CJA HOLDING
ActiveCJA HOLDING 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 €844k and a net result of €436k. Equity is growing by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 57% of 3161 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 24-04-2026, 6 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
6 d early
2024
26 d early
2023
60 d early
2022
30 d early
2021
3 d early
2020
31 d early
2019
15 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€844k▲ 38.9%
2024 · €608k
2018: €408k
2019: €525k
2020: €558k
2021: €560k
2022: €547k
2023: €516k
2024: €608k
2018 → 2025
Net result
€436k▲ 11.2%
2024 · €392k
2018: €19k
2019: €117k
2020: €283k
2021: €442k
2022: €407k
2023: €568k
2024: €392k
2018 → 2025
Total assets
€1.39M▲ 4.3%
2024 · €1.33M
2018: €1.01M
2019: €1.06M
2020: €1.14M
2021: €1.04M
2022: €991k
2023: €1.26M
2024: €1.33M
2018 → 2025
Solvency
60.9%▲ 15.2pp
2024 · 45.7%
2018: 40.2%
2019: 49.6%
2020: 49.1%
2021: 53.9%
2022: 55.2%
2023: 40.8%
2024: 45.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€560k-€547k▼ 2.3%€516k▼ 5.8%€608k▲ 17.9%€844k▲ 38.9%
Operating result€56k-€48k▼ 14.4%€49k▲ 1.5%€76k▲ 54.1%€47k▼ 37.7%
Net result€442k-€407k▼ 7.9%€568k▲ 39.7%€392k▼ 31.0%€436k▲ 11.2%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 38% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.39M
Fixed assets
€1.16M▲ 9.5%
Current assets
€225k▼ 16.1%
Equity and liabilities €1.39M
Equity
€844k▲ 38.9%
Debt
€543k▼ 24.8%
The debt ratio falls from 54.3% to 39.1%: equity grows while debt is paid down.
Key figures and ratios
Solvency
60.9%▲
2024 · 45.7%
ROE
51.7%▼
2024 · 64.5%
ROA
31.4%▲
2024 · 29.5%
Debt
€543k▼
2024 · €723k
Debt ≤ 1 year
€543k▼
2024 · €723k
Income taxes
€38k▲
2024 · €36k
Staff costs
€28k▲
2024 · €27k
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€1.33M€1.39M▲
Fixed assets21/28€1.06M€1.16M▲
Tangible fixed assets22/27€150k€251k▲
Furniture and vehicles24€6k€3k▼
Assets under construction and advance payments27€144k€247k▲
Financial fixed assets28€911k€911k=
Current assets29/58€269k€225k▼
Amounts receivable within one year40/41€163k€152k▼
Trade receivables40€11k€42k▲
Other amounts receivable41€152k€110k▼
Cash at bank and in hand54/58€102k€67k▼
Deferred charges and accrued income490/1€3k€6k▲
Equity and liabilities
Total equity and liabilities10/49€1.33M€1.39M▲
Equity10/15€608k€844k▲
Contributions10/11€14k€14k=
Outside capital11€14k€14k=
Other1109/19€14k€14k=
Reserves13€590k€817k▲
Distributable reserves133€590k€817k▲
Profit (loss) carried forward14€4k€14k▲
Amounts payable17/49€723k€543k▼
Amounts payable within one year42/48€723k€543k▼
Current portion of amounts payable after more than one year42€91k€90k▼
Financial debts43€3k-
Credit institutions430/8€3k-
Trade debts44€5k€25k▲
Suppliers440/4€5k€25k▲
Taxes, remuneration and social security45€33k€42k▲
Taxes450/3€29k€38k▲
Remuneration and social security454/9€4k€5k▲
Other amounts payable47/48€590k€386k▼
Income statement
Code20242025
Remuneration, social security and pensions62€27k€28k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€960€968▲
Gross operating margin9900€108k€81k▼
Operating profit (loss)9901€76k€47k▼
Financial income75/76B€358k€431k▲
Recurring financial income75€358k€431k▲
Financial charges65/66B€5k€3k▼
Recurring financial charges65€5k€3k▼
Profit (loss) for the period before taxes9903€428k€474k▲
Income taxes67/77€36k€38k▲
Profit (loss) for the period9904€392k€436k▲
Profit (loss) for the period to be appropriated9905€392k€436k▲
Appropriation of the result
Profit (loss) to be appropriated9906€439k€441k▲
Profit (loss) brought forward from the previous period14P€47k€4k▼
Transfer to equity691/2€135k€227k▲
To other reserves6921€135k€227k▲
Profit to be distributed694/7€300k€200k▼
Return on contributions (dividend)694€300k€200k▼
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
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
04-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
01-03
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-09
Financial
Highest result since 2018net €568k ▲39.7%
Net result €568k, the highest in the series.
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
15-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Equity above €500kEq €525k ▲28.7%
2 profitable years in a row build equity to €525k.
24-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-04
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
2 directors, no change since 2023
LOUVIGNY Bruno
CurrentDirector · since 18-12-2023
18-12-2023
LOUVIGNY Bruno: Appointed as Director
18-12-2023
LOUVIGNY Bruno Roger Maurice: Resigned as Manager
Location & real-estate footprint
Registered office, Ukkel · 1 establishment unit since 2010
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.
Maretaklaan 101180 UkkelGround area
730 m²
Building footprint
208 m²
Volume, LiDAR
1,350 m³
Parcel 21614H0056/02Y084, Brussels · tallest building 15.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Maretaklaan 10, 1180 Ukkel
since 20102.225.333.814
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614H0056/02Y084 | Brussels | 730 m² | 1 · 208 m² | 15.4 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.
Recognitions · licences · registrations
Legal Entity Identifier
6488C13ZAE89Y903EE65
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,689. 13,021 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2011
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.