SIJEMA
ActiveSIJEMA has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €80k and a net result of €51k. Equity is growing by ~38.1% per year across the filed fiscal years. Its solvency ranks better than 25% of 11615 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability93▼-3
Solvency52▲+5
Growth59▼-19
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 4.14 against 3.16 in 2023; short-term debt: 23.3% and cash: 3.2% of total assets), but 73.2% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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 dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
26.8%
Return on assets
17.1%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-10-2025, 74 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
74 d late
2023
28 d late
2022
101 d late
2021
24 d late
2020
12 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€166k▼ 6.8%
2022 · €178k
2022: €178k
2022 → 2024
EBIT margin
32.4%▲ 14.9pp
2022 · 17.5%
2022: 17.5%
2022 → 2024
Net result
€51k▼ 24.4%
2023 · €67k
2020: €15k
2021: €16k
2022: €26k
2023: €67k
2020 → 2024
Working capital
€218k▲ 11.9%
2023 · €195k
2020: €-2k
2021: €191k
2022: €184k
2023: €195k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€178k€166k
Equity€19k-€35k▲ 86.1%€42k▲ 17.1%€69k▲ 66.0%€80k▲ 15.9%
Operating result€21k-€25k▲ 20.4%€31k▲ 24.1%€68k▲ 118%€54k▼ 20.8%
Net result€15k-€16k▲ 8.9%€26k▲ 58.9%€67k▲ 159%€51k▼ 24.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 21% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €298k
Fixed assets
€10k▼ 53.8%
Current assets
€287k▲ 0.8%
Equity and liabilities €298k
Equity
€80k▲ 15.9%
Debt
€218k▼ 8.8%
The debt ratio falls from 77.6% to 73.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€66k▼
2023 · €80k
Cash flow
€63k▼
2023 · €80k
Solvency
26.8%▲
2023 · 22.4%
Current ratio
4.14▲
2023 · 3.16
Quick ratio
0.74▲
2023 · 0.54
Debt / equity
2.73▼
2023 · 3.46
ROE
63.8%▼
2023 · 97.8%
ROA
17.1%▼
2023 · 21.9%
Interest coverage
23.37▼
2023 · 157.29
Debt
€218k▼
2023 · €239k
Debt ≤ 1 year
€69k▼
2023 · €90k
Debt > 1 year
€148k=
2023 · €148k
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€308k€298k▼
Fixed assets21/28€23k€10k▼
Tangible fixed assets22/27€23k€10k▼
Furniture and vehicles24€23k€10k▼
Current assets29/58€285k€287k▲
Stocks and contracts in progress3€236k€236k=
Stocks30/36€236k€236k=
Amounts receivable within one year40/41€40k€41k▲
Trade receivables40€11k€2k▼
Other amounts receivable41€29k€39k▲
Cash at bank and in hand54/58€8k€9k▲
Deferred charges and accrued income490/1€604€604=
Equity and liabilities
Total equity and liabilities10/49€308k€298k▼
Equity10/15€69k€80k▲
Contributions10/11€4k€4k=
Outside capital11€4k€4k=
Other1109/19€4k€4k=
Profit (loss) carried forward14€65k€76k▲
Amounts payable17/49€239k€218k▼
Amounts payable after more than one year17€148k€148k=
Financial debts170/4€148k€148k=
Amounts payable within one year42/48€90k€69k▼
Current portion of amounts payable after more than one year42€26k€2k▼
Trade debts44€32k€39k▲
Suppliers440/4€32k€39k▲
Advances received on contracts in progress46€18k€18k=
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€4k€3k▼
Other amounts payable47/48€11k€7k▼
Income statement
Code20232024
Turnover70-€166k
Goods, raw materials, services and sundry goods60/61-€99k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k=
Other operating charges640/8€5k€5k▼
Gross operating margin9900€85k€71k▼
Operating profit (loss)9901€68k€54k▼
Financial charges65/66B€509€3k▲
Recurring financial charges65€509€3k▲
Profit (loss) for the period before taxes9903€67k€51k▼
Profit (loss) for the period9904€67k€51k▼
Profit (loss) for the period to be appropriated9905€67k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€105k€116k▲
Profit (loss) brought forward from the previous period14P€38k€65k▲
Profit to be distributed694/7€40k€40k=
Directors or managers695€40k€40k=
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
2025
13-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 74 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Highest result since 2020net €67k ▲159%
Operating result €68k, net result €67k, both a record.
09-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 101 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Liquidity quadruplescurrent ratio 3.59
Current ratio from 0.93 to 3.59.
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Charleroi · 1 establishment unit since 2020
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 de Bomerée 86B6032 CharleroiGround area
372 m²
Parcel 52352B0108/00D005, Wallonia. Linked by address, not a title deed.
1 establishment unit
SIJEMA
since 20202.308.895.849
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52352B0108/00D005 | Wallonia | 372 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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sh&zen
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Of 18,254 companies in sector 71111 we hold annual accounts for 6,321. 5,480 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-09-2020
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:stephaneravasi@gmail.com
Phone:+32495244079