BJC Expertise
ActiveBJC Expertise has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €449k and a net result of €-32k. Equity is shrinking by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 9150 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
Profitability10▼-1
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 36.74 against 34.73 in 2024; short-term debt: 2.1% and cash: 47.7% of total assets), and 2.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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
97.9%
Return on assets
-6.9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-32k
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
29 d late
2023
68 d late
2022
31 d late
2021
30 d late
2020
30 d late
2019
90 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€449k▼ 6.6%
2024 · €481k
2018: €618k
2019: €612k
2020: €710k
2021: €668k
2022: €522k
2023: €512k
2024: €481k
2018 → 2025
Total assets
€459k▼ 6.7%
2024 · €492k
2018: €673k
2019: €1.49M
2020: €1.31M
2021: €908k
2022: €570k
2023: €526k
2024: €492k
2018 → 2025
Net result
€-32k▼ 3.3%
2024 · €-31k
2018: €-38k
2019: €-6k
2020: €99k
2021: €-42k
2022: €-146k
2023: €-10k
2024: €-31k
2018 → 2025
Working capital
€345k▼ 5.9%
2024 · €366k
2018: €487k
2019: €491k
2020: €600k
2021: €569k
2022: €430k
2023: €398k
2024: €366k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€668k-€522k▼ 21.9%€512k▼ 2.0%€481k▼ 6.0%€449k▼ 6.6%
Operating result€-37k-€-145k▼ 297%€-9k▲ 93.5%€-30k▼ 219%€-31k▼ 3.4%
Net result€-42k-€-146k▼ 248%€-10k▲ 92.9%€-31k▼ 193%€-32k▼ 3.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €31k in 2025 against €30k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €459k
Fixed assets
€105k▼ 8.8%
Current assets
€355k▼ 6.0%
Equity and liabilities €459k
Equity
€449k▼ 6.6%
Debt
€10k▼ 11.2%
The debt ratio falls from 2.2% to 2.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-19k▲
2024 · €-19k
Cash flow
€-19k▲
2024 · €-19k
Solvency
97.9%▲
2024 · 97.8%
Current ratio
36.74▲
2024 · 34.73
Quick ratio
36.74▲
2024 · 34.73
Debt / equity
0.02▼
2024 · 0.02
ROE
-7.0%▼
2024 · -6.4%
ROA
-6.9%▼
2024 · -6.2%
Interest coverage
-92.12▼
2024 · -90.52
Debt
€10k▼
2024 · €11k
Debt ≤ 1 year
€10k▼
2024 · €11k
Income taxes
€250▲
2024 · €237
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€492k€459k▼
Fixed assets21/28€115k€105k▼
Tangible fixed assets22/27€106k€95k▼
Land and buildings22€103k€92k▼
Plant, machinery and equipment23€2k€3k▲
Financial fixed assets28€9k€9k=
Current assets29/58€377k€355k▼
Amounts receivable within one year40/41€9k€4k▼
Trade receivables40€8k€3k▼
Other amounts receivable41€681€279▼
Current investments50/53€129k€129k=
Cash at bank and in hand54/58€237k€219k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€492k€459k▼
Equity10/15€481k€449k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€606k€606k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€600k€600k=
Profit (loss) carried forward14€-187k€-219k▼
Amounts payable17/49€11k€10k▼
Amounts payable within one year42/48€11k€10k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€6k€6k▼
Taxes450/3€6k€6k▼
Other amounts payable47/48€3k€3k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€13k▲
Other operating charges640/8€3k€3k▲
Non-recurring operating charges66A€748€0▼
Gross operating margin9900€-15k€-16k▼
Operating profit (loss)9901€-30k€-31k▼
Financial income75/76B€0€30▲
Recurring financial income75€0€30▲
Financial charges65/66B€206€202▼
Recurring financial charges65€206€202▼
Profit (loss) for the period before taxes9903€-30k€-31k▼
Income taxes67/77€237€250▲
Profit (loss) for the period9904€-31k€-32k▼
Profit (loss) for the period to be appropriated9905€-31k€-32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-187k€-219k▼
Profit (loss) brought forward from the previous period14P€-157k€-187k▼
The notes to these accounts (12 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 28.82
Current ratio from 10.05 to 28.82; short-term debt falls from €48k to €14k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-146k
Net result drops to €-146k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 10.05
Current ratio from 3.37 to 10.05; short-term debt falls from €240k to €48k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €99k
Net result €99k after 2 loss-making years.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2002
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.
Tienne de Mousty 41340 Ottignies-Louvain-la-NeuveGround area
241 m²
Building footprint
77 m²
Volume, LiDAR
588 m³
Parcel 25083F0066/00Y005, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Tienne de Mousty 4, 1340 Ottignies-Louvain-la-Neuve
since 20022.094.775.277
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25083F0066/00Y005 | Wallonia | 241 m² | 1 · 77 m² | 10.1 m · 3 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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Of 1,530 companies in sector 68322 we hold annual accounts for 740. 469 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded21-05-2002
Fiscal year end31-12
Activities, NACEBEL
68322Real estate appraisal on a fee or contract basis
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@bjc-expertise.be
Phone:0497/466.932