A.D.J.
ActiveA.D.J. has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €12k. Equity is growing by ~56.3% per year across the filed fiscal years. Its solvency ranks better than 28% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+64
Solvency33▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.05 against 1.01 in 2024; short-term debt: 92.2% and cash: 12.8% of total assets), and 92.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-01-2026, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
on the day
2023
on the day
2022
4 d early
2020
23 d late
2019
on the day
2018
41 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€21k▲ 150%
2024 · €8k
2019: €-60k
2020: €-45k
2022: €25k
2023: €23k
2024: €8k
2019 → 2025
Total assets
€263k▲ 10.7%
2024 · €238k
2019: €170k
2020: €193k
2022: €228k
2023: €254k
2024: €238k
2019 → 2025
Net result
€12k
2024 · €-15k
2019: €33k
2020: €15k
2022: €68k
2023: €-2k
2024: €-15k
2019 → 2025
Working capital
€13k▲ 587%
2024 · €2k
2019: €9k
2020: €23k
2022: €16k
2023: €15k
2024: €2k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€-45k-€25k€23k▼ 6.3%€8k▼ 64.2%€21k▲ 150%
Operating result€16k-€74k▲ 370%€2k▼ 97.9%€-13k€17k
Net result€15k-€68k▲ 351%€-2k€-15k▼ 856%€12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €17k after a loss of €13k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €263k
Fixed assets
€8k▲ 18.8%
Current assets
€255k▲ 10.4%
Equity and liabilities €263k
Equity
€21k▲ 150%
Debt
€242k▲ 5.7%
The debt ratio falls from 96.5% to 92.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€18k▲
2024 · €-10k
Cash flow
€13k▲
2024 · €-12k
Solvency
7.8%▲
2024 · 3.5%
Current ratio
1.05▲
2024 · 1.01
Quick ratio
0.23▲
2024 · 0.21
Debt / equity
11.77▼
2024 · 27.80
ROE
59.9%▲
2024 · -179.3%
ROA
4.7%▲
2024 · -6.2%
Interest coverage
10.42▲
2024 · -10.76
Debt
€242k▲
2024 · €229k
Debt ≤ 1 year
€242k▲
2024 · €229k
Income taxes
€3k▲
2024 · €513
Staff costs
€28k▲
2024 · €26k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€238k€263k▲
Fixed assets21/28€6k€8k▲
Tangible fixed assets22/27€1k€2k▲
Furniture and vehicles24€1k€2k▲
Financial fixed assets28€5k€5k=
Current assets29/58€231k€255k▲
Stocks and contracts in progress3€182k€199k▲
Stocks30/36€182k€199k▲
Amounts receivable within one year40/41€43k€16k▼
Trade receivables40€43k€16k▼
Other amounts receivable41€0-
Cash at bank and in hand54/58€5k€34k▲
Deferred charges and accrued income490/1€1k€7k▲
Equity and liabilities
Total equity and liabilities10/49€238k€263k▲
Equity10/15€8k€21k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133-€126
Profit (loss) carried forward14€-12k€0▲
Amounts payable17/49€229k€242k▲
Amounts payable within one year42/48€229k€242k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€56k€79k▲
Suppliers440/4€56k€79k▲
Advances received on contracts in progress46€32k€10k▼
Taxes, remuneration and social security45€3k€10k▲
Taxes450/3€1k€8k▲
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€138k€143k▲
Income statement
Code20242025
Remuneration, social security and pensions62€26k€28k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€486▼
Other operating charges640/8€11k€2k▼
Gross operating margin9900€27k€48k▲
Operating profit (loss)9901€-13k€17k▲
Financial income75/76B€1€1▲
Recurring financial income75€1€1▲
Financial charges65/66B€949€2k▲
Recurring financial charges65€949€2k▲
Profit (loss) for the period before taxes9903€-14k€15k▲
Income taxes67/77€513€3k▲
Profit (loss) for the period9904€-15k€12k▲
Profit (loss) for the period to be appropriated9905€-15k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€126▲
Profit (loss) brought forward from the previous period14P€3k€-12k▼
Transfer to equity691/2-€126
To other reserves6921-€126
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
Next filing, fiscal year 2026, expected by
2026
26-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €12k
Net result €12k after 2 loss-making years.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €68k ▲351%
Operating result €74k, net result €68k, both a record.
2021
23-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
21-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 27 days late
2016
19-01
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Antwerpen · 2 establishment units since 1991
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.
Lamorinièrestraat 62018 AntwerpenGround area
305 m²
Building footprint
248 m²
Volume, LiDAR
2,488 m³
2 parcels, Flanders · tallest building 17.4 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
ANTWERP DIAMOND JEWELRY
since 19912.052.838.219
ANTWERP DIAMOND JEWELRY
since 19912.052.838.318
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11806F1234/00T012 | Flanders | 167 m² | 1 · 110 m² | 17.4 m · 4 fl. |
| 31806F0633/00B000 | Flanders | 137 m² | 1 · 137 m² | 13.8 m · 4 fl. |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
DesignConsulting
BE 0668.803.617
Mechelen · Eq €20k
4U by Margaux Spruyt
BE 0838.808.290
Edegem · Eq €20k
OR COSMETIC
BE 0696.647.565
Brussel · Eq €20k
ARTHUS-BERTRAND BELGIQUE
BE 0506.967.431
Brussel · Eq €21k
MV Jewellery
BE 0845.331.838
Antwerpen · Eq €20k
Of 2,017 companies in sector 47770 we hold annual accounts for 898. 487 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-04-1991
Fiscal year end30-06
Activities, NACEBEL
47770Retail sale of watches and jewellery
52484
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.