A&J PARTNERS
ActiveThe computed 12-month bankruptcy probability of A&J PARTNERS is 2.5% (moderate). The 2025 annual accounts show negative equity (€-13k) and a net result of €-7k. Equity is shrinking by ~40.4% per year across the filed fiscal years. Its solvency ranks better than 14% of 4555 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
17
/ 100
Critical▼ -16 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency34▼-11
Growth32▼-26
Stability94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.52 against 1.01 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+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
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 2025Solvency, return and age of the figures
Solvency
-89.2%
Return on assets
-47.2%
Age of the figures
8 mo
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
21232425
2021 to 2025 · latest year -€13k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-09-2026, 32 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 · 4 filingsDeviation from the deadline
2025
32 d late
2024
131 d late
2023
496 d late
2021
130 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-13k▼ 112%
2024 · €-6k
2021: €-602
2023: €-8k
2024: €-6k
2021 → 2025
Total assets
€14k▼ 32.0%
2024 · €21k
2021: €6k
2023: €7k
2024: €21k
2021 → 2025
Net result
€-7k
2024 · €2k
2021: €-2k
2023: €939
2024: €2k
2021 → 2025
Working capital
€-13k
2024 · €164
2021: €-916
2023: €-3k
2024: €164
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202320242025Trend
Equity€-602-€-8k▼ 1,187%€-6k▲ 22.4%€-13k▼ 112%
Operating result€-2k-€1k€2k▲ 63.0%€-6k
Net result€-2k-€939€2k▲ 84.6%€-7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €2k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14k
Fixed assets
€314=
Current assets
€14k▼ 32.5%
Key figures and ratios
Solvency
-89.2%▼
2024 · -28.6%
Current ratio
0.52▼
2024 · 1.01
Quick ratio
0.52▼
2024 · 1.01
Debt / equity
-2.12▲
2024 · -4.50
ROE
52.9%▲
2024 · -28.8%
ROA
-47.2%▼
2024 · 8.2%
Debt
€27k▲
2024 · €27k
Debt ≤ 1 year
€27k▲
2024 · €21k
Income taxes
€483
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€21k€14k▼
Fixed assets21/28€314€314=
Financial fixed assets28€314€314=
Current assets29/58€21k€14k▼
Cash at bank and in hand54/58€3k€9▼
Deferred charges and accrued income490/1€18k€14k▼
Equity and liabilities
Total equity and liabilities10/49€21k€14k▼
Equity10/15€-6k€-13k▼
Contributions10/11€1k€1k=
Profit (loss) carried forward14€-7k€-14k▼
Amounts payable17/49€27k€27k▲
Amounts payable within one year42/48€21k€27k▲
Trade debts44€20k€17k▼
Suppliers440/4€20k€17k▼
Taxes, remuneration and social security45€974€239▼
Taxes450/3€974-
Remuneration and social security454/9-€239
Other amounts payable47/48-€10k
Accrued charges and deferred income492/3€6k-
Income statement
Code20242025
Other operating charges640/8€270€7▼
Gross operating margin9900€2k€-6k▼
Operating profit (loss)9901€2k€-6k▼
Financial charges65/66B€86€16▼
Recurring financial charges65€86€16▼
Profit (loss) for the period before taxes9903€2k€-6k▼
Income taxes67/77-€483
Profit (loss) for the period9904€2k€-7k▼
Profit (loss) for the period to be appropriated9905€2k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-14k▼
Profit (loss) brought forward from the previous period14P€-9k€-7k▲
The notes to these accounts (2 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
01-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 32 days late
2025
31-12
Financial
Weakest financial yearnet €-7k ▼490%
Net result drops to €-7k, the lowest in the series.
09-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 131 days late
09-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 496 days late
2024
31-12
Financial
Highest result since 2021net €2k ▲84.6%
Operating result €2k, net result €2k, both a record.
2023
31-12
Financial
Back to profitnet €939
Net result €939 after one loss-making year.
2022
08-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 130 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Pieters-Leeuw · 1 establishment unit since 2021
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.
Bergensesteenweg 7091600 Sint-Pieters-LeeuwGround area
5,184 m²
Building footprint
1,025 m²
Volume, LiDAR
5,783 m³
2 parcels, Brussels, Flanders · tallest building 14.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
A&J PARTNERS
since 20212.317.086.114
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23583F0543/00D002 | Flanders | 5,043 m² | 1 · 911 m² | 7.2 m · 2 fl. |
| 21003A0317/00P000 | Brussels | 141 m² | 1 · 114 m² | 14.7 m · 3 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.
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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 21,676 companies in sector 96210 we hold annual accounts for 2,806.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-03-2021
Fiscal year end31-12
Activities, NACEBEL
96021Hairdressing
96210Hairdressing and barber services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:freshprince.1082bxl@gmail.com
Phone:0471306252