ACJ
ActiveThe annual accounts of ACJ for fiscal year 2025 show a net loss of 51% of the equity at the start of that year. The 2025 annual accounts show equity of €100k and a net result of €-104k. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 43% of 31544 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-27
Solvency72▼-17
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.49 against 1.05 in 2024; short-term debt: 50.7% and cash: 1.1% of total assets), and 52.9% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
47.1%
Return on assets
-49%
Age of the figures
18 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-104k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 09-10-2025, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
37 d early
2023
5 d early
2022
24 d early
2021
5 d early
2020
4 d early
2019
41 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close16-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€100k▼ 51.0%
2024 · €205k
2019: €63k
2020: €72k
2021: €68k
2022: €75k
2023: €108k
2024: €205k
2019 → 2025
Total assets
€213k▼ 33.1%
2024 · €318k
2019: €115k
2020: €112k
2021: €99k
2022: €163k
2023: €236k
2024: €318k
2019 → 2025
Net result
€-104k▼ 208%
2024 · €-34k
2019: €10k
2020: €9k
2021: €-4k
2022: €7k
2023: €33k
2024: €-34k
2019 → 2025
Working capital
€-55k
2024 · €5k
2019: €23k
2020: €24k
2021: €3k
2022: €-64k
2023: €972
2024: €5k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€68k-€75k▲ 10.8%€108k▲ 43.2%€205k▲ 89.7%€100k▼ 51.0%
Operating result€-676-€10k€51k▲ 407%€-26k€-99k▼ 280%
Net result€-4k-€7k€33k▲ 344%€-34k€-104k▼ 208%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €99k in 2025 against €26k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €213k
Fixed assets
€160k▼ 22.9%
Current assets
€53k▼ 51.9%
Equity and liabilities €213k
Equity
€100k▼ 51.0%
Debt
€113k▼ 0.6%
The debt ratio rises from 35.6% to 52.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-52k▼
2024 · €18k
Cash flow
€-57k▼
2024 · €10k
Solvency
47.1%▼
2024 · 64.4%
Current ratio
0.49▼
2024 · 1.05
Quick ratio
0.49▼
2024 · 1.05
Debt / equity
1.12▲
2024 · 0.55
ROE
-104.0%▼
2024 · -16.6%
ROA
-49.0%▼
2024 · -10.7%
Interest coverage
-9.32▼
2024 · 2.61
Debt
€113k▼
2024 · €113k
Debt ≤ 1 year
€108k▲
2024 · €106k
Debt > 1 year
€4k=
2024 · €4k
Income taxes
€0▼
2024 · €1k
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€318k€213k▼
Fixed assets21/28€207k€160k▼
Intangible fixed assets21€45k€27k▼
Tangible fixed assets22/27€162k€133k▼
Land and buildings22€153k€126k▼
Furniture and vehicles24€10k€7k▼
Current assets29/58€111k€53k▼
Amounts receivable within one year40/41€64k€29k▼
Trade receivables40€60k€19k▼
Other amounts receivable41€4k€10k▲
Cash at bank and in hand54/58€16k€2k▼
Deferred charges and accrued income490/1€31k€22k▼
Equity and liabilities
Total equity and liabilities10/49€318k€213k▼
Equity10/15€205k€100k▼
Contributions10/11€143k€143k=
Reserves13€93k€93k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€93k€93k=
Profit (loss) carried forward14€-31k€-136k▼
Amounts payable17/49€113k€113k▼
Amounts payable after more than one year17€4k€4k=
Other amounts payable178/9€4k€4k=
Amounts payable within one year42/48€106k€108k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€27k€13k▼
Suppliers440/4€27k€13k▼
Taxes, remuneration and social security45€6k€104▼
Taxes450/3€6k€0▼
Remuneration and social security454/9-€104
Other amounts payable47/48€72k€95k▲
Accrued charges and deferred income492/3€4k€1k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44k€47k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€20k
Other operating charges640/8€6k€6k▲
Gross operating margin9900€24k€-25k▼
Operating profit (loss)9901€-26k€-99k▼
Financial income75/76B€66€61▼
Recurring financial income75€66€61▼
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€-33k€-104k▼
Income taxes67/77€1k€0▼
Profit (loss) for the period9904€-34k€-104k▼
Profit (loss) for the period to be appropriated9905€-34k€-104k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-34k€-136k▼
Profit (loss) brought forward from the previous period14P-€-31k
Transfer from equity791/2€3k€0▼
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (8 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
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €-104k
Net result drops to €-104k, the lowest in the series.
2024
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Equity above €200kEq €205k ▲89.7%
Equity rises from €108k to €205k.
2023
26-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Highest result since 2019net €33k ▲344%
Operating result €51k, net result €33k, both a record.
31-03
Financial
Liquidity times 5current ratio 1.01
Current ratio from 0.22 to 1.01.
31-03
Financial
Equity above €100kEq €108k ▲43.2%
2 profitable years in a row build equity to €108k.
2022
07-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
20-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
20-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
26-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Waasmunster · 1 establishment unit since 2006
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.
Wareslagestraat 889250 WaasmunsterGround area
1,753 m²
Building footprint
168 m²
Volume, LiDAR
924 m³
Parcel 42023B2087/00B000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ACJ
since 20062.165.708.508
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42023B2087/00B000 | Flanders | 1,753 m² | 1 · 168 m² | 8.7 m · 2 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.
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Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 40,598 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-06-2006
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.