SAJ LIBAN
ActiveThe computed 12-month bankruptcy probability of SAJ LIBAN is 2.5% (moderate). The 2025 annual accounts show equity of €11k and a net result of €12k. Its solvency ranks better than 46% of 18237 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency54▲+54
Growth78
Track record82
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.02; short-term debt: 70.7% and cash: 53.3% of total assets), and 70.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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 · 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
29.3%
Return on assets
31%
Age of the figures
9 mo
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 10-07-2026, 21 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
21 d early
2024
153 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€11k
2024 · €-693
2024: €-693
2024 → 2025
Total assets
€39k▲ 1,526%
2024 · €2k
2024: €2k
2024 → 2025
Net result
€12k
2024 · €-693
2024: €-693
2024 → 2025
Working capital
€543
2024 · €-1k
2024: €-1k
2024 → 2025
Multi-year overview
Available amounts per fiscal year
Line20242025Trend
Equity€-693-€11k
Operating result€-674-€12k
Net result€-693-€12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €12k after a loss of €674 in 2024.
Balance-sheet composition
Assets €39k
Fixed assets
€11k
Current assets
€28k
Equity and liabilities €39k
Equity
€11k
Debt
€28k
Debt finances 70.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€13k▲
2024 · €-297
Cash flow
€13k▲
2024 · €-317
Solvency
29.3%
Current ratio
1.02
Quick ratio
0.95
Debt / equity
2.42
ROE
106.0%
ROA
31.0%
Interest coverage
134.77▲
2024 · -15.04
Debt
€28k▲
2024 · €3k
Debt ≤ 1 year
€28k▲
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2k€39k▲
Formation expenses20€753€377▼
Fixed assets21/28-€11k
Tangible fixed assets22/27-€11k
Furniture and vehicles24-€11k
Current assets29/58€2k€28k▲
Stocks and contracts in progress3-€2k
Stocks30/36-€2k
Amounts receivable within one year40/41€2k€5k▲
Trade receivables40€2k€5k▲
Other amounts receivable41-€691
Cash at bank and in hand54/58-€21k
Equity and liabilities
Total equity and liabilities10/49€2k€39k▲
Equity10/15€-693€11k▲
Profit (loss) carried forward14€-693€11k▲
Amounts payable17/49€3k€28k▲
Amounts payable within one year42/48€3k€28k▲
Trade debts44€1k€26k▲
Suppliers440/4€1k€26k▲
Taxes, remuneration and social security45-€2k
Taxes450/3-€2k
Other amounts payable47/48€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€377€601▲
Other operating charges640/8-€359
Gross operating margin9900€-297€13k▲
Operating profit (loss)9901€-674€12k▲
Financial charges65/66B€20€96▲
Recurring financial charges65€20€96▲
Profit (loss) for the period before taxes9903€-693€12k▲
Profit (loss) for the period9904€-693€12k▲
Profit (loss) for the period to be appropriated9905€-693€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-693€11k▲
Profit (loss) brought forward from the previous period14P-€-693
The notes to these accounts (4 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
31-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 153 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Ternat · 2 establishment units since 2023
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.
Assesteenweg 116 A1740 TernatGround area
1,392 m²
Building footprint
262 m²
Volume, LiDAR
1,362 m³
3 parcels, Flanders, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
SAJ LIBAN
since 20232.350.992.661
coté Sud
since 20252.372.723.928
3 parcels
Flanders
1
(33.3%)
Wallonia
2
(66.7%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52018A0031/00R009 | Wallonia | 877 m² | 1 · 91 m² | 10.9 m · 3 fl. |
| 52049C0111/00S000 | Wallonia | 433 m² | 1 · 113 m² | - |
| 23086A0354/00K002 | Flanders | 82 m² | 1 · 58 m² | 10.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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
PROTOTYPE CARS
BE 0791.612.545
Merchtem · Eq €12k
TT COMPANY
BE 0745.793.210
Koksijde · Eq €11k
MAD CLASSICS
BE 0879.389.726
Sint-Martens-Latem · Eq €11k
KB Groupe
BE 0751.995.171
Wemmel · Eq €11k
FTF+
BE 0506.851.625
Kapelle-op-den-Bos · Eq €11k
Of 10,672 companies in sector 47811 we hold annual accounts for 5,223. 2,207 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-10-2023
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
56112Limited-service restaurants, excluding mobile food services
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.