BJEL
ActiveBJEL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €198k and a net result of €52k. Equity is growing by ~40.8% per year across the filed fiscal years. Its solvency ranks better than 37% of 5495 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 21-10-2025, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
10 d early
2024
7 d early
2023
85 d late
2022
24 d late
2021
10 d late
2020
11 d late
2019
29 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close14-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€198k▲ 35.6%
2024 · €146k
2019: €46k
2020: €2k
2021: €-19k
2022: €88k
2023: €132k
2024: €146k
2019 → 2025
Net result
€52k▲ 268%
2024 · €14k
2019: €17k
2020: €-45k
2021: €-20k
2022: €107k
2023: €43k
2024: €14k
2019 → 2025
Total assets
€535k▼ 0.5%
2024 · €538k
2019: €82k
2020: €55k
2021: €73k
2022: €538k
2023: €556k
2024: €538k
2019 → 2025
Solvency
36.9%▲ 9.8pp
2024 · 27.1%
2019: 56.4%
2020: 2.9%
2021: -25.6%
2022: 16.4%
2023: 23.7%
2024: 27.1%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-19k-€88k€132k▲ 49.1%€146k▲ 10.7%€198k▲ 35.6%
Operating result€-19k-€26k€52k▲ 103%€27k▼ 48.7%€35k▲ 31.5%
Net result€-20k-€107k€43k▼ 59.4%€14k▼ 67.5%€52k▲ 268%
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 recovers in 2025; 2025 is 31% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €535k
Fixed assets
€511k▼ 2.5%
Current assets
€25k▲ 69.3%
Equity and liabilities €535k
Equity
€198k▲ 35.6%
Debt
€338k▼ 14.0%
The debt ratio falls from 72.9% to 63.1%: equity grows while debt is paid down.
Key figures and ratios
Solvency
36.9%▲
2024 · 27.1%
ROE
26.2%▲
2024 · 9.7%
ROA
9.7%▲
2024 · 2.6%
Debt
€338k▼
2024 · €393k
Debt ≤ 1 year
€271k▼
2024 · €293k
Debt > 1 year
€67k▼
2024 · €99k
Income taxes
€7k▲
2024 · €3k
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€538k€535k▼
Fixed assets21/28€524k€511k▼
Tangible fixed assets22/27€24k€11k▼
Land and buildings22€13k€7k▼
Plant, machinery and equipment23€1k€678▼
Furniture and vehicles24€10k€3k▼
Financial fixed assets28€500k€500k=
Current assets29/58€15k€25k▲
Amounts receivable within one year40/41-€7k
Trade receivables40-€6k
Other amounts receivable41-€1k
Current investments50/53€1k€1k=
Cash at bank and in hand54/58€12k€16k▲
Deferred charges and accrued income490/1€2k€183▼
Equity and liabilities
Total equity and liabilities10/49€538k€535k▼
Equity10/15€146k€198k▲
Contributions10/11€6k€6k=
Reserves13€140k€192k▲
Distributable reserves133€140k€192k▲
Amounts payable17/49€393k€338k▼
Amounts payable after more than one year17€99k€67k▼
Financial debts170/4€99k€67k▼
Amounts payable within one year42/48€293k€271k▼
Current portion of amounts payable after more than one year42€32k€33k▲
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Taxes, remuneration and social security45€8k€14k▲
Taxes450/3€8k€14k▲
Other amounts payable47/48€248k€223k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€1k€944▼
Gross operating margin9900€41k€49k▲
Operating profit (loss)9901€27k€35k▲
Financial income75/76B-€35k
Recurring financial income75-€35k
Financial charges65/66B€9k€12k▲
Recurring financial charges65€9k€12k▲
Profit (loss) for the period before taxes9903€17k€59k▲
Income taxes67/77€3k€7k▲
Profit (loss) for the period9904€14k€52k▲
Profit (loss) for the period to be appropriated9905€14k€52k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€52k▲
Transfer to equity691/2€14k€52k▲
To other reserves6921€14k€52k▲
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
2025
21-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Equity above €150kEq €198k ▲35.6%
4 profitable years in a row build equity to €198k.
2024
24-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
24-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 85 days late
2023
31-03
Financial
Equity above €100kEq €132k ▲49.1%
2 profitable years in a row build equity to €132k.
2022
24-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 24 days late
31-03
Financial
Back to profitnet €107k
Net result €107k after 2 loss-making years.
2021
10-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2020
11-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
31-03
Financial
Weakest financial yearnet €-45k ▼364%
Net result drops to €-45k, the lowest in the series; recovery starts the following year.
2019
29-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 29 days late
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
27-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2016
20-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Bree · 1 establishment unit since 2015
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.
Gijbelsstraat 173960 BreeGround area
1,258 m²
Building footprint
312 m²
Volume, LiDAR
1,726 m³
2 parcels, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BJEL
since 20152.243.454.107
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72402A0396/00E000 | Flanders | 913 m² | 1 · 163 m² | 7.9 m · 2 fl. |
| 72402A0382/00D000 | Flanders | 345 m² | 1 · 149 m² | 7.4 m · 2 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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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 13,467 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-07-2015
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.