CJWOLFBAT
ActiveThe computed 12-month bankruptcy probability of CJWOLFBAT is 1.8% (moderate). The 2024 annual accounts show equity of €103k and a net result of €25k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 41% of 36373 sector peers (fiscal year 2024). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability80▲+8
Solvency64▼-21
Growth52=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.55 against 2.31 in 2023; short-term debt: 61.4% and cash: 9.4% of total assets), but 61.4% 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 43
Relative position
BE, all sectors
reference
Sector 43
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 2024Solvency, return and age of the figures
Solvency
38.6%
Return on assets
9.3%
Age of the figures
21 mo
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €103k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-10-2025, 69 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
69 d late
2023
78 d late
2022
68 d late
2021
78 d late
2020
87 d late
2019
108 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€103k▲ 31.6%
2023 · €79k
2018: €78k
2019: €75k
2020: €78k
2021: €99k
2022: €75k
2023: €79k
2018 → 2024
Total assets
€268k▲ 106%
2023 · €130k
2018: €213k
2019: €142k
2020: €181k
2021: €325k
2022: €148k
2023: €130k
2018 → 2024
Net result
€25k▲ 606%
2023 · €4k
2018: €29k
2019: €7k
2020: €3k
2021: €21k
2022: €-24k
2023: €4k
2018 → 2024
Working capital
€91k▲ 34.5%
2023 · €68k
2018: €66k
2019: €57k
2020: €61k
2021: €87k
2022: €62k
2023: €68k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€78k-€99k▲ 27.0%€75k▼ 24.6%€79k▲ 4.7%€103k▲ 31.6%
Operating result€10k-€34k▲ 248%€-22k€5k€33k▲ 523%
Net result€3k-€21k▲ 525%€-24k€4k€25k▲ 606%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 523% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €268k
Fixed assets
€13k▲ 15.7%
Current assets
€256k▲ 114%
Equity and liabilities €268k
Equity
€103k▲ 31.6%
Debt
€165k▲ 218%
The debt ratio rises from 39.7% to 61.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€36k▲
2023 · €16k
Cash flow
€27k▲
2023 · €14k
Solvency
38.6%▼
2023 · 60.3%
Current ratio
1.55▼
2023 · 2.31
Quick ratio
1.55▼
2023 · 2.31
Debt / equity
1.59▲
2023 · 0.66
ROE
24.0%▲
2023 · 4.5%
ROA
9.3%▲
2023 · 2.7%
Interest coverage
17.06▲
2023 · 10.34
Debt
€165k▲
2023 · €52k
Debt ≤ 1 year
€164k▲
2023 · €52k
Income taxes
€7k▲
2023 · €384
Staff costs
€249k▲
2023 · €229k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€130k€268k▲
Fixed assets21/28€11k€13k▲
Tangible fixed assets22/27€7k€9k▲
Plant, machinery and equipment23€664€373▼
Furniture and vehicles24€3k€5k▲
Leasing and similar rights25€4k€4k=
Financial fixed assets28€4k€4k=
Current assets29/58€119k€256k▲
Amounts receivable within one year40/41€114k€228k▲
Trade receivables40€77k€205k▲
Other amounts receivable41€37k€23k▼
Cash at bank and in hand54/58€2k€25k▲
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€130k€268k▲
Equity10/15€79k€103k▲
Contributions10/11€6k€6k=
Reserves13€8k€8k=
Tax-exempt reserves132€6k€6k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€65k€90k▲
Amounts payable17/49€52k€165k▲
Amounts payable within one year42/48€52k€164k▲
Trade debts44€46k€147k▲
Suppliers440/4€46k€147k▲
Taxes, remuneration and social security45€2k€13k▲
Taxes450/3€372€11k▲
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€4k€4k▼
Accrued charges and deferred income492/3-€264
Income statement
Code20232024
Remuneration, social security and pensions62€229k€249k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€3k▼
Other operating charges640/8€3k€5k▲
Gross operating margin9900€247k€290k▲
Operating profit (loss)9901€5k€33k▲
Financial income75/76B€39€90▲
Recurring financial income75€39€90▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€4k€31k▲
Income taxes67/77€384€7k▲
Profit (loss) for the period9904€4k€25k▲
Profit (loss) for the period to be appropriated9905€4k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€65k€90k▲
Profit (loss) brought forward from the previous period14P€61k€65k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
08-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 69 days late
2024
31-12
Financial
Equity above €100kEq €103k ▲31.6%
2 profitable years in a row build equity to €103k.
17-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 78 days late
2023
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
07-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 68 days late
2022
31-12
Financial
Weakest financial yearnet €-24k ▼215%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 87 days late
2020
16-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 108 days late
2019
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 57 days late
2018
01-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 62 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
2016
14-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 45 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Ukkel · 1 establishment unit since 2011
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.
Generaal Lotzstraat 1081180 UkkelGround area
1,619 m²
Building footprint
850 m²
Volume, LiDAR
21,263 m³
Parcel 21612C0003/00W019, Brussels · tallest building 28.9 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
Generaal Lotzstraat 108, 1180 Ukkel
since 20112.195.998.935
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612C0003/00W019 | Brussels | 1,619 m² | 1 · 850 m² | 28.9 m · 9 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
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AcoustX
BE 0802.541.970
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PROSAFE CONSTRUCT
BE 0688.941.807
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EV-ISOLATIE
BE 0842.452.918
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AMAZONIA ASSOCIES
BE 0827.960.524
Anderlecht · Eq €104k
Of 4,270 companies in sector 43230 we hold annual accounts for 1,240. 1,050 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-01-2011
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43230Insulation installation
43291Specialised construction activities
43120Site preparation
43331Floor and wall tiling
43910Bricklaying and masonry work
43994Specialised construction activities
81210General cleaning of buildings
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.