PEJ
ActiveThe computed 12-month bankruptcy probability of PEJ is 2.2% (moderate). The 2025 annual accounts show equity of €18k and a net result of €10k. Equity is growing by ~65.1% per year across the filed fiscal years. Its solvency ranks better than 23% of 1541 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44▲+9
Solvency28▲+2
Growth78=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.58 against 0.6 in 2024; short-term debt: 12.6% and cash: 4.2% of total assets), and 96.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 10
Relative position
BE, all sectors
reference
Sector 10
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
3.1%
Return on assets
1.6%
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 23% of 1541 sector peers (2025).
NBB · sector comparisonPosition among 1541 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-06-2026, 58 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
58 d early
2024
24 d early
2023
30 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€18k▲ 111%
2024 · €9k
2023: €7k
2024: €9k
2023 → 2025
Total assets
€587k▼ 9.9%
2024 · €651k
2023: €357k
2024: €651k
2023 → 2025
Net result
€10k▲ 482%
2024 · €2k
2023: €-38k
2024: €2k
2023 → 2025
Working capital
€-31k▲ 39.8%
2024 · €-51k
2023: €34k
2024: €-51k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€7k-€9k▲ 23.6%€18k▲ 111%
Operating result€-26k-€27k€35k▲ 29.0%
Net result€-38k-€2k€10k▲ 482%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 29% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €585k
Fixed assets
€542k▼ 5.5%
Current assets
€43k▼ 42.6%
Equity and liabilities €587k
Equity
€18k▲ 111%
Debt
€568k▼ 11.5%
The debt ratio falls from 98.7% to 96.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€73k▲
2024 · €49k
Cash flow
€47k▲
2024 · €23k
Solvency
3.1%▲
2024 · 1.3%
Current ratio
0.58▼
2024 · 0.60
Quick ratio
0.43▼
2024 · 0.52
Debt / equity
31.15▼
2024 · 74.30
ROE
52.6%▲
2024 · 19.1%
ROA
1.6%▲
2024 · 0.3%
Interest coverage
2.82▲
2024 · 1.91
Debt
€568k▼
2024 · €642k
Debt ≤ 1 year
€74k▼
2024 · €127k
Debt > 1 year
€494k▼
2024 · €516k
Staff costs
€45k▲
2024 · €6k
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€651k€587k▼
Formation expenses20€2k€1k▼
Fixed assets21/28€573k€542k▼
Intangible fixed assets21€8k€7k▼
Tangible fixed assets22/27€564k€534k▼
Land and buildings22€501k€480k▼
Plant, machinery and equipment23€62k€52k▼
Furniture and vehicles24€1k€850▼
Financial fixed assets28€1k€1k=
Current assets29/58€75k€43k▼
Stocks and contracts in progress3€9k€12k▲
Stocks30/36€9k€12k▲
Amounts receivable within one year40/41€30k€7k▼
Trade receivables40€3k€6k▲
Other amounts receivable41€26k€620▼
Cash at bank and in hand54/58€37k€25k▼
Equity and liabilities
Total equity and liabilities10/49€651k€587k▼
Equity10/15€9k€18k▲
Contributions10/11€45k€45k=
Profit (loss) carried forward14€-36k€-27k▲
Amounts payable17/49€642k€568k▼
Amounts payable after more than one year17€516k€494k▼
Financial debts170/4€516k€494k▼
Amounts payable within one year42/48€127k€74k▼
Current portion of amounts payable after more than one year42€20k€21k▲
Trade debts44€73k€23k▼
Suppliers440/4€73k€23k▼
Taxes, remuneration and social security45€10k€2k▼
Taxes450/3€10k€2k▼
Other amounts payable47/48€24k€28k▲
Income statement
Code20242025
Remuneration, social security and pensions62€6k€45k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€38k▲
Other operating charges640/8€2k€484▼
Gross operating margin9900€57k€118k▲
Operating profit (loss)9901€27k€35k▲
Financial income75/76B-€252
Recurring financial income75-€252
Financial charges65/66B€26k€26k▲
Recurring financial charges65€26k€26k▲
Profit (loss) for the period before taxes9903€2k€10k▲
Profit (loss) for the period9904€2k€10k▲
Profit (loss) for the period to be appropriated9905€2k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-36k€-27k▲
Profit (loss) brought forward from the previous period14P€-38k€-36k▲
The notes to these accounts (10 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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €10k ▲482%
Operating result €35k, net result €10k, both a record.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Walcourt · 1 establishment unit since 2022
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.
Rue des Carrossiers(Thy) 25651 WalcourtGround area
690 m²
Building footprint
59 m²
Parcel 93078C0203/00B003, Wallonia. Linked by address, not a title deed.
1 establishment unit
PEJ SRL
since 20222.341.027.989
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93078C0203/00B003 | Wallonia | 690 m² | 1 · 59 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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 siteWalcourt2.341.027.989
Similar companies · same sector, comparable size
BOUCHERIE DANÎELS COSTA
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TERSIAL
BE 1023.790.755
Gent · Eq €20k
Boucherie VERHAEGHE
BE 0685.815.140
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OLIBROCHETTES
BE 0770.332.527
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Of 328 companies in sector 10130 we hold annual accounts for 232. 72 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-11-2022
Fiscal year end31-12
Activities, NACEBEL
10130Manufacture of food products
47221Retail sale of meat and meat products, excluding game and poultry
10110Manufacture of food products
10111Manufacture of food products
10890Manufacture of food products
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:gilotpatrici@gmail.com
Phone:+32496361773