A&James
ActiveA&James has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €128k and a net result of €28k. Equity is growing by ~51.6% per year across the filed fiscal years. Its solvency ranks better than 46% of 10091 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
76
/ 100
Excellent▲ +23 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency59▲+19
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 0.84 in 2024), and 65.8% 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.
−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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
34.2%
Return on assets
7.5%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
1 d early
2024
12 d early
2023
18 d early
2022
1 d late
2021
on the day
2020
on the day
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
09-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€128k▲ 28.2%
2024 · €100k
2018: €7k
2019: €5k
2020: €27k
2021: €67k
2022: €44k
2023: €71k
2024: €100k
2018 → 2025
Total assets
€375k▲ 4.9%
2024 · €358k
2018: €577k
2019: €434k
2020: €440k
2021: €493k
2022: €428k
2023: €354k
2024: €358k
2018 → 2025
Net result
€28k▼ 3.4%
2024 · €29k
2018: €-73k
2019: €-2k
2020: €21k
2021: €40k
2022: €-23k
2023: €97k
2024: €29k
2018 → 2025
Working capital
€56k
2024 · €-39k
2018: €-97k
2019: €-106k
2020: €-110k
2021: €-68k
2022: €-132k
2023: €-84k
2024: €-39k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€67k-€44k▼ 34.9%€71k▲ 62.8%€100k▲ 41.1%€128k▲ 28.2%
Operating result€45k-€-5k€123k€51k▼ 58.4%€56k▲ 9.7%
Net result€40k-€-23k€97k€29k▼ 70.0%€28k▼ 3.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 10% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €375k
Fixed assets
€98k▼ 38.5%
Current assets
€278k▲ 39.5%
Equity and liabilities €375k
Equity
€128k▲ 28.2%
Debt
€247k▼ 4.2%
The debt ratio falls from 72.0% to 65.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€117k▲
2024 · €111k
Cash flow
€89k▲
2024 · €89k
Solvency
34.2%▲
2024 · 28.0%
Current ratio
1.25▲
2024 · 0.84
Quick ratio
0.90▲
2024 · 0.52
Debt / equity
1.92▼
2024 · 2.57
ROE
22.0%▼
2024 · 29.1%
ROA
7.5%▼
2024 · 8.2%
Interest coverage
6.26▼
2024 · 10.39
Debt
€247k▼
2024 · €258k
Debt ≤ 1 year
€221k▼
2024 · €238k
Debt > 1 year
€26k▲
2024 · €16k
Income taxes
€10k▼
2024 · €12k
Staff costs
€221k▲
2024 · €186k
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€358k€375k▲
Fixed assets21/28€159k€98k▼
Tangible fixed assets22/27€159k€98k▼
Plant, machinery and equipment23€28k€20k▼
Furniture and vehicles24€7k€3k▼
Other tangible fixed assets26€123k€75k▼
Financial fixed assets28€104€104=
Current assets29/58€199k€278k▲
Stocks and contracts in progress3€74k€78k▲
Stocks30/36€74k€78k▲
Amounts receivable within one year40/41€89k€111k▲
Trade receivables40€3k€5k▲
Other amounts receivable41€87k€106k▲
Cash at bank and in hand54/58€24k€77k▲
Deferred charges and accrued income490/1€12k€12k▲
Equity and liabilities
Total equity and liabilities10/49€358k€375k▲
Equity10/15€100k€128k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€90k€118k▲
Amounts payable17/49€258k€247k▼
Amounts payable after more than one year17€16k€26k▲
Financial debts170/4€16k€26k▲
Amounts payable within one year42/48€238k€221k▼
Current portion of amounts payable after more than one year42€17k€27k▲
Trade debts44€185k€165k▼
Suppliers440/4€185k€165k▼
Taxes, remuneration and social security45€36k€29k▼
Taxes450/3€12k€11k▼
Remuneration and social security454/9€24k€18k▼
Accrued charges and deferred income492/3€4k€0▼
Income statement
Code20242025
Non-recurring operating income76A€1k€1k▲
Remuneration, social security and pensions62€186k€221k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€60k€61k▲
Other operating charges640/8€7k€8k▲
Non-recurring operating charges66A€7k€3k▼
Gross operating margin9900€311k€349k▲
Operating profit (loss)9901€51k€56k▲
Financial income75/76B€425€606▲
Recurring financial income75€425€606▲
Financial charges65/66B€11k€19k▲
Recurring financial charges65€11k€19k▲
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€41k€38k▼
Income taxes67/77€12k€10k▼
Profit (loss) for the period9904€29k€28k▼
Profit (loss) for the period to be appropriated9905€29k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€90k€118k▲
Profit (loss) brought forward from the previous period14P€61k€90k▲
Social balance
Average headcount (FTE)908710.712.7▲
The notes to these accounts (20 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
18-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Equity above €100kEq €100k ▲41.1%
2 profitable years in a row build equity to €100k.
12-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Back to profitnet €97k
Net result €97k after one loss-making year.
01-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 1 day late
2022
30-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Back to profitnet €21k
Net result €21k after 2 loss-making years.
28-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2026
AC James Group BV
CurrentDirector · since 01-01-2026 · Legal entity · perm. rep.: Christophe Demir
01-01-2026
AC James Group BV: Appointed as Director
01-01-2026
Christophe Demir: Resigned as Director
Location & real-estate footprint
Registered office, Halle · 1 establishment unit since 2017
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.
Sint-Rochusstraat 1101500 HalleGround area
1,992 m²
Building footprint
724 m²
Volume, LiDAR
1,195 m³
Parcel 23412I0359/00A000, Flanders · tallest building 10.1 m. Linked by address, not a title deed.
1 establishment unit
Express Halle
since 20172.269.627.477
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23412I0359/00A000 | Flanders | 1,992 m² | 1 · 724 m² | 10.1 m |
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.
Similar companies · same sector, comparable size
RAGAI EXPRESS
BE 0561.985.930
Antwerpen · Eq €128k
JESSICA & GAETANO
BE 0672.984.317
Ukkel · Eq €128k
LA CASIERE
BE 0738.720.326
Wavre · Eq €128k
PROXIMITY
BE 0876.764.291
Etterbeek · Eq €129k
D.VISION
BE 0631.699.632
Elsene · Eq €129k
Of 10,404 companies in sector 47110 we hold annual accounts for 5,784. 4,483 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-11-2017
Fiscal year end30-09
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.