CK&J
CK&J 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 €3.73M and a net result of €882k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 59% of 490 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €3.73M |
| Net result | €882k |
| Staff (FTE) | 1.3 |
| Better than sector | 59% |
Strong profile, led by profitability.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 52.1% | 43.0% | |
| Net result | €882k | €71k | |
| Equity | €3.73M | €481k | |
| Gross operating margin | €955k | €87k | |
| Staff costs | €59k | €72k |
| Fiscal year | 2025 |
|---|---|
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €882k |
| Cash flow | n/a |
| Staff costs | €59k |
| Income taxes | €169k |
| Dividends | - |
| Total assets | €7.16M |
| Equity | €3.73M |
| Debt | €3.43M |
| of which ≤ 1y | €515k |
| of which > 1y | €2.92M |
| Working capital | n/a |
| Employees (FTE) | 1.3 |
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 52.1% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 12.3% |
| ROE | 23.6% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €7.16M |
| Fixed assets | 21/28 | €6.45M |
| Intangible fixed assets | 21 | €4k |
| Tangible fixed assets | 22/27 | €6.09M |
| Financial fixed assets | 28 | €354k |
| Current assets | 29/58 | €717k |
| Amounts receivable within one year | 40/41 | €213k |
| Investments | 50/53 | €300k |
| Cash & bank | 54/58 | €98k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €7.16M |
| Equity | 10/15 | €3.73M |
| Contributions / capital | 10/11 | €273k |
| Reserves | 13 | €3.03M |
| Amounts payable | 17/49 | €3.43M |
| Amounts payable after one year | 17 | €2.92M |
| Amounts payable within one year | 42/48 | €515k |
| Trade debts payable within one year | 44 | €21k |
| Income statement | ||
| Gross operating margin | 9900 | €955k |
| Operating result | 9901 | €725k |
| Financial income | 75 | €154k |
| Financial charges | 65 | €111k |
| Result before taxes | 9903 | €1.05M |
| Income taxes | 67/77 | €169k |
| Net result for the period | 9904 | €882k |
| Result to be appropriated | 9905 | €882k |
-
Current31-08-2023 → present
2 events
- 30-09-2025 Appointed· Managing director
- 31-08-2023 Mandate renewed· Director
-
Current31-08-2023 → present
Former directors (1)
-
Former31-08-2023 → 30-09-2025
2 events
- 30-09-2025 Resigned· Director
- 31-08-2023 Mandate renewed· Director
| NACE primary | Financial services(64210) |
| Legal form | Private limited company(610) |
| Incorporation | 05-10-2016 |
| Status | Active |
| Postal code | 8310 |
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31805E1412/00A000 | Flanders | 4,380 m² | 1 · 1,650 m² | - |
| 31808K0396/00P002 | Flanders | 3,412 m² | 1 · 1,253 m² | 6.5 m · 1 fl. |
| 31808K0387/00L000 | Flanders | 2,123 m² | 1 · 729 m² | 6.0 m · 2 fl. |
| 38402E0220/00P006 | Flanders | 1,811 m² | 1 · 566 m² | 9.1 m |
| 31029B0214/00V005 | Flanders | 1,013 m² | 1 · 188 m² | 28.0 m · 8 fl. |
| 31022B0618/00A000 | Flanders | 859 m² | - | - |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
17-12-2025 1 director appointed, 1 resigning
- Johan Dierickx, Gedelegeerd bestuurder
- Charlotte Dierickx, Bestuurder
Technical details
{
"events": [
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Charlotte Dierickx",
"address": null,
"birth_date": null
},
"effective_date": "2025-09-30",
"evidence_quote": "De algemene vergadering beslist tot het ontslag van Charlotte Dierickx, met woonplaats te 8020 Oostkamp Ravenbosstraat 22, als niet-statutaire bestuurder, en dit met ingang op 30/09/2025. De algemene vergadering verleent deze persoon kwijting voor de uitoefening van diens mandaat.",
"discharge_granted": true
},
{
"kind": "director_in",
"role": "gedelegeerd_bestuurder",
"person": {
"rrn": null,
"name": "Johan Dierickx",
"address": null,
"birth_date": null
},
"effective_date": "2025-09-30",
"evidence_quote": "De algemene vergadering beslist tot de benoeming van Johan Dierickx, met woonplaats te 8310 Brugge (Sint-Kruis) De Linde 65, als gedelegeerde bestuurder, en dit met ingang od 30/09/2025."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0663.832.366",
"name_full": "CK \u0026 J",
"legal_form": "BV"
}
}07-01-2025 Transaction in capital or shares
Technical details
{
"events": [],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0663.832.366",
"name_full": "CK \u0026 J",
"legal_form": "BV"
}
}16-11-2023 Registered office moved within Brugge
- Achiel Van Ackerplein 1, 8000 Brugge → De Linde 65, 8310 Brugge
Technical details
{
"events": [
{
"kind": "zetel_transfer",
"seat_type": "statutaire",
"new_address": {
"city": "Brugge",
"region": null,
"street": "De Linde",
"country": "BE",
"postcode": "8310",
"box_number": null,
"street_number": "65"
},
"old_address": {
"city": "Brugge",
"region": null,
"street": "Achiel Van Ackerplein",
"country": "BE",
"postcode": "8000",
"box_number": "01.01",
"street_number": "1"
},
"effective_date": "2023-10-27",
"evidence_quote": "Het bestuursorgaan beslist om met ingang vanaf 27/10/2023 de zetel te verplaatsen naar \u0022De Linde 65 te 8310 Brugge\u0022."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0663.832.366",
"name_full": "CK \u0026 J",
"legal_form": "BV"
}
}31-08-2023 3 reappointed
- DIERICKX Johan, Bestuurder
- PUTMAN Katrien, Bestuurder
- DIERICKX Charlotte, Bestuurder
Technical details
{
"events": [
{
"kind": "director_renew",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "DIERICKX Johan",
"address": null,
"birth_date": null
},
"evidence_quote": "De algemene vergadering besluit de huidige niet-statutaire zaakvoerders, hierna vermeld, ontslag te geven uit hun functie en gaat onmiddellijk over tot hun herbenoeming als niet-statutaire bestuurders voor een onbepaalde duur: 1/ De heer DIERICKX Johan, die aanvaardt en bevestigt niet getroffen te z",
"discharge_granted": false
},
{
"kind": "director_renew",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "PUTMAN Katrien",
"address": null,
"birth_date": null
},
"evidence_quote": "De algemene vergadering besluit de huidige niet-statutaire zaakvoerders, hierna vermeld, ontslag te geven uit hun functie en gaat onmiddellijk over tot hun herbenoeming als niet-statutaire bestuurders voor een onbepaalde duur: 2/ Mevrouw PUTMAN Katrien, die aanvaardt en bevestigt niet getroffen te z",
"discharge_granted": false
},
{
"kind": "director_renew",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "DIERICKX Charlotte",
"address": null,
"birth_date": null
},
"evidence_quote": "De algemene vergadering besluit de huidige niet-statutaire zaakvoerders, hierna vermeld, ontslag te geven uit hun functie en gaat onmiddellijk over tot hun herbenoeming als niet-statutaire bestuurders voor een onbepaalde duur: 3/ Mevrouw DIERICKX Charlotte, die aanvaardt en bevestigt niet getroffen ",
"discharge_granted": false
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0663.832.366",
"name_full": "CK \u0026 J",
"legal_form": "CVBA"
}
}07-06-2023 Registered office moved within Brugge
- Pijpeweg 111, 8310 Brugge → Achiel Van Ackerplein 1, 8000 Brugge
Technical details
{
"events": [
{
"kind": "zetel_transfer",
"seat_type": "statutaire",
"new_address": {
"city": "Brugge",
"region": null,
"street": "Achiel Van Ackerplein",
"country": "BE",
"postcode": "8000",
"box_number": "01.01",
"street_number": "1"
},
"old_address": {
"city": "Brugge",
"region": null,
"street": "Pijpeweg",
"country": "BE",
"postcode": "8310",
"box_number": null,
"street_number": "111"
},
"effective_date": "2023-04-01",
"evidence_quote": "De bijzondere algemene vergadering beslist met eenparigheid van stemmen om de zetel met ingang vanaf 01/04/2023 te verplaatsen naar \u003C\u00AB Achiel Van Ackerplein 1 bus 01.01 te 8000 Brugge \u00BB."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0663.832.366",
"name_full": "CK \u0026 J",
"legal_form": "CVBA"
}
}17-10-2018 Registered office moved from Brugge to Sint-Kruis
- Populierendreef 18, 8310 Brugge → Pijpeweg 111, 8310 Sint-Kruis
Technical details
{
"events": [
{
"kind": "zetel_transfer",
"seat_type": "statutaire",
"new_address": {
"city": "Sint-Kruis",
"region": null,
"street": "Pijpeweg",
"country": "BE",
"postcode": "8310",
"box_number": null,
"street_number": "111"
},
"old_address": {
"city": "Brugge",
"region": null,
"street": "Populierendreef",
"country": "BE",
"postcode": "8310",
"box_number": null,
"street_number": "18"
},
"effective_date": "2018-09-01",
"evidence_quote": "De vergadering beslist om de maatschappelijke zetel onder te brengen van de Populierendreef 18 - 8310 Brugge naar de Pijpeweg 111-8310 Sint-Kruis."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0663.832.366",
"name_full": "CK \u0026 J",
"legal_form": "CVBA"
}
}07-10-2016 Incorporation of a new CommV
Technical details
{
"kind": "oprichting",
"seat": "Populierendreef 18, 8310 Brugge",
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"founders": [
{
"org": null,
"kind": "natural_person",
"person": {
"dob": "1960-07-16",
"name": "Dierickx Johan Marcel Aline",
"niss": null,
"address": "Pijpeweg 111, 8310 Brugge (Sint-Kruis)"
},
"share_class": "naam",
"partner_role": null,
"holder_org_kbo": null,
"holder_org_name": null,
"contribution_type": "cash",
"amount_paid_in_eur": 2480,
"holder_person_name": "Dierickx Johan Marcel Aline",
"is_subscriber_only": false,
"n_shares_subscribed": 40,
"amount_subscribed_eur": 2480,
"is_anonymous_silent_partner": false
},
{
"org": null,
"kind": "natural_person",
"person": {
"dob": "1961-12-10",
"name": "Putman Katrien Georgette Maria",
"niss": null,
"address": "Pijpeweg 111, 8310 Brugge (Sint-Kruis)"
},
"share_class": "naam",
"partner_role": null,
"holder_org_kbo": null,
"holder_org_name": null,
"contribution_type": "cash",
"amount_paid_in_eur": 2480,
"holder_person_name": "Putman Katrien Georgette Maria",
"is_subscriber_only": false,
"n_shares_subscribed": 40,
"amount_subscribed_eur": 2480,
"is_anonymous_silent_partner": false
},
{
"org": null,
"kind": "natural_person",
"person": {
"dob": "1987-01-04",
"name": "Dierickx Charlotte Agnes Fernand",
"niss": null,
"address": "Populierendreef 18, 8310 Brugge (Assebroek)"
},
"share_class": "naam",
"partner_role": null,
"holder_org_kbo": null,
"holder_org_name": null,
"contribution_type": "cash",
"amount_paid_in_eur": 1240,
"holder_person_name": "Dierickx Charlotte Agnes Fernand",
"is_subscriber_only": false,
"n_shares_subscribed": 20,
"amount_subscribed_eur": 1240,
"is_anonymous_silent_partner": false
}
],
"capital_eur": 18600,
"subject_company": {
"kbo": "0663.832.366",
"name_full": "CK\u0026J",
"legal_form": "CommV"
},
"initial_directors": [],
"incorporation_date": "2016-10-05",
"post_incorporation_mandates": []
}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameNL | CK&J |