Summary
Conclusion
the dossier summarised in one paragraphSAJAMA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €51.91M and a net result of €5.45M. Equity is growing by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 31% of 216 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 3 annual accounts.
Signals
2 signals · with evidenceConsistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
View the equity trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 03-03-2026, 28 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
The next deadline is still running
The next financial year closes on 31-08-2026 and is due by 31-03-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 31-08. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-08-2025, that is 31-03-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-08-2025 | 31-03-2026 | 03-03-2026 | 28 d early | 2026-00049423 |
| 31-08-2024 | 31-03-2025 | 17-03-2025 | 14 d early | 2025-00050467 |
| 31-08-2023 | 31-03-2024 | 27-02-2024 | 33 d early | 2024-00036024 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Financials
Equity€51.91M+11.7%
Net result€5.45M-19.4%
Total assets€145.34M+0.7%
Solvency35.7%+3.5pp
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 03-03-2026 with the NBB · fiscal year 2025 · volledig
The figures below are the statutory (non-consolidated) annual accounts. This company also files consolidated accounts; the group figures can differ substantially.
No trend projection for this company: it files both statutory and consolidated annual accounts. The statutory figures above track the parent, and they jump when activities move inside the group, not when the business grows or shrinks. A trend through such a series measures a restructuring, not a business trajectory.
Sector comparison
Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (full schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 35.7% | 55.4% | |
| Net result | €5.45M | €65k | |
| Equity | €51.91M | €3.31M | |
| Staff costs | €498k | €345k | |
| Employees (FTE) | 2.8 | 3.6 |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P31
Stable position over 2023-2025
· n=216-678
P88
Improving position over 2023-2025
· n=216-677
P80
Stable position over 2023-2025
· n=216-678
P56
Improving position over 2023-2025
· n=55-164
Describes the position versus peers, not a forecast.
€5.45M
-19.4%
23-25
€145.34M
+0.7%
23-25
€51.91M
+11.7%
23-25
3
-20.0%
23-25
€498k
-9.3%
23-25
€746
-26.5%
23-25
€93.38M
-4.6%
23-25
€8.85M
-2.2%
23-25
€83.19M
-4.7%
23-25
35.7%
+11.0%
23-25
10.5%
-27.9%
23-25
3.8%
-19.9%
23-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | volledig |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €5.45M |
| Cash flow | n/a |
| Staff costs | €498k |
| Income taxes | €746 |
| Dividends | - |
| Total assets | €145.34M |
| Equity | €51.91M |
| Debt | €93.38M |
| of which ≤ 1y | €8.85M |
| of which > 1y | €83.19M |
| Working capital | n/a |
| Employees (FTE) | 2.8 |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 35.7% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 3.8% |
| ROE | 10.5% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €145.34M |
| Fixed assets | 21/28 | €143.23M |
| Formation expenses | 20 | €177k |
| Financial fixed assets | 28 | €143.23M |
| Current assets | 29/58 | €1.93M |
| Amounts receivable within one year | 40/41 | €1.36M |
| Cash & bank | 54/58 | €569k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €145.34M |
| Equity | 10/15 | €51.91M |
| Contributions / capital | 10/11 | €40.00M |
| Reserves | 13 | €11.91M |
| Provisions & deferred taxes | 16 | €48k |
| Amounts payable | 17/49 | €93.38M |
| Amounts payable after one year | 17 | €83.19M |
| Amounts payable within one year | 42/48 | €8.85M |
| Trade debts payable within one year | 44 | €132k |
| Income statement | ||
| Turnover | 70 | €5.19M |
| Operating result | 9901 | €3.32M |
| Financial income | 75 | €5.50M |
| Financial charges | 65 | €3.37M |
| Result before taxes | 9903 | €5.45M |
| Income taxes | 67/77 | €746 |
| Net result for the period | 9904 | €5.45M |
| Result to be appropriated | 9905 | €5.45M |
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2025 · computedModel not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Directors
Directors & mandates
1 directorFormer directors (1)
-
Former- → 07-04-2023
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van holdings(64210) |
| Legal form | Public limited company(014) |
| Incorporation | 09-12-2022 |
| Status | Active |
| Postal code | 9810 |
Structure & network
Connections & network
4 connected companiesGroup structure
We sit on their board · 2 locations
→
Network connections
Shared director
→
Shared director
→
Shared director
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Ownership & control
1 partySAJAMABE 0794.604.303
controls
Where this company holds controlthis company sits on their board1
2 locations
Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Venecoweg 149810 NazarethEstablishment units
1 locationSAJAMA
since 20222.341.450.633
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area3,560 m²
Buildings1
Building footprint6,644 m²
Volume (LiDAR)11,142 m³
Tallest building14.9 m
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44048A0132/00M005 | Flanders | 3,560 m² | 1 · 6,644 m² | 14.9 m |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
4 acts All acts · 4
updated 2 months ago
2026
15-05-2026 General meeting · Auditor mandate · Officer appointment · Act object
- Filing: 2026-05-06 · SAJAMA
- General meeting: 2026-02-05 · SAJAMA
- Auditor mandate: scope: enkelvoudige jaarrekening, duration: drie jaar, term_end: 2028-08-31, term_start: 2026-02-05, representative: Steven Meyvaert · SAJAMA
- Auditor mandate: scope: geconsolideerd jaarverslag, duration: drie jaar, term_end: 2028-08-31, term_start: 2026-02-05, representative: Steven Meyvaert · SAJAMA
- Officer appointment: role: Gedelegeerd bestuurder · DEBLOKO INVEST II BV
- Publication: 2026-05-15
- Act object: Herbenoeming commissaris
Summary:
General meeting · Auditor mandate · Officer appointment · Act object
2024
21-11-2024 Articles of association amended
Summary:
v3.2
22-02-2024 Herman Wielfaert resigns as director
2022
13-12-2022 Incorporation of a new SNC
Summary:
oprichting
Analysis
Snowflake analysis
financial profile on 5 axes76
/ 100
Strong profile, led by stability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
Health
-
Profitability
84
Solvency
45
Growth
83
Stability
94
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verdict per customer and amountSimilar
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Company registry
Company registry (CBE)
Crossroads BankActivities
Holdings64200Activiteiten van holdings64210
Primary activity highlighted.
Names & trade names
| Legal nameNL | SAJAMA |
Registered office
Venecoweg 14 bus A
9810 Nazareth, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.