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S&J Store

Active
Private limited companyfounded 201313 yrs activeGrand Route(PLX) 81, 4122 Neupré, BelgiumKBO/BCE: BE 0537.798.088
Summary

S&J Store has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €144,621 and a net result of €853. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 36% of 12386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch ReportCompare
S&J StoreActiveChecked score 84/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of newspapers and periodicals
NACE 47621Non-specialised retail sale with food, beverages or tobacco predominating NACE 47110NACE 47112
3 sites
Size
€580,463total assets 2025
Equity
€144,621
Profit
€853
Financial health
84 Excellent Checked score 2025
Bankruptcy chance 12 m
0.3%
Structure
Largest shareholder
A.N. Invest · 50%
Board
1 member
Accounts filed 27 d late1 of 7 deeds read
Why 84- 1 change of registered office in 24 months+ Size: total assets €580,463+ Figures for FY 2025 (filed 27-08-2026)+ Liquidity: current ratio 1.06, cash €87,926Show the evidence

Checked score

Score 2025
84 / 100
Excellent
Probability in this band: under 0.55%
Better than 34% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 50+7
equity 24.9% of total assets
Liquidity 33+7
short-term debt 68.0% · cash 15.1%
Profitability 29+9
return on assets 0.1%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,158 companies)
Last 24 months 11-2024: 0.8% 12-2024: 0.8%● 0.0% vs 11-2024 01-2025: 0.8%▼ -0.6% vs 12-2024 02-2025: 0.8%▲ +3.5% vs 01-2025 03-2025: 0.8%● 0.0% vs 02-2025 04-2025: 0.8%▲ +1.2% vs 03-2025 05-2025: 0.6%▼ -28.9% vs 04-2025 06-2025: 0.6%▼ -7.2% vs 05-2025 07-2025: 0.6%▲ +14.8% vs 06-2025 08-2025: 0.9%▲ +44.3% vs 07-2025 09-2025: 1.1%▲ +20.2% vs 08-2025highest value 10-2025: 0.3%▼ -76.1% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%● 0.0% vs 12-2025 02-2026: 0.3%▲ +0.8% vs 01-2026 03-2026: 0.3%● 0.0% vs 02-2026 04-2026: 0.3%▲ +7.2% vs 03-2026 05-2026: 0.3%▲ +5.3% vs 04-2026 06-2026: 0.3%▲ +2.7% vs 05-2026 07-2026: 0.4%▲ +17.6% vs 06-2026 08-2026: 0.8%▲ +123% vs 07-2026 09-2026: 0.1%▼ -84.5% vs 08-2026lowest value 10-2026: 0.3%▲ +143% vs 09-2026
  • 1 change of registered office in 24 months raises the probability
  • Size: total assets €580,463 lowers the probability for this profile
  • Figures for FY 2025 (filed 27-08-2026) lowers the probability
  • Liquidity: current ratio 1.06, cash €87,926 lowers the probability
Credit up to €12,000 at 30 days acceptable
Liquidity tight (current ratio 1.06 against 1.16 in 2024; short-term debt: 68% and cash: 15.1% of total assets), and 75.1% 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 47, micro). Better than this share of them on solvency 40%, liquidity 30%, profitability 24%, growth against the median 41%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. 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.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
lowers risk · Size: total assets €580,463
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 27-08-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.06, cash €87,926
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
27 d late
2024
30 d late
2023
30 d late
2022
30 d late
2021
78 d late
2020
27 d late
2019
55 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 40 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (2)
neutral · 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 30 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
05-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Appointment: Michaël Lijcops (director)Resignations: Didier Colin (director) and…
  2. Annual accounts filedfiscal year 2025 · abbreviated…
  3. Back to profitnet €853

Key points

  • Caution: Board changedlatest change 11-09-2026 · 1 in office 1 joined · 2 left View
  • Total assets 20256 fiscal years filed €580,463 View
  • Active since 2013founded 30-08-2013 13 years View

By topic

Financials

Fiscal year
2025
Total assets
€580,463
Profit
€853
Solvency
24.9%
Total assets▼ 27.6%
Net result
20182025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-07-2027
  1. 17-09-2026Appointment: Michaël Lijcops (director)
  2. 27-08-2026Annual accounts filed
  3. 31-12-2025Back to profit
Go to Timeline

Company details

Sites
3
Legal form
Private limited company
Activity
Retail sale of newspapers and periodicalsNACE 47621
Founded
30-08-2013
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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