CJP & Co
ActiveCJP & Co has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61k and a net result of €-13k. Equity is shrinking by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 33% of 7332 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▼-51
Solvency52▼-5
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.61 against 1.67 in 2024; short-term debt: 54.5% and cash: 17.7% of total assets), but 72.6% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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 2025Solvency, return and age of the figures
Solvency
27.4%
Return on assets
-5.7%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-13k
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 17-03-2026, 136 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
136 d early
2024
34 d early
2023
86 d early
2022
4 d late
2021
26 d late
2020
4 d early
2019
17 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€61k▼ 17.2%
2024 · €73k
2018: €123k
2019: €125k
2020: €126k
2021: €137k
2022: €134k
2023: €74k
2024: €73k
2018 → 2025
Total assets
€221k▼ 2.0%
2024 · €226k
2018: €223k
2019: €226k
2020: €229k
2021: €246k
2022: €234k
2023: €232k
2024: €226k
2018 → 2025
Net result
€-13k▼ 1,306%
2024 · €-893
2018: €4k
2019: €4k
2020: €3k
2021: €11k
2022: €-3k
2023: €-2k
2024: €-893
2018 → 2025
Working capital
€73k▼ 3.0%
2024 · €76k
2018: €125k
2019: €124k
2020: €124k
2021: €94k
2022: €107k
2023: €66k
2024: €76k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€137k-€134k▼ 2.0%€74k▼ 44.9%€73k▼ 1.2%€61k▼ 17.2%
Operating result€18k-€528▼ 97.1%€2k▲ 306%€-1k€-5k▼ 358%
Net result€11k-€-3k€-2k▲ 30.6%€-893▲ 52.2%€-13k▼ 1,306%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €1k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €221k
Fixed assets
€27k▼ 27.4%
Current assets
€194k▲ 3.1%
Equity and liabilities €221k
Equity
€61k▼ 17.2%
Debt
€161k▲ 5.3%
The debt ratio rises from 67.6% to 72.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€5k▼
2024 · €13k
Cash flow
€-2k▼
2024 · €13k
Solvency
27.4%▼
2024 · 32.4%
Current ratio
1.61▼
2024 · 1.67
Quick ratio
1.61▼
2024 · 1.67
Debt / equity
2.65▲
2024 · 2.08
ROE
-20.7%▼
2024 · -1.2%
ROA
-5.7%▼
2024 · -0.4%
Interest coverage
0.61▼
2024 · 1144.28
Debt
€161k▲
2024 · €153k
Debt ≤ 1 year
€121k▲
2024 · €113k
Debt > 1 year
€40k=
2024 · €40k
Income taxes
€138▼
2024 · €593
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€226k€221k▼
Fixed assets21/28€38k€27k▼
Tangible fixed assets22/27€37k€27k▼
Land and buildings22€14k€13k▼
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24€17k€9k▼
Financial fixed assets28€135€135=
Current assets29/58€188k€194k▲
Amounts receivable within one year40/41€4k€4k▼
Trade receivables40€3k-
Other amounts receivable41€163€4k▲
Current investments50/53€148k€149k▲
Cash at bank and in hand54/58€34k€39k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€226k€221k▼
Equity10/15€73k€61k▼
Contributions10/11€19k€19k=
Reserves13€55k€45k▼
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€51k€42k▼
Profit (loss) carried forward14-€-3k
Amounts payable17/49€153k€161k▲
Amounts payable after more than one year17€40k€40k=
Financial debts170/4€40k€40k=
Amounts payable within one year42/48€113k€121k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€619€3k▲
Taxes450/3€619€3k▲
Other amounts payable47/48€111k€116k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€10k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€15k€9k▼
Operating profit (loss)9901€-1k€-5k▼
Financial income75/76B€795€1k▲
Recurring financial income75€795€1k▲
Financial charges65/66B€12€9k▲
Recurring financial charges65€12€9k▲
Profit (loss) for the period before taxes9903€-300€-12k▼
Income taxes67/77€593€138▼
Profit (loss) for the period9904€-893€-13k▼
Profit (loss) for the period to be appropriated9905€-893€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-893€-13k▼
Transfer from equity791/2€893€9k▲
The notes to these accounts (8 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
17-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
06-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Highest result since 2018net €11k ▲299%
Operating result €18k, net result €11k, both a record.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Zele · 1 establishment unit since 2003
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.
Nachtegaalstraat 119240 ZeleGround area
818 m²
Building footprint
205 m²
Volume, LiDAR
1,009 m³
Parcel 42028B0706/00F000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Nachtegaalstraat 11, 9240 Zele
since 20032.131.790.378
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42028B0706/00F000 | Flanders | 818 m² | 1 · 205 m² | 8.1 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.
Similar companies · same sector, comparable size
IM BUILDING
BE 0769.762.009
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WG BOUW
BE 0745.618.313
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G&Y
BE 0641.843.654
Dinant · Eq €61k
LEON & G
BE 0776.476.981
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ELM CONCEPTION
BE 0795.467.306
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 13,172 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-05-2003
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
43331Floor and wall tiling
43990Other specialised construction activities
43999Specialised construction activities
45250
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.