C² & J 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 €177k and a net result of €40k. Equity is growing by ~12.3% per year across the filed fiscal years. Its solvency ranks better than 33% of 8006 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
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 31-12-2025 was due by 31-07-2026 and was filed on 30-04-2026, 92 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
92 d early
2024
31 d early
2023
48 d early
2022
41 d early
2021
18 d early
2020
38 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, micro schema
Equity
€177k▼ 13.3%
2024 · €204k
2020: €99k
2021: €144k
2022: €157k
2023: €172k
2024: €204k
2020 → 2025
Net result
€40k=
2024 · €40k
2020: €91k
2021: €45k
2022: €14k
2023: €14k
2024: €40k
2020 → 2025
Total assets
€587k▼ 1.4%
2024 · €595k
2020: €130k
2021: €194k
2022: €612k
2023: €591k
2024: €595k
2020 → 2025
Solvency
30.2%▼ 4.2pp
2024 · 34.3%
2020: 76.2%
2021: 74.0%
2022: 25.7%
2023: 29.1%
2024: 34.3%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€144k-€157k▲ 9.4%€172k▲ 9.2%€204k▲ 19.0%€177k▼ 13.3%
Operating result€55k-€24k▼ 56.3%€32k▲ 31.8%€62k▲ 93.5%€61k▼ 1.3%
Net result€45k-€14k▼ 69.6%€14k▲ 6.9%€40k▲ 175%€40k=
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €587k
Fixed assets
€530k▼ 7.0%
Current assets
€56k▲ 125%
Equity and liabilities €587k
Equity
€177k▼ 13.3%
Debt
€410k▲ 4.9%
The debt ratio rises from 65.7% to 69.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
30.2%▼
2024 · 34.3%
ROE
22.5%▲
2024 · 19.5%
ROA
6.8%▲
2024 · 6.7%
Debt
€410k▲
2024 · €391k
Debt ≤ 1 year
€91k▲
2024 · €47k
Debt > 1 year
€316k▼
2024 · €341k
Income taxes
€11k▲
2024 · €10k
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€595k€587k▼
Fixed assets21/28€570k€530k▼
Tangible fixed assets22/27€570k€530k▼
Land and buildings22€213k€190k▼
Plant, machinery and equipment23€112€0▼
Furniture and vehicles24€4k€3k▼
Other tangible fixed assets26€352k€337k▼
Current assets29/58€25k€56k▲
Amounts receivable within one year40/41€10k€15k▲
Trade receivables40€10k€10k=
Other amounts receivable41€0€5k▲
Current investments50/53€14k€31k▲
Cash at bank and in hand54/58-€10k
Deferred charges and accrued income490/1€746€0▼
Equity and liabilities
Total equity and liabilities10/49€595k€587k▼
Equity10/15€204k€177k▼
Contributions10/11€19k€19k=
Reserves13€186k€159k▼
Distributable reserves133€186k€159k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€391k€410k▲
Amounts payable after more than one year17€341k€316k▼
Financial debts170/4€341k€316k▼
Amounts payable within one year42/48€47k€91k▲
Current portion of amounts payable after more than one year42€24k€25k▲
Financial debts43€396€0▼
Credit institutions430/8€396€0▼
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€18k€23k▲
Taxes450/3€18k€23k▲
Other amounts payable47/48€880€40k▲
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€18k▲
Other operating charges640/8€24k€23k▼
Gross operating margin9900€101k€102k▲
Operating profit (loss)9901€62k€61k▼
Financial income75/76B€0€203▲
Recurring financial income75€0€203▲
Financial charges65/66B€12k€11k▼
Recurring financial charges65€12k€11k▼
Profit (loss) for the period before taxes9903€50k€50k▲
Income taxes67/77€10k€11k▲
Profit (loss) for the period9904€40k€40k=
Profit (loss) for the period to be appropriated9905€40k€40k=
Appropriation of the result
Profit (loss) to be appropriated9906€40k€40k=
Transfer from equity791/2-€27k
Transfer to equity691/2€22k€0▼
To other reserves6921€22k€0▼
Profit to be distributed694/7€18k€67k▲
Return on contributions (dividend)694€18k€67k▲
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
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €204k ▲19%
5 profitable years in a row build equity to €204k.
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €14k ▼69.6%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €157k ▲9.4%
3 profitable years in a row build equity to €157k.
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €144k ▲44.8%
2 profitable years in a row build equity to €144k.
07-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 38 days late
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, Menen · 1 establishment unit since 2019
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.
Wervikstraat 508930 MenenGround area
526 m²
Building footprint
163 m²
Volume, LiDAR
927 m³
Parcel 34027E1108/00A000, Flanders · tallest building 12.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
C² & J
since 20192.287.042.145
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34027E1108/00A000 | Flanders | 525 m² | 1 · 163 m² | 12.1 m · 1 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 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,487 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-02-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
66300Activities auxiliary to financial services and insurance activities
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:000000000