TOJEMA

Active

Private limited companyfounded 20224 yrs activeOsylei 36, 2640 Mortsel, BelgiumKBO/BCE: BE 0786.419.778

TOJEMA has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €19k and a net result of €4k. Its solvency ranks better than 74% of 37971 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).

Watch Print / PDF

Checked score

Score 2024

85 / 100

Excellent= vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency100=

Growth52

Stability94

Bankruptcy probability, 12 months

0.5% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €2k at 30 days acceptable

Liquidity ample (current ratio 5.56 against 6.1 in 2023), and 21.3% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 70

Relative position

BE, all sectors

reference

Sector 70

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2024

Solvency, return and age of the figures

Solvency

78.7%

Return on assets

17.5%

Age of the figures

20 mo

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-07-2025, 6 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

not confirmed

2024

6 d early

2023

6 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€19k▲ 28.7%

2023 · €15k

2023: €15k

2023 → 2024

Total assets

€24k▲ 30.2%

2023 · €18k

2023: €18k

2023 → 2024

Net result

€4k▼ 56.6%

2023 · €10k

2023: €10k

2023 → 2024

Working capital

€20k▲ 27.6%

2023 · €15k

2023: €15k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€15k-€19k▲ 28.7%

Operating result€12k-€5k▼ 56.1%

Net result€10k-€4k▼ 56.6%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2024; 2024 is 56% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Equity and liabilities €24k

78.7%

21.3%

Equity €19k▲ 28.7%

Debt €5k▲ 35.9%

The debt ratio rises from 20.4% to 21.3%: debt grows faster than equity.

Key figures and ratios

2024 value · change against 2023

Solvency

78.7%▼

2023 · 79.6%

Current ratio

5.56▼

2023 · 6.10

Quick ratio

5.56▼

2023 · 6.10

Debt / equity

0.27▲

2023 · 0.26

ROE

22.3%▼

2023 · 66.0%

ROA

17.5%▼

2023 · 52.5%

Debt

€5k▲

2023 · €4k

Debt ≤ 1 year

€4k▲

2023 · €3k

Income taxes

€1k▼

2023 · €2k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€18k€24k▲

Current assets29/58€18k€24k▲

Amounts receivable within one year40/41€3k€3k=

Trade receivables40€3k€3k=

Current investments50/53-€16k

Cash at bank and in hand54/58€15k€5k▼

Equity and liabilities

Total equity and liabilities10/49€18k€24k▲

Equity10/15€15k€19k▲

Contributions10/11€5k€5k=

Profit (loss) carried forward14€10k€14k▲

Amounts payable17/49€4k€5k▲

Amounts payable within one year42/48€3k€4k▲

Taxes, remuneration and social security45€2k€4k▲

Taxes450/3€2k€4k▲

Other amounts payable47/48€558€806▲

Accrued charges and deferred income492/3€750€805▲

Income statement Code20232024

Other operating charges640/8€109€118▲

Gross operating margin9900€12k€5k▼

Operating profit (loss)9901€12k€5k▼

Financial charges65/66B€59€98▲

Recurring financial charges65€59€98▲

Profit (loss) for the period before taxes9903€12k€5k▼

Income taxes67/77€2k€1k▼

Profit (loss) for the period9904€10k€4k▼

Profit (loss) for the period to be appropriated9905€10k€4k▼

Appropriation of the result

Profit (loss) to be appropriated9906€10k€14k▲

Profit (loss) brought forward from the previous period14P-€10k

The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 2Filings 2

2025

25-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

25-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Mortsel · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Osylei 362640 Mortsel

Ground area

1,218 m²

Building footprint

183 m²

Volume, LiDAR

1,510 m³

Parcel 11029A0195/00N007, Flanders · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

Osylei 36, 2640 Mortsel

Agents specialised in the wholesale of other particular products

since 20222.331.552.277

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11029A0195/00N007	Flanders	1,218 m²	1 · 182 m²	11.1 m · 3 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

Engels Consulting

BE 0766.302.968

Destelbergen · Eq €19k

Philippe Noben Consulting

Chaudfontaine · Eq €19k

AcaDO Consulting

BE 1001.067.912

Merelbeke-Melle · Eq €19k

URock

BE 0472.662.489

Braine-l'Alleud · Eq €19k

Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 29,902 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded20-05-2022

Fiscal year end31-12

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

46180Agents specialised in the wholesale of other particular products

70210Activities of head offices; management consultancy activities

73110Advertising agencies

73200Market research and public opinion polling

73300Public relations and communication consultancy

78200Temporary employment agencies and other provision of personnel

78300Employment activities

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.