BJK
ActiveBJK has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €237k and a net result of €10k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 89% of 3102 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+5
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 2.34 against 1.11 in 2024; short-term debt: 10.3% and cash: 0.5% of total assets), and 16% 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 01
Relative position
BE, all sectors
reference
Sector 01
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
84%
Return on assets
3.5%
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 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
6 d late
2023
on the day
2022
on the day
2021
2 d late
2020
31 d late
2019
on the day
← 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
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€237k▲ 4.4%
2024 · €227k
2018: €198k
2019: €230k
2020: €224k
2021: €236k
2022: €234k
2023: €229k
2024: €227k
2018 → 2025
Total assets
€282k▼ 4.5%
2024 · €295k
2018: €316k
2019: €334k
2020: €364k
2021: €339k
2022: €317k
2023: €303k
2024: €295k
2018 → 2025
Net result
€10k
2024 · €-3k
2018: €16k
2019: €32k
2020: €-7k
2021: €8k
2022: €-2k
2023: €-5k
2024: €-3k
2018 → 2025
Working capital
€39k▲ 592%
2024 · €6k
2018: €-22k
2019: €-26k
2020: €-31k
2021: €-8k
2022: €2k
2023: €12k
2024: €6k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€236k-€234k▼ 0.6%€229k▼ 2.1%€227k▼ 1.1%€237k▲ 4.4%
Operating result€14k-€-2k€-6k▼ 217%€-4k▲ 28.4%€14k
Net result€8k-€-2k€-5k▼ 226%€-3k▲ 47.4%€10k
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: €14k after a loss of €4k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €282k
Fixed assets
€214k▼ 10.2%
Current assets
€68k▲ 19.2%
Equity and liabilities €282k
Equity
€237k▲ 4.4%
Provisions
€15k▼ 6.4%
Debt
€30k▼ 42.5%
The debt ratio falls from 17.7% to 10.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€25k▲
2024 · €12k
Cash flow
€21k▲
2024 · €14k
Solvency
84.0%▲
2024 · 76.9%
Current ratio
2.34▲
2024 · 1.11
Quick ratio
2.34▲
2024 · 1.11
Debt / equity
0.13▼
2024 · 0.23
ROE
4.2%▲
2024 · -1.1%
ROA
3.5%▲
2024 · -0.9%
Interest coverage
78.20▲
2024 · 18.22
Debt
€30k▼
2024 · €52k
Debt ≤ 1 year
€29k▼
2024 · €51k
Income taxes
€6k
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€295k€282k▼
Fixed assets21/28€238k€214k▼
Tangible fixed assets22/27€238k€214k▼
Land and buildings22€225k€214k▼
Furniture and vehicles24€13k-
Current assets29/58€57k€68k▲
Amounts receivable after more than one year29€18k€18k=
Other amounts receivable291€18k€18k=
Amounts receivable within one year40/41€31k€48k▲
Trade receivables40€15k€19k▲
Other amounts receivable41€16k€28k▲
Cash at bank and in hand54/58€8k€1k▼
Deferred charges and accrued income490/1€163€163=
Equity and liabilities
Total equity and liabilities10/49€295k€282k▼
Equity10/15€227k€237k▲
Contributions10/11€25k€25k=
Reserves13€142k€152k▲
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Tax-exempt reserves132€65k€62k▼
Distributable reserves133€74k€87k▲
Profit (loss) carried forward14€60k€60k=
Provisions and deferred taxes16€16k€15k▼
Deferred taxes168€16k€15k▼
Amounts payable17/49€52k€30k▼
Amounts payable within one year42/48€51k€29k▼
Current portion of amounts payable after more than one year42€18k-
Trade debts44€11k€11k▲
Suppliers440/4€11k€11k▲
Taxes, remuneration and social security45€628€7k▲
Taxes450/3€628€7k▲
Other amounts payable47/48€22k€11k▼
Accrued charges and deferred income492/3€918€1k▲
Income statement
Code20242025
Non-recurring operating income76A€1k€17k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€11k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€14k€27k▲
Operating profit (loss)9901€-4k€14k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€664€320▼
Recurring financial charges65€664€320▼
Profit (loss) for the period before taxes9903€-4k€15k▲
Transfer from deferred taxes780€1k€1k=
Income taxes67/77-€6k
Profit (loss) for the period9904€-3k€10k▲
Transfer from tax-exempt reserves789€3k€3k=
Profit (loss) for the period to be appropriated9905€432€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€60k€73k▲
Profit (loss) brought forward from the previous period14P€60k€60k▲
Transfer to equity691/2-€13k
To other reserves6921-€13k
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
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €10k
Net result €10k after 3 loss-making years.
30-09
Financial
Liquidity doublescurrent ratio 2.34
Current ratio from 1.11 to 2.34; short-term debt falls from €51k to €29k.
06-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
30-09
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
30-09
Financial
Weakest financial yearnet €-7k ▼120%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Highest result since 2018net €32k ▲94.6%
Operating result €62k, net result €32k, both a record.
30-09
Financial
Equity above €200kEq €230k ▲16.1%
2 profitable years in a row build equity to €230k.
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-04
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, Nazareth-De Pinte · 1 establishment unit since 2003
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.
Oudenaardseheerweg 1299810 Nazareth-De PinteGround area
6,927 m²
Building footprint
589 m²
Volume, LiDAR
1,093 m³
2 parcels, Flanders, Wallonia · tallest building 4.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BJK
since 20032.135.165.582
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83028D0833/00C002 | Wallonia | 5,836 m² | 1 · 259 m² | - |
| 44048E0118/00P000 | Flanders | 1,091 m² | 1 · 330 m² | 4.0 m · 1 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 7,637 companies in sector 01410 we hold annual accounts for 1,849. 1,567 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded09-12-2003
Fiscal year end30-09
Activities, NACEBEL
01210
01410Raising of dairy cattle
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesPhone:0475-38 23 38
Fax:09-335 68 34