A-J
ActiveThe computed 12-month bankruptcy probability of A-J is 3.5% (moderate). The 2025 annual accounts show equity of €249k and a net result of €118k. Equity is growing by ~86.4% per year across the filed fiscal years. Its solvency ranks better than 83% of 13090 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency95▲+25
Growth78=
Track record94
Bankruptcy probability, 12 months
3.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 2.48 against 1.18 in 2024; short-term debt: 30.2% and cash: 68% of total assets), and 30.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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 · 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
69.8%
Return on assets
33%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 3 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
2023
20 d late
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€249k▲ 89.8%
2024 · €131k
2023: €22k
2024: €131k
2023 → 2025
Total assets
€356k▲ 21.5%
2024 · €293k
2023: €117k
2024: €293k
2023 → 2025
Net result
€118k▲ 8.2%
2024 · €109k
2023: €21k
2024: €109k
2023 → 2025
Working capital
€159k▲ 438%
2024 · €30k
2023: €-4k
2024: €30k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€22k-€131k▲ 490%€249k▲ 89.8%
Operating result€24k-€117k▲ 380%€124k▲ 6.5%
Net result€21k-€109k▲ 413%€118k▲ 8.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 6% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €356k
Fixed assets
€90k▼ 11.7%
Current assets
€267k▲ 39.0%
Equity and liabilities €356k
Equity
€249k▲ 89.8%
Debt
€108k▼ 33.7%
The debt ratio falls from 55.3% to 30.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€143k▲
2024 · €127k
Cash flow
€136k▲
2024 · €119k
Solvency
69.8%▲
2024 · 44.7%
Current ratio
2.48▲
2024 · 1.18
Quick ratio
2.31▲
2024 · 1.08
Debt / equity
0.43▼
2024 · 1.24
ROE
47.3%▼
2024 · 83.0%
ROA
33.0%▼
2024 · 37.1%
Interest coverage
18.51▼
2024 · 40.41
Debt
€108k▼
2024 · €162k
Debt ≤ 1 year
€108k▼
2024 · €162k
Income taxes
€679▼
2024 · €5k
Staff costs
€80k▼
2024 · €92k
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€293k€356k▲
Fixed assets21/28€101k€90k▼
Tangible fixed assets22/27€101k€89k▼
Land and buildings22-€5k
Plant, machinery and equipment23€76k€66k▼
Furniture and vehicles24€25k€18k▼
Financial fixed assets28-€800
Current assets29/58€192k€267k▲
Stocks and contracts in progress3€17k€18k▲
Stocks30/36€17k€18k▲
Amounts receivable within one year40/41€7k€6k▼
Trade receivables40€7k€4k▼
Other amounts receivable41€912€2k▲
Cash at bank and in hand54/58€168k€242k▲
Equity and liabilities
Total equity and liabilities10/49€293k€356k▲
Equity10/15€131k€249k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€130k€248k▲
Amounts payable17/49€162k€108k▼
Amounts payable within one year42/48€162k€108k▼
Trade debts44€67k€17k▼
Suppliers440/4€67k€17k▼
Taxes, remuneration and social security45€26k€12k▼
Taxes450/3€13k€12k▼
Remuneration and social security454/9€13k-
Other amounts payable47/48€69k€78k▲
Income statement
Code20242025
Remuneration, social security and pensions62€92k€80k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€19k▲
Gross operating margin9900€219k€223k▲
Operating profit (loss)9901€117k€124k▲
Financial income75/76B€427€2k▲
Recurring financial income75€427€2k▲
Financial charges65/66B€4k€8k▲
Recurring financial charges65€3k€8k▲
Non-recurring financial charges66B€600€500▼
Profit (loss) for the period before taxes9903€113k€118k▲
Income taxes67/77€5k€679▼
Profit (loss) for the period9904€109k€118k▲
Profit (loss) for the period to be appropriated9905€109k€118k▲
Appropriation of the result
Profit (loss) to be appropriated9906€130k€248k▲
Profit (loss) brought forward from the previous period14P€21k€130k▲
The notes to these accounts (7 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2023net €118k ▲8.2%
Operating result €124k, net result €118k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.48
Current ratio from 1.18 to 2.48; short-term debt falls from €162k to €108k.
31-12
Financial
Equity above €200kEq €249k ▲89.8%
3 profitable years in a row build equity to €249k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Equity above €100kEq €131k ▲490%
2 profitable years in a row build equity to €131k.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
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, Tournai · 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.
Place Saint-Pierre(TOU) 157500 TournaiGround area
349 m²
Building footprint
117 m²
Volume, LiDAR
1,639 m³
Parcel 57081F0477/00B000, Wallonia · tallest building 17.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
A-J
since 20222.334.108.129
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57081F0477/00B000 ProtectedArchitectural ensemble |
Wallonia | 349 m² | 1 · 117 m² | 17.5 m · 5 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteTournai2.334.108.129
Legal Entity Identifier
984500D6E8A993DEA486
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Of 14,028 companies in sector 56301 we hold annual accounts for 4,894. 2,847 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-07-2022
Fiscal year end31-12
Activities, NACEBEL
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.