3% |
| Other amounts receivable41 | €2,943 | €1,432 | €2,032 | €4,860 | €4,360 | ▼ 10.3% |
| Cash at bank and in hand54/58 | €21,206 | €10,958 | €29,716 | €19,962 | €13,792 | ▼ 30.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €125,215 | €86,719 | €33,173 | €161,885 | €184,517 | ▲ 14.0% |
| Equity10/15 | -€19,681 | -€18,521 | -€30,878 | -€28,354 | -€14,184 | ▲ 50.0% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Capital10 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Issued capital100 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €400 | €400 | €400 | €400 | €400 | = |
| Non-distributable reserves130/1 | €20 | €20 | €20 | €20 | €20 | = |
| Legal reserve130 | €20 | €20 | €20 | €20 | €20 | = |
| Distributable reserves133 | €380 | €380 | €380 | €380 | €380 | = |
| Profit (loss) carried forward14 | -€38,673 | -€37,513 | -€49,870 | -€47,346 | -€33,176 | ▲ 29.9% |
| Amounts payable17/49 | €144,896 | €105,240 | €64,051 | €190,239 | €198,701 | ▲ 4.4% |
| Amounts payable within one year42/48 | €144,896 | €105,240 | €64,051 | €190,239 | €198,701 | ▲ 4.4% |
| Trade debts44 | €44,896 | €5,240 | €4,051 | €73,239 | €98,701 | ▲ 34.8% |
| Suppliers440/4 | €44,896 | €5,240 | €4,051 | €73,239 | €98,701 | ▲ 34.8% |
| Taxes, remuneration and social security45 | - | - | - | €17,000 | - | - |
| Remuneration and social security454/9 | - | - | - | €17,000 | - | - |
| Other amounts payable47/48 | €100,000 | €100,000 | €60,000 | €100,000 | €100,000 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€15,478 | €1,160 | -€12,357 | €2,524 | €14,170 | ▲ 461% |
| + Depreciation and write-downs630 | €238 | €238 | €238 | €238 | €238 | = |
| Operating cash flow (approximation) | -€15,241 | €1,397 | -€12,119 | €2,762 | €14,408 | ▲ 422% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€10,247 | €18,757 | -€9,753 | -€6,171 | ▲ 36.7% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 28 days late
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €2,524
Net result €2,524 after one loss-making year.
15-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 46 days late
2023
13-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 13 days late
2022
31-12
Financial
Back to profitnet €1,160
Net result €1,160 after one loss-making year.
13-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 44 days late
2021
31-12
Financial
Weakest financial yearnet -€15,478
Net result drops to -€15,478, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 23 days late
2020
31-12
Financial
Highest result since 2018net €54,753 ▲684%
Operating result €54,763, net result €54,753, both a record.
17-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 139 days late
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
19-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 19 days late
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, Sint-Agatha-Berchem · 2 establishment units since 1991
Ground area
495 m²
Building footprint
283 m²
Volume, LiDAR
4,404 m³
2 parcels, Brussels · tallest building 20.5 m, ±6 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
2 establishment units
BEN
since 19912.055.231.149
CHEZ BEN - NIGHT SHOP
since 20002.055.231.347
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21003A0328/00C000 | Brussels | 418 m² | 1 · 172 m² | 20.5 m · 6 fl. |
| 21003A0328/00D002 | Brussels | 77 m² | 1 · 111 m² | 19.3 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
2 sitesSint-Agatha-Berchem2.055.231.149
Sint-Agatha-Berchem2.055.231.347
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 10,504 companies in this sector we hold annual accounts for 5,855. See the whole sector
Company details
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded16-07-1991
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47230Retail trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0444735793
Also
9925:BE0444735793
Registered
08-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.