ESJA
ActiveSummary
ESJA has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €76k and a net result of €4k. Equity is growing by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 75% of 2008 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-17
Solvency94▼-6
Growth52=
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.5 against 4.47 in 2024; short-term debt: 30.9% and cash: 47.9% of total assets), and 30.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 71
Relative position
BE, all sectors
reference
Sector 71
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
69.1%
Return on assets
3.3%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
16 d early
2022
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€76k▼ 21.6%
2024 · €96k
2022: €60k
2023: €77k
2024: €96k
2022 → 2025
Total assets
€109k▼ 4.7%
2024 · €115k
2022: €104k
2023: €110k
2024: €115k
2022 → 2025
Net result
€4k▼ 81.3%
2024 · €19k
2022: €57k
2023: €19k
2024: €19k
2022 → 2025
Working capital
€51k▼ 20.3%
2024 · €64k
2022: €12k
2023: €38k
2024: €64k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€60k-€77k▲ 28.0%€96k▲ 24.6%€76k▼ 21.6%
Operating result€77k-€29k▼ 62.6%€26k▼ 11.5%€7k▼ 73.2%
Net result€57k-€19k▼ 67.4%€19k▲ 2.4%€4k▼ 81.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 73% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €109k
Fixed assets
€25k ▼ 24.3%
Current assets
€85k ▲ 3.1%
Equity and liabilities €109k
Equity
€76k ▼ 21.6%
Debt
€34k ▲ 83.9%
Debt's share of the balance-sheet total rises from 16.0% to 30.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€15k▼
2024 · €39k
Cash flow
€11k▼
2024 · €33k
Current ratio
2.50▼
2024 · 4.47
Debt to equity
0.45▲
2024 · 0.19
ROE
4.7%▼
2024 · 19.8%
ROA
3.3%▼
2024 · 16.6%
Interest coverage
327.92▲
2024 · 257.65
Debt ≤ 1 year
€34k▲
2024 · €18k
Income taxes
€4k▼
2024 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€115k€109k▼
Fixed assets21/28€33k€25k▼
Intangible fixed assets21€14k€12k▼
Tangible fixed assets22/27€18k€12k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€6k€3k▼
Other tangible fixed assets26€8k€7k▼
Current assets29/58€82k€85k▲
Amounts receivable within one year40/41€31k€32k▲
Trade receivables40€29k€17k▼
Other amounts receivable41€2k€15k▲
Cash at bank and in hand54/58€50k€52k▲
Deferred charges and accrued income490/1€773€266▼
Equity and liabilities
Total equity and liabilities10/49€115k€109k▼
Equity10/15€96k€76k▼
Contributions10/11€5k€5k=
Reserves13€91k€71k▼
Distributable reserves133€91k€71k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€18k€34k▲
Amounts payable within one year42/48€18k€34k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€8k€7k▼
Suppliers440/4€8k€7k▼
Taxes, remuneration and social security45€10k€2k▼
Taxes450/3€10k€2k▼
Other amounts payable47/48€864€24k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€8k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€41k€16k▼
Operating profit (loss)9901€26k€7k▼
Financial income75/76B€773€328▼
Recurring financial income75€773€328▼
Financial charges65/66B€153€45▼
Recurring financial charges65€153€45▼
Profit (loss) for the period before taxes9903€26k€7k▼
Income taxes67/77€7k€4k▼
Profit (loss) for the period9904€19k€4k▼
Profit (loss) for the period to be appropriated9905€19k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€4k▼
Transfer from equity791/2-€21k
Transfer to equity691/2€19k€0▼
To other reserves6921€19k€0▼
Profit to be distributed694/7€0€24k▲
Return on contributions (dividend)694€0€24k▲
The notes to these accounts (8 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €4k ▼81.3%
Net result drops to €4k, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity doublescurrent ratio 4.47
Current ratio from 2.22 to 4.47; short-term debt falls from €31k to €18k.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Brugge · 1 establishment unit since 2022
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.
Peter Benoitlaan 248200 BruggeGround area
476 m²
Building footprint
84 m²
Volume, LiDAR
679 m³
Parcel 31424B0771/00P002, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ESJA
since 20222.329.941.879
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31424B0771/00P002 | Flanders | 476 m² | 1 · 84 m² | 10.5 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
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MASTERGOLF INTERNATIONAL
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KATRIJN VAN ROEY ARCHITECT
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Buro 3sVD
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Of 2,264 companies in sector 71113 we hold annual accounts for 658. 550 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-2022
Fiscal year end31-12
Activities, NACEBEL 2025
71113Urban planning and landscape architecture
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.