Equity
-€3,353
Debts exceed assets in financial year 2025.
SNJ
Lifetime
7 annual accounts with figures on one time axispeak €128,694 (2022)
€85,223▼ 11.7%
lowest -€89,178 (2020)
€15,947▼ 46.5%
peak -€3,353 (2025)
-€3,353▲ €15,947
€104,886▼ 27.6%
peak 0.5 FTE (2019)
-not published
Board1 name since 2021
1 directorSandra Langendries
Documentsfilings and deeds
19-07-202612 days before the deadline
2025micro format
Result from €29,799 to €15,947Equity from -€19,301 to -€3,353Debts from €144,864 to €104,886
Key points
from the 2025 annual accountsProfit
5 years
5 profitable years in a row. Profit 2025: €15,947.
Turnover
≈ €340,000 estimated
The micro format states no turnover.
Debts
€104,886 103% of the balance sheet
Suppliers 47%Taxes and wages 24%Other 29%
Filings
7 annual accounts 6 late
The 2022 accounts came latest: 31 days after the end of the period.
Position in the sector
-€3,353
Less equity than 91% of companies in specialised construction. Sector median €57,762 · 35,072 companies.
Checked score
55
Fair
Financially stronger than 49% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,692 companies (NACE 43, micro).
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.3%
01-2025: 2.3%● unchanged vs 12-2024
02-2025: 2.3%● unchanged vs 01-2025
03-2025: 2.2%▼ -0.1 percentage points vs 02-2025
04-2025: 2.2%● unchanged vs 03-2025
05-2025: 2.2%● unchanged vs 04-2025
06-2025: 2.1%▼ -0.1 percentage points vs 05-2025
07-2025: 2.2%▲ +0.1 percentage points vs 06-2025
08-2025: 2.9%▲ +0.7 percentage points vs 07-2025highest value
09-2025: 1.6%▼ -1.3 percentage points vs 08-2025
10-2025: 1.6%● unchanged vs 09-2025
11-2025: 1.6%● unchanged vs 10-2025
12-2025: 1.5%▼ -0.1 percentage points vs 11-2025
01-2026: 1.4%▼ -0.1 percentage points vs 12-2025
02-2026: 1.4%● unchanged vs 01-2026
03-2026: 1.4%● unchanged vs 02-2026
04-2026: 1.4%● unchanged vs 03-2026
05-2026: 1.4%● unchanged vs 04-2026
06-2026: 1.2%▼ -0.2 percentage points vs 05-2026
07-2026: 1.3%▲ +0.1 percentage points vs 06-2026
08-2026: 0.8%▼ -0.5 percentage points vs 07-2026
09-2026: 0.8%● unchanged vs 08-2026lowest value
10-2026: 0.8%● unchanged vs 09-2026lowest value
11-2026: 0.8%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€3,353
Sector: Specialised construction activities (NACE 43)
lowers risk
Size: total assets €101,533
Liquidity: current ratio 0.74, cash €29,688
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 43, micro). It does better than 8% of them on solvency, 25% on liquidity, 74% on profitability and 89% on growth.
The bankruptcy probability was computed on 05-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 2,180 companies had the same profile as SNJ has now. Each dot stands for 6 companies, two years later.
88.7%
were still trading
5.8%
stopped another way
4.8%
went bankrupt
Another 0.6% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of SNJ itself is lower: 0.8% within 12 months. It rests on far more data about SNJ than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,180 companies, not a prediction for SNJ. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.74 (0.63 in 2024), below 1. Short-term debt is 103.3% and cash 29.2% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 35060 sector peers (2025).
NBB · sector comparisonPosition among 35060 sector peers
Solvency
better than 9%
← 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 19-07-2026, 12 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
12 days early
2024
29 days late
2023
29 days late
2022
31 days late
2021
11 days late
2020
23 days late
2019
28 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 20 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% 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. The company usually files around 29 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0694705288
Company renamed from GROUP TJL-EVENTS to SNJ
Change of role: Sandra Langendries, from manager to director · “De aan-en verkoop, huur en verhuur van tenten, podia, (dans)vloeren en alle daarbij horende voorzieningen…” (deed in Dutch) · Legal-form conversion: from private limited company (pre-2019) to private limited company · Gazette deed
Incorporation
published on 16-04-2018 · Gazette deed
First establishment
Kalenberg 12, Lubbeek
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SNJ Lubbeek | €101,533 | €85,223 | -3.3% | - |
| AGA INTERIEUR Sint-Niklaas | €103,447 | €89,435 | 62.9% | - |
| AluDesign Construct Somme-Leuze | €105,702 | €87,054 | 53.8% | - |
| HC Automatisation Rebecq | €105,573 | €71,230 | 56.9% | - |
| HDS Schrijn- en timmerwerken Lochristi | €119,757 | €92,500 | 57.1% | - |
| BDV WINDOWS Stabroek | €115,807 | €73,340 | 33.7% | - |
| SKY FRAME Wavre | €118,031 | €90,700 | 57.8% | - |
These companies have the same main activity as SNJ: joinery installation (NACE 43320). They are comparable in size and age: total assets between €103,000 and €120,000, founded between 2017 and 2019.
Official details
Source: KBO- Status
- Active since 12-04-2018Normal situation
- Activity
- Joinery installationNACE 43320and 6 others
- Joint committees
- 109Clothing and garment industry
- 215White-collar workers in the clothing and garment industry · annual accounts 2025
- Establishment unit
- 2.274.912.5913210 Lubbeek, since 12-04-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 02-10-2025
Annual accounts 2025
- €101,533▼ 19.1%
- Employeeson 31-12-2025
- 1=
- Filing
- Filed on 19-07-2026, 12 days before the end of the filing period
Insights on SNJ
SNJ files the micro format. That format states no turnover. The gross margin fell from €113,522 in 2019 to €85,223 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SNJ
- What is the company number of SNJ?
- The company number of SNJ is 0694.705.288. The VAT number is the same number with BE in front: BE 0694.705.288.
- Where is SNJ based?
- The registered office is at Kalenberg 12, 3210 Lubbeek.Company details
- What does SNJ do?
- According to the KBO register, the main activity is joinery installation (NACE 43320).
- What is the legal form of SNJ?
- SNJ is a private limited company (BV).
- When was SNJ founded?
- SNJ was founded on 12-04-2018.
- Is SNJ still active?
- Yes, SNJ is an active enterprise in the KBO register.
- How many employees does SNJ have?
- SNJ had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does SNJ fall under?
- In its 2025 annual accounts, SNJ states joint committees 109 (Clothing and garment industry) and 215 (White-collar workers in the clothing and garment industry).
- What is the turnover of SNJ?
- The turnover in financial year 2025 is ≈ €340,000. This figure is estimated from the gross margin of €85,223 and 38 comparable companies (NACE 43320). It probably lies between €250,000 and €530,000.
- Is SNJ profitable?
- In financial year 2025, SNJ made a profit of €15,947.
- Where can I find the annual accounts of SNJ?
- SNJ filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SNJ due?
- SNJ must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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