SAJ
ActiveSummary
SAJ has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €3k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 95% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+51
Solvency100=
Growth85▲+27
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 8.27 against 7.59 in 2024; short-term debt: 10.9% and cash: 13.4% of total assets), and 10.9% 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
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
89.1%
Return on assets
19.2%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €15k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
3 d early
2023
19 d late
2022
13 d early
2021
18 d early
2020
68 d late
2019
67 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€15k▲ 642%
2024 · €2k
2024: €2k
2024 → 2025
EBIT margin
21.8%▲ 5.2pp
2024 · 16.6%
2024: 16.6%
2024 → 2025
Net result
€3k▲ 823%
2024 · €345
2018: €-87
2019: €-192
2020: €-73
2021: €-253
2022: €-72
2023: €-469
2024: €345
2018 → 2025
Working capital
€13k▲ 13.2%
2024 · €12k
2018: €12k
2019: €12k
2020: €12k
2021: €12k
2022: €12k
2023: €11k
2024: €12k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2k€15k▲ 642%
Equity€12k-€12k▼ 0.6%€11k▼ 4.0%€12k▲ 3.1%€15k▲ 27.5%
Operating result€-253-€-72▲ 71.5%€-469▼ 551%€343€3k▲ 874%
Net result€-253-€-72▲ 71.5%€-469▼ 551%€345€3k▲ 823%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 874% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €17k
Fixed assets
€2k
Current assets
€15k
Equity and liabilities €17k
Equity
€15k ▲ 27.5%
Debt
€2k ▲ 2.6%
Debt's share of the balance-sheet total falls from 13.2% to 10.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€4k
Cash flow
€4k
Current ratio
8.27▲
2024 · 7.59
Debt to equity
0.12▼
2024 · 0.15
ROE
21.6%▲
2024 · 3.0%
ROA
19.2%▲
2024 · 2.6%
Interest coverage
25.45
Debt ≤ 1 year
€2k▲
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€13k€17k▲
Fixed assets21/28-€2k
Tangible fixed assets22/27-€2k
Furniture and vehicles24-€2k
Current assets29/58€13k€15k▲
Amounts receivable within one year40/41€12k€13k▲
Trade receivables40-€218
Other amounts receivable41€12k€12k=
Cash at bank and in hand54/58€857€2k▲
Equity and liabilities
Total equity and liabilities10/49€13k€17k▲
Equity10/15€12k€15k▲
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Profit (loss) carried forward14€-7k€-4k▲
Amounts payable17/49€2k€2k▲
Amounts payable within one year42/48€2k€2k▲
Trade debts44-€251
Suppliers440/4-€251
Taxes, remuneration and social security45€130€642▲
Taxes450/3€130€642▲
Other amounts payable47/48€2k€908▼
Income statement
Code20242025
Turnover70€2k€15k▲
Goods, raw materials, services and sundry goods60/61€2k€11k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€629
Other operating charges640/8-€85
Gross operating margin9900€343€4k▲
Operating profit (loss)9901€343€3k▲
Financial income75/76B€2-
Recurring financial income75€2-
Financial charges65/66B-€156
Recurring financial charges65-€156
Profit (loss) for the period before taxes9903€345€3k▲
Profit (loss) for the period9904€345€3k▲
Profit (loss) for the period to be appropriated9905€345€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-4k▲
Profit (loss) brought forward from the previous period14P€-7k€-7k▲
The notes to these accounts (2 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €3k ▲823%
Operating result €3k, net result €3k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €345
Net result €345 after 6 loss-making years.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 19 days late
2023
31-12
Financial
Weakest financial yearnet €-469
Net result drops to €-469, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
07-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 68 days late
2020
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 67 days late
2019
02-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 33 days late
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Mettet
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.
Rue Haie Mayet, St-Gérard 625640 MettetGround area
1,126 m²
Building footprint
55 m²
Volume, LiDAR
171 m³
Parcel 92104F0361/00D000, Wallonia · tallest building 4.3 m, ±1 floor. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92104F0361/00D000 | Wallonia | 1,126 m² | 1 · 55 m² | 4.3 m · 1 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
SARGON
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XIMCO
BE 0757.843.083
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FDC Enterprise
BE 0805.679.030
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ZK FOOD
BE 0837.793.651
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LOV.T Creations
BE 1002.845.782
Waregem · Eq €14,690
Of 12,958 companies in sector 47120 we hold annual accounts for 2,190. 1,331 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded13-12-2012
Fiscal year end31-12
Activities, NACEBEL 2025
47120Other non-specialised retail sale
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.