Result
-€12,574 -€12,574
From profit to loss in 2025, after a profit of €39,411 in 2024.
BCJ
Lifetime
9 annual accounts with figures on one time axispeak €181,658 (2025)
€181,658▲ 6.3%
lowest -€46,940 (2023)
-€12,574▼ €51,986
peak €41,771 (2021)
€10,614▼ 54.2%
€197,924▼ 14.9%
peak 2.2 FTE (2025)
2.2 FTE
Board1 name since 2024
1 directorJolanta Edyta CHRAIBI née MIESCICKA
Owners2 names in the annual accounts
Documentsfilings and deeds
18-08-202618 days late
2025financial year
Loss of €12,574Equity from €23,188 to €10,614Cash from €3,134 to €1,004
Key points
from the 2025 annual accountsDebts
€197,924 95% of the balance sheet
Financial debts 66%Suppliers 4%Taxes and wages 24%Other 6%
Of this, €67,795 falls due within a year.
Staff
3 employees on 31-12-2025
In 2025, 1 person joined and 1 left.
Liquidity
0.17 was 0.71 in 2024
Short-term debts fell from €83,352 to €67,795.
Filings
9 annual accounts 7 late
The 2020 accounts came latest: 622 days after the end of the period.
Position in the sector
€10,614
Less equity than 85% of companies in real estate. Sector median €942,893 · 5,811 companies.
Checked score
52
Fair
Financially stronger than 28% of micro companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.3% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,625 companies (NACE 68, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 3.8%
01-2025: 4.1%▲ +0.3 percentage points vs 12-2024
02-2025: 4.1%● unchanged vs 01-2025
03-2025: 4.3%▲ +0.2 percentage points vs 02-2025
04-2025: 4.2%▼ -0.1 percentage points vs 03-2025
05-2025: 4.1%▼ -0.1 percentage points vs 04-2025
06-2025: 3.9%▼ -0.2 percentage points vs 05-2025
07-2025: 3.9%● unchanged vs 06-2025
08-2025: 4.6%▲ +0.7 percentage points vs 07-2025
09-2025: 5.0%▲ +0.4 percentage points vs 08-2025
10-2025: 6.1%▲ +1.1 percentage points vs 09-2025
11-2025: 6.2%▲ +0.1 percentage points vs 10-2025highest value
12-2025: 1.9%▼ -4.3 percentage points vs 11-2025
01-2026: 1.8%▼ -0.1 percentage points vs 12-2025
02-2026: 1.8%● unchanged vs 01-2026
03-2026: 1.8%● unchanged vs 02-2026
04-2026: 1.8%● unchanged vs 03-2026
05-2026: 1.9%▲ +0.1 percentage points vs 04-2026
06-2026: 1.8%▼ -0.1 percentage points vs 05-2026
07-2026: 1.8%● unchanged vs 06-2026lowest value
08-2026: 2.1%▲ +0.3 percentage points vs 07-2026
09-2026: 2.3%▲ +0.2 percentage points vs 08-2026
10-2026: 2.3%● unchanged vs 09-2026
11-2026: 2.3%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Last filed accounts filed 18 days late; 2 of the last 3 accounts late
Liquidity: current ratio 0.17, cash €1,004, halved
Loss of €12,574 (financial year 2025)
lowers risk
Sector: Real estate activities (NACE 68)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 26% of them on solvency, 29% on liquidity, 45% on profitability and 11% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 849 companies had the same profile as BCJ has now. Each dot stands for 3 companies, two years later.
91.9%
were still trading
3.3%
stopped another way
4.7%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of BCJ itself: 2.3% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 849 companies, not a prediction for BCJ. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €500 on 30-day terms, only on tighter conditions
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is insufficient, with a current ratio of 0.17 (0.71 in 2024), below 1. Short-term debt is 32.5% and cash 0.5% of total assets. 94.9% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 5810 sector peers (2025).
NBB · sector comparisonPosition among 5810 sector peers
Solvency
better than 19%
← weakest
strongest →
raises risk · 2025 accounts filed 18 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 9 filingsDeviation from the deadline
2025
18 days late
2024
113 days late
2023
76 days late
2022
270 days late
2021
257 days late
2020
622 days late
2019
9 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 192 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 21 November (4 of the last 5 accounts filed within 144 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- Chantal BOCCARD 50%annual accounts 2017
- Najib CHRAIBI 50%annual accounts 2017
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0666434441
Transfer of 51 shares from Najib CHRAIBI to Jolanta Edyta CHRAIBI
Jolanta Edyta CHRAIBI holds 100 shares · Gazette deed
Change of role: Jolanta Edyta CHRAIBI née MIESCICKA, from manager to director
General meeting of 07-05-2024 · Gazette deed
Registered office moved to Bruxelles-Molenbeek Saint Jean
New registered office: rue de Dilbeek 82/bte 15 à 1080 Bruxelles-Molenbeek Saint Jean · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BCJ Molenbeek-Saint-Jean | €208,538 | €181,658 | 5.1% | 2.2 |
| Realimmo Group Avelgem | €236,564 | €142,587 | 47.6% | 1.9 |
| CTymmo Uccle | €190,545 | €169,825 | 31.4% | 1.6 |
| PROPERTY CONSULTING GROUP Jette | €313,191 | €240,627 | 16.5% | 2.3 |
| SYNDX VLAANDEREN Ghent | €216,092 | €135,489 | 47.2% | 1.8 |
| Hestia Woonbeheer Antwerp | €133,575 | €185,115 | 18.6% | 3.6 |
| SYNDIX AAN ZEE Koksijde | €212,689 | €282,226 | 52.5% | 3.9 |
These companies have the same main activity as BCJ: property management for co-owned buildings (syndics) (NACE 68321). They are comparable in size and age: total assets between €134,000 and €313,000, founded between 2012 and 2019.
Official details
Source: KBO- Status
- Active since 16-11-2016Normal situation
- Activity
- Property management for co-owned buildings (syndics)NACE 68321
- Joint committee
- 323Building management, estate agents and domestic staff · annual accounts 2023
- Establishment unit
- 2.260.489.6811080 Molenbeek-Saint-Jean, since 24-01-2017
- Financial year end
- 31 December
- Peppol
- Reachable since 19-12-2025
Annual accounts 2025
- ≈ €320,000estimated
- €208,538▼ 18.5%
- Employeeson 31-12-2025
- 3
- Filing
- Filed on 18-08-2026
Insights on BCJ
BCJ has existed since 2016. The gross margin grew from €15,758 in 2017 to €181,658 in 2025.
The gross margin has grown every year since 2018.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BCJ
- What is the company number of BCJ?
- The company number of BCJ is 0666.434.441. The VAT number is the same number with BE in front: BE 0666.434.441.
- Where is BCJ based?
- The registered office is at Dilbeekstraat 82, 1080 Molenbeek-Saint-Jean.Company details
- What does BCJ do?
- According to the KBO register, the main activity is property management for co-owned buildings (syndics) (NACE 68321).
- What is the legal form of BCJ?
- BCJ is a private limited company (BV).
- When was BCJ founded?
- BCJ was founded on 16-11-2016.
- Is BCJ still active?
- Yes, BCJ is an active enterprise in the KBO register.
- How many employees does BCJ have?
- BCJ had an average of 2.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does BCJ fall under?
- In its 2023 annual accounts, BCJ states joint committee 323 (Building management, estate agents and domestic staff).
- What is the turnover of BCJ?
- The turnover in financial year 2025 is ≈ €320,000. This figure is estimated from the gross margin of €181,658 and 38 comparable companies (NACE 683). It probably lies between €260,000 and €460,000. In financial year 2023 turnover was €275,790.
- Is BCJ profitable?
- In financial year 2025, BCJ made a loss of €12,574.
- Where can I find the annual accounts of BCJ?
- BCJ filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BCJ due?
- BCJ must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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