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SAJ

Active
Private limited companyfounded 201016 yrs activeCoupure 578, 9000 Gent, BelgiumKBO/BCE: BE 0828.101.965
Summary

SAJ has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.3m and a net result of -€18,770. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 51% of 9138 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
SAJActiveChecked score 92/100
Risk analysis ReportCompare

Overview

Activity
Agents in the wholesale of industrial machinery, ships and aircraft
NACE 46140
1 site
Size
€2.8mtotal assets 2025
Equity
€1.3m
Loss
-€18,770
Turnover not published (abridged schema)
Financial health
92 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Holdings
1
Accounts 36 d early1 of 4 deeds read
Why 92- Liquidity: current ratio 0.07, cash €12,319+ Size: total assets €2.8m+ Figures for FY 2025 (filed 25-06-2026)+ Founded in 2010Show the evidence

Checked score

Score 2025
92 / 100
Excellent
Probability in this band: under 0.55%
Better than 39% of its sector peers (NACE 46, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 69-8
equity 44.3% of total assets
Liquidity 35-6
short-term debt 34.9% · cash 0.4%
Profitability 56-14
return on assets -0.7%
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 0.2% (4,373 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%● 0.0% vs 12-2024 02-2025: 0.1%▲ +3.3% vs 01-2025 03-2025: 0.1%▲ +4.2% vs 02-2025 04-2025: 0.1%▲ +8.1% vs 03-2025 05-2025: 0.1%▲ +10.3% vs 04-2025 06-2025: 0.1%▲ +22.9% vs 05-2025 07-2025: 0.2%▲ +40.0% vs 06-2025highest value 08-2025: 0.1%▼ -51.7% vs 07-2025 09-2025: 0.1%● 0.0% vs 08-2025 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%▼ -4.1% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%▼ -1.1% vs 12-2025 02-2026: 0.1%▲ +4.3% vs 01-2026 03-2026: 0.1%▲ +23.7% vs 02-2026 04-2026: 0.1%▲ +9.2% vs 03-2026 05-2026: 0.1%▲ +6.1% vs 04-2026 06-2026: 0.2%▲ +17.3% vs 05-2026 07-2026: 0.1%▼ -54.0% vs 06-2026lowest value 08-2026: 0.1%● 0.0% vs 07-2026lowest value 09-2026: 0.1%● 0.0% vs 08-2026lowest value 10-2026: 0.1%● 0.0% vs 09-2026lowest value
  • Size: total assets €2.8m lowers the probability for this profile
  • Figures for FY 2025 (filed 25-06-2026) lowers the probability
  • Founded in 2010 lowers the probability for this profile
  • Liquidity: current ratio 0.07, cash €12,319 raises the probability
Credit up to €110,000 at 30 days acceptable
Liquidity short (current ratio 0.07 against 0.09 in 2024; short-term debt: 34.9% and cash: 0.4% of total assets), and 55.7% 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 46, small). Better than this share of them on solvency 52%, liquidity 37%, profitability 38%, growth against the median 28%. 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.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €2.8m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 25-06-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 2010
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Liquidity: current ratio 0.07, cash €12,319
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
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 25-06-2026, 36 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
36 d early
2024
7 d early
2023
15 d early
2022
17 d early
2021
6 d early
2020
53 d early
2019
39 d early
← 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 25 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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 17 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 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. Registered-office move · Board meetingPower of attorney
  2. Annual accounts filedfiscal year 2025 · abbreviated…
  3. Weakest financial yearnet -€18,770

Key points

  • Caution: Among the weakest 16% on net resultsector median €28,137 · 9,117 companies -€18,770 View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Total assets 20256 fiscal years filed €2.8m View

By topic

Financials

Fiscal year
2025
Total assets
€2.8m
Loss
-€18,770
Solvency
44.3%
Total assets▲ 14.7%
Net result
20182025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 17-09-2026Registered-office move · Board meeting
  2. 25-06-2026Annual accounts filed
  3. 31-12-2025Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Agents in the wholesale of industrial machinery, ships…NACE 46140
Founded
23-07-2010
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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