CJ GEST
ActiveCJ GEST has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €99k and a net result of €169k. Equity is shrinking by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 29% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency53▲+1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 1.25 in 2024; short-term debt: 57.2% and cash: 64.4% of total assets), and 71.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
28.2%
Return on assets
48.2%
Age of the figures
9 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 16-02-2026, 165 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
165 d early
2024
91 d early
2023
133 d early
2022
165 d early
2021
32 d early
2020
30 d late
2019
99 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€99k=
2024 · €99k
2018: €146k
2019: €246k
2020: €308k
2021: €175k
2022: €169k
2023: €99k
2024: €99k
2018 → 2025
Total assets
€350k▼ 5.4%
2024 · €370k
2018: €305k
2019: €344k
2020: €406k
2021: €452k
2022: €454k
2023: €648k
2024: €370k
2018 → 2025
Net result
€169k▲ 4.4%
2024 · €162k
2018: €133k
2019: €100k
2020: €62k
2021: €91k
2022: €245k
2023: €180k
2024: €162k
2018 → 2025
Working capital
€53k▲ 6.9%
2024 · €49k
2018: €130k
2019: €227k
2020: €261k
2021: €139k
2022: €137k
2023: €166k
2024: €49k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€175k-€169k▼ 3.7%€99k▼ 41.5%€99k=€99k=
Operating result€120k-€326k▲ 171%€239k▼ 26.8%€210k▼ 11.9%€225k▲ 7.2%
Net result€91k-€245k▲ 170%€180k▼ 26.3%€162k▼ 10.4%€169k▲ 4.4%
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 7% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €350k
Fixed assets
€97k▼ 22.8%
Current assets
€253k▲ 3.6%
Equity and liabilities €350k
Equity
€99k=
Debt
€251k▼ 7.3%
The debt ratio falls from 73.3% to 71.8%. Debt is lower.
Key figures and ratios
EBITDA
€251k▲
2024 · €236k
Cash flow
€194k▲
2024 · €187k
Solvency
28.2%▲
2024 · 26.7%
Current ratio
1.26▲
2024 · 1.25
Quick ratio
1.26▲
2024 · 1.25
Debt / equity
2.55▼
2024 · 2.75
ROE
171.1%▲
2024 · 163.8%
ROA
48.2%▲
2024 · 43.7%
Interest coverage
70.15▲
2024 · 52.16
Debt
€251k▼
2024 · €271k
Debt ≤ 1 year
€200k▲
2024 · €195k
Debt > 1 year
€49k▼
2024 · €74k
Income taxes
€54k▲
2024 · €46k
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€370k€350k▼
Fixed assets21/28€125k€97k▼
Tangible fixed assets22/27€125k€97k▼
Land and buildings22€19k€19k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€98k€74k▼
Other tangible fixed assets26€3k€3k▲
Assets under construction and advance payments27€5k-
Current assets29/58€244k€253k▲
Amounts receivable within one year40/41€32k€24k▼
Trade receivables40€24k€24k=
Other amounts receivable41€8k-
Cash at bank and in hand54/58€209k€225k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€370k€350k▼
Equity10/15€99k€99k=
Contributions10/11€19k€19k=
Reserves13€80k€80k=
Distributable reserves133€80k€80k=
Amounts payable17/49€271k€251k▼
Amounts payable after more than one year17€74k€49k▼
Financial debts170/4€74k€49k▼
Amounts payable within one year42/48€195k€200k▲
Current portion of amounts payable after more than one year42€24k€25k▲
Trade debts44€6k€3k▼
Suppliers440/4€6k€3k▼
Taxes, remuneration and social security45€24k€35k▲
Taxes450/3€24k€35k▲
Other amounts payable47/48€140k€136k▼
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€26k▲
Other operating charges640/8€6k€2k▼
Gross operating margin9900€242k€253k▲
Operating profit (loss)9901€210k€225k▲
Financial income75/76B€1k€626▼
Recurring financial income75€1k€626▼
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€207k€222k▲
Income taxes67/77€46k€54k▲
Profit (loss) for the period9904€162k€169k▲
Profit (loss) for the period to be appropriated9905€162k€169k▲
Appropriation of the result
Profit (loss) to be appropriated9906€162k€169k▲
Profit to be distributed694/7€162k€169k▲
Return on contributions (dividend)694€162k€169k▲
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
16-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €245k ▲170%
Operating result €326k, net result €245k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €62k ▼38%
Net result drops to €62k, the lowest in the series; recovery starts the following year.
07-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 99 days late
2019
31-12
Financial
Equity above €200kEq €246k ▲68.8%
2 profitable years in a row build equity to €246k.
27-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
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, Saint-Nicolas · 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.
Chaussée Roosevelt 2744420 Saint-NicolasGround area
341 m²
Building footprint
78 m²
Parcel 62073B0033/00Y000, Wallonia. Linked by address, not a title deed.
1 establishment unit
CJ GEST
since 20182.272.836.296
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62073B0033/00Y000 | Wallonia | 341 m² | 1 · 78 m² | - |
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.
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HEDEYA
BE 1020.551.054
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MAGMA
BE 0500.518.119
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PIVOTA DOORS
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 40,591 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-2018
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.