Summary
C.L.C.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 €230k and a net result of €-111k. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 13% of 2394 sector peers (fiscal year 2025). The company has been active since 2003 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 check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 2394 sector peers (2025).
NBB · sector comparisonPosition among 2394 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-01-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
23 d early
2023
40 d early
2022
14 d early
2021
21 d early
2020
9 d early
2019
23 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€230k▼ 32.5%
2024 · €341k
2019: €253k
2020: €271k
2021: €307k
2022: €314k
2023: €309k
2024: €341k
2019 → 2025
Net result
€-111k
2024 · €31k
2019: €-45k
2020: €18k
2021: €36k
2022: €8k
2023: €-5k
2024: €31k
2019 → 2025
Total assets
€1.80M▼ 4.9%
2024 · €1.89M
2019: €1.86M
2020: €1.90M
2021: €1.90M
2022: €1.90M
2023: €1.88M
2024: €1.89M
2019 → 2025
Solvency
12.8%▼ 5.2pp
2024 · 18.1%
2019: 13.6%
2020: 14.3%
2021: 16.2%
2022: 16.5%
2023: 16.4%
2024: 18.1%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€509k-€465k▼ 8.8%€496k▲ 6.7%€563k▲ 13.6%€653k▲ 15.9%
Equity€307k-€314k▲ 2.4%€309k▼ 1.5%€341k▲ 10.1%€230k▼ 32.5%
Operating result€110k-€67k▼ 39.2%€49k▼ 26.4%€98k▲ 99.9%€-48k
Net result€36k-€8k▼ 78.9%€-5k€31k€-111k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €48k after €98k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.80M
Fixed assets
€1.43M ▼ 12.8%
Current assets
€365k ▲ 47.5%
Equity and liabilities €1.80M
Equity
€230k ▼ 32.5%
Debt
€1.57M ▲ 1.2%
Debt's share of the balance-sheet total rises from 81.9% to 87.2%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-48.1%▼
2024 · 9.2%
ROA
-6.2%▼
2024 · 1.7%
Debt ≤ 1 year
€816k▼
2024 · €832k
Debt > 1 year
€715k=
2024 · €715k
Income taxes
€1▼
2024 · €15k
Staff costs
€8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 63 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.89M€1.80M▼
Formation expenses20€0€0=
Fixed assets21/28€1.64M€1.43M▼
Intangible fixed assets21€1.00M€778k▼
Tangible fixed assets22/27€640k€652k▲
Land and buildings22€306k€293k▼
Plant, machinery and equipment23€36k€42k▲
Furniture and vehicles24€100k€120k▲
Other tangible fixed assets26€197k€197k=
Current assets29/58€248k€365k▲
Amounts receivable within one year40/41€89k€138k▲
Trade receivables40€4k€38k▲
Other amounts receivable41€84k€99k▲
Current investments50/53€5k€5k=
Cash at bank and in hand54/58€98k€173k▲
Deferred charges and accrued income490/1€56k€50k▼
Equity and liabilities
Total equity and liabilities10/49€1.89M€1.80M▼
Equity10/15€341k€230k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€50k€47k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€9k€6k▼
Distributable reserves133€35k€35k=
Profit (loss) carried forward14€229k€121k▼
Provisions and deferred taxes16€0-
Deferred taxes168€0-
Amounts payable17/49€1.55M€1.57M▲
Amounts payable after more than one year17€715k€715k=
Financial debts170/4€715k€715k=
Amounts payable within one year42/48€832k€816k▼
Current portion of amounts payable after more than one year42€512€0▼
Trade debts44€23k€42k▲
Suppliers440/4€23k€42k▲
Advances received on contracts in progress46€44k€5k▼
Taxes, remuneration and social security45€38k€44k▲
Taxes450/3€38k€43k▲
Remuneration and social security454/9€0€1k▲
Other amounts payable47/48€726k€726k=
Accrued charges and deferred income492/3€0€34k▲
Income statement
Code20242025
Turnover70€563k€653k▲
Goods, raw materials, services and sundry goods60/61€440k€443k▲
Remuneration, social security and pensions62-€8k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€249k▲
Other operating charges640/8€6k€14k▲
Gross operating margin9900€140k€222k▲
Operating profit (loss)9901€98k€-48k▼
Financial income75/76B€305€841▲
Recurring financial income75€305€841▲
Financial charges65/66B€52k€64k▲
Recurring financial charges65€52k€64k▲
Profit (loss) for the period before taxes9903€46k€-111k▼
Income taxes67/77€15k€1▼
Profit (loss) for the period9904€31k€-111k▼
Transfer from tax-exempt reserves789€3k€3k=
Profit (loss) for the period to be appropriated9905€35k€-107k▼
Appropriation of the result
Profit (loss) to be appropriated9906€263k€121k▼
Profit (loss) brought forward from the previous period14P€229k€229k=
Transfer to equity691/2€35k-
To other reserves6921€35k-
Social balance
Average headcount (FTE)9087-0.4
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
16-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-06
Financial
Weakest financial yearnet €-111k ▼453%
Net result drops to €-111k, the lowest in the series.
08-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-06
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
17-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
10-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-06
Financial
Highest result since 2019net €36k ▲98.2%
Operating result €110k, net result €36k, both a record.
22-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-06
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
08-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
28-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
24-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
23-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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 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.
Avenue des Dryades 17 A1380 LasneGround area
1,098 m²
Building footprint
192 m²
Volume, LiDAR
1,031 m³
Parcel 25076F0018/00H000, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Avenue des Dryades 17 A, 1380 Lasne
since 20032.133.888.053
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076F0018/00H000 | Wallonia | 1,098 m² | 1 · 192 m² | 7.9 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.
Similar companies · same sector, comparable size
EMANNLOU
BE 0731.967.641
Anzegem · Eq €230,092
VIKTUUR
BE 0794.706.251
Roosdaal · Eq €230,016
Holding Römkens
BE 0691.760.547
Genk · Eq €230,182
VH Consult
BE 0717.674.492
Heist-op-den-Berg · Eq €230,209
GACON
BE 0750.994.487
Antwerpen · Eq €230,276
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,572 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded17-09-2003
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.