BCJ
ActiveBCJ has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11k and a net result of €-13k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 4504 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
20
/ 100
Critical▼ -36 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency3▼-8
Growth55▼-30
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.17 against 0.71 in 2024), and 94.9% 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
5.1%
Return on assets
-6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 4504 sector peers (2025).
NBB · sector comparisonPosition among 4504 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
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. 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 · 9 filingsDeviation from the deadline
2025
18 d late
2024
113 d late
2023
76 d late
2022
270 d late
2021
257 d late
2020
622 d late
2019
9 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€276k▲ 25.9%
2022 · €219k
2018: €90k
2019: €171k
2020: €172k
2021: €207k
2022: €219k
2018 → 2023
EBIT margin
3.7%▲ 6.9pp
2022 · -3.1%
2018: 4.5%
2019: 4.7%
2020: 17.4%
2021: 6.1%
2022: -3.1%
2018 → 2023
Net result
€-13k
2024 · €39k
2018: €4k
2019: €3k
2020: €21k
2021: €7k
2022: €-11k
2023: €-47k
2024: €39k
2018 → 2025
Working capital
€-56k▼ 134%
2024 · €-24k
2018: €-12k
2019: €-12k
2020: €-22k
2021: €-21k
2022: €-26k
2023: €-69k
2024: €-24k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€207k-€219k▲ 5.9%€276k▲ 25.9%
Equity€42k-€31k▼ 26.5%€-13k€23k€11k▼ 54.2%
Operating result€13k-€-7k€10k€62k▲ 501%€2k▼ 96.3%
Net result€7k-€-11k€-47k▼ 325%€39k€-13k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 96% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €209k
Fixed assets
€197k▲ 0.2%
Current assets
€12k▼ 80.5%
Equity and liabilities €209k
Equity
€11k▼ 54.2%
Debt
€198k▼ 14.9%
The debt ratio rises from 90.9% to 94.9%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€18k▼
2024 · €78k
Cash flow
€3k▼
2024 · €55k
Solvency
5.1%▼
2024 · 9.1%
Current ratio
0.17▼
2024 · 0.71
Quick ratio
0.17▼
2024 · 0.71
Debt / equity
18.65▲
2024 · 10.03
ROE
-118.5%▼
2024 · 170.0%
ROA
-6.0%▼
2024 · 15.4%
Interest coverage
5.14▼
2024 · 5.88
Debt
€198k▼
2024 · €233k
Debt ≤ 1 year
€68k▼
2024 · €83k
Debt > 1 year
€130k▼
2024 · €141k
Income taxes
€11k▲
2024 · €9k
Staff costs
€107k▲
2024 · €89k
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€256k€209k▼
Fixed assets21/28€197k€197k▲
Tangible fixed assets22/27€196k€197k▲
Land and buildings22€186k€174k▼
Plant, machinery and equipment23€9k€7k▼
Furniture and vehicles24€2k€16k▲
Financial fixed assets28€81€81=
Current assets29/58€59k€12k▼
Amounts receivable within one year40/41€46k€11k▼
Trade receivables40€40k€10k▼
Other amounts receivable41€7k€400▼
Cash at bank and in hand54/58€3k€1k▼
Deferred charges and accrued income490/1€10k-
Equity and liabilities
Total equity and liabilities10/49€256k€209k▼
Equity10/15€23k€11k▼
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€2k€4k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133-€2k
Profit (loss) carried forward14€15k-
Amounts payable17/49€233k€198k▼
Amounts payable after more than one year17€141k€130k▼
Financial debts170/4€141k€130k▼
Amounts payable within one year42/48€83k€68k▼
Current portion of amounts payable after more than one year42€11k€12k▲
Financial debts43€71-
Credit institutions430/8€71-
Trade debts44€9k€8k▼
Suppliers440/4€9k€8k▼
Advances received on contracts in progress46€1k-
Taxes, remuneration and social security45€61k€48k▼
Taxes450/3€54k€31k▼
Remuneration and social security454/9€7k€16k▲
Accrued charges and deferred income492/3€8k-
Income statement
Code20242025
Non-recurring operating income76A€3k-
Remuneration, social security and pensions62€89k€107k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€16k▼
Other operating charges640/8€4k€6k▲
Non-recurring operating charges66A-€51k
Gross operating margin9900€171k€182k▲
Operating profit (loss)9901€62k€2k▼
Financial income75/76B€3€2▼
Recurring financial income75€3€2▼
Financial charges65/66B€13k€3k▼
Recurring financial charges65€13k€3k▼
Profit (loss) for the period before taxes9903€49k€-1k▼
Income taxes67/77€9k€11k▲
Profit (loss) for the period9904€39k€-13k▼
Profit (loss) for the period to be appropriated9905€39k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€-13k▼
Profit (loss) brought forward from the previous period14P€-24k-
Transfer from equity791/2-€13k
Social balance
Average headcount (FTE)9087-2.2
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
2026
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 18 days late
2025
21-11
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 113 days late
2024
31-12
Financial
Back to profitnet €39k
Net result €39k after 2 loss-making years.
15-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 76 days late
26-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 270 days late
2023
31-12
Financial
Weakest financial yearnet €-47k
Net result drops to €-47k, the lowest in the series; recovery starts the following year.
14-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 257 days late
14-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 622 days late
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
12-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 12 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Sint-Jans-Molenbeek · 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.
Dilbeekstraat 821080 Sint-Jans-MolenbeekGround area
568 m²
Building footprint
441 m²
Volume, LiDAR
5,526 m³
Parcel 21523B0886/00E003, Brussels · tallest building 14.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BCJ
since 20172.260.489.681
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21523B0886/00E003 | Brussels | 568 m² | 1 · 441 m² | 14.9 m · 4 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.
Similar companies · same sector, comparable size
WAY2LEISURE
BE 0660.904.253
Hechtel-Eksel · Eq €11k
MAOMA
BE 0776.497.965
Menen · Eq €11k
FO-Invest
BE 0863.684.634
Lubbeek · Eq €11k
SIWEL ESTATE
BE 0844.596.222
Watermaal-Bosvoorde · Eq €10k
Groep Caenen Syndic
BE 0508.723.230
Blankenberge · Eq €10k
Of 3,751 companies in sector 68321 we hold annual accounts for 1,381. 548 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-11-2016
Fiscal year end31-12
Activities, NACEBEL
68321Property management for co-owned buildings (syndics)
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.