AJ IMMO
ActiveAJ IMMO has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.16M and a net result of €-7k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 74% of 4533 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▲+8
Solvency96▲+2
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity ample (current ratio 4.48 against 4.32 in 2024; short-term debt: 10.5% and cash: 2.1% of total assets), and 29% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 68
Relative position
BE, all sectors
reference
Sector 68
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
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
71%
Return on assets
-0.5%
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 25-08-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
27 d late
2023
29 d late
2022
52 d late
2021
18 d late
2020
10 d late
2019
31 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-7k▲ 76.0%
2024 · €-31k
2018: €160k
2019: €-254k
2020: €129k
2021: €-25k
2022: €48k
2023: €-23k
2024: €-31k
2018 → 2025
Working capital
€601k▲ 0.6%
2024 · €597k
2018: €747k
2019: €423k
2020: €642k
2021: €565k
2022: €615k
2023: €590k
2024: €597k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.20M-€1.26M▲ 4.9%€1.23M▼ 2.9%€1.19M▼ 3.4%€1.16M▼ 2.0%
Operating result€-70k-€80k€-40k€-35k▲ 10.9%€-20k▲ 43.6%
Net result€-25k-€48k€-23k€-31k▼ 36.3%€-7k▲ 76.0%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €20k in 2025 against €35k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.64M
Fixed assets
€866k▼ 8.8%
Current assets
€773k▼ 0.5%
Equity and liabilities €1.64M
Equity
€1.16M▼ 2.0%
Provisions
€66k▼ 9.4%
Debt
€409k▼ 12.3%
The debt ratio falls from 27.0% to 25.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€64k▼
2024 · €73k
Cash flow
€76k▼
2024 · €77k
Solvency
71.0%▲
2024 · 68.8%
Current ratio
4.48▲
2024 · 4.32
Quick ratio
4.48▲
2024 · 4.32
Debt / equity
0.35▼
2024 · 0.39
ROE
-0.6%▲
2024 · -2.6%
ROA
-0.5%▲
2024 · -1.8%
Interest coverage
4.72▲
2024 · 4.07
Debt
€409k▼
2024 · €467k
Debt ≤ 1 year
€172k▼
2024 · €180k
Debt > 1 year
€237k▼
2024 · €287k
Income taxes
€275▲
2024 · €-14
Staff costs
€121k▲
2024 · €115k
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€1.73M€1.64M▼
Fixed assets21/28€950k€866k▼
Tangible fixed assets22/27€949k€865k▼
Land and buildings22€861k€804k▼
Furniture and vehicles24€88k€61k▼
Financial fixed assets28€99€99=
Current assets29/58€777k€773k▼
Amounts receivable after more than one year29€132k€118k▼
Trade receivables290€132k€118k▼
Amounts receivable within one year40/41€610k€622k▲
Other amounts receivable41€610k€622k▲
Cash at bank and in hand54/58€36k€34k▼
Equity and liabilities
Total equity and liabilities10/49€1.73M€1.64M▼
Equity10/15€1.19M€1.16M▼
Contributions10/11€380k€380k=
Capital10€380k€380k=
Issued capital100€380k€380k=
Reserves13€253k€237k▼
Non-distributable reserves130/1€44k€44k=
Legal reserve130€44k€44k=
Tax-exempt reserves132€181k€165k▼
Distributable reserves133€28k€28k=
Profit (loss) carried forward14€554k€546k▼
Provisions and deferred taxes16€73k€66k▼
Deferred taxes168€73k€66k▼
Amounts payable17/49€467k€409k▼
Amounts payable after more than one year17€287k€237k▼
Financial debts170/4€287k€237k▼
Amounts payable within one year42/48€180k€172k▼
Current portion of amounts payable after more than one year42€52k€50k▼
Financial debts43€148€148=
Credit institutions430/8€148€148=
Trade debts44€114k€109k▼
Suppliers440/4€114k€109k▼
Taxes, remuneration and social security45€14k€13k▼
Taxes450/3€336€574▲
Remuneration and social security454/9€14k€12k▼
Other amounts payable47/48-€527
Income statement
Code20242025
Remuneration, social security and pensions62€115k€121k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€108k€84k▼
Other operating charges640/8€33k€41k▲
Gross operating margin9900€221k€226k▲
Operating profit (loss)9901€-35k€-20k▲
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€18k€14k▼
Recurring financial charges65€18k€14k▼
Profit (loss) for the period before taxes9903€-50k€-30k▲
Transfer from deferred taxes780€18k€23k▲
Income taxes67/77€-14€275▲
Profit (loss) for the period9904€-31k€-7k▲
Transfer from tax-exempt reserves789€8k-
Profit (loss) for the period to be appropriated9905€-23k€-7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€554k€546k▼
Profit (loss) brought forward from the previous period14P€577k€554k▼
Social balance
Average headcount (FTE)90871.51.6▲
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 25 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 27 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
21-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 52 days late
2022
31-12
Financial
Back to profitnet €48k
Net result €48k after one loss-making year.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 18 days late
2021
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 10 days late
2020
31-12
Financial
Back to profitnet €129k
Net result €129k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €-254k ▼259%
Net result drops to €-254k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 129 days late
2017
06-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 67 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Beloeil · 1 establishment unit since 1984
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.
Rue Octave Battaille (Bas) 64/17971 BeloeilGround area
600 m²
Building footprint
416 m²
Volume, LiDAR
2,100 m³
2 parcels, Wallonia · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Octave Battaille (Bas) 53, 7971 Beloeil
since 19842.025.724.937
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51007A0528/00Z000 | Wallonia | 352 m² | 1 · 377 m² | 8.9 m · 1 fl. |
| 51007C0482/00R000 | Wallonia | 247 m² | 1 · 39 m² | 9.4 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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Wevelgem · Eq €1.16M
THE CUBE
BE 0836.712.595
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BREEBROECK
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DGE IMMO
BE 0738.468.324
La Louvière · Eq €1.16M
Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 4,738 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded13-04-1984
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
70201
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.