RAJU
ActiveSummary
The computed 12-month bankruptcy probability of RAJU is 2.1% (moderate). The 2024 annual accounts show equity of €423,596 and a net result of €113,799. Equity is growing by ~36.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 9633 sector peers (fiscal year 2024). The company has been active since 2014 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Checked score
Score 2024
Axes · tick = 2023
Profitability100▲+23
Solvency100=
Growth78=
Track record92
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €24,000 at 30 days only on tighter terms
cash: 8.5% of total assets, and 0% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
100%
Return on assets
26.9%
Age of the figures
21 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
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-12-2025, 141 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
141 d late
2023
31 d late
2022
14 d early
2021
281 d late
2020
136 d late
2019
112 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 115 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
History
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Financials · fiscal year 2024, abbreviated schema
Equity
€423,596▲ 36.7%
2023 · €309,797
Total assets
€423,596▲ 36.7%
2023 · €309,797
Net result
€113,799▲ 429%
2023 · €21,518
Working capital
€173,160▲ 69.7%
2019 · €102,053
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€40,797▼ 23.7%€29,963▼ 26.6%€112,197▲ 274%€22,515▼ 79.9%€119,389▲ 430%
Net result€40,223within the sector's middle half▼ 24.2%€29,465within the sector's middle half▼ 26.7%€111,509above the sector's middle half▲ 278%€21,518above the sector's middle half▼ 80.7%€113,799within the sector's middle half▲ 429%
Equity€147,305within the sector's middle half▲ 37.6%€176,770within the sector's middle half▲ 20.0%€288,279above the sector's middle half▲ 63.1%€309,797above the sector's middle half▲ 7.5%€423,596within the sector's middle half▲ 36.7%
Total assets€147,305below the sector's middle half▲ 36.7%€196,489below the sector's middle half▲ 33.4%€288,279within the sector's middle half▲ 46.7%€309,797within the sector's middle half▲ 7.5%€423,596below the sector's middle half▲ 36.7%
Debt€19,719
Working capital€173,160within the sector's middle half
Solvency100.0%above the sector's middle half▲ 0.7pp90.0%above the sector's middle half▼ 10.0pp100.0%above the sector's middle half▲ 10.0pp100.0%above the sector's middle half=100.0%above the sector's middle half=
Current ratio9.78above the sector's middle half
Return on assets (ROA)27.3%above the sector's middle half▼ 21.9pp15.0%above the sector's middle half▼ 12.3pp38.7%above the sector's middle half▲ 23.7pp6.9%within the sector's middle half▼ 31.7pp26.9%above the sector's middle half▲ 19.9pp
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 abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 430% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €423,596
Fixed assets
€9,045 ▼ 33.2%
Current assets
€414,551 ▲ 39.9%
Key figures and ratios
EBITDA
€123,877▲
2023 · €27,003
Cash flow
€118,287▲
2023 · €26,006
ROE
26.9%▲
2023 · 6.9%
Interest coverage
22.16▼
2023 · 27.08
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,696 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.7%
went bankrupt
3.9%
stopped otherwise
95%
still going
For this company itself Checked computes a higher bankruptcy probability: 2.1% 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 497,340 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 34,696 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €711 | €708 | €4,488 | €4,488 | €4,488 | = |
| Other operating charges640/8 | - | €3,300 | €2,216 | €6,490 | €451 | ▼ 93.1% |
| Gross operating margin9900 | €44,350 | €33,971 | €118,901 | €33,493 | €124,328 | ▲ 271% |
| Operating profit (loss)9901 | €40,797 | €29,963 | €112,197 | €22,515 | €119,389 | ▲ 430% |
| Financial charges65/66B | - | €498 | €688 | €997 | €5,590 | ▲ 461% |
| Recurring financial charges65 | - | €498 | €688 | €997 | €5,590 | ▲ 461% |
| Non-recurring financial charges66B | - | €498 | €688 | €997 | €5,590 | ▲ 461% |
| Profit (loss) for the period before taxes9903 | €40,223 | €29,465 | €111,509 | €21,518 | €113,799 | ▲ 429% |
| Profit (loss) for the period9904 | €40,223 | €29,465 | €111,509 | €21,518 | €113,799 | ▲ 429% |
| Profit (loss) for the period to be appropriated9905 | €40,223 | €29,465 | €111,509 | €21,518 | €113,799 | ▲ 429% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €147,305 | €196,489 | €288,279 | €309,797 | €423,596 | ▲ 36.7% |
| Fixed assets21/28 | €4,318 | €3,610 | €18,022 | €13,534 | €9,045 | ▼ 33.2% |
| Tangible fixed assets22/27 | €4,318 | €3,610 | €18,022 | €13,534 | €9,045 | ▼ 33.2% |
| Plant, machinery and equipment23 | - | €3,610 | €2,902 | €2,194 | €1,485 | ▼ 32.3% |
| Furniture and vehicles24 | - | - | €15,120 | €11,340 | €7,560 | ▼ 33.3% |
| Current assets29/58 | €142,987 | €192,879 | €270,257 | €296,263 | €414,551 | ▲ 39.9% |
| Stocks and contracts in progress3 | €34,528 | €34,528 | €34,527 | €34,427 | €0 | ▼ 100% |
| Stocks30/36 | - | €34,528 | €34,527 | €34,427 | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €12,473 | €31,613 | €17,092 | €9,850 | €378,643 | ▲ 3,744% |
| Other amounts receivable41 | - | €31,613 | €17,092 | €9,850 | €378,643 | ▲ 3,744% |
| Cash at bank and in hand54/58 | €95,986 | €126,738 | €218,638 | €251,986 | €35,908 | ▼ 85.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €147,305 | €196,489 | €288,279 | €309,797 | €423,596 | ▲ 36.7% |
| Equity10/15 | €147,305 | €176,770 | €288,279 | €309,797 | €423,596 | ▲ 36.7% |
| Contributions10/11 | €18,600 | - | - | - | - | - |
| Reserves13 | €1,860 | €20,460 | €20,460 | €20,460 | €20,460 | = |
| Non-distributable reserves130/1 | - | €20,460 | €20,460 | €20,460 | €20,460 | = |
| Reserves not available under the articles1311 | - | €20,460 | €20,460 | €20,460 | €20,460 | = |
| Profit (loss) carried forward14 | €126,845 | €156,310 | €267,819 | €289,337 | €403,136 | ▲ 39.3% |
| Amounts payable17/49 | - | €19,719 | - | - | - | - |
| Amounts payable within one year42/48 | - | €19,719 | - | - | - | - |
| Financial debts43 | - | €4,540 | - | - | - | - |
| Credit institutions430/8 | - | €4,540 | - | - | - | - |
| Taxes, remuneration and social security45 | - | €15,179 | - | - | - | - |
| Taxes450/3 | - | €15,179 | - | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €40,223 | €29,465 | €111,509 | €21,518 | €113,799 | ▲ 429% |
| + Depreciation and write-downs630 | €711 | €708 | €4,488 | €4,488 | €4,488 | = |
| Operating cash flow (approximation) | €40,934 | €30,173 | €115,997 | €26,006 | €118,287 | ▲ 355% |
| Investment in fixed assets (approximation) | - | €0 | -€18,900 | €0 | €1 | - |
| Change in cash | - | €30,752 | €91,900 | €33,348 | -€216,078 | ▼ 748% |
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
2026
22-06
KBO administration
Address struck
Stwg. op Aalst 186 L’adresse du siège Stwg. op Aalst 186 1745 Die Sitzadresse Stwg. op Aalst 186 1745
1745 Opwijk werd doorgehaald met ingang Opwijk · event 10-06-2025
08-05
State Gazette act
Resignations: HENNEMAN Hilde (manager) and SINGH Harjinder (manager)Appointments: HENNEMAN Hilde (director) and SINGH Harjinder (director) · Capital conversion · Reserve release8 facts ▸
State Gazette act
Resignations: HENNEMAN Hilde (manager) and SINGH Harjinder (manager)
Appointments: HENNEMAN Hilde (director) and SINGH Harjinder (director) · Capital conversion · Reserve release8 facts ▸
- Capital conversion, statutair onbeschikbare eigen vermogensrekening
- Capital conversion, eigen vermogensrekening 'niet-opgevraagde inbrengen'
- Reserve release, eenparigheid van stemmen, beschikbaar stellen voor uitkering
- Statutes amendment
- Director resignation, HENNEMAN Hilde (manager)
- Director resignation, SINGH Harjinder (manager)
- Director appointment, HENNEMAN Hilde (director)
- Director appointment, SINGH Harjinder (director)
2025
19-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 141 days late
2024
31-12
Financial
Highest result since 2018net €113,799 ▲429%
Operating result €119,389, net result €113,799, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
08-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 281 days late
2022
31-12
Financial
Equity above €200,000Eq €288,279 ▲63.1%
5 profitable years in a row build equity to €288,279.
2021
31-12
Financial
Equity above €150,000Eq €176,770 ▲20%
4 profitable years in a row build equity to €176,770.
14-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 136 days late
2020
20-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 112 days late
20-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 204 days late
Show earlier events
2019
31-12
Financial
Equity above €100,000Eq €107,082 ▲98.2%
2 profitable years in a row build equity to €107,082.
25-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 237 days late
2016
25-05
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
SignalFinancial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 5 acts read
About the unread acts
Of the 5 Belgian State Gazette acts we know for this company, 1 has been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 directors, last change in 2026
HARJINDER Singh
CurrentDirector · since 08-05-2026
HENNEMAN Hilde
CurrentDirector · since 08-05-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
4 of this company's 5 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Opwijk · 1 establishment unit since 2014
Ground area
327 m²
Building footprint
222 m²
Volume, LiDAR
1,518 m³
Parcel 23752G0439/00H002, Flanders · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
NACHTWINKEL
since 20142.238.377.740
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23752G0439/00H002 | Flanders | 327 m² | 1 · 222 m² | 11.1 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.
Mandate history
2 people since 2026, 2 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| HARJINDER Singh |
|
| HENNEMAN Hilde |
|
Articles of association
Who signs
Each director alone
Annual meeting
First Wednesday of May at 18:30
Duration
Unlimited
Statutory auditor
No statutory auditor appointed
Purpose
De aan-en verkoop, groot –en kleinhandel, invoer en uitvoer van levensmiddelen in het algemeen, namelijk voedingswaren, dranken alcoholische en niet alcoholische, speelgoed, papier…
Full purpose (4 activities)
- De aan-en verkoop, groot –en kleinhandel, invoer en uitvoer van levensmiddelen in het algemeen, namelijk voedingswaren, dranken alcoholische en niet alcoholische, speelgoed, papier -en rookwaren en tabak, dagbladen, verzorgingsproducten. Zij mag zowel een dag als een nachtwinkel uitbaten.
- Zij mag ook een carwash uitbaten en een benzinestation uitbaten, met shop (groot en kleinhandel).
- Zij heeft in het algemeen de volle rechtsbekwaamheid om alle handelingen en verrichtingen te voltrekken die een rechtstreeks of onrechtstreeks verband houden met haar maatschappelijk doel of welke van die aard zouden zijn dat zij de verwezenlijking van dit doel, rechtstreeks of onrechtstreeks, geheel of ten dele vergemakkelijken.
- Zij kan belangen nemen door associatie, inbreng, fusie, financiële tussenkomst of op gelijk welke andere wijze, in alle vennootschappen, verenigingen of ondernemingen met een identiek, gelijklopend of samenhangend doel met het hare, of die van aard kunnen zijn de ontwikkeling van haar onderneming te begunstigen of een bron van afzetten te vormen.
Legal form clause
Registered office clause
Vlaams Gewest, bekendmaking in de bijlage tot het Belgisch Staatsblad door toedoen van het bestuur
Capital
Artikel 5. Inbrengen
Artikel 6. Aantal en aard van de aandelen - Uitgifte en intrekking van aandelen
Share issue rule
Eenparig besluit van alle aandeelhouders indien geen inbreng in natura, besluit van de algemene vergadering is nietig indien verslag ontbreekt
Transfer restriction
Procedure- en expertisekosten voor de helft ten laste van de overdrager en voor de andere helft ten laste van de koper(s) naar evenredigheid met het aantal aand…
Member resignation
One provision in the deed
Other statement
Uitsluiting van aandeelhouder, wettige reden
Uitkoopbod om geheel van de aandelen te verkrijgen, aanbod tot inkoop van aandelen
Ondeelbaarheid van aandelen, vruchtgebruiker oefent alle rechten uit die verbonden zijn aan de aandelen die hij als vruchtgebruiker bezit
Dagelijks bestuur, bestuur mag dagelijks bestuur en bepaalde speciale volmachten opdragen aan alle mandatarissen naar keuze
Alle beslissingen tot bevoegdheid algemene vergadering, schriftelijke beslissingen
Binnen grenzen bepaald door Wetboek, kunnen uitoefening van stemrecht regelen
Notulen, ondertekend door leden van bureau en aanwezige aandeelhouders die erom vragen
Artikel 23. Keuze van woonplaats
Eenparigheid van stemmen, overeenstemming met wetboek
Board rule
Bestuurder, 2
Alle handelingen nodig of dienstig tot verwezenlijking van voorwerp, bevoegdheden bestuurder
Auditor rule
Hernieuwbare termijn van drie jaar, commissaris
Meeting notice
Zetel van vennootschap of plaats vermeld in oproepingsberichten, vermeld in oproeping
Voting rule
Ieder aandeelhouder mag zelf of door lasthebber stemmen, mogelijkheid om stem vooraf schriftelijk uit te brengen
Profit allocation
Algemene vergadering bepaalt gebruik, batig saldo van resultatenrekening vormt nettowinst
Niet afgeschreven gedeelte herwaarderingsmeerwaarden beschouwd als onbeschikbaar, geen uitkering indien nettoactief negatief is of zou worden
1 more provision on this in the deed
Dissolution rule
Te allen tijde, algemene vergadering
Liquidation rule
Artikel 21. Vereffenaar
Liquidation distribution
Goederen in natura verdeeld op dezelfde wijze, netto actief verdeeld onder aandeelhouders naar verhouding aantal aandelen
Structure & network
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
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Capital and shareholders
Capital over the years
- 08-05-2026 Converted to unavailable equity
- 08-05-2026 Converted to uncalled contributions
Recognitions · licences · registrations
Food safety, FASFC
1 siteOpwijk2.238.377.740
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Of 2,474 companies in sector 47279 we hold annual accounts for 949. 554 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded15-10-2014
Fiscal year end31-12
Activities, NACEBEL 2025
47279Other retail sale of food
E-invoicing
Reachable via Peppol
Peppol ID
0208:0564724397
Also
9925:BE0564724397
Registered
30-12-2025
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.