SKAJ
ActiveSKAJ has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30k and a net result of €-5k. Equity is growing by ~19.7% per year across the filed fiscal years. Its solvency ranks better than 22% of 9386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
15
/ 100
Critical▼ -21 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency16▼-9
Growth52=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.55 against 0.55 in 2024), and 79.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
20.5%
Return on assets
-3.5%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 9386 sector peers (2025).
NBB · sector comparisonPosition among 9386 sector peers
Solvency
better than 22%
← weakest
strongest →
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
5 d late
2023
2 d early
2022
on the day
2021
3 d early
2020
9 d early
2019
4 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€30k▼ 14.4%
2024 · €35k
2018: €10k
2019: €10k
2020: €13k
2021: €13k
2022: €13k
2023: €35k
2024: €35k
2018 → 2025
Total assets
€147k▼ 0.6%
2024 · €148k
2018: €180k
2019: €157k
2020: €161k
2021: €149k
2022: €144k
2023: €167k
2024: €148k
2018 → 2025
Net result
€-5k
2024 · €19
2018: €1k
2019: €50
2020: €3k
2021: €-291
2022: €866
2023: €9k
2024: €19
2018 → 2025
Working capital
€-6k▲ 34.9%
2024 · €-10k
2018: €-13k
2019: €-17k
2020: €-17k
2021: €-18k
2022: €-19k
2023: €-11k
2024: €-10k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€13k▲ 6.9%€35k▲ 162%€35k▲ 0.1%€30k▼ 14.4%
Operating result€3k-€4k▲ 28.4%€16k▲ 256%€3k▼ 77.9%€-2k
Net result€-291-€866€9k▲ 985%€19▼ 99.8%€-5k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2k after €3k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €147k
Fixed assets
€139k▲ 2.6%
Current assets
€8k▼ 36.2%
Equity and liabilities €147k
Equity
€30k▼ 14.4%
Debt
€117k▲ 3.8%
The debt ratio rises from 76.1% to 79.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€7k▼
2024 · €12k
Cash flow
€3k▼
2024 · €8k
Solvency
20.5%▼
2024 · 23.9%
Current ratio
0.55▼
2024 · 0.55
Quick ratio
0.55▼
2024 · 0.55
Debt / equity
3.87▲
2024 · 3.19
ROE
-16.9%▼
2024 · 0.1%
ROA
-3.5%▼
2024 · 0.0%
Interest coverage
2.08▼
2024 · 3.96
Debt
€117k▲
2024 · €113k
Debt ≤ 1 year
€14k▼
2024 · €22k
Debt > 1 year
€102k▲
2024 · €90k
Income taxes
€167▼
2024 · €449
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€148k€147k▼
Fixed assets21/28€136k€139k▲
Intangible fixed assets21€8k€6k▼
Tangible fixed assets22/27€128k€134k▲
Land and buildings22€126k€133k▲
Plant, machinery and equipment23€1k€216▼
Current assets29/58€12k€8k▼
Amounts receivable within one year40/41€9k€675▼
Trade receivables40€9k€675▼
Other amounts receivable41€14€0▼
Cash at bank and in hand54/58€4k€5k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€148k€147k▼
Equity10/15€35k€30k▼
Contributions10/11€19k€19k=
Reserves13€17k€12k▼
Distributable reserves133€17k€12k▼
Amounts payable17/49€113k€117k▲
Amounts payable after more than one year17€90k€102k▲
Financial debts170/4€90k€102k▲
Amounts payable within one year42/48€22k€14k▼
Current portion of amounts payable after more than one year42€8k€10k▲
Financial debts43-€104
Credit institutions430/8-€104
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€4k€1k▼
Taxes450/3€4k€1k▼
Other amounts payable47/48€6k€125▼
Accrued charges and deferred income492/3€820€77▼
Income statement
Code20242025
Non-recurring operating income76A€2k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€14k€8k▼
Operating profit (loss)9901€3k€-2k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€468€-5k▼
Income taxes67/77€449€167▼
Profit (loss) for the period9904€19€-5k▼
Profit (loss) for the period to be appropriated9905€19€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19€-5k▼
Transfer from equity791/2-€5k
Transfer to equity691/2€19€0▼
To other reserves6921€19€0▼
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (14 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-5k ▼27297%
Net result drops to €-5k, the lowest in the series.
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 5 days late
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €9k ▲985%
Operating result €16k, net result €9k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €866
Net result €866 after one loss-making year.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
27-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Brugge · 1 establishment unit since 2014
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.
Guido Gezellelaan 378000 BruggeGround area
205 m²
Building footprint
116 m²
Volume, LiDAR
1,325 m³
Parcel 31804D0972/00H002, Flanders · tallest building 19.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
SPOT THE PIGEON
since 20142.226.954.902
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31804D0972/00H002 | Flanders | 205 m² | 1 · 116 m² | 19.9 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
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ADIKTA
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Maarten Van Hulle
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TRAITS ESSENTIELS
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Ukkel · Eq €30k
Of 3,911 companies in sector 71112 we hold annual accounts for 1,290. 1,031 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-02-2014
Fiscal year end31-12
Activities, NACEBEL
71112Activities of interior architects
74103Other professional, scientific and technical activities
74104Other professional, scientific and technical activities
74120Graphic design and visual communication
74130Interior design
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.