SJ SERVICES
ActiveSummary
The computed 12-month bankruptcy probability of SJ SERVICES is 6.3% (elevated). The 2025 annual accounts show negative equity (-€36,169) and a net result of -€26,805. Equity is shrinking by ~184.7% per year across the filed fiscal years. Its solvency ranks better than 5% of 28281 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
Profitability0=
Solvency0=
Growth32=
Track record94
Bankruptcy probability, 12 months
6.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
+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 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 2025Age of the figures
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year -€36,169
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 · 3 filingsDeviation from the deadline
2025
21 d late
2024
29 d late
2023
30 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 27 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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 29 August (3 of the last 3 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
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Financials · fiscal year 2025, micro schema
Equity
-€36,169▼ 286%
2024 · -€9,364
Total assets
€1,687▼ 92.8%
2024 · €23,296
Net result
-€26,805▼ 244%
2024 · -€7,795
Working capital
-€31,235▼ 148%
2024 · -€12,609
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction 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
Line202320242025
Operating result-€721--€6,593▼ 815%-€25,803▼ 291%
Net result-€4,070below the sector's middle half--€7,795below the sector's middle half▼ 91.5%-€26,805below the sector's middle half▼ 244%
Equity-€1,570below the sector's middle half--€9,364below the sector's middle half▼ 497%-€36,169below the sector's middle half▼ 286%
Total assets€38,169below the sector's middle half-€23,296below the sector's middle half▼ 39.0%€1,687below the sector's middle half▼ 92.8%
Debt€39,738-€32,660▼ 17.8%€37,856▲ 15.9%
Working capital€5,751within the sector's middle half--€12,609below the sector's middle half-€31,235below the sector's middle half▼ 148%
Solvency-4.1%below the sector's middle half--40.2%below the sector's middle half▼ 36.1pp
Current ratio1.33within the sector's middle half-0.32below the sector's middle half▼ 1.01
Return on assets (ROA)-10.7%below the sector's middle half--33.5%below the sector's middle half▼ 22.8pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction 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 €25,803 in 2025 against €6,593 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1,687
Fixed assets
€836 ▼ 95.2%
Current assets
€851 ▼ 85.5%
Key figures and ratios
EBITDA
-€24,530▼
2024 · -€2,080
Cash flow
-€25,532▼
2024 · -€3,282
Interest coverage
-24.47▼
2024 · -1.73
Debt ≤ 1 year
€32,086▲
2024 · €18,498
Debt > 1 year
€5,770▼
2024 · €14,162
Ratios withheld: a balance sheet total of €1,687 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 7,638 companies that looked in July 2024 the way this one looks now, 8.9% went bankrupt within 24 months and 85% are still going.
- Micro
- 2 to 5 years old
- negative equity
- a loss of 10% of the balance sheet or more
8.9%
went bankrupt
5.6%
stopped otherwise
85%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 6.3% 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 7,638 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 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €218 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,653 | €4,513 | €1,273 | ▼ 71.8% |
| Other operating charges640/8 | €1,209 | €471 | €1,180 | ▲ 151% |
| Non-recurring operating charges66A | - | - | €8,067 | - |
| Gross operating margin9900 | €8,359 | -€1,610 | -€15,283 | ▼ 850% |
| Operating profit (loss)9901 | -€721 | -€6,593 | -€25,803 | ▼ 291% |
| Financial income75/76B | €18 | - | - | - |
| Recurring financial income75 | €18 | - | - | - |
| Financial charges65/66B | €2,989 | €1,201 | €1,002 | ▼ 16.6% |
| Recurring financial charges65 | €2,989 | €1,201 | €1,002 | ▼ 16.6% |
| Profit (loss) for the period before taxes9903 | -€3,692 | -€7,795 | -€26,805 | ▼ 244% |
| Income taxes67/77 | €378 | - | - | - |
| Profit (loss) for the period9904 | -€4,070 | -€7,795 | -€26,805 | ▼ 244% |
| Profit (loss) for the period to be appropriated9905 | -€4,070 | -€7,795 | -€26,805 | ▼ 244% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €38,169 | €23,296 | €1,687 | ▼ 92.8% |
| Fixed assets21/28 | €14,930 | €17,407 | €836 | ▼ 95.2% |
| Tangible fixed assets22/27 | €14,870 | €17,347 | €776 | ▼ 95.5% |
| Furniture and vehicles24 | €14,870 | €17,347 | €776 | ▼ 95.5% |
| Financial fixed assets28 | €60 | €60 | €60 | = |
| Current assets29/58 | €23,239 | €5,889 | €851 | ▼ 85.5% |
| Amounts receivable within one year40/41 | €17,841 | €984 | €842 | ▼ 14.4% |
| Trade receivables40 | €17,234 | €376 | €378 | ▲ 0.5% |
| Other amounts receivable41 | €607 | €607 | €464 | ▼ 23.6% |
| Cash at bank and in hand54/58 | €5,398 | €4,906 | €9 | ▼ 99.8% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €38,169 | €23,296 | €1,687 | ▼ 92.8% |
| Equity10/15 | -€1,570 | -€9,364 | -€36,169 | ▼ 286% |
| Contributions10/11 | €2,500 | €2,500 | €2,500 | = |
| Profit (loss) carried forward14 | -€4,070 | -€11,864 | -€38,669 | ▼ 226% |
| Amounts payable17/49 | €39,738 | €32,660 | €37,856 | ▲ 15.9% |
| Amounts payable after more than one year17 | €22,250 | €14,162 | €5,770 | ▼ 59.3% |
| Financial debts170/4 | €22,250 | €14,162 | €5,770 | ▼ 59.3% |
| Amounts payable within one year42/48 | €17,488 | €18,498 | €32,086 | ▲ 73.5% |
| Current portion of amounts payable after more than one year42 | €7,795 | €8,088 | €8,392 | ▲ 3.8% |
| Financial debts43 | - | - | €2,993 | - |
| Credit institutions430/8 | - | - | €2,993 | - |
| Trade debts44 | €4,378 | €107 | - | - |
| Suppliers440/4 | €4,378 | €107 | - | - |
| Taxes, remuneration and social security45 | €4,517 | €5,337 | €0 | ▼ 100% |
| Taxes450/3 | €4,517 | €5,337 | €0 | ▼ 100% |
| Other amounts payable47/48 | €799 | €4,967 | €20,701 | ▲ 317% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€4,070 | -€7,795 | -€26,805 | ▼ 244% |
| + Depreciation and write-downs630 | €7,653 | €4,513 | €1,273 | ▼ 71.8% |
| Operating cash flow (approximation) | €3,584 | -€3,282 | -€25,532 | ▼ 678% |
| Investment in fixed assets (approximation) | - | -€6,990 | €15,299 | ▲ 319% |
| Change in cash | - | -€492 | -€4,897 | ▼ 895% |
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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
05-06
State Gazette act
Resignation: Sersante Julien (director)2 facts ▸
State Gazette act
Resignation: Sersante Julien (director)
2 facts ▸
- General meeting, 26-02-2026
- Director resignation, Sersante Julien (director)
2025
31-12
Financial
Weakest financial yearnet -€26,805
Net result drops to -€26,805, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
no sitting director, last change in 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Not every act has been read: a resignation may be missing here
2 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Châtelet · 1 establishment unit since 2022
Ground area
1,377 m²
Building footprint
163 m²
Volume, LiDAR
1,153 m³
2 parcels, Wallonia · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SJ SERVICES
since 20222.333.443.381
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52502B0298/00W002 | Wallonia | 920 m² | 1 · 107 m² | 7.8 m · 2 fl. |
| 52016A0283/00F002 | Wallonia | 458 m² | 1 · 56 m² | 10.6 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2026, 0 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Sersante Julien |
|
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 22,829 companies in sector 43211 we hold annual accounts for 10,334. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded18-07-2022
Fiscal year end31-12
Activities, NACEBEL 2025
43211General electrical installation work
61100Wired, wireless and satellite telecommunications
61200Telecommunications resale and intermediation services
Contact
E-mail
sj_services_srl@outlook.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:0788692845
Also
9925:BE0788692845
Registered
02-04-2026
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.