SJAKO
InactiveInactive since 22-04-2026; last annual accounts for fiscal year 2025.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 23-07-2026, 8 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
8 d early
2024
30 d early
2023
27 d early
2022
24 d early
2021
13 d early
2020
32 d early
2019
45 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€38k▼ 78.1%
2024 · €172k
2018: €52k
2019: €84k▲ +59.8% vs 2018
2020: €84k▲ +0.5% vs 2019
2021: €115k▲ +36.2% vs 2020
2022: €136k▲ +18.1% vs 2021
2023: €151k▲ +11.4% vs 2022
2024: €172k▲ +13.9% vs 2023highest in 8 years
2025: €38k▼ -78.1% vs 2024lowest in 8 years
2018 → 2025
Net result
€-12k
2024 · €21k
2018: €30k
2019: €40k▲ +32.0% vs 2018highest in 8 years
2020: €17k▼ -56.5% vs 2019
2021: €15k▼ -14.2% vs 2020
2022: €21k▲ +38.7% vs 2021
2023: €22k▲ +4.0% vs 2022
2024: €21k▼ -2.8% vs 2023
2025: €-12k▼ -156% vs 2024lowest in 8 years
2018 → 2025
Total assets
€82k▼ 63.3%
2024 · €225k
2018: €92k
2019: €144k▲ +56.3% vs 2018
2020: €140k▼ -2.6% vs 2019
2021: €154k▲ +10.0% vs 2020
2022: €153k▼ -0.4% vs 2021
2023: €158k▲ +3.3% vs 2022
2024: €225k▲ +42.0% vs 2023highest in 8 years
2025: €82k▼ -63.3% vs 2024lowest in 8 years
2018 → 2025
Solvency
45.8%▼ 30.7pp
2024 · 76.5%
2018: 57.1%
2019: 58.4%▲ +2.3% vs 2018
2020: 60.3%▲ +3.2% vs 2019
2021: 74.6%▲ +23.8% vs 2020
2022: 88.5%▲ +18.5% vs 2021
2023: 95.4%▲ +7.9% vs 2022highest in 8 years
2024: 76.5%▼ -19.8% vs 2023
2025: 45.8%▼ -40.2% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€115k-€136k▲ 18.1%€151k▲ 11.4%€172k▲ 13.9%€38k▼ 78.1%
2021: €115k
2022: €136k▲ +18.1% vs 2021
2023: €151k▲ +11.4% vs 2022
2024: €172k▲ +13.9% vs 2023highest in 5 years
2025: €38k▼ -78.1% vs 2024lowest in 5 years
Operating result€23k-€28k▲ 24.9%€28k▲ 0.8%€25k▼ 11.5%€-32k
2021: €23k
2022: €28k▲ +24.9% vs 2021
2023: €28k▲ +0.8% vs 2022highest in 5 years
2024: €25k▼ -11.5% vs 2023
2025: €-32k▼ -229% vs 2024lowest in 5 years
Net result€15k-€21k▲ 38.7%€22k▲ 4.0%€21k▼ 2.8%€-12k
2021: €15k
2022: €21k▲ +38.7% vs 2021
2023: €22k▲ +4.0% vs 2022highest in 5 years
2024: €21k▼ -2.8% vs 2023
2025: €-12k▼ -156% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €32k after €25k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €82k
Fixed assets
€18k ▼ 82.1%
Current assets
€65k ▼ 48.6%
Equity and liabilities €82k
Equity
€38k ▼ 78.1%
Debt
€45k ▼ 15.3%
Debt's share of the balance-sheet total rises from 23.5% to 54.2%. Equity and debt are lower.
Key figures and ratios
ROE
-31.3%▼
2024 · 12.2%
ROA
-14.3%▼
2024 · 9.3%
Debt ≤ 1 year
€45k▲
2024 · €15k
Debt > 1 year
€0▼
2024 · €37k
Income taxes
€378▼
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€225k€82k▼
Fixed assets21/28€99k€18k▼
Tangible fixed assets22/27€70k€2k▼
Furniture and vehicles24€70k€2k▼
Financial fixed assets28€29k€16k▼
Current assets29/58€126k€65k▼
Amounts receivable after more than one year29€19k€0▼
Other amounts receivable291€19k€0▼
Amounts receivable within one year40/41€60k€46k▼
Trade receivables40€6k€46k▲
Other amounts receivable41€54k€0▼
Cash at bank and in hand54/58€47k€18k▼
Deferred charges and accrued income490/1€169€0▼
Equity and liabilities
Total equity and liabilities10/49€225k€82k▼
Equity10/15€172k€38k▼
Contributions10/11€19k€19k=
Reserves13€153k€31k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€151k€29k▼
Profit (loss) carried forward14€0€-12k▼
Amounts payable17/49€53k€45k▼
Amounts payable after more than one year17€37k€0▼
Financial debts170/4€37k€0▼
Amounts payable within one year42/48€15k€45k▲
Current portion of amounts payable after more than one year42€11k€0▼
Trade debts44€101€5k▲
Suppliers440/4€101€5k▲
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€4k€5k▲
Other amounts payable47/48-€34k
Accrued charges and deferred income492/3€89€0▼
Income statement
Code20242025
Non-recurring operating income76A€20k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€2k▼
Other operating charges640/8€5k€2k▼
Non-recurring operating charges66A-€24k
Gross operating margin9900€47k€-5k▼
Operating profit (loss)9901€25k€-32k▼
Financial income75/76B€3k€37k▲
Recurring financial income75€3k€37k▲
Financial charges65/66B€2k€16k▲
Recurring financial charges65€2k€2k▲
Non-recurring financial charges66B-€13k
Profit (loss) for the period before taxes9903€26k€-11k▼
Income taxes67/77€5k€378▼
Profit (loss) for the period9904€21k€-12k▼
Profit (loss) for the period to be appropriated9905€21k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€-12k▼
Transfer from equity791/2€0€122k▲
Transfer to equity691/2€21k€0▼
To other reserves6921€21k€0▼
Profit to be distributed694/7€0€122k▲
Return on contributions (dividend)694€0€122k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €20k | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11k | €11k | €12k | €16k | €2k | ▼ 89.7% |
| Other operating charges640/8 | €1k | €1k | €3k | €5k | €2k | ▼ 62.8% |
| Non-recurring operating charges66A | - | - | - | - | €24k | - |
| Gross operating margin9900 | €34k | €40k | €44k | €47k | €-5k | ▼ 110% |
| Operating profit (loss)9901 | €23k | €28k | €28k | €25k | €-32k | ▼ 229% |
| Financial income75/76B | €570 | €570 | €2k | €3k | €37k | ▲ 1,040% |
| Recurring financial income75 | €570 | €570 | €2k | €3k | €37k | ▲ 1,040% |
| Financial charges65/66B | €354 | €328 | €131 | €2k | €16k | ▲ 635% |
| Recurring financial charges65 | €354 | €328 | €131 | €2k | €2k | ▲ 14.3% |
| Non-recurring financial charges66B | - | - | - | - | €13k | - |
| Profit (loss) for the period before taxes9903 | €23k | €28k | €30k | €26k | €-11k | ▼ 144% |
| Income taxes67/77 | €8k | €8k | €8k | €5k | €378 | ▼ 92.8% |
| Profit (loss) for the period9904 | €15k | €21k | €22k | €21k | €-12k | ▼ 156% |
| Profit (loss) for the period to be appropriated9905 | €15k | €21k | €22k | €21k | €-12k | ▼ 156% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €154k | €153k | €158k | €225k | €82k | ▼ 63.3% |
| Fixed assets21/28 | €37k | €49k | €46k | €99k | €18k | ▼ 82.1% |
| Tangible fixed assets22/27 | €21k | €15k | €12k | €70k | €2k | ▼ 96.9% |
| Furniture and vehicles24 | €21k | €15k | €12k | €70k | €2k | ▼ 96.9% |
| Financial fixed assets28 | €16k | €34k | €34k | €29k | €16k | ▼ 46.2% |
| Current assets29/58 | €116k | €104k | €112k | €126k | €65k | ▼ 48.6% |
| Amounts receivable after more than one year29 | €19k | €19k | €19k | €19k | €0 | ▼ 100% |
| Other amounts receivable291 | €19k | €19k | €19k | €19k | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €34k | €16k | €50k | €60k | €46k | ▼ 22.7% |
| Trade receivables40 | €32k | €11k | €5k | €6k | €46k | ▲ 686% |
| Other amounts receivable41 | €2k | €5k | €45k | €54k | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €64k | €67k | €42k | €47k | €18k | ▼ 60.8% |
| Deferred charges and accrued income490/1 | - | €2k | €1k | €169 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €154k | €153k | €158k | €225k | €82k | ▼ 63.3% |
| Equity10/15 | €115k | €136k | €151k | €172k | €38k | ▼ 78.1% |
| Contributions10/11 | €6k | €6k | €19k | €19k | €19k | = |
| Reserves13 | €109k | €129k | €132k | €153k | €31k | ▼ 79.8% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €107k | €127k | €131k | €151k | €29k | ▼ 80.8% |
| Profit (loss) carried forward14 | - | - | €0 | €0 | €-12k | - |
| Amounts payable17/49 | €39k | €18k | €7k | €53k | €45k | ▼ 15.3% |
| Amounts payable after more than one year17 | €10k | €796 | €0 | €37k | €0 | ▼ 100% |
| Financial debts170/4 | €10k | €796 | €0 | €37k | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €29k | €17k | €7k | €15k | €45k | ▲ 190% |
| Current portion of amounts payable after more than one year42 | €20k | €9k | €796 | €11k | €0 | ▼ 100% |
| Trade debts44 | €223 | €2k | €1k | €101 | €5k | ▲ 4,981% |
| Suppliers440/4 | €223 | €2k | €1k | €101 | €5k | ▲ 4,981% |
| Taxes, remuneration and social security45 | €7k | €5k | €5k | €4k | €5k | ▲ 33.2% |
| Taxes450/3 | €7k | €5k | €5k | €4k | €5k | ▲ 33.2% |
| Other amounts payable47/48 | €2k | €525 | €0 | - | €34k | - |
| Accrued charges and deferred income492/3 | - | €89 | €89 | €89 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15k | €21k | €22k | €21k | €-12k | ▼ 156% |
| + Depreciation and write-downs630 | €11k | €11k | €12k | €16k | €2k | ▼ 89.7% |
| Operating cash flow (approximation) | €26k | €32k | €34k | €37k | €-10k | ▼ 127% |
| Investment in fixed assets (approximation) | - | €-22k | €-9k | €-69k | €80k | ▲ 215% |
| Change in cash | - | €4k | €-25k | €4k | €-28k | ▼ 736% |
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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 15.78
Current ratio from 6.21 to 15.78; short-term debt falls from €17k to €7k.
31-12
Financial
Equity above €150kEq €151k ▲11.4%
6 profitable years in a row build equity to €151k.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €115k ▲36.2%
4 profitable years in a row build equity to €115k.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 45 days late
2019
31-12
Financial
Highest result since 2018net €40k ▲32%
Operating result €54k, net result €40k, both a record.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Rumst
Ground area
1,060 m²
Building footprint
145 m²
Volume, LiDAR
1,137 m³
Parcel 11036B0232/00H002, Flanders · tallest building 22.4 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11036B0232/00H002 | Flanders | 1,060 m² | 1 · 145 m² | 22.4 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 360 EUR awarded · 360 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 360 EUR | 360 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 9,515 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 (pre-2019)
Founded04-05-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
66290Activities auxiliary to financial services and insurance activities
70200Business and other management consultancy
82990Other business support services
85599Other education
Scores and ratios are computed by Checked and are not a credit decision.