PENJAGA
InactivePENJAGA was declared bankrupt on 18-04-2024 (Ondernemingsrechtbank Antwerpen, afdeling Hasselt); the bankruptcy was closed for insufficient assets by judgment of 17-06-2025, published in the Belgian State Gazette on 23-06-2025.
No longer registered with the KBO; last annual accounts for fiscal year 2022.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2023, 3 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 3 filingsPosition against the passed deadline
31-12-2023 close31-07-2024 deadline23-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 30-06-2023, 31 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
31 d early
2021
8 d early
2020
30 d late
← before the deadline
after the deadline →
Financials · fiscal year 2022, micro schema
Equity
€1k▼ 90.6%
2021 · €15k
2020: €57k
2021: €15k
2020 → 2022
Total assets
€8k▼ 90.7%
2021 · €90k
2020: €142k
2021: €90k
2020 → 2022
Net result
€-5k▲ 87.1%
2021 · €-42k
2020: €4k
2021: €-42k
2020 → 2022
Working capital
€-5k▲ 73.6%
2021 · €-18k
2020: €-165
2021: €-18k
2020 → 2022
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202020212022Trend
Equity€57k-€15k▼ 73.3%€1k▼ 90.6%
Operating result€9k-€-10k€-409▲ 96.1%
Net result€4k-€-42k€-5k▲ 87.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €409 in 2022 against €10k in 2021; the loss shrinks.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €8k
Fixed assets
€6k▼ 87.4%
Current assets
€2k▼ 94.7%
Equity and liabilities €8k
Equity
€1k▼ 90.6%
Debt
€7k▼ 90.7%
The debt ratio stays at 83.0%.
Key figures and ratios
EBITDA
€6k▲
2021 · €-28
Cash flow
€1k▲
2021 · €-31k
Solvency
17.0%▲
2021 · 17.0%
Current ratio
0.31▼
2021 · 0.69
Quick ratio
0.31▼
2021 · 0.69
Debt / equity
4.88▼
2021 · 4.89
ROE
-379.4%▼
2021 · -274.7%
ROA
-64.5%▼
2021 · -46.6%
Interest coverage
1.35▲
2021 · 0.00
Debt
€7k▼
2021 · €75k
Debt ≤ 1 year
€7k▼
2021 · €59k
Income taxes
€356▲
2021 · €156
Staff costs
€2k▼
2021 · €53k
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 · 2022 against 2021
Balance sheet
Code20212022
Assets
Total assets20/58€90k€8k▼
Fixed assets21/28€49k€6k▼
Tangible fixed assets22/27€30k€6k▼
Land and buildings22€13k€6k▼
Leasing and similar rights25€17k-
Financial fixed assets28€20k€225▼
Current assets29/58€40k€2k▼
Amounts receivable within one year40/41€37k€1k▼
Trade receivables40€14k€1k▼
Other amounts receivable41€23k-
Current investments50/53€672-
Cash at bank and in hand54/58€2k€421▼
Deferred charges and accrued income490/1€899€327▼
Equity and liabilities
Total equity and liabilities10/49€90k€8k▼
Equity10/15€15k€1k▼
Contributions10/11€3k€3k=
Reserves13€12k€2k▼
Tax-exempt reserves132€1k-
Distributable reserves133€11k€2k▼
Profit (loss) carried forward14-€-4k
Amounts payable17/49€75k€7k▼
Amounts payable after more than one year17€16k-
Financial debts170/4€16k-
Amounts payable within one year42/48€59k€7k▼
Current portion of amounts payable after more than one year42€15k€6k▼
Trade debts44€7k€156▼
Suppliers440/4€7k€156▼
Taxes, remuneration and social security45€13k€356▼
Taxes450/3€5k€356▼
Remuneration and social security454/9€7k-
Other amounts payable47/48€24k€475▼
Income statement
Code20212022
Non-recurring operating income76A-€4k
Remuneration, social security and pensions62€53k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€7k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-991-
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A€351€4k▲
Gross operating margin9900€55k€14k▼
Operating profit (loss)9901€-10k€-409▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€31k€5k▼
Recurring financial charges65€31k€5k▼
Non-recurring financial charges66B€31k-
Profit (loss) for the period before taxes9903€-42k€-5k▲
Income taxes67/77€156€356▲
Profit (loss) for the period9904€-42k€-5k▲
Transfer from tax-exempt reserves789-€1k
Profit (loss) for the period to be appropriated9905€-42k€-4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-42k€-4k▲
Transfer from equity791/2€42k€8k▼
Profit to be distributed694/7-€8k
Return on contributions (dividend)694-€8k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-06
Bankruptcy
Bankruptcy closure (insufficient assets)
Ondernemingsrechtbank Antwerpen, afdeling Hasselt · PENJAGA BV OUDE BAAN 1, 3650 DILSEN-STOKKEM · event 17-06-2025
2024
24-04
Bankruptcy
Opening
Ondernemingsrechtbank Antwerpen, afdeling Hasselt · PENJAGA BV OUDE BAAN 1, 3650 DILSEN-STOKKEM · event 18-04-2024
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-42k ▼1049%
Net result drops to €-42k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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
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.
Insolvency mandates
3 mandates| Role | Name | Tenure |
|---|---|---|
| Curator | TOM ARTS JAARBEURSLAAN 19/31, 3600 GENK- |
18-04-2024 → present |
| Curator | GEERT RENIERS JAARBEURSLAAN 19/31,
3600 GENK |
18-04-2024 → present |
| Curator | ILONA LO GIUDICE JAAR-
BEURSLAAN 19/31, 3600 GENK |
18-04-2024 → present |