C.J. DESIGN
ActiveC.J. DESIGN has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €46k and a net result of €5k. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 55% of 290 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
81
/ 100
Excellent▼ -8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability56▼-43
Solvency88▲+3
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.83 against 1.76 in 2023), but 53% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 13
Relative position
BE, all sectors
reference
Sector 13
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
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 2024Solvency, return and age of the figures
Solvency
47%
Return on assets
5.2%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
34 d early
2023
6 d early
2022
29 d late
2021
12 d late
2018
44 d late
2017
30 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€46k▲ 12.5%
2023 · €41k
2018: €33k
2021: €35k
2022: €33k
2023: €41k
2018 → 2024
Total assets
€99k▲ 8.3%
2023 · €91k
2018: €51k
2021: €76k
2022: €77k
2023: €91k
2018 → 2024
Net result
€5k▼ 36.7%
2023 · €8k
2018: €6k
2021: €15k
2022: €-2k
2023: €8k
2018 → 2024
Working capital
€43k▲ 13.8%
2023 · €38k
2018: €21k
2021: €31k
2022: €29k
2023: €38k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20182021202220232024Trend
Equity€33k-€35k▲ 5.7%€33k▼ 4.8%€41k▲ 24.6%€46k▲ 12.5%
Operating result€5k-€16k▲ 231%€-1k€9k€8k▼ 10.3%
Net result€6k-€15k▲ 179%€-2k€8k€5k▼ 36.7%
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 2024; 2024 is 10% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €99k
Fixed assets
€3k▼ 3.1%
Current assets
€96k▲ 8.7%
Equity and liabilities €99k
Equity
€46k▲ 12.5%
Debt
€52k▲ 4.8%
The debt ratio falls from 54.7% to 53.0%: equity grows faster than debt.
Key figures and ratios
EBITDA
€9k▼
2023 · €10k
Cash flow
€6k▼
2023 · €9k
Solvency
47.0%▲
2023 · 45.3%
Current ratio
1.83▲
2023 · 1.76
Quick ratio
0.86▲
2023 · 0.86
Debt / equity
1.13▼
2023 · 1.21
ROE
11.1%▼
2023 · 19.7%
ROA
5.2%▼
2023 · 8.9%
Interest coverage
8.83▼
2023 · 12.73
Debt
€52k▲
2023 · €50k
Debt ≤ 1 year
€52k▲
2023 · €50k
Income taxes
€2k▲
2023 · €159
Staff costs
€36k▼
2023 · €44k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€91k€99k▲
Fixed assets21/28€3k€3k▼
Tangible fixed assets22/27€3k€3k▼
Plant, machinery and equipment23€1k€924▼
Furniture and vehicles24€1k€2k▲
Other tangible fixed assets26€614€460▼
Current assets29/58€88k€96k▲
Stocks and contracts in progress3€45k€51k▲
Stocks30/36€45k€51k▲
Amounts receivable within one year40/41€34k€29k▼
Trade receivables40€33k€29k▼
Other amounts receivable41€1k€0▼
Cash at bank and in hand54/58€8k€15k▲
Deferred charges and accrued income490/1€926€930▲
Equity and liabilities
Total equity and liabilities10/49€91k€99k▲
Equity10/15€41k€46k▲
Contributions10/11€16k€16k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€23k€28k▲
Amounts payable17/49€50k€52k▲
Amounts payable within one year42/48€50k€52k▲
Trade debts44€24k€33k▲
Suppliers440/4€24k€33k▲
Taxes, remuneration and social security45€16k€12k▼
Taxes450/3€11k€8k▼
Remuneration and social security454/9€5k€4k▼
Other amounts payable47/48€9k€7k▼
Income statement
Code20232024
Non-recurring operating income76A€3k€673▼
Remuneration, social security and pensions62€44k€36k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€975€998▲
Other operating charges640/8€1k€863▼
Gross operating margin9900€55k€46k▼
Operating profit (loss)9901€9k€8k▼
Financial income75/76B€31€69▲
Recurring financial income75€31€69▲
Financial charges65/66B€788€1k▲
Recurring financial charges65€788€1k▲
Profit (loss) for the period before taxes9903€8k€7k▼
Income taxes67/77€159€2k▲
Profit (loss) for the period9904€8k€5k▼
Profit (loss) for the period to be appropriated9905€8k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€28k▲
Profit (loss) brought forward from the previous period14P€15k€23k▲
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
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Weakest financial yearnet €-2k ▼111%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
31-12
Financial
Highest result since 2018net €15k ▲179%
Operating result €16k, net result €15k, both a record.
2019
13-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 44 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
2016
25-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 25 days late
2015
31-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 31 days late
2014
29-08
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Houyet · 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.
Herock, Ciergnon 295560 HouyetGround area
1,711 m²
Building footprint
171 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
Catherine Colot - Intérieurs d'Exception
since 20152.240.416.126
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91029A0042/00D000 | Wallonia | 1,593 m² | 1 · 86 m² | - |
| 91114A1109/00E000 | Wallonia | 118 m² | 1 · 85 m² | - |
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.
Similar companies · same sector, comparable size
GARNIWAT
BE 0423.263.953
Halen · Eq €49k
LGK Confection
BE 1000.444.439
Chièvres · Eq €44k
PREFIL
BE 0441.995.643
Raeren · Eq €56k
TOPS
BE 0893.232.913
Oud-Turnhout · Eq €37k
RCS LAKWERKEN
BE 0661.935.027
Bree · Eq €36k
Of 137 companies in sector 13960 we hold annual accounts for 83. 38 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-03-1997
Fiscal year end31-12
Activities, NACEBEL
13960Manufacture of textiles
17540
47559Retail sale of other household articles
47599Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
52421
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.