PJ LABGOODS
ActivePJ LABGOODS has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €76k and a net result of €6k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 63% of 11200 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability42▲+14
Solvency96▲+7
Growth52=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.93 against 1.65 in 2024), and 41.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 46
Relative position
BE, all sectors
reference
Sector 46
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
58.5%
Return on assets
4.9%
Age of the figures
11 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €76k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
1 d early
2023
11 d early
2022
4 d early
2021
2 d early
2020
1 d early
2019
96 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€76k▲ 9.1%
2024 · €70k
2018: €59k
2019: €76k
2020: €93k
2021: €107k
2022: €42k
2023: €66k
2024: €70k
2018 → 2025
Total assets
€130k▼ 0.3%
2024 · €131k
2018: €128k
2019: €127k
2020: €160k
2021: €118k
2022: €131k
2023: €138k
2024: €131k
2018 → 2025
Net result
€6k▲ 61.5%
2024 · €4k
2018: €31k
2019: €17k
2020: €17k
2021: €14k
2022: €20k
2023: €24k
2024: €4k
2018 → 2025
Working capital
€50k▲ 26.0%
2024 · €40k
2018: €55k
2019: €66k
2020: €88k
2021: €106k
2022: €41k
2023: €27k
2024: €40k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€107k-€42k▼ 60.7%€66k▲ 56.6%€70k▲ 6.0%€76k▲ 9.1%
Operating result€19k-€26k▲ 37.2%€34k▲ 28.7%€7k▼ 80.1%€7k▲ 3.0%
Net result€14k-€20k▲ 40.0%€24k▲ 20.2%€4k▼ 83.5%€6k▲ 61.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €130k
Fixed assets
€26k▼ 13.2%
Current assets
€104k▲ 3.5%
Equity and liabilities €130k
Equity
€76k▲ 9.1%
Debt
€54k▼ 11.2%
The debt ratio falls from 46.6% to 41.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€15k▼
2024 · €15k
Cash flow
€15k▲
2024 · €13k
Solvency
58.5%▲
2024 · 53.4%
Current ratio
1.93▲
2024 · 1.65
Quick ratio
1.19▲
2024 · 1.02
Debt / equity
0.71▼
2024 · 0.87
ROE
8.4%▲
2024 · 5.6%
ROA
4.9%▲
2024 · 3.0%
Interest coverage
20.55▲
2024 · 9.92
Debt
€54k▼
2024 · €61k
Debt ≤ 1 year
€54k▼
2024 · €61k
Income taxes
€2k▲
2024 · €1k
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€131k€130k▼
Fixed assets21/28€30k€26k▼
Tangible fixed assets22/27€30k€26k▼
Plant, machinery and equipment23-€4k
Furniture and vehicles24€30k€22k▼
Current assets29/58€101k€104k▲
Stocks and contracts in progress3€39k€40k▲
Stocks30/36€39k€40k▲
Amounts receivable within one year40/41€38k€44k▲
Trade receivables40€30k€37k▲
Other amounts receivable41€8k€7k▼
Cash at bank and in hand54/58€23k€20k▼
Deferred charges and accrued income490/1€419€448▲
Equity and liabilities
Total equity and liabilities10/49€131k€130k▼
Equity10/15€70k€76k▲
Contributions10/11€19k€19k=
Reserves13€51k€58k▲
Tax-exempt reserves132€2k€2k=
Distributable reserves133€50k€56k▲
Amounts payable17/49€61k€54k▼
Amounts payable within one year42/48€61k€54k▼
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Taxes, remuneration and social security45€7k€9k▲
Taxes450/3€7k€9k▲
Other amounts payable47/48€51k€44k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€8k▼
Other operating charges640/8€502€507▲
Gross operating margin9900€16k€16k=
Operating profit (loss)9901€7k€7k▲
Financial income75/76B€12€2k▲
Recurring financial income75€12€2k▲
Financial charges65/66B€2k€750▼
Recurring financial charges65€2k€750▼
Profit (loss) for the period before taxes9903€5k€8k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€4k€6k▲
Profit (loss) for the period to be appropriated9905€4k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€6k▲
Transfer to equity691/2€4k€6k▲
To other reserves6921€4k€6k▲
The notes to these accounts (5 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €4k ▼83.5%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
19-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity times 5current ratio 10.62
Current ratio from 2.32 to 10.62; short-term debt falls from €67k to €11k.
30-09
Financial
Equity above €100kEq €107k ▲15.2%
4 profitable years in a row build equity to €107k.
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 96 days late
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 220 days late
06-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 585 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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
Registered office, Brasschaat · 1 establishment unit since 2015
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.
Diksmuidelei 22930 BrasschaatGround area
2,751 m²
Building footprint
110 m²
Volume, LiDAR
1,011 m³
Parcel 11008H0068/00N003, Flanders · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PJ LABGOODS
since 20152.243.109.855
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11008H0068/00N003 | Flanders | 2,751 m² | 1 · 110 m² | 12.8 m · 3 fl. |
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.
Similar companies · same sector, comparable size
Wilkhahn Belgien
BE 1003.583.279
Brussel · Eq €76k
BELISIA INTERIOR CONCEPTS
BE 0839.564.692
Bilzen · Eq €71k
H & V CARPETS
BE 0438.941.430
Lendelede · Eq €86k
SITIS
BE 0428.570.645
Tienen · Eq €93k
KISS
BE 0543.374.006
Diksmuide · Eq €61k
Of 189 companies in sector 46472 we hold annual accounts for 121. 83 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-06-2015
Fiscal year end30-09
Activities, NACEBEL
46472Wholesale trade
46650Wholesale trade
46460Wholesale of pharmaceutical and medical goods
46649Wholesale of other machinery and equipment
47740Retail trade
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.