C.L.J. CONCEPT
ActiveSummary
The computed 12-month bankruptcy probability of C.L.J. CONCEPT is 3.2% (moderate). The 2025 annual accounts show equity of €76k and a net result of €25k. Equity is growing by ~46.5% per year across the filed fiscal years. Its solvency ranks better than 85% of 13305 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+28
Solvency97▼-3
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.84 against 3.75 in 2024; short-term debt: 27.8% and cash: 11.4% of total assets), and 27.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
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
72.2%
Return on assets
23.3%
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 28-08-2026, 28 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 · 4 filingsDeviation from the deadline
2025
28 d late
2024
2 d early
2023
30 d late
2022
67 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€76k▲ 47.7%
2024 · €52k
2022: €4k
2023: €51k
2024: €52k
2022 → 2025
Total assets
€106k▲ 65.9%
2024 · €64k
2022: €50k
2023: €80k
2024: €64k
2022 → 2025
Net result
€25k▲ 2,983%
2024 · €800
2022: €2k
2023: €47k
2024: €800
2022 → 2025
Working capital
€54k▲ 63.3%
2024 · €33k
2022: €-22k
2023: €30k
2024: €33k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€4k-€51k▲ 1,074%€52k▲ 1.6%€76k▲ 47.7%
Operating result€2k-€46k▲ 1,861%€1k▼ 97.5%€42k▲ 3,506%
Net result€2k-€47k▲ 1,891%€800▼ 98.3%€25k▲ 2,983%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 3,506% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €106k
Fixed assets
€22k ▲ 20.0%
Current assets
€83k ▲ 84.8%
Equity and liabilities €106k
Equity
€76k ▲ 47.7%
Debt
€29k ▲ 144%
Debt's share of the balance-sheet total rises from 18.9% to 27.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€49k▲
2024 · €7k
Cash flow
€32k▲
2024 · €7k
Current ratio
2.84▼
2024 · 3.75
Debt to equity
0.38▲
2024 · 0.23
ROE
32.3%▲
2024 · 1.5%
ROA
23.3%▲
2024 · 1.3%
Interest coverage
79.46▲
2024 · 7.62
Debt ≤ 1 year
€29k▲
2024 · €12k
Income taxes
€18k▲
2024 · €509
Staff costs
€39k▲
2024 · €31k
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 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€64k€106k▲
Fixed assets21/28€19k€22k▲
Tangible fixed assets22/27€19k€22k▲
Furniture and vehicles24€19k€22k▲
Current assets29/58€45k€83k▲
Amounts receivable within one year40/41€36k€71k▲
Trade receivables40€30k€17k▼
Other amounts receivable41€6k€54k▲
Cash at bank and in hand54/58€9k€12k▲
Equity and liabilities
Total equity and liabilities10/49€64k€106k▲
Equity10/15€52k€76k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€50k€74k▲
Amounts payable17/49€12k€29k▲
Amounts payable within one year42/48€12k€29k▲
Trade debts44€12k€29k▲
Suppliers440/4€12k€29k▲
Taxes, remuneration and social security45€450-
Remuneration and social security454/9€450-
Other amounts payable47/48€17-
Income statement
Code20242025
Remuneration, social security and pensions62€31k€39k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k▲
Non-recurring operating charges66A€343-
Gross operating margin9900€39k€89k▲
Operating profit (loss)9901€1k€42k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€965€623▼
Recurring financial charges65€965€623▼
Profit (loss) for the period before taxes9903€1k€43k▲
Income taxes67/77€509€18k▲
Profit (loss) for the period9904€800€25k▲
Profit (loss) for the period to be appropriated9905€800€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€50k€74k▲
Profit (loss) brought forward from the previous period14P€49k€50k▲
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €800 ▼98.3%
Net result drops to €800, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2022net €47k ▲1891%
Operating result €46k, net result €47k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 2.05
Current ratio from 0.52 to 2.05; short-term debt falls from €46k to €29k.
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 67 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, Zaventem · 1 establishment unit since 2021
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.
Leuvensesteenweg 3691932 ZaventemGround area
6,868 m²
Building footprint
2,126 m²
Volume, LiDAR
30,881 m³
2 parcels, Flanders · tallest building 19.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
GARDEN FOOD
since 20212.317.480.745
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23078A0295/00G000 | Flanders | 6,388 m² | 1 · 1,911 m² | 19.1 m · 5 fl. |
| 23078C0089/00T000indicative | Flanders | 480 m² | 1 · 215 m² | 13.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteZaventem2.317.480.745
Similar companies · same sector, comparable size
B&G
BE 0776.508.754
Schoten · Eq €76,415
VERMOVAN
BE 1025.350.970
Waregem · Eq €76,375
TASTY FOOD VESALIUS
BE 0697.789.591
Leuven · Eq €76,353
DENIZ
BE 0464.088.778
Oudergem · Eq €76,351
SNACK IZMIR O.R
BE 1007.027.373
Saint-Ghislain · Eq €76,337
Of 21,888 companies in sector 56112 we hold annual accounts for 9,780. 8,090 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 formPrivate limited company
Founded18-05-2021
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.