BCJ
ActiveBCJ has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €166k and a net result of €71k. Equity is growing by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 79% of 2269 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+53
Solvency91▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 2.04 against 1.79 in 2024; short-term debt: 33.2% and cash: 39.3% of total assets), and 33.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 93
Relative position
BE, all sectors
reference
Sector 93
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
66.2%
Return on assets
28.3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-04-2026, 115 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
115 d early
2024
64 d early
2023
37 d early
2022
41 d early
2021
33 d early
2020
51 d early
2019
36 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€166k▲ 33.4%
2024 · €125k
2018: €82k
2019: €84k
2020: €100k
2021: €117k
2022: €127k
2023: €128k
2024: €125k
2018 → 2025
Total assets
€251k▲ 15.4%
2024 · €218k
2018: €181k
2019: €181k
2020: €210k
2021: €261k
2022: €186k
2023: €213k
2024: €218k
2018 → 2025
Net result
€71k
2024 · €-3k
2018: €-5k
2019: €2k
2020: €29k
2021: €25k
2022: €10k
2023: €548
2024: €-3k
2018 → 2025
Working capital
€87k▲ 36.1%
2024 · €64k
2018: €47k
2019: €35k
2020: €60k
2021: €61k
2022: €70k
2023: €62k
2024: €64k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€117k-€127k▲ 8.2%€128k▲ 0.4%€125k▼ 2.4%€166k▲ 33.4%
Operating result€26k-€17k▼ 34.0%€6k▼ 61.7%€-1k€83k
Net result€25k-€10k▼ 61.9%€548▼ 94.3%€-3k€71k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €83k after a loss of €1k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €251k
Fixed assets
€81k▲ 11.8%
Current assets
€170k▲ 17.2%
Equity and liabilities €251k
Equity
€166k▲ 33.4%
Debt
€85k▼ 8.7%
The debt ratio falls from 42.8% to 33.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€108k▲
2024 · €25k
Cash flow
€96k▲
2024 · €23k
Solvency
66.2%▲
2024 · 57.2%
Current ratio
2.04▲
2024 · 1.79
Quick ratio
1.36▲
2024 · 0.96
Debt / equity
0.51▼
2024 · 0.75
ROE
42.8%▲
2024 · -2.5%
ROA
28.3%▲
2024 · -1.4%
Interest coverage
21.58▲
2024 · 3.55
Debt
€85k▼
2024 · €93k
Debt ≤ 1 year
€83k▲
2024 · €81k
Debt > 1 year
€2k▼
2024 · €12k
Income taxes
€10k▲
2024 · €160
Staff costs
€4k▼
2024 · €9k
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€218k€251k▲
Fixed assets21/28€72k€81k▲
Tangible fixed assets22/27€72k€81k▲
Land and buildings22€32k€24k▼
Plant, machinery and equipment23€6k€3k▼
Furniture and vehicles24€35k€54k▲
Other tangible fixed assets26€140€70▼
Current assets29/58€145k€170k▲
Stocks and contracts in progress3€68k€57k▼
Stocks30/36€68k€57k▼
Amounts receivable within one year40/41€27k€14k▼
Trade receivables40€27k€13k▼
Other amounts receivable41€11€1k▲
Cash at bank and in hand54/58€50k€99k▲
Deferred charges and accrued income490/1€944€0▼
Equity and liabilities
Total equity and liabilities10/49€218k€251k▲
Equity10/15€125k€166k▲
Contributions10/11€12k€12k=
Reserves13€112k€154k▲
Distributable reserves133€112k€154k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€93k€85k▼
Amounts payable after more than one year17€12k€2k▼
Financial debts170/4€12k€2k▼
Amounts payable within one year42/48€81k€83k▲
Current portion of amounts payable after more than one year42€12k€10k▼
Trade debts44€23k€5k▼
Suppliers440/4€23k€5k▼
Taxes, remuneration and social security45€8k€6k▼
Taxes450/3€8k€6k▼
Remuneration and social security454/9€466€118▼
Other amounts payable47/48€39k€63k▲
Income statement
Code20242025
Non-recurring operating income76A-€9k
Remuneration, social security and pensions62€9k€4k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€25k▼
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€37k€115k▲
Operating profit (loss)9901€-1k€83k▲
Financial income75/76B€5k€3k▼
Recurring financial income75€5k€3k▼
Financial charges65/66B€7k€5k▼
Recurring financial charges65€7k€5k▼
Profit (loss) for the period before taxes9903€-3k€81k▲
Income taxes67/77€160€10k▲
Profit (loss) for the period9904€-3k€71k▲
Profit (loss) for the period to be appropriated9905€-3k€71k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€71k▲
Transfer from equity791/2€3k€29k▲
Transfer to equity691/2€0€71k▲
To other reserves6921€0€71k▲
Profit to be distributed694/7-€29k
Return on contributions (dividend)694-€29k
The notes to these accounts (9 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
07-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €71k
Net result €71k after one loss-making year.
31-12
Financial
Equity above €150kEq €166k ▲33.4%
Equity rises from €125k to €166k.
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €117k ▲17.6%
3 profitable years in a row build equity to €117k.
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
13-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Tremelo · 1 establishment unit since 2004
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.
Leuvensebaan 443120 TremeloGround area
4,004 m²
Building footprint
372 m²
Volume, LiDAR
1,471 m³
Parcel 24109B0428/00T000, Flanders · tallest building 6.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BCJ
since 20042.144.339.606
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24109B0428/00T000 | Flanders | 4,004 m² | 1 · 372 m² | 6.7 m · 1 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
O2K
BE 0549.959.712
Ramillies · Eq €166k
ART - SHOCK
BE 0476.773.311
Sint-Gillis-Waas · Eq €165k
Âme d’enfance
BE 0764.895.280
Zaventem · Eq €168k
THE BELGIAN CHOCOLATE MAKERS
BE 0745.885.458
Brussel · Eq €168k
SONO X-CLUSIVE
BE 0642.965.983
Jemeppe-sur-Sambre · Eq €163k
Of 6,728 companies in sector 93299 we hold annual accounts for 1,168. 822 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-11-2004
Fiscal year end31-12
Activities, NACEBEL
47640Retail sale of games and toys
47650Retail trade
92724
93299Other amusement and recreation activities
49320Taxi operation
49330On-demand passenger transport by chauffeured vehicle
77110Renting and leasing of cars and light motor vehicles
92623
93199Other sports activities
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.