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TDJ

Active
Public limited companyfounded 2010active for 15 yearsAvenue Zénobe Gramme 23A, 1300 Wavre, BelgiumKBO/BCE: BE 0831.773.614
Summary

TDJ has been active since 2010 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €987,706 and a net result of €308,429. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 75% of 5,040 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Overview

Official details

Source: KBO
Status
Active since 09-12-2010 Normal situation
Activity
Retail sale of watches and jewellery NACE 47770and 1 other
Establishment unit
2.240.831.543 1300 Wavre, since 09-12-2010
Financial year end
30 June
Peppol
Reachable since 15-12-2025

Board and ownership

Board
Shareholders
  • G.D. ADVICE· score 952025 annual accounts of G.D. ADVICE

Financial position

57 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
0.6%
Annual accounts to 30-06-2025
Turnover
€0
Profit
€308,429
▲ 49.7%
Equity
€987,706
▲ 45.4%
Total assets
€1.6m
▼ 14.8%
Employees on 30-06-2025
7
▲ 16.7%
  • 2025 accounts filed 95 days after the deadline
Score breakdownraises riskCapped at 59: a confirmed filing findingLast filed accounts filed 96 days late; 1 of the last 3 accounts lateLiquidity: current ratio 1.86, cash €6,336lowers riskFounded in 2010Equity €987,706 (61.2% of total assets)Show the evidence

Checked score

Score 2025
57 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 69% of micro companies in retail trade (NACE 47)
A confirmed filing finding caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Strong
Solvency 86+25
equity 61.2% of total assets
Liquidity 35+14
short-term debt 35.0% · cash 0.4%
Profitability 93+11
return on assets 19.1%
Bankruptcy probability within 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%

About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,278 companies, NACE 47, micro)
Last 24 months 12-2024: 0.8% 01-2025: 1.2%▲ +0.4 percentage points vs 12-2024 02-2025: 1.6%▲ +0.4 percentage points vs 01-2025 03-2025: 1.9%▲ +0.3 percentage points vs 02-2025 04-2025: 0.5%▼ -1.4 percentage points vs 03-2025lowest value 05-2025: 0.5%● unchanged vs 04-2025lowest value 06-2025: 0.5%● unchanged vs 05-2025lowest value 07-2025: 0.5%● unchanged vs 06-2025lowest value 08-2025: 0.5%● unchanged vs 07-2025lowest value 09-2025: 0.5%● unchanged vs 08-2025lowest value 10-2025: 0.6%▲ +0.1 percentage points vs 09-2025 11-2025: 0.6%● unchanged vs 10-2025 12-2025: 0.6%● unchanged vs 11-2025 01-2026: 0.8%▲ +0.2 percentage points vs 12-2025 02-2026: 1.3%▲ +0.5 percentage points vs 01-2026 03-2026: 1.6%▲ +0.3 percentage points vs 02-2026 04-2026: 2.3%▲ +0.7 percentage points vs 03-2026 05-2026: 2.3%● unchanged vs 04-2026highest value 06-2026: 0.7%▼ -1.6 percentage points vs 05-2026 07-2026: 0.7%● unchanged vs 06-2026 08-2026: 0.6%▼ -0.1 percentage points vs 07-2026 09-2026: 0.6%● unchanged vs 08-2026 10-2026: 0.6%● unchanged vs 09-2026 11-2026: 0.6%● unchanged vs 10-2026
Credit of up to €55,000 on 30-day terms, only on tighter conditions: the latest accounts were filed more than 90 days after the deadline
Liquidity is ample, with a current ratio of 1.86 (0.58 in 2024), above the usual 1.5. Short-term debt is 35% and cash 0.4% of total assets. 38.8% of the assets are financed with debt and provisions.
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 47, micro). It does better than 74% of them on solvency, 32% on liquidity, 87% on profitability and 85% on growth.

The bankruptcy probability was computed on 04-11-2026 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 30-06-2025.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
raises risk · Last filed accounts filed 96 days late; 1 of the last 3 accounts late
NBB · filings
lowers risk · Founded in 2010
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Liquidity: current ratio 1.86, cash €6,336
NBB · annual accounts
lowers risk · Equity €987,706 (61.2% of total assets)
NBB · annual accounts
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
19202122232425
2019 to 2025 · latest year €987,706
raises risk · 2025 accounts filed 95 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 06-05-2026, 95 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 10 filings
Deviation from the deadline
2025
95 days late
2024
28 days late
2023
7 days late
2022
23 days late
2021
119 days late
2020
2 days early
2019
137 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 58 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 28 February (4 of the last 5 accounts filed within 67 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end05-11-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Subsidiary with negative equityFRUTTI -€531,139 View
  • Caution: Directors leftlatest change 08-01-2026 · 1 in office 2 left View
  • Positive: Higher net result than 82% of companies in retail tradesector median €39,955 · 5,039 companies €308,429 View
  • Positive: Result rose in 2025from €205,992 to €308,429 ▲ 49.7% View

Recent changes

  1. · Gazette deed 3 directors resigning, 1 director reappointedResignations: HAYEZ Jacques, GOLENVAUX Thierry and BRONCHART Daniel · Reappointment: BRONCHART Daniel (sole director) · Director discharge: HAYEZ Jacques
  2. · Gazette deed Merger proposal: TDJ takes over EmcecoThe company holds all the shares of Emceco
  3. · Gazette deed Incorporation
All 18 events

Comparable companies

These companies have the same main activity as TDJ: retail sale of watches and jewellery (NACE 47770). They are comparable in size and age: total assets between €1.3m and €2.6m, founded between 2008 and 2015.

CompanyTotal assetsGross margin
TDJ Wavre€1.6m€0.7m
BIJOUTERIE JC LAMBERT Verviers€2.5m€0.9m
LOUMYA Gembloux€2.6m€0.7m
LA MAISON FRERES Waremme€2.4m€0.6m
LORE VAN KEER Meise€1.5m€0.5m
TB Style Liège€1.4m€0.6m
LAURENT JEWELS Mons€1.3m€0.3m
Full comparison

Key facts about TDJ

What is the company number of TDJ?
The company number of TDJ is 0831.773.614. The VAT number is the same number with BE in front: BE 0831.773.614.
Where is TDJ based?
The registered office is at Avenue Zénobe Gramme 23A, 1300 Wavre.Company details
What does TDJ do?
According to the KBO register, the main activity is retail sale of watches and jewellery (NACE 47770).
What is the legal form of TDJ?
TDJ is a public limited company (NV).
When was TDJ founded?
TDJ was founded on 09-12-2010.
Is TDJ still active?
Yes, TDJ is an active enterprise in the KBO register.
How many employees does TDJ have?
TDJ had an average of 5.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of TDJ?
The turnover of TDJ was €0 in financial year 2025, according to the filed annual accounts.
Is TDJ profitable?
In financial year 2025, TDJ made a profit of €308,429.
Where can I find the annual accounts of TDJ?
TDJ filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of TDJ due?
TDJ must file the annual accounts for financial year 2026 by 31-01-2027.Timeline

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