SJ
ActiveSummary
The computed 12-month bankruptcy probability of SJ is 3.8% (moderate). The 2024 annual accounts show negative equity (-€13,957) and a net result of -€10,211. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 18934 sector peers (fiscal year 2024). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability0=
Solvency0▼-10
Growth49=
Track record100
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.62 against 0.6 in 2023; short-term debt: 127.5% and cash: 53.4% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
-59.7%
Return on assets
-43.7%
Age of the figures
21 mo
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 · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year -€13,957
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 25-06-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
on the day
2023
12 d late
2022
4 d late
2021
11 d late
2020
25 d early
2019
39 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 1 day after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 4 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Turnover
€134,518▲ 2.3%
2018 · €131,454
EBIT margin
2.5%▲ 1.7pp
2018 · 0.8%
Net result
-€10,211▼ 127%
2023 · -€4,501
Working capital
-€11,428▼ 2.8%
2023 · -€11,119
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover
Operating result-€2,211€26,475-€76-€3,418▼ 4,392%-€9,164▼ 168%
Net result-€2,909within the sector's middle half▼ 152%€23,414within the sector's middle half-€2,820within the sector's middle half-€4,501within the sector's middle half▼ 59.6%-€10,211below the sector's middle half▼ 127%
EBIT margin
Equity-€19,840below the sector's middle half▼ 17.2%€3,575within the sector's middle half€755within the sector's middle half▼ 78.9%-€3,746within the sector's middle half-€13,957below the sector's middle half▼ 273%
Total assets€12,490below the sector's middle half▲ 57.4%€45,924within the sector's middle half▲ 268%€28,576below the sector's middle half▼ 37.8%€24,249below the sector's middle half▼ 15.1%€23,389below the sector's middle half▼ 3.5%
Debt€32,329▲ 30.0%€42,350▲ 31.0%€27,821▼ 34.3%€27,995▲ 0.6%€37,346▲ 33.4%
Working capital-€20,820within the sector's middle half▼ 14.3%€3,400within the sector's middle half-€3,980within the sector's middle half-€11,119within the sector's middle half▼ 179%-€11,428within the sector's middle half▼ 2.8%
Solvency-158.9%below the sector's middle half▲ 54.5pp7.8%within the sector's middle half▲ 166.6pp2.6%within the sector's middle half▼ 5.1pp-15.4%below the sector's middle half▼ 18.1pp-59.7%below the sector's middle half▼ 44.2pp
Current ratio0.24below the sector's middle half▲ 0.031.09within the sector's middle half▲ 0.850.82within the sector's middle half▼ 0.270.60within the sector's middle half▼ 0.220.62within the sector's middle half▲ 0.01
Return on assets (ROA)-23.3%below the sector's middle half▼ 8.7pp51.0%above the sector's middle half▲ 74.3pp-9.9%within the sector's middle half▼ 60.9pp-18.6%below the sector's middle half▼ 8.7pp-43.7%below the sector's middle half▼ 25.1pp
Staff (FTE)1.3within the sector's middle half▲ 8.3%1.6▲ 23.1%2.2▲ 37.5%
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service 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
The operating result stays negative: a loss of €9,164 in 2024 against €3,418 in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €23,389
Fixed assets
€4,999 ▼ 32.2%
Current assets
€18,391 ▲ 9.0%
Key figures and ratios
EBITDA
-€6,790▼
2023 · €21
Cash flow
-€7,837▼
2023 · -€1,062
Quick ratio
0.56▲
2023 · 0.53
Debt to equity
-2.68▲
2023 · -7.47
Interest coverage
-4.37▼
2023 · 0.01
Debt ≤ 1 year
€29,819▲
2023 · €27,995
Staff costs
€32,779▲
2023 · €26,973
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,906 companies that looked in July 2024 the way this one looks now, 5.8% went bankrupt within 24 months and 85% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a loss of 10% of the balance sheet or more
5.8%
went bankrupt
8.1%
stopped otherwise
85%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 3.8% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.9% |
| 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 6,906 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
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €39,211 | €17,857 | €26,973 | €32,779 | ▲ 21.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,649 | €1,973 | €2,398 | €3,439 | €2,374 | ▼ 31.0% |
| Other operating charges640/8 | - | €3,547 | €10,251 | €3,716 | €2,184 | ▼ 41.2% |
| Gross operating margin9900 | €27,776 | €71,205 | €30,430 | €30,709 | €28,174 | ▼ 8.3% |
| Operating profit (loss)9901 | -€2,211 | €26,475 | -€76 | -€3,418 | -€9,164 | ▼ 168% |
| Financial income75/76B | - | €241 | €736 | €573 | €508 | ▼ 11.4% |
| Recurring financial income75 | €32 | €241 | €736 | €573 | €508 | ▼ 11.4% |
| Financial charges65/66B | - | €1,616 | €1,916 | €1,656 | €1,555 | ▼ 6.1% |
| Recurring financial charges65 | €730 | €1,616 | €1,916 | €1,656 | €1,555 | ▼ 6.1% |
| Profit (loss) for the period before taxes9903 | -€2,909 | €25,100 | -€1,256 | -€4,501 | -€10,211 | ▼ 127% |
| Income taxes67/77 | - | €1,686 | €1,563 | - | - | - |
| Profit (loss) for the period9904 | -€2,909 | €23,414 | -€2,820 | -€4,501 | -€10,211 | ▼ 127% |
| Profit (loss) for the period to be appropriated9905 | -€2,909 | €23,414 | -€2,820 | -€4,501 | -€10,211 | ▼ 127% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €12,490 | €45,924 | €28,576 | €24,249 | €23,389 | ▼ 3.5% |
| Fixed assets21/28 | €5,856 | €5,050 | €9,902 | €7,373 | €4,999 | ▼ 32.2% |
| Tangible fixed assets22/27 | €5,721 | €4,915 | €9,767 | €7,238 | €4,864 | ▼ 32.8% |
| Plant, machinery and equipment23 | - | €935 | €7,622 | €5,456 | €3,289 | ▼ 39.7% |
| Furniture and vehicles24 | - | €1,610 | €496 | - | - | - |
| Other tangible fixed assets26 | - | €2,370 | €1,649 | €1,782 | €1,575 | ▼ 11.6% |
| Financial fixed assets28 | €135 | €135 | €135 | €135 | €135 | = |
| Current assets29/58 | €6,634 | €40,875 | €18,674 | €16,876 | €18,391 | ▲ 9.0% |
| Stocks and contracts in progress3 | - | €947 | €1,916 | €1,916 | €1,771 | ▼ 7.5% |
| Stocks30/36 | - | €947 | €1,916 | €1,916 | €1,771 | ▼ 7.5% |
| Amounts receivable within one year40/41 | €118 | €6,946 | €11,539 | €8,577 | €2,622 | ▼ 69.4% |
| Other amounts receivable41 | - | €6,946 | €11,539 | €8,577 | €2,622 | ▼ 69.4% |
| Cash at bank and in hand54/58 | €5,458 | €32,305 | €4,028 | €5,324 | €12,486 | ▲ 135% |
| Deferred charges and accrued income490/1 | - | €677 | €1,192 | €1,060 | €1,511 | ▲ 42.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €12,490 | €45,924 | €28,576 | €24,249 | €23,389 | ▼ 3.5% |
| Equity10/15 | -€19,840 | €3,575 | €755 | -€3,746 | -€13,957 | ▼ 273% |
| Contributions10/11 | - | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €942 | €942 | €942 | €942 | €942 | = |
| Distributable reserves133 | - | €942 | €942 | €942 | €942 | = |
| Profit (loss) carried forward14 | -€33,182 | -€9,768 | -€12,587 | -€17,088 | -€27,299 | ▼ 59.8% |
| Amounts payable17/49 | €32,329 | €42,350 | €27,821 | €27,995 | €37,346 | ▲ 33.4% |
| Amounts payable within one year42/48 | €27,454 | €37,475 | €22,654 | €27,995 | €29,819 | ▲ 6.5% |
| Trade debts44 | €9,640 | €12,702 | €1,264 | €3,495 | €1,249 | ▼ 64.3% |
| Suppliers440/4 | - | €12,702 | €1,264 | €3,495 | €1,249 | ▼ 64.3% |
| Taxes, remuneration and social security45 | - | €12,136 | €18,183 | €16,006 | €25,226 | ▲ 57.6% |
| Taxes450/3 | - | €6,257 | €10,388 | €14,227 | €15,196 | ▲ 6.8% |
| Remuneration and social security454/9 | - | €5,879 | €7,795 | €1,780 | €10,029 | ▲ 464% |
| Other amounts payable47/48 | - | €12,636 | €3,208 | €8,493 | €3,344 | ▼ 60.6% |
| Accrued charges and deferred income492/3 | - | €4,875 | €5,166 | - | €7,527 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,909 | €23,414 | -€2,820 | -€4,501 | -€10,211 | ▼ 127% |
| + Depreciation and write-downs630 | €1,649 | €1,973 | €2,398 | €3,439 | €2,374 | ▼ 31.0% |
| Operating cash flow (approximation) | -€1,259 | €25,387 | -€422 | -€1,062 | -€7,837 | ▼ 638% |
| Investment in fixed assets (approximation) | - | -€1,167 | -€7,250 | -€910 | €0 | ▲ 100% |
| Change in cash | - | €26,846 | -€28,277 | €1,296 | €7,162 | ▲ 453% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€10,211
Net result drops to -€10,211, the lowest in the series.
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
2021
31-12
Financial
Back to profitnet €23,414
Net result €23,414 after 2 loss-making years.
31-12
Financial
Liquidity times 5current ratio 1.09
Current ratio from 0.24 to 1.09.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 39 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
15-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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, Mons · 1 establishment unit since 2014
Ground area
109 m²
Building footprint
57 m²
Volume, LiDAR
798 m³
Parcel 53053H0051/00A000, Wallonia · tallest building 14.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Le Touareg
since 20142.227.133.064
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53053H0051/00A000 | Wallonia | 109 m² | 1 · 57 m² | 14.5 m · 4 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 siteMons2.227.133.064
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Of 20,509 companies in sector 56111 we hold annual accounts for 11,464. 1,257 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
Founded22-01-2014
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0544618772
Also
9925:BE0544618772
Registered
23-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.