S & J

Active

Public limited companyfounded 200818 yrs activede Broquevillelaan 12, 1150 Sint-Pieters-Woluwe, BelgiumKBO/BCE: BE 0894.906.657

Summary

S & J has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.5m and a net result of €15,318. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 55% of 5338 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch Report Compare

S & JActiveChecked score 95/100

Risk analysis Report Compare

Activity

Buying and selling of own real estate

NACE 68110NACE 68100

Size

€3.4mtotal assets 2025

Equity: €1.5m
Profit: €15,318

Financial health

95 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.1%

Structure

Parent: BREDIMO · 100%

Accounts 11 d early0 of 8 deeds read

Why 95- Liquidity: current ratio 1.18, cash €18,409, halved- No establishment unit in the KBO+ Size: total assets €3.4m+ Figures for FY 2025 (filed 20-07-2026)Show the evidence

Checked score

Score 2025

95 / 100

Excellent

Probability in this band: under 0.55%

Better than 56% of its sector peers (NACE 68, small)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 69+2

equity 43.6% of total assets

Liquidity 51-6

short-term debt 4.6% · cash 0.5%

Profitability 51+6

return on assets 0.4%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (6,938 companies)

Last 24 months 11-2024: 0.6% 12-2024: 0.6%● 0.0% vs 11-2024 01-2025: 0.6%● 0.0% vs 12-2024 02-2025: 0.6%▲ +3.9% vs 01-2025 03-2025: 0.8%▲ +18.1% vs 02-2025 04-2025: 0.8%● 0.0% vs 03-2025 05-2025: 0.8%▲ +1.3% vs 04-2025 06-2025: 0.9%▲ +23.4% vs 05-2025 07-2025: 1.1%▲ +18.3% vs 06-2025 08-2025: 1.6%▲ +43.5% vs 07-2025highest value 09-2025: < 0.1%▼ -97.4% vs 08-2025lowest value 10-2025: < 0.1%● 0.0% vs 09-2025lowest value 11-2025: < 0.1%● 0.0% vs 10-2025lowest value 12-2025: < 0.1%● 0.0% vs 11-2025lowest value 01-2026: < 0.1%● 0.0% vs 12-2025lowest value 02-2026: < 0.1%● 0.0% vs 01-2026lowest value 03-2026: < 0.1%▲ +9.5% vs 02-2026 04-2026: < 0.1%▲ +8.7% vs 03-2026 05-2026: 0.1%▲ +8.0% vs 04-2026 06-2026: 0.1%▲ +42.6% vs 05-2026 07-2026: 0.1%▲ +33.8% vs 06-2026 08-2026: 0.1%▼ -13.6% vs 07-2026 09-2026: 0.1%● 0.0% vs 08-2026 10-2026: 0.1%● 0.0% vs 09-2026

Size: total assets €3.4m lowers the probability for this profile
Liquidity: current ratio 1.18, cash €18,409, halved raises the probability
Figures for FY 2025 (filed 20-07-2026) lowers the probability
No establishment unit in the KBO raises the probability

Credit up to €140,000 at 30 days acceptable

Liquidity tight (current ratio 1.18 against 1.45 in 2024; short-term debt: 4.6% and cash: 0.5% of total assets), and 56.4% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, small). Better than this share of them on solvency 62%, liquidity 62%, profitability 51%, growth against the median 49%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Size: total assets €3.4m

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Liquidity: current ratio 1.18, cash €18,409, halved

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Figures for FY 2025 (filed 20-07-2026)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

No establishment unit in the KBO

In the bankruptcy model this factor raises the probability.

KBO · seat and establishments

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-07-2026, 11 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

11 d early

2024

27 d late

2023

24 d late

2022

14 d early

2021

8 d late

2020

20 d late

2019

34 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 13 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)

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 8 August (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

03-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage