SAJOBEL
ActiveSAJOBEL has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €301k and a net result of €534k. Equity is shrinking by ~31% per year across the filed fiscal years. Its solvency ranks better than 26% of 5989 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
75
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability98▲+1
Solvency47▼-1
Growth53=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity short (current ratio 0.93 against 0.8 in 2023; short-term debt: 72.9% and cash: 41.7% of total assets), and 78.4% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-07-2025, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
9 d early
2023
36 d early
2022
12 d early
2021
13 d early
2020
32 d early
2019
21 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
€4.24M▲ 6.1%
2023 · €4.00M
2018: €3.43M
2020: €2.61M
2021: €3.38M
2022: €3.70M
2023: €4.00M
2018 → 2024
EBIT margin
15.9%▲ 1.3pp
2023 · 14.6%
2018: 15.3%
2020: 13.2%
2021: 13.3%
2022: 14.0%
2023: 14.6%
2018 → 2024
Net result
€534k▲ 17.6%
2023 · €454k
2018: €404k
2020: €281k
2021: €371k
2022: €414k
2023: €454k
2018 → 2024
Working capital
€-74k▲ 60.0%
2023 · €-186k
2018: €1.77M
2020: €649k
2021: €111k
2022: €-344k
2023: €-186k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€2.61M-€3.38M▲ 29.4%€3.70M▲ 9.4%€4.00M▲ 8.0%€4.24M▲ 6.1%
Equity€718k-€889k▲ 23.8%€303k▼ 65.9%€307k▲ 1.4%€301k▼ 1.8%
Operating result€345k-€449k▲ 30.2%€518k▲ 15.2%€584k▲ 12.8%€674k▲ 15.5%
Net result€281k-€371k▲ 31.9%€414k▲ 11.8%€454k▲ 9.7%€534k▲ 17.6%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 15% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.39M
Fixed assets
€451k▼ 20.7%
Current assets
€941k▲ 22.9%
Equity and liabilities €1.39M
Equity
€301k▼ 1.8%
Provisions
€75k▲ 16.5%
Debt
€1.02M▲ 5.4%
The debt ratio rises from 72.1% to 72.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€792k▲
2023 · €719k
Cash flow
€653k▲
2023 · €590k
Solvency
21.6%▼
2023 · 23.0%
Current ratio
0.93▲
2023 · 0.80
Quick ratio
0.64▲
2023 · 0.49
Debt / equity
3.37▲
2023 · 3.14
ROE
177.3%▲
2023 · 148.0%
ROA
38.4%▲
2023 · 34.0%
Interest coverage
149.15▲
2023 · 42.89
Debt
€1.02M▲
2023 · €963k
Debt ≤ 1 year
€1.02M▲
2023 · €952k
Income taxes
€177k▲
2023 · €152k
Staff costs
€462k▲
2023 · €440k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.34M€1.39M▲
Fixed assets21/28€570k€451k▼
Tangible fixed assets22/27€569k€451k▼
Plant, machinery and equipment23€558k€446k▼
Furniture and vehicles24€11k€5k▼
Financial fixed assets28€110€110=
Current assets29/58€766k€941k▲
Stocks and contracts in progress3€296k€295k▼
Stocks30/36€296k€295k▼
Amounts receivable within one year40/41€92k€60k▼
Trade receivables40€92k€59k▼
Other amounts receivable41€0€2k▲
Cash at bank and in hand54/58€371k€580k▲
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€1.34M€1.39M▲
Equity10/15€307k€301k▼
Contributions10/11€75k€75k=
Capital10€75k€75k=
Issued capital100€75k€75k=
Reserves13€218k€218k=
Non-distributable reserves130/1€8k€8k=
Legal reserve130€8k€8k=
Tax-exempt reserves132€126k€126k=
Distributable reserves133€85k€85k=
Profit (loss) carried forward14€14k€8k▼
Investment grants15€0-
Provisions and deferred taxes16€65k€75k▲
Provisions for liabilities and charges160/5€65k€75k▲
Environmental obligations163-€63k
Other liabilities and charges164/5€65k€13k▼
Amounts payable17/49€963k€1.02M▲
Amounts payable within one year42/48€952k€1.02M▲
Trade debts44€240k€194k▼
Suppliers440/4€240k€194k▼
Advances received on contracts in progress46€82k€87k▲
Taxes, remuneration and social security45€178k€194k▲
Taxes450/3€125k€139k▲
Remuneration and social security454/9€54k€55k▲
Other amounts payable47/48€451k€540k▲
Accrued charges and deferred income492/3€12k€29▼
Income statement
Code20232024
Turnover70€4.00M€4.24M▲
Goods, raw materials, services and sundry goods60/61€2.83M€3.00M▲
Remuneration, social security and pensions62€440k€462k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€135k€118k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-3k€-452▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€6k€-2k▼
Other operating charges640/8€22k€22k=
Gross operating margin9900€1.19M€1.27M▲
Operating profit (loss)9901€584k€674k▲
Financial income75/76B€40k€43k▲
Recurring financial income75€40k€43k▲
Financial charges65/66B€17k€5k▼
Recurring financial charges65€17k€5k▼
Profit (loss) for the period before taxes9903€607k€711k▲
Income taxes67/77€152k€177k▲
Profit (loss) for the period9904€454k€534k▲
Profit (loss) for the period to be appropriated9905€454k€534k▲
Appropriation of the result
Profit (loss) to be appropriated9906€464k€548k▲
Profit (loss) brought forward from the previous period14P€9k€14k▲
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€450k€540k▲
Return on contributions (dividend)694€450k€540k▲
Social balance
Average headcount (FTE)908713.613.2▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €534k ▲17.6%
Operating result €674k, net result €534k, both a record.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €281k ▼30.5%
Net result drops to €281k, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 21 days late
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
01-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Thimister-Clermont · 1 establishment unit since 2007
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 des Waides 104890 Thimister-ClermontGround area
1.2 ha
Building footprint
3,359 m²
Volume, LiDAR
24,800 m³
2 parcels, Wallonia · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Espace Mode
since 20072.167.856.067
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63077C0487/00D000 | Wallonia | 9,997 m² | 1 · 2,631 m² | 7.4 m · 2 fl. |
| 64065C0187/00C004 | Wallonia | 2,341 m² | 1 · 727 m² | 13.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 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
Tricots de Bruxelles
BE 0400.545.761
Anderlecht · Eq €300k
IMMAGINE
BE 0446.140.612
Leuven · Eq €298k
CARPENITO
BE 0471.528.975
Sint-Pieters-Woluwe · Eq €297k
Atextico
BE 0401.063.920
Gent · Eq €306k
DON
BE 0545.835.826
Lokeren · Eq €307k
Of 1,312 companies in sector 46423 we hold annual accounts for 813. 558 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded03-12-2007
Fiscal year end31-12
Activities, NACEBEL
46423Wholesale of clothing, excluding workwear and underwear
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
51421
52421
46425Wholesale trade
47715Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.