Equity
-€36,950
Debts exceed assets in financial year 2025.
SJ
Lifetime
11 annual accounts with figures on one time axispeak €71,205 (2021)
€15,096▼ 46.4%
lowest -€22,993 (2025)
-€22,993▼ €12,782
peak €3,575 (2021)
-€36,950▼ €22,993
€48,425▲ 29.7%
peak 1.3 FTE (2020)
-not published
Board6 names since 2017
1 director
Documentsfilings and deeds
25-06-202636 days before the deadline
2025micro format
Gross margin from €28,174 to €15,096Loss of €22,993Equity from -€13,957 to -€36,950Debts from €37,346 to €48,425Cash from €12,486 to €3,155
Key points
from the 2025 annual accountsLosses
-€40,524 in four years
Every financial year from 2022 to 2025 closed with a loss. 2025 was the heaviest.
Debts
€48,425 422% of the balance sheet
Suppliers 24%Taxes and wages 38%Other 38%
Of this, €38,905 falls due within a year.
Liquidity
0.19 was 0.62 in 2024
Short-term debts rose from €29,819 to €38,905.
Filings
11 annual accounts since 2015
Four of the last ten came late. The 2019 accounts came latest: 39 days after the end of the period.
Position in the sector
-322.0%
Lower solvency than 95% of companies in food and beverage service. Sector median 29.6% · 18,550 companies.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 6,920 companies had the same profile as SJ has now. Each dot stands for 18 companies, two years later.
85.3%
were still trading
8.3%
stopped another way
5.8%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,762 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,920 companies, not a prediction for SJ. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Recent changes
Resignation: (day-to-day manager)
General meeting of 30-10-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0544618772
Resignation: (director)
Reappointment: (managing director) · General meeting of 05-05-2023 · Gazette deed
1 manager resigning
Changes of role: (director) and (director) · Resignation: (manager) · Director discharge: · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SJ Mons | €11,475 | €15,096 | -322.0% | - |
| Prashu Leuven | €10,745 | €12,242 | -462.2% | - |
| CUM QUIBUS Binche | €13,002 | €16,535 | 62.7% | - |
| SPRL LES BALKANS STARTER Quaregnon | €11,355 | €21,639 | 17.6% | - |
| CUISINE METISSEE Liège | €11,581 | €17,070 | -447.1% | - |
| SL VINS Namur | €9,589 | €13,893 | 82.8% | - |
| TINGLUAN Ixelles | €11,683 | €11,165 | -10.4% | - |
These companies have the same main activity as SJ: full-service restaurants (NACE 56111). They are comparable in size and age: total assets between €9,590 and €13,000, founded between 2010 and 2016.
Official details
Source: KBO- Status
- Active since 22-01-2014Normal situation
- Activity
- Full-service restaurantsNACE 56111
- Establishment unit
- 2.227.133.0647000 Mons, since 21-01-2014
- Financial year end
- 31 December
- Peppol
- Reachable since 23-12-2025
Annual accounts 2025
- ≈ €160,000estimated
- €11,475▼ 50.9%
- Employeeson 31-12-2025
- 1
- Filing
- Filed on 25-06-2026, 36 days before the end of the filing period
Insights on SJ
SJ files the micro format. That format states no turnover. The gross margin rose from €1,028 in 2015 to €15,096 in 2025.
In 2024, three directors stepped down. In November 2024, the Official Gazette published the appointment of as managing director.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SJ
- What is the company number of SJ?
- The company number of SJ is 0544.618.772. The VAT number is the same number with BE in front: BE 0544.618.772.
- Where is SJ based?
- The registered office is at Rue de la Coupe 15, 7000 Mons.Company details
- What does SJ do?
- According to the KBO register, the main activity is full-service restaurants (NACE 56111).
- What is the legal form of SJ?
- SJ is a private limited company (BV).
- When was SJ founded?
- SJ was founded on 22-01-2014.
- Is SJ still active?
- Yes, SJ is an active enterprise in the KBO register.
- How many employees does SJ have?
- SJ had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of SJ?
- The turnover in financial year 2025 is ≈ €160,000. This figure is estimated from the gross margin of €15,096 and 99 comparable companies (NACE 56111). It probably lies between €80,000 and €330,000. It is a rough estimate. In financial year 2019 turnover was €134,518.
- Is SJ profitable?
- In financial year 2025, SJ made a loss of €22,993.
- Where can I find the annual accounts of SJ?
- SJ filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SJ due?
- SJ must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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