SSJ
ActiveThe computed 12-month bankruptcy probability of SSJ is 1.7% (moderate). The 2025 annual accounts show equity of €47k and a net result of €16k. Equity is growing by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 38% of 118 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
84
/ 100
Excellent▲ +69 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency67▲+9
Growth52▲+20
Stability94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.23 against 0.93 in 2024), and 59.5% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 32
Relative position
BE, all sectors
reference
Sector 32
lower
← 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
40.5%
Return on assets
14.2%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
2 d early
2024
42 d early
2023
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€16k
2024 · €-7k
2023: €35k
2024: €-7k
2023 → 2025
Working capital
€16k
2024 · €-3k
2023: €9k
2024: €-3k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€37k-€30k▼ 17.9%€47k▲ 54.1%
Operating result€41k-€-6k€20k
Net result€35k-€-7k€16k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €20k after a loss of €6k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €116k
Fixed assets
€31k▼ 7.4%
Current assets
€84k▲ 88.7%
Equity and liabilities €116k
Equity
€47k▲ 54.1%
Debt
€69k▲ 43.1%
The debt ratio falls from 61.3% to 59.5%: equity grows faster than debt.
Key figures and ratios
EBITDA
€27k▲
2024 · €-596
Cash flow
€23k▲
2024 · €-1k
Solvency
40.5%▲
2024 · 38.7%
Current ratio
1.23▲
2024 · 0.93
Quick ratio
0.94▲
2024 · 0.52
Debt / equity
1.47▼
2024 · 1.58
ROE
35.1%▲
2024 · -21.8%
ROA
14.2%▲
2024 · -8.5%
Interest coverage
101.22▲
2024 · -0.66
Debt
€69k▲
2024 · €48k
Debt ≤ 1 year
€69k▲
2024 · €48k
Income taxes
€3k▲
2024 · €-196
Staff costs
€115k▲
2024 · €82k
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€78k€116k▲
Fixed assets21/28€34k€31k▼
Intangible fixed assets21€21k€17k▼
Tangible fixed assets22/27€10k€11k▲
Plant, machinery and equipment23€2k€5k▲
Furniture and vehicles24€990€758▼
Other tangible fixed assets26€7k€6k▼
Financial fixed assets28€3k€3k=
Current assets29/58€45k€84k▲
Stocks and contracts in progress3€20k€20k=
Stocks30/36€20k€20k=
Amounts receivable within one year40/41€21k€30k▲
Trade receivables40€21k€30k▲
Other amounts receivable41€1-
Cash at bank and in hand54/58€1k€29k▲
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€78k€116k▲
Equity10/15€30k€47k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€28k€45k▲
Amounts payable17/49€48k€69k▲
Amounts payable within one year42/48€48k€69k▲
Trade debts44€4k€25k▲
Suppliers440/4€4k€25k▲
Taxes, remuneration and social security45€25k€35k▲
Taxes450/3€20k€27k▲
Remuneration and social security454/9€5k€8k▲
Other amounts payable47/48€19k€9k▼
Income statement
Code20242025
Remuneration, social security and pensions62€82k€115k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€7k▲
Gross operating margin9900€82k€142k▲
Operating profit (loss)9901€-6k€20k▲
Financial income75/76B€126€6▼
Recurring financial income75€126€6▼
Financial charges65/66B€906€266▼
Recurring financial charges65€906€266▼
Profit (loss) for the period before taxes9903€-7k€20k▲
Income taxes67/77€-196€3k▲
Profit (loss) for the period9904€-7k€16k▲
Profit (loss) for the period to be appropriated9905€-7k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€28k€45k▲
Profit (loss) brought forward from the previous period14P€35k€28k▼
Social balance
Average headcount (FTE)90873.94.6▲
The notes to these accounts (9 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-06
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
30-06
Financial
Weakest financial yearnet €-7k ▼119%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · full 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, Schaarbeek · 1 establishment unit since 2025
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.
Notelaarstraat 3521030 SchaarbeekGround area
725 m²
Building footprint
77 m²
Volume, LiDAR
911 m³
Parcel 21911C0004/00N002, Brussels · tallest building 14.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Sample - Slow Jewelry
since 20252.378.720.805
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21911C0004/00N002 | Brussels | 725 m² | 1 · 77 m² | 14.3 m · 4 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.
Similar companies · same sector, comparable size
FORMES LIBRES
BE 0677.476.506
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ARTHABILIS
BE 0473.162.832
Genappe · Eq €49k
Atelier Louiza
BE 0738.422.594
Antwerpen · Eq €44k
D'ORIGINE
BE 0475.160.438
Antwerpen · Eq €43k
GERALDINE RAULIER
BE 1001.855.887
Erquelinnes · Eq €51k
Of 1,524 companies in sector 32123 we hold annual accounts for 225. 182 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-07-2022
Fiscal year end30-06
Activities, NACEBEL
32123Manufacture of jewellery
46190Agents in non-specialised wholesale trade
47770Retail sale of watches and jewellery
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:nora.dursel@gmail.com
Phone:+32494406190