BJFloors
ActiveThe computed 12-month bankruptcy probability of BJFloors is 2.4% (moderate). The 2025 annual accounts show equity of €63k and a net result of €8k. Equity is growing by ~25.3% per year across the filed fiscal years. Its solvency ranks better than 36% of 27787 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-4
Solvency59▲+15
Growth52=
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.49 against 1.28 in 2024; short-term debt: 43.3% and cash: 22.7% of total assets), and 66% 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+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
34%
Return on assets
4.2%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-04-2026, 7 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
7 d early
2024
1 d early
2023
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€63k▲ 14.1%
2024 · €55k
2023: €35k
2024: €55k
2023 → 2025
Total assets
€186k▼ 34.7%
2024 · €284k
2023: €162k
2024: €284k
2023 → 2025
Net result
€8k▼ 61.5%
2024 · €20k
2023: €34k
2024: €20k
2023 → 2025
Working capital
€39k▼ 21.4%
2024 · €50k
2023: €27k
2024: €50k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€35k-€55k▲ 57.5%€63k▲ 14.1%
Operating result€44k-€29k▼ 33.9%€13k▼ 56.3%
Net result€34k-€20k▼ 40.8%€8k▼ 61.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 56% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €186k
Fixed assets
€66k▲ 15.4%
Current assets
€120k▼ 47.2%
Equity and liabilities €186k
Equity
€63k▲ 14.1%
Debt
€123k▼ 46.4%
The debt ratio falls from 80.5% to 66.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€30k▼
2024 · €42k
Cash flow
€25k▼
2024 · €33k
Solvency
34.0%▲
2024 · 19.5%
Current ratio
1.49▲
2024 · 1.28
Quick ratio
1.46▲
2024 · 1.28
Debt / equity
1.94▼
2024 · 4.14
ROE
12.3%▼
2024 · 36.5%
ROA
4.2%▼
2024 · 7.1%
Interest coverage
8.84▲
2024 · 8.68
Debt
€123k▼
2024 · €229k
Debt ≤ 1 year
€80k▼
2024 · €177k
Debt > 1 year
€42k▲
2024 · €37k
Income taxes
€2k▼
2024 · €5k
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€284k€186k▼
Fixed assets21/28€57k€66k▲
Tangible fixed assets22/27€57k€66k▲
Land and buildings22€1k€1k▼
Plant, machinery and equipment23€10k€8k▼
Furniture and vehicles24€46k€57k▲
Current assets29/58€227k€120k▼
Amounts receivable after more than one year29€82k-
Trade receivables290€82k-
Stocks and contracts in progress3-€2k
Stocks30/36-€2k
Amounts receivable within one year40/41€112k€75k▼
Trade receivables40€105k€71k▼
Other amounts receivable41€7k€4k▼
Cash at bank and in hand54/58€33k€42k▲
Deferred charges and accrued income490/1€525€143▼
Equity and liabilities
Total equity and liabilities10/49€284k€186k▼
Equity10/15€55k€63k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€54k€62k▲
Amounts payable17/49€229k€123k▼
Amounts payable after more than one year17€37k€42k▲
Financial debts170/4€37k€42k▲
Amounts payable within one year42/48€177k€80k▼
Current portion of amounts payable after more than one year42€11k€17k▲
Trade debts44€121k€52k▼
Suppliers440/4€121k€52k▼
Advances received on contracts in progress46€10k-
Taxes, remuneration and social security45€1k€208▼
Taxes450/3€1k€208▼
Other amounts payable47/48€34k€11k▼
Accrued charges and deferred income492/3€15k-
Income statement
Code20242025
Remuneration, social security and pensions62€63k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€17k▲
Other operating charges640/8€886€686▼
Gross operating margin9900€106k€31k▼
Operating profit (loss)9901€29k€13k▼
Financial income75/76B€2k€425▼
Recurring financial income75€2k€425▼
Financial charges65/66B€5k€3k▼
Recurring financial charges65€5k€3k▼
Profit (loss) for the period before taxes9903€26k€10k▼
Income taxes67/77€5k€2k▼
Profit (loss) for the period9904€20k€8k▼
Profit (loss) for the period to be appropriated9905€20k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€54k€62k▲
Profit (loss) brought forward from the previous period14P€34k€54k▲
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
23-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €8k ▼61.5%
Net result drops to €8k, the lowest in the series.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Zonnebeke · 1 establishment unit since 2023
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.
Dadizelestraat 1048980 ZonnebekeGround area
1,682 m²
Building footprint
158 m²
Volume, LiDAR
961 m³
Parcel 33001E0294/00F002, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BE-FLOOR
since 20232.341.140.530
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33001E0294/00F002 | Flanders | 1,682 m² | 1 · 158 m² | 8.7 m · 2 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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BE 0827.769.690
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FABIEN ISERENTANT
BE 0459.604.509
Herve · Eq €63k
Carrelage DELFOSSE JF
BE 0810.897.333
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I&A CONSTRUCT
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Of 3,963 companies in sector 43331 we hold annual accounts for 1,791. 1,561 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-01-2023
Fiscal year end30-09
Activities, NACEBEL
43331Floor and wall tiling
43350Other building finishing work
43990Other specialised construction activities
43999Specialised construction activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.