CARREFOUR J
ActiveCARREFOUR J has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €272k and a net result of €13k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 35% of 518 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
76
/ 100
Excellent▼ -3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability24▼-3
Solvency64▲+16
Growth78=
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 2.13 against 1.46 in 2024), but 72.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 88
Relative position
BE, all sectors
reference
Sector 88
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
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
27.3%
Return on assets
1.3%
Age of the figures
9 mo
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
1 d early
2023
34 d early
2022
31 d early
2021
24 d early
2020
12 d early
2019
38 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€13k▼ 12.2%
2024 · €15k
2018: €9k
2019: €16k
2020: €14k
2021: €-860
2022: €9k
2023: €7k
2024: €15k
2018 → 2025
Working capital
€286k▲ 58.6%
2024 · €180k
2018: €185k
2019: €176k
2020: €90k
2021: €241k
2022: €222k
2023: €152k
2024: €180k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€220k-€227k▲ 3.1%€255k▲ 12.3%€268k▲ 5.2%€272k▲ 1.3%
Operating result€3k-€13k▲ 282%€11k▼ 19.7%€14k▲ 27.6%€13k▼ 6.6%
Net result€-860-€9k€7k▼ 18.2%€15k▲ 101%€13k▼ 12.2%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €996k
Fixed assets
€457k▼ 6.3%
Current assets
€540k▼ 6.0%
Equity and liabilities €996k
Equity
€272k▲ 1.3%
Debt
€725k▼ 8.7%
The debt ratio falls from 74.7% to 72.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€51k▼
2024 · €52k
Cash flow
€51k▼
2024 · €53k
Solvency
27.3%▲
2024 · 25.3%
Current ratio
2.13▲
2024 · 1.46
Quick ratio
2.13▲
2024 · 1.46
Debt / equity
2.67▼
2024 · 2.96
ROE
4.7%▼
2024 · 5.4%
ROA
1.3%▼
2024 · 1.4%
Interest coverage
14.57▲
2024 · 13.84
Debt
€725k▼
2024 · €794k
Debt ≤ 1 year
€254k▼
2024 · €394k
Debt > 1 year
€251k▼
2024 · €269k
Staff costs
€770k▲
2024 · €735k
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€1.06M€996k▼
Fixed assets21/28€487k€457k▼
Tangible fixed assets22/27€487k€457k▼
Land and buildings22€341k€327k▼
Plant, machinery and equipment23€111k€103k▼
Furniture and vehicles24€35k€26k▼
Assets under construction and advance payments27-€1k
Current assets29/58€574k€540k▼
Amounts receivable within one year40/41€86k€101k▲
Trade receivables40€4k€28k▲
Other amounts receivable41€82k€73k▼
Current investments50/53€150k-
Cash at bank and in hand54/58€329k€430k▲
Deferred charges and accrued income490/1€9k€8k▼
Equity and liabilities
Total equity and liabilities10/49€1.06M€996k▼
Equity10/15€268k€272k▲
Profit (loss) carried forward14€198k€211k▲
Investment grants15€70k€61k▼
Amounts payable17/49€794k€725k▼
Amounts payable after more than one year17€269k€251k▼
Financial debts170/4€269k€251k▼
Amounts payable within one year42/48€394k€254k▼
Current portion of amounts payable after more than one year42€18k€18k▲
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€107k€112k▲
Taxes450/3€23k€20k▼
Remuneration and social security454/9€85k€91k▲
Accrued charges and deferred income492/3€130k€220k▲
Income statement
Code20242025
Non-recurring operating income76A€2€1▼
Remuneration, social security and pensions62€735k€770k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€39k▲
Other operating charges640/8€2k€648▼
Non-recurring operating charges66A-€16
Gross operating margin9900€789k€822k▲
Operating profit (loss)9901€14k€13k▼
Financial income75/76B€5k€4k▼
Recurring financial income75€5k€4k▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€15k€13k▼
Profit (loss) for the period9904€15k€13k▼
Profit (loss) for the period to be appropriated9905€15k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€198k€211k▲
Profit (loss) brought forward from the previous period14P€183k€198k▲
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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-860 ▼106%
Net result drops to €-860, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €208k ▲16%
3 profitable years in a row build equity to €208k.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Highest result since 2018net €16k ▲82.5%
Net result €16k, the highest in the series.
31-12
Financial
Equity above €150kEq €180k ▲25.3%
2 profitable years in a row build equity to €180k.
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
05-07
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
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
11-06-2025
Roland Van Boxstael: Resigned as Director
06-01-2020
Marc Rézette: Resigned as Director
12-07-2019
AGOSTI Gilles: Resigned as Director
12-07-2019
Diane Poncelet: Resigned as Director
11-12-2017
Anne-Marie Baccus: Resigned as Permanent representative
Location & real-estate footprint
Registered office, Wavre · 2 establishment units since 2008
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.
Rue des Brasseries 101300 WavreGround area
368 m²
Building footprint
173 m²
Volume, LiDAR
895 m³
2 parcels, Wallonia · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
CARREFOUR J
since 20082.196.558.367
Antenne Chastre
since 20232.349.991.383
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25017B0086/00N007 | Wallonia | 222 m² | 1 · 88 m² | - |
| 25112M0764/00A000 | Wallonia | 146 m² | 1 · 84 m² | 12.4 m · 3 fl. |
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.
Public money · subsidies and aid
Wallonia-Brussels Federation
2021 to 2025 · 35 entries · 2,289,133 EUR in total| Year | Entries | paid |
|---|---|---|
| 2025 | 15 | 561,858 EUR |
| 2024 | 7 | 681,320 EUR |
| 2023 | 8 | 561,113 EUR |
| 2022 | 2 | 463,938 EUR |
| 2021 | 3 | 20,905 EUR |
Budget allocations
Subventions aux services d'actions en milieu ouvert
Subventions aux services d’actions en milieu ouvert
Subventions visant à soutenir la mise en oeuvre d'actions portées par les services d'action en milieu ouvert (AMO)
Subventions aux actions de prévention spécialisée
Sub. - PV : EDD
Show 3 more
Fonds budgétaire destiné à subventionner des actions et des mesures d'aide à la jeunesse et de protection de la jeunesse
Subventions aux projets en voie d'agrément
Soutien aux secteurs de l'aide à la jeunesse
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Of 258 companies in sector 88992 we hold annual accounts for 136. 100 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded01-03-1993
Fiscal year end31-12
Activities, NACEBEL
85323
88992Social work activities without accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:direction@carrefourj.be
Phone:0476/405.405