SJA

Active

Private limited companyfounded 20215 yrs activeCol de Lamorménil 20, 6960 Manhay, BelgiumKBO/BCE: BE 0772.530.566

Summary

SJA has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €268k and a net result of €42k. Equity is growing by ~27.3% per year across the filed fiscal years. Its solvency ranks better than 87% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysis Watch Report Compare

SJAActiveChecked score 91/100

Risk analysis Report Compare

Checked score

Score 2025

91 / 100

Excellent

Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability86▼-1

Solvency100=

Growth68=

Track record94

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €24k at 30 days acceptable

Liquidity ample (current ratio 9.06 against 5.65 in 2024; short-term debt: 10.5% and cash: 88.4% of total assets), and 10.5% of the assets are financed with debt.

Credit check for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 62

Relative position

BE, all sectors

reference

Computer programming, consultancy and related activities (NACE 62)

about 64% fewer bankruptcies

← fewer bankruptcies more bankruptcies →

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

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

89.5%

Return on assets

14.1%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 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 filings

Deviation from the deadline

2025

14 d late

2024

18 d late

2023

29 d late

2022

9 d late

2021

27 d early

← before the deadline after the deadline →

Checked, nothing found (2)

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.

Companies Code · seven months

Position in the running window

25-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, micro schema

Turnover

€153k▲ 75.9%

2021 · €87k

2021: €87k 2022: €153k▲ +75.9% vs 2021

2021 → 2022

EBIT margin

72.1%▼ 4.4pp

2021 · 76.5%

2021: 76.5% 2022: 72.1%▼ -5.7% vs 2021

2021 → 2022

Net result

€42k▲ 8.7%

2024 · €39k

2021: €47k 2022: €76k▲ +59.9% vs 2021highest in 5 years 2023: €58k▼ -23.3% vs 2022 2024: €39k▼ -33.1% vs 2023lowest in 5 years 2025: €42k▲ +8.7% vs 2024

2021 → 2025

Working capital

€254k▲ 21.9%

2024 · €208k

2021: €39klowest in 5 years 2022: €92k▲ +134% vs 2021 2023: €162k▲ +75.5% vs 2022 2024: €208k▲ +28.8% vs 2023 2025: €254k▲ +21.9% vs 2024highest in 5 years

2021 → 2025

Trend over the years

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Turnover€87k-€153k▲ 75.9% 2021: €87k 2022: €153k▲ +75.9% vs 2021

Equity€53k-€129k▲ 142%€187k▲ 45.0%€226k▲ 20.8%€268k▲ 18.7% 2021: €53klowest in 5 years 2022: €129k▲ +142% vs 2021 2023: €187k▲ +45.0% vs 2022 2024: €226k▲ +20.8% vs 2023 2025: €268k▲ +18.7% vs 2024highest in 5 years

Operating result€66k-€110k▲ 65.9%€86k▼ 22.0%€57k▼ 33.5%€57k▼ 0.1% 2021: €66k 2022: €110k▲ +65.9% vs 2021highest in 5 years 2023: €86k▼ -22.0% vs 2022 2024: €57k▼ -33.5% vs 2023 2025: €57k▼ -0.1% vs 2024lowest in 5 years

Net result€47k-€76k▲ 59.9%€58k▼ 23.3%€39k▼ 33.1%€42k▲ 8.7% 2021: €47k 2022: €76k▲ +59.9% vs 2021highest in 5 years 2023: €58k▼ -23.3% vs 2022 2024: €39k▼ -33.1% vs 2023lowest in 5 years 2025: €42k▲ +8.7% vs 2024

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has fallen three years in a row; 2025 is 0% below 2024 and is the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €299k

95.2%

Fixed assets €14k ▼ 18.8%

Current assets €285k ▲ 12.8%

Equity and liabilities €299k

89.5%

11%

Equity €268k ▲ 18.7%

Debt €31k ▼ 29.7%

Debt's share of the balance-sheet total falls from 16.5% to 10.5%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€64k▼

2024 · €67k

Cash flow

€49k▲

2024 · €48k

Current ratio

9.06▲

2024 · 5.65

Debt to equity

0.12▼

2024 · 0.20

ROE

15.7%▼

2024 · 17.2%

ROA

14.1%▼

2024 · 14.3%

Interest coverage

793.18=

2024 · 793.49

Debt ≤ 1 year

€31k▼

2024 · €45k

Income taxes

€17k▼

2024 · €19k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

As filed By statement

Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines

Balance sheet Code20242025

Assets

Total assets20/58€271k€299k▲

Fixed assets21/28€18k€14k▼

Tangible fixed assets22/27€18k€14k▼

Furniture and vehicles24€18k€14k▼

Current assets29/58€253k€285k▲

Amounts receivable within one year40/41€7k€17k▲

Trade receivables40€5k€14k▲

Other amounts receivable41€2k€3k▲

Cash at bank and in hand54/58€243k€265k▲

Deferred charges and accrued income490/1€3k€3k▲

Equity and liabilities

Total equity and liabilities10/49€271k€299k▲

Equity10/15€226k€268k▲

Contributions10/11€6k€6k=

Reserves13€195k€245k▲

Distributable reserves133€195k€245k▲

Profit (loss) carried forward14€25k€17k▼

Amounts payable17/49€45k€31k▼

Amounts payable within one year42/48€45k€31k▼

Trade debts44€5k€4k▼

Suppliers440/4€5k€4k▼

Taxes, remuneration and social security45€3k-

Taxes450/3€3k-

Other amounts payable47/48€37k€28k▼

Income statement Code20242025

Goods, raw materials, services and sundry goods60/61€95k€88k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€7k▼

Other operating charges640/8€2k€2k▼

Gross operating margin9900€69k€66k▼

Operating profit (loss)9901€57k€57k▼

Financial income75/76B€719€3k▲

Recurring financial income75€719€3k▲

Financial charges65/66B€84€81▼

Recurring financial charges65€84€81▼

Profit (loss) for the period before taxes9903€58k€60k▲

Income taxes67/77€19k€17k▼

Profit (loss) for the period9904€39k€42k▲

Profit (loss) for the period to be appropriated9905€39k€42k▲

Appropriation of the result

Profit (loss) to be appropriated9906€55k€67k▲

Profit (loss) brought forward from the previous period14P€16k€25k▲

Transfer to equity691/2€30k€50k▲

To other reserves6921€30k€50k▲

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

Accounts by statement

Income statement Balance sheet Cash flow

Line	2021	2022	2023	2024	2025	Change
Turnover70	€87k	€153k	-	-	-	-
Goods, raw materials, services and sundry goods60/61	€18k	€37k	€47k	€95k	€88k	▼ 7.2%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630	€2k	€6k	€11k	€10k	€7k	▼ 26.3%
Other operating charges640/8	€605	€2k	€2k	€2k	€2k	▼ 11.1%
Gross operating margin9900	€69k	€118k	€99k	€69k	€66k	▼ 4.0%
Operating profit (loss)9901	€66k	€110k	€86k	€57k	€57k	▼ 0.1%
Financial income75/76B	-	-	€454	€719	€3k	▲ 272%
Recurring financial income75	-	-	€454	€719	€3k	▲ 272%
Financial charges65/66B	€50	€116	€78	€84	€81	▼ 3.8%
Recurring financial charges65	€50	€116	€78	€84	€81	▼ 3.8%
Profit (loss) for the period before taxes9903	€66k	€110k	€86k	€58k	€60k	▲ 3.3%
Income taxes67/77	€19k	€34k	€28k	€19k	€17k	▼ 7.6%
Profit (loss) for the period9904	€47k	€76k	€58k	€39k	€42k	▲ 8.7%
Profit (loss) for the period to be appropriated9905	€47k	€76k	€58k	€39k	€42k	▲ 8.7%

Line	2021	2022	2023	2024	2025	Change
Assets
Total assets20/58	€68k	€162k	€225k	€271k	€299k	▲ 10.7%
Fixed assets21/28	€14k	€37k	€25k	€18k	€14k	▼ 18.8%
Tangible fixed assets22/27	€14k	€37k	€25k	€18k	€14k	▼ 18.8%
Furniture and vehicles24	€14k	€37k	€25k	€18k	€14k	▼ 18.8%
Current assets29/58	€54k	€125k	€200k	€253k	€285k	▲ 12.8%
Amounts receivable within one year40/41	€27k	€35k	€32k	€7k	€17k	▲ 156%
Trade receivables40	€26k	€28k	€31k	€5k	€14k	▲ 184%
Other amounts receivable41	€923	€7k	€514	€2k	€3k	▲ 78.7%
Cash at bank and in hand54/58	€26k	€89k	€167k	€243k	€265k	▲ 8.8%
Deferred charges and accrued income490/1	€1k	€2k	€2k	€3k	€3k	▲ 17.4%
Equity and liabilities
Total equity and liabilities10/49	€68k	€162k	€225k	€271k	€299k	▲ 10.7%
Equity10/15	€53k	€129k	€187k	€226k	€268k	▲ 18.7%
Contributions10/11	€6k	€6k	€6k	€6k	€6k	=
Reserves13	€20k	€90k	€165k	€195k	€245k	▲ 25.6%
Distributable reserves133	€20k	€90k	€165k	€195k	€245k	▲ 25.6%
Profit (loss) carried forward14	€27k	€33k	€16k	€25k	€17k	▼ 31.5%
Amounts payable17/49	€15k	€33k	€38k	€45k	€31k	▼ 29.7%
Amounts payable within one year42/48	€15k	€33k	€38k	€45k	€31k	▼ 29.7%
Financial debts43	-	-	€87	-	-	-
Other loans439	-	-	€87	-	-	-
Trade debts44	€2k	€1k	€3k	€5k	€4k	▼ 21.4%
Suppliers440/4	€2k	€1k	€3k	€5k	€4k	▼ 21.4%
Taxes, remuneration and social security45	€7k	€16k	€12k	€3k	-	-
Taxes450/3	€7k	€16k	€12k	€3k	-	-
Other amounts payable47/48	€6k	€15k	€23k	€37k	€28k	▼ 24.8%

Line	2021	2022	2023	2024	2025	Change
Profit (loss) for the period9904	€47k	€76k	€58k	€39k	€42k	▲ 8.7%
+ Depreciation and write-downs630	€2k	€6k	€11k	€10k	€7k	▼ 26.3%
Operating cash flow (approximation)	€49k	€82k	€70k	€48k	€49k	▲ 1.7%
Investment in fixed assets (approximation)	-	€-29k	€0	€-2k	€-4k	▼ 98.6%
Change in cash	-	€63k	€78k	€76k	€21k	▼ 72.0%

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

All 10Financial 5Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

14-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 14 days late

2025

18-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 18 days late

2024

31-12

Financial Weakest financial yearnet €39k ▼33.1%

Net result drops to €39k, the lowest in the series; recovery starts the following year.

31-12

Financial Equity above €200kEq €226k ▲20.8%

4 profitable years in a row build equity to €226k.

29-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 29 days late

2023

31-12

Financial Equity above €150kEq €187k ▲45%

3 profitable years in a row build equity to €187k.

09-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 9 days late

2022

31-12

Financial Highest result since 2021net €76k ▲59.9%

Operating result €110k, net result €76k, both a record.

31-12

Financial Equity above €100kEq €129k ▲142%

2 profitable years in a row build equity to €129k.

04-07

NBB filing Annual accounts filed

fiscal year 2021 · 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.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Manhay · 1 establishment unit since 2021

seat establishment The establishment unit on the map

Ground area

888 m²

Building footprint

250 m²

Parcel 83011A0891/00D000, Wallonia. Linked by address, not a title deed.

2 companies at this address See who is registered here

1 establishment unit

SJA

Col de Lamorménil 20, 6960 ManhayComputer programming, consultancy and related activities

since 20212.320.609.291

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
83011A0891/00D000	Wallonia	888 m²	1 · 250 m²	-

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.

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Of 16,879 companies in sector 62100 we hold annual accounts for 8,771. 6,297 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

Founded13-08-2021

Fiscal year end31-12

Activities, NACEBEL 2025

62100Computer programming

62900Other information technology and computer services

62200Computer consultancy and computer facilities management

63910Web portal activities

73300Public relations and communication consultancy

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