SJM GROUP
ActiveThe computed 12-month bankruptcy probability of SJM GROUP is 2.1% (moderate). The 2025 annual accounts show equity of €30k and a net result of €2k. Its solvency ranks better than 94% of 820 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▼-32
Solvency100=
Growth68
Track record82
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 8.79 against 7.38 in 2024; short-term debt: 10.3% and cash: 45.5% of total assets), and 10.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
89.7%
Return on assets
4.5%
Age of the figures
9 mo
neutral · Filed after the deadline
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. 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 · 2 filingsDeviation from the deadline
2025
3 d late
2024
7 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€122k▲ 38.9%
2024 · €88k
2024: €88k
2024 → 2025
EBIT margin
6.7%▼ 20.1pp
2024 · 26.8%
2024: 26.8%
2024 → 2025
Net result
€2k▼ 93.6%
2024 · €23k
2024: €23k
2024 → 2025
Working capital
€27k▲ 12.9%
2024 · €24k
2024: €24k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Turnover€88k-€122k▲ 38.9%
Equity€28k-€30k▲ 5.3%
Operating result€24k-€8k▼ 65.1%
Net result€23k-€2k▼ 93.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 65% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €33k
Fixed assets
€3k▼ 33.9%
Current assets
€30k▲ 10.2%
Equity and liabilities €33k
Equity
€30k▲ 5.3%
Debt
€3k▼ 7.4%
The debt ratio falls from 11.6% to 10.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€11k▼
2024 · €26k
Cash flow
€4k▼
2024 · €26k
Solvency
89.7%▲
2024 · 88.4%
Current ratio
8.79▲
2024 · 7.38
Quick ratio
8.79▲
2024 · 7.38
Debt / equity
0.12▼
2024 · 0.13
ROE
5.0%▼
2024 · 82.5%
ROA
4.5%▼
2024 · 72.9%
Interest coverage
64.74▼
2024 · 572.47
Debt
€3k▼
2024 · €4k
Debt ≤ 1 year
€3k▼
2024 · €4k
Income taxes
€7k
Staff costs
€236▼
2024 · €23k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€32k€33k▲
Fixed assets21/28€5k€3k▼
Tangible fixed assets22/27€5k€3k▼
Plant, machinery and equipment23-€750
Furniture and vehicles24€5k€2k▼
Current assets29/58€28k€30k▲
Amounts receivable within one year40/41€20k€15k▼
Trade receivables40€14k€7k▼
Other amounts receivable41€6k€9k▲
Cash at bank and in hand54/58€8k€15k▲
Equity and liabilities
Total equity and liabilities10/49€32k€33k▲
Equity10/15€28k€30k▲
Contributions10/11€5k€5k=
Capital10€5k€5k=
Issued capital100€5k€5k=
Profit (loss) carried forward14€23k€25k▲
Amounts payable17/49€4k€3k▼
Amounts payable within one year42/48€4k€3k▼
Trade debts44-€3k
Suppliers440/4-€3k
Other amounts payable47/48€4k-
Income statement
Code20242025
Turnover70€88k€122k▲
Goods, raw materials, services and sundry goods60/61€37k€109k▲
Remuneration, social security and pensions62€23k€236▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€50k€12k▼
Operating profit (loss)9901€24k€8k▼
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€45€169▲
Recurring financial charges65€45€169▲
Profit (loss) for the period before taxes9903€23k€8k▼
Income taxes67/77-€7k
Profit (loss) for the period9904€23k€2k▼
Profit (loss) for the period to be appropriated9905€23k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€25k▲
Profit (loss) brought forward from the previous period14P-€23k
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 3 days late
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
NBB filing
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, Wezembeek-Oppem · 1 establishment unit since 2024
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Lange Eikstraat 461970 Wezembeek-OppemGround area
635 m²
Building footprint
380 m²
Volume, LiDAR
3,402 m³
2 parcels, Flanders, Wallonia · tallest building 14.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SJM GROUP
since 20242.355.659.648
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22006A0114/00P000 | Flanders | 520 m² | 1 · 325 m² | 14.8 m · 3 fl. |
| 92094B0052/00Y002 | Wallonia | 115 m² | 1 · 55 m² | 11.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
TERGEMAT
BE 0750.605.893
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BE 0768.966.213
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HBELGIUM
BE 1012.911.711
Kraainem · Eq €30k
JNB SERVICE
BE 1014.201.910
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DRIESEN CONSTRUCT
BE 0788.363.144
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 12,435 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-02-2024
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43992Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.