Summary
CFJ has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €981,497 and a net result of €193,770. Equity is growing by ~14.9% per year across the filed fiscal years. Its solvency ranks better than 75% of 8103 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 08-07-2025, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
23 d early
2023
20 d early
2022
34 d early
2021
31 d early
2020
22 d early
2019
54 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 13 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, abbreviated schema
Equity
€981,497▲ 20.6%
2023 · €813,940
Total assets
€1.2m▲ 3.2%
2023 · €1.2m
Net result
€193,770▲ 16.6%
2023 · €166,134
Working capital
€13,530
2023 · -€107,136
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€54,807▼ 8.7%€115,267▲ 110%€114,601▼ 0.6%€106,419▼ 7.1%€91,590▼ 13.9%
Net result€17,890▼ 78.7%€70,809▲ 296%€70,436▼ 0.5%€166,134▲ 136%€193,770▲ 16.6%
Equity€506,561▲ 3.7%€577,370▲ 14.0%€647,806▲ 12.2%€813,940▲ 25.6%€981,497▲ 20.6%
Total assets€1.1m▲ 61.2%€1.1m▲ 0.5%€1.1m▲ 1.4%€1.2m▲ 8.1%€1.2m▲ 3.2%
Debt€579,035▲ 214%€513,241▼ 11.4%€457,549▼ 10.9%€381,174▼ 16.7%€251,593▼ 34.0%
Working capital-€102,820▼ 81.1%-€98,823▲ 3.9%-€89,304▲ 9.6%-€107,136▼ 20.0%€13,530
Staff (FTE)00
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 three years in a row; 2024 is 14% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.2m
Fixed assets
€1.1m ▼ 6.5%
Current assets
€164,226 ▲ 213%
Equity and liabilities €1.2m
Equity
€981,497 ▲ 20.6%
Debt
€251,593 ▼ 34.0%
Debt's share of the balance-sheet total falls from 31.9% to 20.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
19.7%▼
2023 · 20.4%
ROA
15.7%▲
2023 · 13.9%
Debt ≤ 1 year
€150,696▼
2023 · €159,611
Debt > 1 year
€100,896▼
2023 · €221,478
Income taxes
€42,643▼
2023 · €43,441
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | €7,864 | €56 | ▼ 99.3% |
| Other operating charges640/8 | - | €2,679 | €4,405 | €4,900 | €8,211 | ▲ 67.6% |
| Non-recurring operating charges66A | - | - | - | €1,525 | €0 | ▼ 100% |
| Gross operating margin9900 | €62,348 | €117,946 | €119,007 | €120,708 | €99,856 | ▼ 17.3% |
| Operating profit (loss)9901 | €54,807 | €115,267 | €114,601 | €106,419 | €91,590 | ▼ 13.9% |
| Financial income75/76B | - | - | €5 | €110,274 | €152,000 | ▲ 37.8% |
| Recurring financial income75 | €1 | - | €5 | €110,274 | €152,000 | ▲ 37.8% |
| Financial charges65/66B | - | €10,483 | €9,253 | €7,118 | €7,177 | ▲ 0.8% |
| Recurring financial charges65 | €25,420 | €10,483 | €9,253 | €7,118 | €7,177 | ▲ 0.8% |
| Profit (loss) for the period before taxes9903 | €29,389 | €104,784 | €105,353 | €209,575 | €236,413 | ▲ 12.8% |
| Income taxes67/77 | €11,499 | €33,976 | €34,917 | €43,441 | €42,643 | ▼ 1.8% |
| Profit (loss) for the period9904 | €17,890 | €70,809 | €70,436 | €166,134 | €193,770 | ▲ 16.6% |
| Profit (loss) for the period to be appropriated9905 | €17,890 | €70,809 | €70,436 | €166,134 | €193,770 | ▲ 16.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.1m | €1.1m | €1.1m | €1.2m | €1.2m | ▲ 3.2% |
| Fixed assets21/28 | €1.1m | €1.1m | €1.1m | €1.1m | €1.1m | ▼ 6.5% |
| Tangible fixed assets22/27 | - | - | - | €76,719 | €2,943 | ▼ 96.2% |
| Furniture and vehicles24 | - | - | - | - | €2,943 | - |
| Leasing and similar rights25 | - | - | - | €76,719 | €0 | ▼ 100% |
| Financial fixed assets28 | €1.1m | €1.1m | €1.1m | €1.1m | €1.1m | = |
| Current assets29/58 | €19,676 | €24,691 | €39,435 | €52,475 | €164,226 | ▲ 213% |
| Amounts receivable within one year40/41 | €8,501 | €12,131 | €29,040 | €44,199 | €138,445 | ▲ 213% |
| Trade receivables40 | - | €3,630 | €29,040 | €0 | - | - |
| Other amounts receivable41 | - | €8,501 | - | €44,199 | €138,445 | ▲ 213% |
| Cash at bank and in hand54/58 | €8,212 | €9,836 | €7,362 | €6,634 | €24,731 | ▲ 273% |
| Deferred charges and accrued income490/1 | - | €2,724 | €3,033 | €1,642 | €1,050 | ▼ 36.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.1m | €1.1m | €1.1m | €1.2m | €1.2m | ▲ 3.2% |
| Equity10/15 | €506,561 | €577,370 | €647,806 | €813,940 | €981,497 | ▲ 20.6% |
| Contributions10/11 | - | €28,949 | €28,949 | €28,949 | €28,949 | = |
| Reserves13 | €46,998 | €117,806 | €188,243 | €354,377 | €952,549 | ▲ 169% |
| Non-distributable reserves130/1 | - | €2,895 | €2,895 | €0 | - | - |
| Reserves not available under the articles1311 | - | €2,895 | €2,895 | €0 | - | - |
| Distributable reserves133 | - | €114,912 | €185,348 | €354,377 | €952,549 | ▲ 169% |
| Profit (loss) carried forward14 | €430,615 | €430,615 | €430,615 | €430,615 | €0 | ▼ 100% |
| Amounts payable17/49 | €579,035 | €513,241 | €457,549 | €381,174 | €251,593 | ▼ 34.0% |
| Amounts payable after more than one year17 | €452,499 | €385,678 | €324,760 | €221,478 | €100,896 | ▼ 54.4% |
| Financial debts170/4 | - | €385,678 | €324,760 | €221,478 | €100,896 | ▼ 54.4% |
| Amounts payable within one year42/48 | €122,496 | €123,514 | €128,739 | €159,611 | €150,696 | ▼ 5.6% |
| Current portion of amounts payable after more than one year42 | - | €66,821 | €60,918 | €78,781 | €62,607 | ▼ 20.5% |
| Financial debts43 | - | €3,344 | - | €3,396 | €0 | ▼ 100% |
| Credit institutions430/8 | - | €3,344 | - | €3,396 | €0 | ▼ 100% |
| Trade debts44 | €6,677 | €4,020 | €2,187 | €497 | €550 | ▲ 10.6% |
| Suppliers440/4 | - | €4,020 | €2,187 | €497 | €550 | ▲ 10.6% |
| Taxes, remuneration and social security45 | - | €13,970 | €26,933 | €38,866 | €31,793 | ▼ 18.2% |
| Taxes450/3 | - | €13,970 | €26,933 | €37,366 | €31,793 | ▼ 14.9% |
| Remuneration and social security454/9 | - | - | - | €1,500 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | €35,359 | €38,701 | €38,070 | €55,746 | ▲ 46.4% |
| Accrued charges and deferred income492/3 | - | €4,050 | €4,050 | €85 | €0 | ▼ 100% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17,890 | €70,809 | €70,436 | €166,134 | €193,770 | ▲ 16.6% |
| + Depreciation and write-downs630 | - | - | - | €7,864 | €56 | ▼ 99.3% |
| Operating cash flow (approximation) | €17,890 | €70,809 | €70,436 | €173,998 | €193,826 | ▲ 11.4% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€84,583 | €73,720 | ▲ 187% |
| Change in cash | - | €1,624 | -€2,474 | -€727 | €18,096 | ▲ 2,589% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €193,770 ▲16.6%
Net result €193,770, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 1.09
Current ratio from 0.33 to 1.09; short-term debt falls from €159,611 to €150,696.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €17,890 ▼78.7%
Net result drops to €17,890, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €500,000Eq €506,561 ▲3.7%
3 profitable years in a row build equity to €506,561.
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 54 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Kontich · 1 establishment unit since 2015
Ground area
1,377 m²
Building footprint
212 m²
Volume, LiDAR
1,432 m³
Parcel 11602C0027/00V014, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
CFJ
since 20152.244.957.211
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11602C0027/00V014 | Flanders | 1,377 m² | 1 · 211 m² | 10.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,583. 28,052 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-07-2015
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
Scores and ratios are computed by Checked and are not a credit decision.