SLJ Concept
ActiveSummary
The computed 12-month bankruptcy probability of SLJ Concept is 1.6% (moderate). The 2024 annual accounts show negative equity (-€31,121) and a net result of €639. Equity is growing by ~23.9% per year across the filed fiscal years. The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability74▲+74
Solvency0=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.1 against 0.1 in 2023; short-term debt: 319.3% and cash: 30.4% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2024Solvency, return and age of the figures
Solvency
-219.3%
Return on assets
4.5%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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 21-06-2026, 40 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
40 d early
2024
on the day
2023
7 d early
2022
55 d early
2021
29 d late
2020
61 d late
2019
44 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 5 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 25 July (4 of the last 5 filed years within 35 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
-€31,121▲ 2.0%
2023 · -€31,760
Total assets
€14,189▼ 27.0%
2023 · €19,424
Net result
€639
2023 · -€12,071
Working capital
-€40,997▲ 0.4%
2023 · -€41,179
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€17,476▲ 83.7%€24,967▲ 42.9%€2,570▼ 89.7%-€13,785€1,626
Net result€17,333within the sector's middle half▲ 84.7%€24,593above the sector's middle half▲ 41.9%€527within the sector's middle half▼ 97.9%-€12,071below the sector's middle half€639within the sector's middle half
Equity-€44,809below the sector's middle half▲ 27.9%-€20,216below the sector's middle half▲ 54.9%-€19,689below the sector's middle half▲ 2.6%-€31,760below the sector's middle half▼ 61.3%-€31,121below the sector's middle half▲ 2.0%
Total assets€46,437below the sector's middle half▲ 17.5%€17,975below the sector's middle half▼ 61.3%€51,970below the sector's middle half▲ 189%€19,424below the sector's middle half▼ 62.6%€14,189below the sector's middle half▼ 27.0%
Debt€91,247▼ 10.2%€38,191▼ 58.1%€71,660▲ 87.6%€51,184▼ 28.6%€45,310▼ 11.5%
Working capital-€56,878below the sector's middle half▼ 20.9%-€27,058below the sector's middle half▲ 52.4%-€40,667below the sector's middle half▼ 50.3%-€41,179below the sector's middle half▼ 1.3%-€40,997below the sector's middle half▲ 0.4%
Solvency-96.5%below the sector's middle half▲ 60.8pp-112.5%below the sector's middle half▼ 16.0pp-37.9%below the sector's middle half▲ 74.6pp-163.5%below the sector's middle half▼ 125.6pp-219.3%below the sector's middle half▼ 55.8pp
Current ratio0.38below the sector's middle half▼ 0.060.29below the sector's middle half▼ 0.090.13below the sector's middle half▼ 0.160.10below the sector's middle half▼ 0.040.10below the sector's middle half=
Return on assets (ROA)37.3%above the sector's middle half▲ 13.6pp136.8%above the sector's middle half▲ 99.5pp1.0%within the sector's middle half▼ 135.8pp-62.1%below the sector's middle half▼ 63.2pp4.5%within the sector's middle half▲ 66.7pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €1,626 after a loss of €13,785 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €14,189
Fixed assets
€9,876 ▼ 34.6%
Current assets
€4,313 ▼ 0.3%
Key figures and ratios
EBITDA
€6,846▲
2023 · -€8,083
Cash flow
€5,860▲
2023 · -€6,369
Debt to equity
-1.46▲
2023 · -1.61
Interest coverage
6.94▲
2023 · -5.45
Debt ≤ 1 year
€45,310▼
2023 · €45,506
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,379 companies that looked in July 2024 the way this one looks now, 2.4% went bankrupt within 24 months and 94% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a profit under 5% of the balance sheet
2.4%
went bankrupt
3.2%
stopped otherwise
94%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,379 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €6,380 | - | - | - |
| Remuneration, social security and pensions62 | - | - | €2,411 | €5,072 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,184 | €5,227 | €9,862 | €5,702 | €5,220 | ▼ 8.5% |
| Other operating charges640/8 | - | €1,420 | €2,589 | €2,387 | €373 | ▼ 84.4% |
| Gross operating margin9900 | €23,331 | €31,613 | €17,431 | -€624 | €7,219 | ▲ 1,257% |
| Operating profit (loss)9901 | €17,476 | €24,967 | €2,570 | -€13,785 | €1,626 | ▲ 112% |
| Financial income75/76B | - | - | - | €3,197 | - | - |
| Recurring financial income75 | - | - | - | €3,197 | - | - |
| Financial charges65/66B | - | €374 | €1,901 | €1,483 | €987 | ▼ 33.5% |
| Recurring financial charges65 | €143 | €374 | €1,901 | €1,483 | €987 | ▼ 33.5% |
| Profit (loss) for the period before taxes9903 | €17,333 | €24,593 | €669 | -€12,071 | €639 | ▲ 105% |
| Income taxes67/77 | - | - | €142 | - | - | - |
| Profit (loss) for the period9904 | €17,333 | €24,593 | €527 | -€12,071 | €639 | ▲ 105% |
| Profit (loss) for the period to be appropriated9905 | €17,333 | €24,593 | €527 | -€12,071 | €639 | ▲ 105% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €46,437 | €17,975 | €51,970 | €19,424 | €14,189 | ▼ 27.0% |
| Fixed assets21/28 | €12,069 | €6,842 | €45,734 | €15,097 | €9,876 | ▼ 34.6% |
| Tangible fixed assets22/27 | €11,895 | €6,668 | €45,560 | €14,923 | €9,703 | ▼ 35.0% |
| Plant, machinery and equipment23 | - | €782 | €806 | €164 | €4 | ▼ 97.4% |
| Furniture and vehicles24 | - | €4,932 | €43,910 | €14,025 | €9,075 | ▼ 35.3% |
| Other tangible fixed assets26 | - | €954 | €844 | €733 | €623 | ▼ 15.0% |
| Financial fixed assets28 | €174 | €174 | €174 | €174 | €174 | = |
| Current assets29/58 | €34,368 | €11,133 | €6,237 | €4,327 | €4,313 | ▼ 0.3% |
| Amounts receivable after more than one year29 | - | - | €244 | - | - | - |
| Trade receivables290 | - | - | €244 | - | - | - |
| Amounts receivable within one year40/41 | €26,461 | €1,512 | - | - | - | - |
| Trade receivables40 | - | €1,512 | - | - | - | - |
| Cash at bank and in hand54/58 | €7,407 | €9,621 | €5,992 | €4,327 | €4,313 | ▼ 0.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €46,437 | €17,975 | €51,970 | €19,424 | €14,189 | ▼ 27.0% |
| Equity10/15 | -€44,809 | -€20,216 | -€19,689 | -€31,760 | -€31,121 | ▲ 2.0% |
| Contributions10/11 | - | €14,400 | €14,400 | €14,400 | €16,260 | ▲ 12.9% |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | - | - |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | - | - |
| Profit (loss) carried forward14 | -€61,069 | -€36,476 | -€35,949 | -€48,020 | -€47,381 | ▲ 1.3% |
| Amounts payable17/49 | €91,247 | €38,191 | €71,660 | €51,184 | €45,310 | ▼ 11.5% |
| Amounts payable after more than one year17 | - | - | €24,756 | €5,678 | - | - |
| Financial debts170/4 | - | - | €24,756 | €5,678 | - | - |
| Amounts payable within one year42/48 | €91,247 | €38,191 | €46,904 | €45,506 | €45,310 | ▼ 0.4% |
| Current portion of amounts payable after more than one year42 | - | - | €12,335 | €6,287 | €5,803 | ▼ 7.7% |
| Trade debts44 | €51,125 | €17,174 | €13,175 | €15,405 | €12,590 | ▼ 18.3% |
| Suppliers440/4 | - | €17,174 | €12,534 | €13,765 | €12,590 | ▼ 8.5% |
| Bills of exchange payable441 | - | - | €641 | €1,641 | - | - |
| Taxes, remuneration and social security45 | - | €2,914 | €3,459 | €3,648 | €5,478 | ▲ 50.2% |
| Taxes450/3 | - | €2,914 | €1,369 | €3,648 | €5,478 | ▲ 50.2% |
| Remuneration and social security454/9 | - | - | €2,090 | - | - | - |
| Other amounts payable47/48 | - | €18,104 | €17,935 | €20,166 | €21,439 | ▲ 6.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17,333 | €24,593 | €527 | -€12,071 | €639 | ▲ 105% |
| + Depreciation and write-downs630 | €5,184 | €5,227 | €9,862 | €5,702 | €5,220 | ▼ 8.5% |
| Operating cash flow (approximation) | €22,517 | €29,820 | €10,389 | -€6,369 | €5,860 | ▲ 192% |
| Investment in fixed assets (approximation) | - | €0 | -€48,754 | €24,935 | €0 | ▼ 100% |
| Change in cash | - | €2,214 | -€3,628 | -€1,665 | -€15 | ▲ 99.1% |
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
21-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €639
Net result €639 after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet -€12,071
Net result drops to -€12,071, the lowest in the series; recovery starts the following year.
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Highest result since 2018net €24,593 ▲41.9%
Operating result €24,967, net result €24,593, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
13-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 44 days late
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has 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
6 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, Villers-la-Ville · 1 establishment unit since 2014
Ground area
837 m²
Building footprint
80 m²
Parcel 25098E0047/00D000, Wallonia. Linked by address, not a title deed.
1 establishment unit
SLJ Concept
since 20142.229.024.366
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25098E0047/00D000indicative | Wallonia | 836 m² | 1 · 80 m² | - |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector and region
BK Archi
BE 0402.678.672
Sint-Agatha-Berchem
Bureau voor Informatie, Organisatie en Service
BE 0404.683.307
Sint-Jans-Molenbeek
ByMyCar Wavre
BE 0401.480.921
Wavre
CAZIER
BE 0414.046.676
Schaarbeek
CORZY
BE 0404.942.039
Zaventem
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 10,663 companies in sector 47811 we hold annual accounts for 5,225. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded17-12-2013
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46711Wholesale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95316Washing and cleaning of motor vehicles
46180Agents specialised in the wholesale of other particular products
95314Bodywork repair (including spraying and painting)
Contact
E-mail
sljconcept@gmail.com
E-mail
lwoccasion@gmail.comVillers-la-Ville
Phone
010/24.37.03Villers-la-Ville
E-invoicing
Reachable via Peppol
Peppol ID
0208:0543496245
Also
9925:BE0543496245
Registered
19-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.