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SJM GROUP

Active
Private limited companyfounded 2024active for 2 yearsLange Eikstraat 46, 1970 Wezembeek-Oppem, BelgiumKBO/BCE: BE 1005.778.251
Summary

SJM GROUP has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29,999 and a net result of €1,501. Its solvency ranks better than 95% of 1,029 sector peers (NACE 41, financial year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Overview

Official details

Source: KBO
Status
Active since 08-02-2024 Normal situation
Registered office
610 active companies are registered at this address 98 started in the 12 months before. Source: KBO register, as of 3 November 2026.
Activity
General construction of residential buildings NACE 41001and 3 others
Establishment unit
2.355.659.648 5000 Namur, since 08-02-2024
Financial year end
31 December
Peppol
Reachable since 07-11-2025

Board and ownership

Board

Financial position

68 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.0%
Annual accounts 2025
Turnover
€121,766
▲ 38.9%
Profit
€1,501
▼ 93.6%
Equity
€29,999
▲ 5.3%
Total assets
€33,455
▲ 3.8%
Staff
≈ 0 FTE
estimated
  • 2025 accounts filed 3 days after the deadline
Score breakdownraises riskFounded in 2024Size: turnover €121,766, total assets €33,455Sector: Construction of residential and non-residential buildings (NACE 41)lowers riskLiquidity: current ratio 8.79, cash €15,235Show the evidence

Checked score

Score 2025
68 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 72% of micro companies in construction of buildings (NACE 41)
Financial strength · tick: 2024
Strong
Solvency 100=
equity 89.7% of total assets
Liquidity 100+21
short-term debt 10.3% · cash 45.5%
Profitability 68-32
return on assets 4.5%
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,453 companies, NACE 41, micro)
Last 24 months 03-2025: 3.6% 04-2025: 3.7%▲ +0.1 percentage points vs 03-2025 05-2025: 3.8%▲ +0.1 percentage points vs 04-2025 06-2025: 4.2%▲ +0.4 percentage points vs 05-2025 07-2025: 4.2%● unchanged vs 06-2025highest value 08-2025: 1.3%▼ -2.9 percentage points vs 07-2025 09-2025: 1.4%▲ +0.1 percentage points vs 08-2025 10-2025: 1.4%● unchanged vs 09-2025 11-2025: 1.3%▼ -0.1 percentage points vs 10-2025 12-2025: 1.3%● unchanged vs 11-2025 01-2026: 1.4%▲ +0.1 percentage points vs 12-2025 02-2026: 1.4%● unchanged vs 01-2026 03-2026: 1.5%▲ +0.1 percentage points vs 02-2026 04-2026: 1.6%▲ +0.1 percentage points vs 03-2026 05-2026: 1.7%▲ +0.1 percentage points vs 04-2026 06-2026: 1.7%● unchanged vs 05-2026 07-2026: 1.8%▲ +0.1 percentage points vs 06-2026 08-2026: 2.3%▲ +0.5 percentage points vs 07-2026 09-2026: 1.1%▼ -1.2 percentage points vs 08-2026 10-2026: 1.0%▼ -0.1 percentage points vs 09-2026lowest value 11-2026: 1.0%● unchanged vs 10-2026lowest value
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 8.79 (7.38 in 2024), above the usual 1.5. Short-term debt is 10.3% and cash 45.5% of total assets. 10.3% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 92% of them on solvency, 97% on liquidity, 39% on profitability and 61% on growth.

The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
raises risk · Founded in 2024
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Size: turnover €121,766, total assets €33,455
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 8.79, cash €15,235
NBB · annual accounts
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · 2025 accounts filed 3 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filings
Deviation from the deadline
2025
3 days late
2024
7 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 2 accounts on average 2 days before the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven months
Where today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2024.
KBO publications

Key points

  • Caution: Less equity than 86% of companies in construction of buildingssector median €647,218 · 1,029 companies €29,999 View

Recent changes

  1. · Gazette deed IncorporationStarting capital €5,000 · Appointment: CUNI Rigers (director)
All 3 events

Comparable companies

These companies have the same main activity as SJM GROUP: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €30,300 and €33,100, founded between 2023 and 2024.

CompanyTotal assetsGross margin
SJM GROUP Wezembeek-Oppem€33,455€12,481
MB PROTECH Wezembeek-Oppem€30,428€14,663
GAS Construct Dilbeek€30,955€11,872
HOUSE VIP Renovation Affligem€30,344€13,899
S.B.E. CONSTRUCT Sint-Pieters-Leeuw€31,070€11,697
SANITECH CONCEPT Wemmel€33,066€11,997
FABIGAN Asse€33,090€11,039
Full comparison

Key facts about SJM GROUP

What is the company number of SJM GROUP?
The company number of SJM GROUP is 1005.778.251. The VAT number is the same number with BE in front: BE 1005.778.251.
Where is SJM GROUP based?
The registered office is at Lange Eikstraat 46, 1970 Wezembeek-Oppem.Company details
What does SJM GROUP do?
According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
What is the legal form of SJM GROUP?
The legal form of SJM GROUP is Private limited company (BV).
When was SJM GROUP founded?
SJM GROUP was founded on 08-02-2024.
Is SJM GROUP still active?
Yes, SJM GROUP is an active enterprise in the KBO register.
What is the turnover of SJM GROUP?
The turnover of SJM GROUP was €121,766 in financial year 2025, according to the filed annual accounts.Financials
Is SJM GROUP profitable?
In financial year 2025, SJM GROUP made a profit of €1,501.
Where can I find the annual accounts of SJM GROUP?
SJM GROUP filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of SJM GROUP due?
SJM GROUP must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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