S&J LOCK

Active

Private limited companyfounded 2022active for 4 yearsKluitingstraat 87, 1800 Vilvoorde, BelgiumKBO/BCE: BE 0788.646.028

Summary

The computed 12-month bankruptcy probability of S&J LOCK is 8.7% (elevated). The 2024 annual accounts show equity of €873 and a net result of €717. Its solvency ranks better than 29% of 3,512 sector peers (NACE 95, financial year 2024). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

S&J LOCKActiveChecked score 32/100

Risk analysis Report Compare

Activity

Repair and maintenance of other personal and household goods

NACE 95290

1 site

Size

€5,873total assets 2024

Equity: €873
Profit: €717

Turnover not published (micro format)

Financial health

32 Weak Checked score 2024

Bankruptcy probabilitywithin 12 months: 8.7%

Structure

2025 accounts not filed, 86 days past the deadline1 of 2 deeds summarised

Why 32raises risk1 change of registered office in 24 monthsFigures for financial year 2024 (filed 02-09-2025)1 financial year not filed after the legal deadline; last filed accounts filed 31 days late; 2 of the last 3 latelowers riskSize: total assets €5,873Show the evidence

Checked score

Score 2024

32 / 100

Weak

Probability in this band: 4.2% to 15.0%

Financially better than 23% of its sector peers (NACE 95, micro)

Every signal that counts is listed under Signals.

Financial strength

Weak

Solvency 40

equity 14.9% of total assets

Liquidity 6

short-term debt 85.1%

Profitability 68

return on assets 12.2%

Bankruptcy probability, 12 months

8.7% Elevated

0%0.5%1.5%4%10%≥ 25%

About 9 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.5% (5,121 companies, NACE 95, micro)

Last 24 months 11-2024: 4.3% 12-2024: 4.3%● unchanged vs 11-2024 01-2025: 7.2%▲ +2.9 percentage points vs 12-2024 02-2025: 7.2%● unchanged vs 01-2025 03-2025: 7.2%● unchanged vs 02-2025 04-2025: 7.1%▼ -0.1 percentage points vs 03-2025 05-2025: 7.1%● unchanged vs 04-2025 06-2025: 7.1%● unchanged vs 05-2025 07-2025: 7.1%● unchanged vs 06-2025 08-2025: 7.2%▲ +0.1 percentage points vs 07-2025 09-2025: 7.2%● unchanged vs 08-2025 10-2025: 4.4%▼ -2.8 percentage points vs 09-2025 11-2025: 4.4%● unchanged vs 10-2025 12-2025: 4.4%● unchanged vs 11-2025 01-2026: 4.4%● unchanged vs 12-2025 02-2026: 4.4%● unchanged vs 01-2026 03-2026: 4.1%▼ -0.3 percentage points vs 02-2026lowest value 04-2026: 4.8%▲ +0.7 percentage points vs 03-2026 05-2026: 5.6%▲ +0.8 percentage points vs 04-2026 06-2026: 5.8%▲ +0.2 percentage points vs 05-2026 07-2026: 5.7%▼ -0.1 percentage points vs 06-2026 08-2026: 6.3%▲ +0.6 percentage points vs 07-2026 09-2026: 6.3%● unchanged vs 08-2026 10-2026: 8.7%▲ +2.4 percentage points vs 09-2026highest value

No publishable credit limit; credit only on tighter terms

Liquidity tight (current ratio 1.17, below the usual 1.5; short-term debt: 85.1% of total assets), and 85.1% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 95, micro): better than 26% on solvency, 5% on liquidity and 38% on profitability.

The bankruptcy probability was computed on 24-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

lowers riskraises risk

1 change of registered office in 24 months

Belgian Official Gazette

Figures for financial year 2024 (filed 02-09-2025)

NBB · annual accounts

1 financial year not filed after the legal deadline; last filed accounts filed 31 days late; 2 of the last 3 late

NBB · filings

Size: total assets €5,873

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Annual accounts not filed

The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 86 days later.

NBB · 2 filings

Position against the passed deadline

31-12-2025 year end31-07-2026 deadline25-10-2026 today

2024 accounts filed 31 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 2 filings

Deviation from the deadline

2025

not filed

2024

31 days late

2023

68 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 50 days after the deadline; the sector median (NACE 95) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since incorporation in 2022.

KBO publications · our coverage

31-08-2025 Annual accounts filedfinancial year 2024 · micro…
31-12-2024 Back to profitnet €717
18-12-2024 Registered officeRegistered-office move

Key points

Caution: 2025 accounts not fileddeadline was 31-07-2026 86 days past the deadline View
Total assets 2024first financial year filed €5,873 View
Active since 2022founded 15-07-2022 4 years View

By topic

Financials

Financial year: 2024
Total assets: €5,873
Profit: €717
Solvency: 14.9%

Go to Financials

Timeline

Events: 4
Since: 2024

07-10-2024Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Repair and maintenance of other personal and household…NACE 95290
Founded: 15-07-2022
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about S&J LOCK

What is the company number of S&J LOCK?: 0788.646.028. In Belgium the VAT number is the company number with BE in front: BE 0788.646.028.
Where is S&J LOCK based?: The registered office is at Kluitingstraat 87, 1800 Vilvoorde.Company details
What does S&J LOCK do?: According to the KBO register, the main activity is repair and maintenance of other personal and household goods (NACE 95290).
What is the legal form of S&J LOCK?: Private limited company (BV).
When was S&J LOCK founded?: On 15-07-2022.
Is S&J LOCK still active?: Yes, S&J LOCK is an active enterprise in the KBO register.
What is the turnover of S&J LOCK?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is S&J LOCK profitable?: In financial year 2024, S&J LOCK made a profit of €717.
Where can I find the annual accounts of S&J LOCK?: S&J LOCK filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2024.