C&J Group
ActiveC&J Group has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €178k and a net result of €18k. Equity is growing by ~31.8% per year across the filed fiscal years. Its solvency ranks better than 66% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability51▼-49
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 6.97 against 16.89 in 2024), and 28.7% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
71.3%
Return on assets
7.3%
Age of the figures
8 mo
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
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 27-03-2026, 126 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
126 d early
2024
45 d early
2023
30 d early
2022
52 d early
2021
51 d early
2020
51 d early
2019
193 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€178k▲ 11.4%
2024 · €160k
2019: €6k
2020: €36k
2021: €65k
2022: €93k
2023: €127k
2024: €160k
2019 → 2025
Total assets
€250k▲ 47.8%
2024 · €169k
2019: €9k
2020: €49k
2021: €74k
2022: €100k
2023: €129k
2024: €169k
2019 → 2025
Net result
€18k▼ 45.3%
2024 · €33k
2019: €-6k
2020: €30k
2021: €29k
2022: €28k
2023: €34k
2024: €33k
2019 → 2025
Working capital
€121k▼ 17.0%
2024 · €146k
2019: €-2k
2020: €26k
2021: €57k
2022: €86k
2023: €121k
2024: €146k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€65k-€93k▲ 42.2%€127k▲ 36.5%€160k▲ 26.3%€178k▲ 11.4%
Operating result€40k-€38k▼ 5.4%€49k▲ 30.6%€48k▼ 2.7%€26k▼ 46.8%
Net result€29k-€28k▼ 5.0%€34k▲ 22.8%€33k▼ 1.6%€18k▼ 45.3%
Turnover and EBIT margin not published: the abbreviated or 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 47% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €250k
Fixed assets
€109k▲ 670%
Current assets
€142k▼ 8.8%
Equity and liabilities €250k
Equity
€178k▲ 11.4%
Debt
€72k▲ 683%
The debt ratio rises from 5.4% to 28.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€52k▲
2024 · €49k
Cash flow
€45k▲
2024 · €35k
Solvency
71.3%▼
2024 · 94.6%
Current ratio
6.97▼
2024 · 16.89
Quick ratio
6.97▼
2024 · 16.89
Debt / equity
0.40▲
2024 · 0.06
ROE
10.2%▼
2024 · 20.8%
ROA
7.3%▼
2024 · 19.7%
Interest coverage
18.10▼
2024 · 173.05
Debt
€72k▲
2024 · €9k
Debt ≤ 1 year
€20k▲
2024 · €9k
Debt > 1 year
€52k
Income taxes
€8k▼
2024 · €17k
Staff costs
€149▼
2024 · €9k
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€169k€250k▲
Fixed assets21/28€14k€109k▲
Intangible fixed assets21€4k€3k▼
Tangible fixed assets22/27€9k€105k▲
Furniture and vehicles24€9k€105k▲
Financial fixed assets28€1k€1k=
Current assets29/58€155k€142k▼
Amounts receivable after more than one year29€86k€92k▲
Other amounts receivable291€86k€92k▲
Amounts receivable within one year40/41€12k€13k▲
Trade receivables40€12k€11k▼
Other amounts receivable41-€2k
Cash at bank and in hand54/58€58k€36k▼
Equity and liabilities
Total equity and liabilities10/49€169k€250k▲
Equity10/15€160k€178k▲
Contributions10/11€12k€12k=
Reserves13€148k€166k▲
Distributable reserves133€148k€166k▲
Amounts payable17/49€9k€72k▲
Amounts payable after more than one year17-€52k
Financial debts170/4-€52k
Amounts payable within one year42/48€9k€20k▲
Current portion of amounts payable after more than one year42-€14k
Trade debts44€1k€83▼
Suppliers440/4€1k€83▼
Taxes, remuneration and social security45€8k€6k▼
Taxes450/3€8k€6k▼
Income statement
Code20242025
Remuneration, social security and pensions62€9k€149▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€26k▲
Gross operating margin9900€58k€52k▼
Operating profit (loss)9901€48k€26k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€285€3k▲
Recurring financial charges65€285€3k▲
Profit (loss) for the period before taxes9903€50k€26k▼
Income taxes67/77€17k€8k▼
Profit (loss) for the period9904€33k€18k▼
Profit (loss) for the period to be appropriated9905€33k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€33k€18k▼
Transfer to equity691/2€33k€18k▼
To other reserves6921€33k€18k▼
The notes to these accounts (11 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
27-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €160k ▲26.3%
5 profitable years in a row build equity to €160k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2019net €34k ▲22.8%
Operating result €49k, net result €34k, both a record.
31-12
Financial
Liquidity times 5current ratio 58.25
Current ratio from 12.57 to 58.25; short-term debt falls from €7k to €2k.
31-12
Financial
Equity above €100kEq €127k ▲36.5%
4 profitable years in a row build equity to €127k.
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 7.46
Current ratio from 3.10 to 7.46; short-term debt falls from €13k to €9k.
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
09-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 193 days late
2020
31-12
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
31-12
Financial
Liquidity times 13current ratio 3.10
Current ratio from 0.24 to 3.10.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Herent · 1 establishment unit since 2018
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.
Brusselsesteenweg 3333020 HerentGround area
2,784 m²
Building footprint
198 m²
Volume, LiDAR
1,264 m³
Parcel 24111E0569/00L000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
C & J Group BV
since 20182.280.653.013
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24111E0569/00L000 | Flanders | 2,784 m² | 1 · 198 m² | 9.7 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 5,549 EUR awarded · 5,549 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 5,549 EUR | 5,549 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
MPAKT
BE 0777.855.470
Wezembeek-Oppem · Eq €178k
LEAD2GROW
BE 0722.865.081
Heusden-Zolder · Eq €178k
TM 28 CONSULTING
BE 0735.690.659
Walhain · Eq €178k
LOSS CONTROL SOLUTIONS
BE 0478.340.058
Essen · Eq €178k
TITRES SERVICES WALLONIE
BE 0650.962.743
Lasne · Eq €178k
Of 82,241 companies in sector 70200 we hold annual accounts for 52,386. 40,474 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-07-2018
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
62020IT consultancy
62200Computer consultancy and computer facilities management
82300Organisation of conventions and trade shows
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.
Contact details
1 entryE-mail:abdulrahman.chaar@gmail.com