BUREAU ED & JOY
ActiveThe annual accounts of BUREAU ED & JOY for fiscal year 2025 show a net loss of 54% of total assets. The 2025 annual accounts show equity of €16k and a net result of €-10k. Equity is growing by ~26.3% per year across the filed fiscal years. Its solvency ranks better than 84% of 31642 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency100▲+23
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 6.23 against 1.91 in 2024; short-term debt: 13.3% and cash: 23.4% of total assets), and 13.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
86.7%
Return on assets
-54%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
26 d late
2024
29 d late
2023
51 d late
2022
31 d late
2021
31 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▼ 38.4%
2024 · €26k
2021: €13k
2022: €5k
2023: €20k
2024: €26k
2021 → 2025
Total assets
€18k▼ 62.9%
2024 · €49k
2021: €38k
2022: €16k
2023: €38k
2024: €49k
2021 → 2025
Net result
€-10k
2024 · €16k
2021: €10k
2022: €-8k
2023: €15k
2024: €16k
2021 → 2025
Working capital
€13k▼ 40.5%
2024 · €21k
2021: €10k
2022: €-1k
2023: €16k
2024: €21k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€5k▼ 61.1%€20k▲ 308%€26k▲ 28.1%€16k▼ 38.4%
Operating result€13k-€-8k€18k€21k▲ 13.8%€-10k
Net result€10k-€-8k€15k€16k▲ 3.7%€-10k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €10k after €21k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €18k
Fixed assets
€3k▼ 28.1%
Current assets
€15k▼ 66.2%
Equity and liabilities €18k
Equity
€16k▼ 38.4%
Debt
€2k▼ 89.6%
The debt ratio falls from 47.7% to 13.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-9k▼
2024 · €22k
Cash flow
€-9k▼
2024 · €17k
Solvency
86.7%▲
2024 · 52.3%
Current ratio
6.23▲
2024 · 1.91
Quick ratio
6.23▲
2024 · 1.91
Debt / equity
0.15▼
2024 · 0.91
ROE
-62.3%▼
2024 · 61.1%
ROA
-54.0%▼
2024 · 32.0%
Debt
€2k▼
2024 · €23k
Debt ≤ 1 year
€2k▼
2024 · €23k
Income taxes
€96▼
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€49k€18k▼
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€2k€2k=
Current assets29/58€44k€15k▼
Amounts receivable within one year40/41€5k€11k▲
Other amounts receivable41€5k€11k▲
Current investments50/53€37k€60▼
Cash at bank and in hand54/58€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€49k€18k▼
Equity10/15€26k€16k▼
Contributions10/11€3k€3k=
Outside capital11€3k-
Other1109/19€3k-
Profit (loss) carried forward14€23k€13k▼
Amounts payable17/49€23k€2k▼
Amounts payable within one year42/48€23k€2k▼
Trade debts44€5k€57▼
Suppliers440/4€5k€57▼
Taxes, remuneration and social security45€11k€2k▼
Taxes450/3€11k€2k▼
Other amounts payable47/48€7k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8-€36
Gross operating margin9900€22k€-9k▼
Operating profit (loss)9901€21k€-10k▼
Financial income75/76B-€154
Recurring financial income75-€154
Financial charges65/66B€20-
Recurring financial charges65€20-
Profit (loss) for the period before taxes9903€20k€-10k▼
Income taxes67/77€5k€96▼
Profit (loss) for the period9904€16k€-10k▼
Profit (loss) for the period to be appropriated9905€16k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€33k€13k▼
Profit (loss) brought forward from the previous period14P€17k€23k▲
Profit to be distributed694/7€10k-
Return on contributions (dividend)694€10k-
The notes to these accounts (5 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Weakest financial yearnet €-10k ▼163%
Net result drops to €-10k, the lowest in the series.
31-12
Financial
Liquidity triplescurrent ratio 6.23
Current ratio from 1.91 to 6.23; short-term debt falls from €23k to €2k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2021net €16k ▲3.7%
Operating result €21k, net result €16k, both a record.
20-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 51 days late
2023
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.89
Current ratio from 0.87 to 1.89.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Lasne · 1 establishment unit since 2020
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.
Rue de la Bachée 491380 LasneGround area
1,268 m²
Building footprint
153 m²
Parcel 25087C0337/00H000, Wallonia. Linked by address, not a title deed.
1 establishment unit
BUREAU ED & JOY
since 20202.330.299.591
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25087C0337/00H000 | Wallonia | 1,268 m² | 1 · 153 m² | - |
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 82,570 companies in sector 70200 we hold annual accounts for 52,573. 27,959 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-09-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
62020IT consultancy
62200Computer consultancy and computer facilities management
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:h.desenfans@gmail.com