Equity
-€73,691
Debts exceed assets in financial year 2025.
A.B.J.V.
Lifetime
20 annual accounts with figures on one time axispeak €1.4m (2025)
€1.4m▲ 2.8%
lowest -€194,615 (2023)
€6,447▼ 79.4%
peak €83,135 (2022)
-€73,691▲ €6,447
€256,481unchanged
peak 46 FTE (2025)
46 FTE
Board4 names since 2010
2 directorsZahra AZROUR and 1 other
Documentsfilings and deeds
27-07-20264 days before the deadline
2025abbreviated format
Result from €31,343 to €6,447Cash from €51,852 to €73,596
Key points
from the 2025 annual accountsDebts
€256,481 140% of the balance sheet
Financial debts 25%Suppliers 5%Taxes and wages 70%
Of this, €215,455 falls due within a year.
Staff
46 FTE from 72.6 in 2024
Between 2024 and 2025, 37% of the full-time equivalents disappeared.
At the same address
17 companies
Board
2 joined · 1 left
Board changed. Latest change 01-06-2026 · 2 in office.
Position in the sector
-€73,691
Less equity than 93% of companies in office administrative support. Sector median €199,075 · 2,829 companies.
Checked score
55
Fair
Financially stronger than 43% of small companies in office administrative support (NACE 82)
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: 0.1% across 1,123 companies (NACE 82, small).
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.8%
01-2025: 0.7%▼ -0.1 percentage points vs 12-2024
02-2025: 0.7%● unchanged vs 01-2025
03-2025: 0.7%● unchanged vs 02-2025
04-2025: 0.7%● unchanged vs 03-2025
05-2025: 0.7%● unchanged vs 04-2025
06-2025: 0.7%● unchanged vs 05-2025
07-2025: 0.3%▼ -0.4 percentage points vs 06-2025
08-2025: 0.3%● unchanged vs 07-2025
09-2025: 0.3%● unchanged vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026lowest value
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.8%▲ +0.5 percentage points vs 07-2026highest value
09-2026: 0.8%● unchanged vs 08-2026highest value
10-2026: 0.8%● unchanged vs 09-2026highest value
11-2026: 0.8%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€73,691
Size: 46 FTE, total assets €182,790
lowers risk
Liquidity: current ratio 0.82, cash €73,596
Sector: Office administrative, office support and other business support activities (NACE 82)
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 82, small). It does better than 1% of them on solvency, 46% on liquidity, 66% on profitability and 59% on growth.
The bankruptcy probability was computed on 08-11-2026 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, 519 companies had the same profile as A.B.J.V. has now. Each dot stands for 2 companies, two years later.
91.5%
were still trading
3.9%
stopped another way
2.9%
went bankrupt
Another 1.7% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of A.B.J.V. itself: 0.8% within 12 months.
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 519 companies, not a prediction for A.B.J.V.. 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 0.82 (0.87 in 2024), below 1. Short-term debt is 117.9% and cash 40.3% 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 8% of 2828 sector peers (2025).
NBB · sector comparisonPosition among 2828 sector peers
Solvency
better than 8%
← 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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 days early
2024
48 days early
2023
41 days early
2022
38 days early
2021
54 days early
2020
59 days early
2019
3 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 34 days before the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% 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 21 June (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
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Appointment: BALCAEN Nathalie (director)
General meeting of 01-06-2026 · Gazette deed
1 director appointed, 1 resignation
Resignation: Zahra AZROUR · Appointment: ESSIOM SRL · Permanent representative: Jean MOISSE · General meeting of 01-04-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0871282011
Resignation: AZROUR Brahim (director)
Appointment: AZROUR Zahra (director) · Director discharge: AZROUR Brahim · General meeting of 20-12-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| A.B.J.V. Seneffe | €182,790 | €1.4m | -40.3% | 46 |
| JameServices Woluwe-Saint-Lambert | €442,591 | €2.4m | -10.7% | 68.3 |
| ALIZE MEDIA Seneffe | €600,033 | €0.9m | 59.4% | 25.6 |
| B-ENTRA Fleurus | €630,978 | €1.0m | 65.9% | 27.2 |
| World Vision Brussels & EU Representation Brussels | €386,814 | €1.2m | 60.1% | 13.9 |
| ISIS BELGIQUE Mouscron | €221,924 | €0.7m | 66.3% | - |
| QUALITY OF SERVICE Antwerp | €544,643 | €3.3m | -4.6% | 89.8 |
These companies have the same main activity as A.B.J.V.: other business support services (NACE 82990). They are comparable in size and age: total assets between €222,000 and €631,000, founded between 1991 and 2011.
Official details
Source: KBO- Status
- Active since 18-01-2005Normal situation
- Registered office
- 18 active companies are registered at this address2 started in the 12 months before. Source: KBO register, as of 8 November 2026.
- Activity
- Other business support servicesNACE 82990and 1 other
- Joint committees
- 322.01Approved companies for local work and services
- 200Auxiliary committee for white-collar workers · annual accounts 2025
- Establishment unit
- 2.165.483.0327180 Seneffe, since 01-02-2005
- Financial year end
- 31 December
- Peppol
- Reachable since 12-03-2026
Annual accounts 2025
- ≈ €2.2mestimated
- €182,790▲ 3.7%
- Employeeson 31-12-2025
- 72▼ 2.7%
- Filing
- Filed on 27-07-2026, 4 days before the end of the filing period
Insights on A.B.J.V.
A.B.J.V. files the abbreviated format. That format states no turnover. The gross margin rose from €69 in 2006 to €1.4m 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 A.B.J.V.
- What is the company number of A.B.J.V.?
- The company number of A.B.J.V. is 0871.282.011. The VAT number is the same number with BE in front: BE 0871.282.011.
- Where is A.B.J.V. based?
- The registered office is at Chaussée de Mons 55, 7180 Seneffe.Company details
- What does A.B.J.V. do?
- According to the KBO register, the main activity is other business support services (NACE 82990).
- What is the legal form of A.B.J.V.?
- A.B.J.V. is a private limited company (BV).
- When was A.B.J.V. founded?
- A.B.J.V. was founded on 18-01-2005.
- Is A.B.J.V. still active?
- Yes, A.B.J.V. is an active enterprise in the KBO register.
- How many employees does A.B.J.V. have?
- A.B.J.V. had an average of 46 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does A.B.J.V. fall under?
- In its 2025 annual accounts, A.B.J.V. states joint committees 322.01 (Approved companies for local work and services) and 200 (Auxiliary committee for white-collar workers).
- What is the turnover of A.B.J.V.?
- The turnover in financial year 2025 is ≈ €2.2m. This figure is estimated from the gross margin of €1.4m and 40 comparable companies (NACE 82). It probably lies between €1.7m and €3.2m.
- Is A.B.J.V. profitable?
- In financial year 2025, A.B.J.V. made a profit of €6,447.
- Where can I find the annual accounts of A.B.J.V.?
- A.B.J.V. filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of A.B.J.V. due?
- A.B.J.V. must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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