ACJ
ActiveACJ has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. 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 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
15
/ 100
Critical▼ -48 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency59▼-19
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.49 against 1.05 in 2024), 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 fell accordingly. 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 close15-09-2026 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 is the lowest year so far.
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 shrinks faster than debt is paid down.
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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read my lips
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 40,458 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.