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SAJU

Active
Private limited companyfounded 20224 yrs activeAlsembergsesteenweg 1108, 1180 Ukkel, BelgiumKBO/BCE: BE 0785.280.227
Summary

The computed 12-month bankruptcy probability of SAJU is 2.1% (moderate). The 2025 annual accounts show equity of €91,728 and a net result of €41,986. Equity is growing by ~95.4% per year across the filed fiscal years. Its solvency ranks better than 69% of 7114 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability100▲+1
Solvency98▲+10
Growth78=
Track record94
Bankruptcy probability, 12 months
2.1% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 3.57 against 2.63 in 2024; short-term debt: 26.8% and cash: 13.4% of total assets), and 26.8% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 4 years 0 10 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
73.2%
Return on assets
33.5%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 11-12-2025, 140 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
140 d early
2024
100 d early
2023
83 d early
2022
7 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 83 days before the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 29 January (3 of the last 4 filed years within 49 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close30-09-2026 today30-04-2027 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

History

SAJU was incorporated on 21 April 2022 as a Private limited company.1 Total assets rose from EUR 20,420 in 2022 to EUR 125,255 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€91,728▲ 84.4%
2024 · €49,742
Total assets
€125,255▲ 59.7%
2024 · €78,431
Net result
€41,986▲ 123%
2024 · €18,813
Working capital
€86,036▲ 83.7%
2024 · €46,826
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 73, Advertising, market research and public relations activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the fiscal year before
favourable unfavourable
Line2022202320242025
Operating result€11,926-€48,532▲ 307%€31,363▼ 35.4%€55,451▲ 76.8%
Net result€9,340within the sector's middle half-€38,589within the sector's middle half▲ 313%€18,813within the sector's middle half▼ 51.2%€41,986within the sector's middle half▲ 123%
Equity€10,340below the sector's middle half-€48,929within the sector's middle half▲ 373%€49,742within the sector's middle half▲ 1.7%€91,728within the sector's middle half▲ 84.4%
Total assets€20,420below the sector's middle half-€73,658within the sector's middle half▲ 261%€78,431within the sector's middle half▲ 6.5%€125,255within the sector's middle half▲ 59.7%
Debt€10,080-€24,729▲ 145%€28,690▲ 16.0%€33,527▲ 16.9%
Working capital€8,854within the sector's middle half-€46,418within the sector's middle half▲ 424%€46,826within the sector's middle half▲ 0.9%€86,036within the sector's middle half▲ 83.7%
Solvency50.6%within the sector's middle half-66.4%within the sector's middle half▲ 15.8pp63.4%within the sector's middle half▼ 3.0pp73.2%within the sector's middle half▲ 9.8pp
Current ratio1.88within the sector's middle half-2.88within the sector's middle half▲ 1.002.63within the sector's middle half▼ 0.243.57within the sector's middle half▲ 0.93
Return on assets (ROA)45.7%above the sector's middle half-52.4%above the sector's middle half▲ 6.7pp24.0%within the sector's middle half▼ 28.4pp33.5%above the sector's middle half▲ 9.5pp
above within below the middle half (P25 to P75) of NACE 73, Advertising, market research and public relations activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€20,000€40,000€60,000Operating result 2022: €11,926€11,926Net result 2022: €9,340€9,340Operating result 2023: €48,532€48,532Net result 2023: €38,589€38,589Operating result 2024: €31,363€31,363Net result 2024: €18,813€18,813Operating result 2025: €55,451€55,451Net result 2025: €41,986€41,9862022202320242025€0€20,000€40,000€60,000Operating result 2023: €48,532€48,500Net result 2023: €38,589€38,600Operating result 2024: €31,363€31,400Net result 2024: €18,813€18,800Operating result 2025: €55,451€55,500Net result 2025: €41,986€42,000202320242025
The operating result recovers in 2025; 2025 is 77% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €125,255
Fixed assets €5,691 ▲ 95.2%
Current assets €119,564 ▲ 58.3%
Equity and liabilities €125,255
Equity €91,728 ▲ 84.4%
Debt €33,527 ▲ 16.9%
Debt's share of the balance-sheet total falls from 36.6% to 26.8%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€56,676▲
2024 · €33,097
Cash flow
€43,211▲
2024 · €20,546
Debt to equity
0.37▼
2024 · 0.58
ROE
45.8%▲
2024 · 37.8%
Interest coverage
18.83▼
2024 · 20.51
Debt ≤ 1 year
€33,527▲
2024 · €28,690
Income taxes
€14,602▲
2024 · €12,663
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.8% went bankrupt
2.3% stopped otherwise
96% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 2.1% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 37 lines
Balance sheet Code20242025
Assets
Total assets20/58€78,431€125,255▲
Fixed assets21/28€2,916€5,691▲
Tangible fixed assets22/27€2,916€5,691▲
Furniture and vehicles24€2,916€1,691▼
Other tangible fixed assets26-€4,000
Current assets29/58€75,516€119,564▲
Amounts receivable within one year40/41€52,337€102,021▲
Trade receivables40€13,755€11,988▼
Other amounts receivable41€38,582€90,034▲
Cash at bank and in hand54/58€22,756€16,792▼
Deferred charges and accrued income490/1€422€750▲
Equity and liabilities
Total equity and liabilities10/49€78,431€125,255▲
Equity10/15€49,742€91,728▲
Contributions10/11€1,000€1,000=
Profit (loss) carried forward14€48,742€90,728▲
Amounts payable17/49€28,690€33,527▲
Amounts payable within one year42/48€28,690€33,527▲
Trade debts44€4,454€6,207▲
Suppliers440/4€4,454€6,207▲
Taxes, remuneration and social security45€24,236€27,320▲
Taxes450/3€24,236€27,320▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,734€1,224▼
Other operating charges640/8€517-
Gross operating margin9900€33,614€56,676▲
Operating profit (loss)9901€31,363€55,451▲
Financial income75/76B€1,726€4,147▲
Recurring financial income75€1,726€4,147▲
Financial charges65/66B€1,614€3,010▲
Recurring financial charges65€1,614€3,010▲
Profit (loss) for the period before taxes9903€31,475€56,588▲
Income taxes67/77€12,663€14,602▲
Profit (loss) for the period9904€18,813€41,986▲
Profit (loss) for the period to be appropriated9905€18,813€41,986▲
Appropriation of the result
Profit (loss) to be appropriated9906€66,742€90,728▲
Profit (loss) brought forward from the previous period14P€47,929€48,742▲
Profit to be distributed694/7€18,000-
Return on contributions (dividend)694€18,000-

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42€509€1,734€1,224▼ 29.4%
Other operating charges640/8--€517--
Gross operating margin9900€11,968€49,042€33,614€56,676▲ 68.6%
Operating profit (loss)9901€11,926€48,532€31,363€55,451▲ 76.8%
Financial income75/76B-€1,043€1,726€4,147▲ 140%
Recurring financial income75-€1,043€1,726€4,147▲ 140%
Financial charges65/66B-€8€1,614€3,010▲ 86.5%
Recurring financial charges65-€8€1,614€3,010▲ 86.5%
Profit (loss) for the period before taxes9903€11,926€49,567€31,475€56,588▲ 79.8%
Income taxes67/77€2,586€10,978€12,663€14,602▲ 15.3%
Profit (loss) for the period9904€9,340€38,589€18,813€41,986▲ 123%
Profit (loss) for the period to be appropriated9905€9,340€38,589€18,813€41,986▲ 123%
Line2022202320242025Change
Assets
Total assets20/58€20,420€73,658€78,431€125,255▲ 59.7%
Fixed assets21/28€1,486€2,511€2,916€5,691▲ 95.2%
Tangible fixed assets22/27€1,486€2,511€2,916€5,691▲ 95.2%
Furniture and vehicles24€1,486€2,511€2,916€1,691▼ 42.0%
Other tangible fixed assets26---€4,000-
Current assets29/58€18,934€71,147€75,516€119,564▲ 58.3%
Amounts receivable within one year40/41€11,616€29,908€52,337€102,021▲ 94.9%
Trade receivables40€11,616€15,881€13,755€11,988▼ 12.8%
Other amounts receivable41-€14,027€38,582€90,034▲ 133%
Cash at bank and in hand54/58€6,735€41,239€22,756€16,792▼ 26.2%
Deferred charges and accrued income490/1€583-€422€750▲ 77.8%
Equity and liabilities
Total equity and liabilities10/49€20,420€73,658€78,431€125,255▲ 59.7%
Equity10/15€10,340€48,929€49,742€91,728▲ 84.4%
Contributions10/11€1,000€1,000€1,000€1,000=
Profit (loss) carried forward14€9,340€47,929€48,742€90,728▲ 86.1%
Amounts payable17/49€10,080€24,729€28,690€33,527▲ 16.9%
Amounts payable within one year42/48€10,080€24,729€28,690€33,527▲ 16.9%
Trade debts44€1,713€3,138€4,454€6,207▲ 39.4%
Suppliers440/4€1,713€3,138€4,454€6,207▲ 39.4%
Taxes, remuneration and social security45€6,279€21,591€24,236€27,320▲ 12.7%
Taxes450/3€6,279€21,591€24,236€27,320▲ 12.7%
Other amounts payable47/48€2,088----
Line2022202320242025Change
Profit (loss) for the period9904€9,340€38,589€18,813€41,986▲ 123%
+ Depreciation and write-downs630€42€509€1,734€1,224▼ 29.4%
Operating cash flow (approximation)€9,382€39,099€20,546€43,211▲ 110%
Investment in fixed assets (approximation)--€1,535-€2,139-€4,000▼ 87.0%
Change in cash-€34,504-€18,483-€5,964▲ 67.7%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 30-04-2027
2025
11-12
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
30-09
Financial Highest result since 2022net €41,986 ▲123%
Operating result €55,451, net result €41,986, both a record.
20-01
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
07-02
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
23-04
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Ukkel · 1 establishment unit since 2022
seat establishment The establishment unit on the map
Ground area
7,496 m²
Building footprint
1,273 m²
Volume, LiDAR
18,429 m³
Parcel 21614F0036/00M000, Brussels · tallest building 19.0 m, ±5 floors. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
SAJU
Alsembergsesteenweg 1108, 1180 UkkelWholesale trade
since 20222.330.447.170
1 parcel
Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21614F0036/00M000 Brussels 7,496 m² 1 · 1,273 m² 19.0 m · 5 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Recognitions · licences · registrations

Food safety, FASFC

1 site
Ukkel2.330.447.170
1 permission
Toelating · Ambulante eetgelegenheid · since 16-06-2026

Similar companies · same sector, comparable size

Of 13,405 companies in sector 73300 we hold annual accounts for 6,904. 5,631 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded21-04-2022
Fiscal year end30-09
Activities, NACEBEL 2025
73300Public relations and communication consultancy
70200Business and other management consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:0785280227
Registered 27-03-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.