SKJ
ActiveThe computed 12-month bankruptcy probability of SKJ is 2.2% (moderate). The 2024 annual accounts show equity of €12k and a net result of €-25k. Equity remains stable across the filed fiscal years (±2.3% per year). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-100
Solvency97▲+79
Growth32▼-46
Stability100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.17 against 0.47 in 2023), and 45% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · 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 2024Solvency, return and age of the figures
Solvency
55%
Return on assets
-117.5%
Age of the figures
20 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
27 d late
2023
30 d late
2022
32 d early
2021
27 d early
2020
17 d early
2019
7 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€12k▼ 68.1%
2023 · €36k
2019: €18k
2020: €26k
2021: €25k
2022: €25k
2023: €36k
2019 → 2024
Total assets
€21k▼ 87.5%
2023 · €167k
2019: €19k
2020: €28k
2021: €26k
2022: €25k
2023: €167k
2019 → 2024
Net result
€-25k
2023 · €11k
2019: €-538
2020: €8k
2021: €-2k
2022: €578
2023: €11k
2019 → 2024
Working capital
€11k
2023 · €-69k
2019: €18k
2020: €26k
2021: €25k
2022: €25k
2023: €-69k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€26k-€25k▼ 7.0%€25k▲ 2.4%€36k▲ 43.4%€12k▼ 68.1%
Operating result€10k-€-2k€656€11k▲ 1,631%€-25k
Net result€8k-€-2k€578€11k▲ 1,790%€-25k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €25k after €11k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €21k
Fixed assets
€441▼ 99.6%
Current assets
€20k▼ 66.6%
Equity and liabilities €21k
Equity
€12k▼ 68.1%
Debt
€9k▼ 92.8%
The debt ratio falls from 78.4% to 45.0%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-24k▼
2023 · €21k
Cash flow
€-24k▼
2023 · €21k
Solvency
55.0%▲
2023 · 21.6%
Current ratio
2.17▲
2023 · 0.47
Quick ratio
2.17▲
2023 · 0.47
Debt / equity
0.82▼
2023 · 3.62
ROE
-213.7%▼
2023 · 30.3%
ROA
-117.5%▼
2023 · 6.6%
Interest coverage
-425.93▼
2023 · 229.20
Debt
€9k▼
2023 · €131k
Debt ≤ 1 year
€9k▼
2023 · €131k
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€167k€21k▼
Fixed assets21/28€105k€441▼
Intangible fixed assets21€2k-
Tangible fixed assets22/27€103k€441▼
Furniture and vehicles24€103k€441▼
Current assets29/58€61k€20k▼
Amounts receivable within one year40/41€60k€13k▼
Trade receivables40€45k€753▼
Other amounts receivable41€15k€13k▼
Cash at bank and in hand54/58€2k€7k▲
Equity and liabilities
Total equity and liabilities10/49€167k€21k▼
Equity10/15€36k€12k▼
Contributions10/11€19k€19k=
Reserves13€17k-
Distributable reserves133€17k-
Profit (loss) carried forward14-€-7k
Amounts payable17/49€131k€9k▼
Amounts payable within one year42/48€131k€9k▼
Trade debts44€605€1k▲
Suppliers440/4€605€1k▲
Taxes, remuneration and social security45€336€336=
Taxes450/3€336€336=
Other amounts payable47/48€130k€8k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€245▼
Other operating charges640/8€5k€2k▼
Non-recurring operating charges66A-€11k
Gross operating margin9900€26k€-11k▼
Operating profit (loss)9901€11k€-25k▼
Financial charges65/66B€93€57▼
Recurring financial charges65€93€57▼
Profit (loss) for the period before taxes9903€11k€-25k▼
Income taxes67/77€336-
Profit (loss) for the period9904€11k€-25k▼
Profit (loss) for the period to be appropriated9905€11k€-25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€-25k▼
Transfer from equity791/2-€17k
Transfer to equity691/2€11k-
To other reserves6921€11k-
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
31-12
Financial
Weakest financial yearnet €-25k ▼325%
Net result drops to €-25k, the lowest in the series.
31-12
Financial
Liquidity times 5current ratio 2.17
Current ratio from 0.47 to 2.17; short-term debt falls from €131k to €9k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Highest result since 2019net €11k ▲1790%
Operating result €11k, net result €11k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €578
Net result €578 after one loss-making year.
31-12
Financial
Liquidity times 10current ratio 144.56
Current ratio from 14.16 to 144.56; short-term debt falls from €2k to €175.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated 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, Brugge · 1 establishment unit since 2018
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.
Koningin Elisabethlaan 258000 BruggeGround area
276 m²
Building footprint
63 m²
Volume, LiDAR
687 m³
Parcel 31805E0854/00F012, Flanders · tallest building 15.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
SKJ
since 20182.275.479.547
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31805E0854/00F012 | Flanders | 276 m² | 1 · 63 m² | 15.8 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-04-2018
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.