CJOASSIN
ActiveSummary
CJOASSIN has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €91k and a net result of €707. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 30% of 1115 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability69▲+66
Solvency50▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.01 against 0.02 in 2023; short-term debt: 34.6% and cash: 0.2% of total assets), and 74.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
25.3%
Return on assets
0.2%
Age of the figures
21 mo
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 27-06-2025, 34 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
34 d early
2023
37 d early
2022
41 d early
2021
30 d early
2020
26 d early
2019
21 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€707
2023 · €-49k
Working capital
€-123k▲ 5.1%
2023 · €-129k
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€75k▲ 185%€13k▼ 83.0%€19k▲ 49.6%€-43k€4k
Net result€38k▲ 95.5%€11k▼ 71.0%€17k▲ 57.4%€-49k€707
Equity€111k▲ 51.4%€121k▲ 9.8%€139k▲ 14.1%€90k▼ 35.2%€91k▲ 0.8%
Total assets€446k▲ 71.0%€373k▼ 16.5%€362k▼ 2.8%€380k▲ 4.8%€358k▼ 5.7%
Debt€307k▲ 63.1%€224k▼ 26.9%€199k▼ 11.2%€268k▲ 34.6%€248k▼ 7.4%
Working capital€-9k▲ 84.4%€-33k▼ 252%€-36k▼ 7.8%€-129k▼ 261%€-123k▲ 5.1%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €4k after a loss of €43k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €358k
Fixed assets
€356k ▼ 5.5%
Current assets
€1k ▼ 46.7%
Equity and liabilities €358k
Equity
€91k ▲ 0.8%
Provisions
€19k ▼ 12.2%
Debt
€248k ▼ 7.4%
Debt's share of the balance-sheet total falls from 70.6% to 69.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€38k▲
2023 · €-12k
Cash flow
€35k▲
2023 · €-18k
Current ratio
0.01▼
2023 · 0.02
Debt to equity
2.74▼
2023 · 2.98
ROE
0.8%▲
2023 · -54.3%
ROA
0.2%▲
2023 · -12.9%
Interest coverage
7.98▲
2023 · -1.56
Debt ≤ 1 year
€124k▼
2023 · €132k
Debt > 1 year
€124k▼
2023 · €136k
Income taxes
€231▼
2023 · €263
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €11k | €4k | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €49k | €30k | €26k | €31k | €34k | ▲ 10.0% |
| Other operating charges640/8 | - | €4k | €5k | €6k | €2k | ▼ 57.1% |
| Gross operating margin9900 | €127k | €46k | €50k | €-6k | €40k | ▲ 727% |
| Operating profit (loss)9901 | €75k | €13k | €19k | €-43k | €4k | ▲ 108% |
| Financial income75/76B | - | €36 | €60 | €0 | €73 | ▲ 36,425% |
| Recurring financial income75 | €95 | €36 | €60 | €0 | €73 | ▲ 36,425% |
| Financial charges65/66B | - | €4k | €4k | €8k | €5k | ▼ 32.5% |
| Recurring financial charges65 | €7k | €4k | €4k | €8k | €5k | ▼ 38.5% |
| Non-recurring financial charges66B | - | €227 | €130 | €165 | €571 | ▲ 246% |
| Profit (loss) for the period before taxes9903 | €68k | €9k | €15k | €-51k | €-2k | ▲ 96.6% |
| Transfer from deferred taxes780 | - | €2k | €3k | €3k | €3k | ▼ 0.7% |
| Income taxes67/77 | €1k | €342 | €291 | €263 | €231 | ▼ 12.2% |
| Profit (loss) for the period9904 | €38k | €11k | €17k | €-49k | €707 | ▲ 101% |
| Transfer from tax-exempt reserves789 | - | €6k | €7k | €7k | €7k | ▼ 0.5% |
| Profit (loss) for the period to be appropriated9905 | €-81k | €17k | €24k | €-42k | €8k | ▲ 119% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €446k | €373k | €362k | €380k | €358k | ▼ 5.7% |
| Fixed assets21/28 | €329k | €342k | €347k | €377k | €356k | ▼ 5.5% |
| Tangible fixed assets22/27 | €327k | €340k | €345k | €375k | €356k | ▼ 5.0% |
| Land and buildings22 | - | €188k | €183k | €177k | €171k | ▼ 3.2% |
| Plant, machinery and equipment23 | - | €138k | €149k | €161k | €151k | ▼ 5.8% |
| Furniture and vehicles24 | - | €13k | €13k | €22k | €16k | ▼ 26.5% |
| Other tangible fixed assets26 | - | €1k | €735 | €16k | €18k | ▲ 11.9% |
| Financial fixed assets28 | €2k | €2k | €2k | €2k | - | - |
| Current assets29/58 | €117k | €30k | €15k | €3k | €1k | ▼ 46.7% |
| Stocks and contracts in progress3 | €23k | €15k | - | - | - | - |
| Stocks30/36 | - | €15k | - | - | - | - |
| Amounts receivable within one year40/41 | €8k | €8k | €7k | €819 | €632 | ▼ 22.9% |
| Trade receivables40 | - | €8k | €7k | - | - | - |
| Other amounts receivable41 | - | - | - | €819 | €632 | ▼ 22.9% |
| Cash at bank and in hand54/58 | €85k | €7k | €6k | €510 | €576 | ▲ 12.9% |
| Deferred charges and accrued income490/1 | - | €102 | €2k | €1k | €168 | ▼ 86.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €446k | €373k | €362k | €380k | €358k | ▼ 5.7% |
| Equity10/15 | €111k | €121k | €139k | €90k | €91k | ▲ 0.8% |
| Contributions10/11 | - | €100k | €100k | €100k | €100k | = |
| Outside capital11 | - | - | - | €100k | €100k | = |
| Other1109/19 | - | - | - | €100k | €100k | = |
| Reserves13 | €119k | €113k | €106k | €98k | €91k | ▼ 7.2% |
| Tax-exempt reserves132 | - | €113k | €106k | €98k | €91k | ▼ 7.2% |
| Profit (loss) carried forward14 | €-108k | €-91k | €-67k | €-109k | €-101k | ▲ 7.2% |
| Provisions and deferred taxes16 | €29k | €27k | €25k | €22k | €19k | ▼ 12.2% |
| Deferred taxes168 | - | €27k | €25k | €22k | €19k | ▼ 12.2% |
| Amounts payable17/49 | €307k | €224k | €199k | €268k | €248k | ▼ 7.4% |
| Amounts payable after more than one year17 | €180k | €160k | €148k | €136k | €124k | ▼ 8.8% |
| Financial debts170/4 | - | €160k | €148k | €136k | €124k | ▼ 8.8% |
| Amounts payable within one year42/48 | €127k | €64k | €51k | €132k | €124k | ▼ 6.0% |
| Current portion of amounts payable after more than one year42 | - | €19k | €12k | €12k | €12k | ▲ 0.9% |
| Trade debts44 | €16k | €8k | €3k | €4k | €7k | ▲ 74.0% |
| Suppliers440/4 | - | €8k | €3k | €4k | €7k | ▲ 74.0% |
| Taxes, remuneration and social security45 | - | €11k | €9k | €299 | €6k | ▲ 1,778% |
| Taxes450/3 | - | €11k | €9k | €299 | €6k | ▲ 1,778% |
| Other amounts payable47/48 | - | €25k | €27k | €116k | €99k | ▼ 14.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €38k | €11k | €17k | €-49k | €707 | ▲ 101% |
| + Depreciation and write-downs630 | €49k | €30k | €26k | €31k | €34k | ▲ 10.0% |
| Operating cash flow (approximation) | €87k | €41k | €44k | €-18k | €35k | ▲ 300% |
| Investment in fixed assets (approximation) | - | €-43k | €-31k | €-61k | €-14k | ▲ 77.5% |
| Change in cash | - | €-78k | €-1k | €-6k | €66 | ▲ 101% |
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
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €707
Net result €707 after one loss-making year.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €-49k
Net result drops to €-49k, the lowest in the series; recovery starts the following year.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €100kEq €111k ▲51.4%
3 profitable years in a row build equity to €111k.
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
13-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
2016
17-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Namur · 1 establishment unit since 2011
Ground area
1,315 m²
Building footprint
180 m²
Volume, LiDAR
1,773 m³
Parcel 92302F0004/00Z010, Wallonia · tallest building 15.3 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
CJOASSIN
since 20112.202.733.210
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92302F0004/00Z010 | Wallonia | 1,315 m² | 1 · 180 m² | 15.3 m · 3 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.
Similar companies · same sector, comparable size
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ROOS MERTENS INTERIEUR
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LABRIZ
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Velor Architecten
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Of 3,923 companies in sector 71112 we hold annual accounts for 1,294. 1,064 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
Founded16-09-2011
Fiscal year end31-12
Abbreviation FR
CJ SPRL
Activities, NACEBEL 2025
71112Activities of interior architects
68310Real estate agency activities
74130Interior design
74140Other specialised design activities
Contact
E-mail
christophe.joassin@aatj.beNamur
Phone
0478/511963Namur
Scores and ratios are computed by Checked and are not a credit decision.