Skip to content
Checked.be
Complete company report
Generated 04-09-2026
Active BE 0788.646.028Private limited company

S&J LOCK

Kluitingstraat 87 ·1800 Vilvoorde, Belgium· 4 yrs active
Sector: Repair and maintenance of other personal and household goods (95290)
Conclusion Checked

The computed 12-month bankruptcy probability of S&J LOCK is 1.5% (moderate). The 2024 annual accounts show equity of €873 and a net result of €717. Its solvency ranks better than 40% of 924 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €873
Net result €717
Better than sector 40%
Active 4 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health68Profitability100Solvency25Growth78Stability94
73 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 68
Profitability 100
Solvency 25
Growth 78
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
1.5% Moderate
0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score FY 2024 · computed
68 / 100 Healthy
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
No credit
negative equity or figures too weak
Score components
Liquidity Current ratio 1.17 (≥ 1.0) +5
Quick ratio Quick ratio 1.17 (≥ 1.0) +5
Leverage Debt/equity 5.73 (> 3.0) -10
Profitability ROE 82% (≥ 10%) +10
Profit trend Net profit up YoY +5
Equity growth Equity growing YoY +3
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 31-08-2025 with the NBB · fiscal year 2024 · micro schema
€-3k€-2k€-1k€0€1kOperating result 2023: €-2k€-2kNet result 2023: €-2k€-2kOperating result 2024: €717€717Net result 2024: €717€71720232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 14.9% 24.6%
better than 40% of 924 sector peers
Net result €717 €5k
better than 35% of 920 sector peers
Equity €873 €17k
better than 27% of 925 sector peers
Gross operating margin €717 €27k
better than 16% of 919 sector peers
Total assets €6k €81k
better than 5% of 924 sector peers
Net profit
€717
- 23-24
Total assets
€6k
- 23-24
Equity
€873
- 23-24
Working capital
€873
- 23-24
Debt
€5k
+124.2% 23-24
Debt ≤ 1y
€5k
+124.2% 23-24
Current ratio
1.17
- 23-24
Quick ratio
1.17
- 23-24
Solvency
14.9%
- 23-24
Debt / equity
5.73
- 23-24
ROE
82.1%
-17.9% 23-24
ROA
12.2%
- 23-24
Figures by fiscal year and ratios
Fiscal year20242023
Depositmicro schemamicro schema
Revenue--
EBITDA--
Net profit€717€-2k
Cash flow--
Staff costs--
Income taxes--
Dividends--
Total assets€6k-
Equity€873€-2k
Debt€5k€2k
of which ≤ 1y€5k€2k
of which > 1y--
Working capital€873-
Employees (FTE)--
Ratios (computed)
20242023
Current ratio1.17-
Quick ratio1.17-
Working capital ratio14.9%-
Solvency14.9%-
Debt / equity5.73-1.00
Long-term debt ratio--
Interest coverage--
Gross margin--
Net margin--
ROA12.2%-
ROE82.1%100.0%
EBITDA margin--
Days sales outstanding--
Days payable outstanding--
Inventory turnover--
Days inventory (DSI)--
Balance-sheet composition 2024
Full annual accounts (15 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code20242023
Balance sheet, Assets
TOTAL ASSETS 20/58€6k-
Current assets 29/58€6k-
Amounts receivable within one year 40/41€6k-
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€6k€0
Equity 10/15€873€-2k
Contributions / capital 10/11€1k-
Accumulated profits (losses) 14€-317€-2k
Amounts payable 17/49€5k€2k
Amounts payable within one year 42/48€5k€2k
Trade debts payable within one year 44€5k€1k
Income statement
Gross operating margin 9900€717€-2k
Operating result 9901€717€-2k
Result before taxes 9903€717€-2k
Net result for the period 9904€717€-2k
Result to be appropriated 9905€717€-2k
Legal Structure
NACE primary Repair and maintenance of other personal and household goods(95290)
Legal form Private limited company(610)
Incorporation15-07-2022
StatusActive
Postal code1800
Establishment units 1 location
S&J LOCK
Grimbergsesteenweg 32, 1800 VilvoordeRepair and maintenance of other personal and household goods
since 20232.343.112.303
Real-estate footprint Source: CBE × cadastre
Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23643G0028/00L000 Flanders 386 m² 1 · 96 m² 9.8 m · 2 fl.
23645C0252/00K005 Flanders 121 m² 1 · 121 m² 13.1 m · 3 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 3 events
2025
31-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial Back to profitnet €717
Net result €717 after one loss-making year.
18-12
State Gazette act Registered-office change
Jebari Saber
07-10
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
Address history · 1
18-12-2024
Registered-office move
All acts · 1 updated 1 year ago
2024
18-12-2024 Registered office moved within Vilvoorde Registered-office change·Jebari Saber
  • Grimbergsesteenweg 32, 1800 Vilvoorde → Kluitingstraat 87, 1800 Vilvoorde
Notary: Jebari Saber · Luik
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Kluitingstraat 87, 1800 Vilvoorde",
        "city": "Vilvoorde",
        "region": "vlaams_gewest",
        "street": "Kluitingstraat",
        "country": "BE",
        "postcode": "1800",
        "box_number": null,
        "street_number": "87",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Grimbergsesteenweg 32, 1800 Vilvoorde",
        "city": "Vilvoorde",
        "region": "vlaams_gewest",
        "street": "Grimbergsesteenweg",
        "country": "BE",
        "postcode": "1800",
        "box_number": null,
        "street_number": "32",
        "locality_suffix": null
      },
      "effective_date": null,
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "not_specified",
      "statutaire_vs_werkelijke": "beide",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": "Jebari Saber",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Luik",
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2024-12-18",
    "filing_date": "2024-04-22",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "date": "2024-04-22",
    "unanimous": true
  },
  "subject_company": {
    "kbo": "0788.646.028",
    "name_full": "S\u0026J LOCK",
    "legal_form": "BV",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Jebari Saber",
    "org_rep_person_name": null,
    "person_role_at_subject": "Zaakvoerder"
  },
  "co_filed_documents": []
}
Credit advice verdict per customer and amount
Company registry (CBE) Crossroads Bank
Activities
Repair and maintenance of other personal and household goods95290
Names & trade names
Legal nameNL S&J LOCK
Similar companies Comparable size · 389 of 2,562 companies in this sector with filed accounts
ROCOCKX RESTORATION BE 0448.055.569 · Schoten
META KIME BE 0477.264.645 · Asse
Ardur BE 0875.686.801 · Blankenberge
SAMIN BE 0793.476.430 · Herentals
SOLUBATI BE 0780.553.753 · Vorst
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative