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 50% of 5523 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
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 31-03-2025 was due by 31-10-2025 and was filed on 30-09-2025, 31 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
31 d early
2024
3 d early
2023
5 d early
2022
28 d early
2021
55 d early
2020
16 d late
2019
6 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.73M▲ 31.0%
2024 · €2.85M
2019: €2.36M
2020: €1.82M
2021: €2.17M
2022: €2.65M
2023: €3.26M
2024: €2.85M
2019 → 2025
Net result
€882k▲ 37.9%
2024 · €640k
2019: €190k
2020: €221k
2021: €348k
2022: €479k
2023: €610k
2024: €640k
2019 → 2025
Total assets
€7.16M▼ 8.6%
2024 · €7.83M
2019: €3.40M
2020: €2.78M
2021: €3.51M
2022: €4.34M
2023: €5.59M
2024: €7.83M
2019 → 2025
Solvency
52.1%▲ 15.7pp
2024 · 36.4%
2019: 69.4%
2020: 65.5%
2021: 61.8%
2022: 60.9%
2023: 58.3%
2024: 36.4%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.17M-€2.65M▲ 22.1%€3.26M▲ 23.0%€2.85M▼ 12.6%€3.73M▲ 31.0%
Operating result€524k-€750k▲ 42.9%€836k▲ 11.5%€850k▲ 1.7%€725k▼ 14.6%
Net result€348k-€479k▲ 37.5%€610k▲ 27.5%€640k▲ 4.8%€882k▲ 37.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.16M
Fixed assets
€6.45M▲ 0.5%
Current assets
€717k▼ 49.4%
Equity and liabilities €7.16M
Equity
€3.73M▲ 31.0%
Debt
€3.43M▼ 31.1%
The debt ratio falls from 63.6% to 47.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
52.1%▲
2024 · 36.4%
ROE
23.6%▲
2024 · 22.5%
ROA
12.3%▲
2024 · 8.2%
Debt
€3.43M▼
2024 · €4.99M
Debt ≤ 1 year
€515k▼
2024 · €2.74M
Debt > 1 year
€2.92M▲
2024 · €2.24M
Income taxes
€169k▼
2024 · €258k
Staff costs
€59k▼
2024 · €103k
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€7.83M€7.16M▼
Fixed assets21/28€6.42M€6.45M▲
Intangible fixed assets21€4k€4k=
Tangible fixed assets22/27€5.70M€6.09M▲
Land and buildings22€5.61M€5.82M▲
Furniture and vehicles24€90k€266k▲
Financial fixed assets28€718k€354k▼
Current assets29/58€1.42M€717k▼
Amounts receivable after more than one year29€500k€100k▼
Other amounts receivable291€500k€100k▼
Amounts receivable within one year40/41€319k€213k▼
Trade receivables40€86k€64k▼
Other amounts receivable41€233k€149k▼
Current investments50/53€400k€300k▼
Cash at bank and in hand54/58€193k€98k▼
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€7.83M€7.16M▼
Equity10/15€2.85M€3.73M▲
Contributions10/11€273k€273k=
Revaluation surpluses12€426k€426k=
Reserves13€2.15M€3.03M▲
Distributable reserves133€2.15M€3.03M▲
Profit (loss) carried forward14€17-
Amounts payable17/49€4.99M€3.43M▼
Amounts payable after more than one year17€2.24M€2.92M▲
Financial debts170/4€2.24M€2.92M▲
Amounts payable within one year42/48€2.74M€515k▼
Current portion of amounts payable after more than one year42€1.49M€379k▼
Trade debts44€11k€21k▲
Suppliers440/4€11k€21k▲
Taxes, remuneration and social security45€19k€16k▼
Taxes450/3€2k€3k▲
Remuneration and social security454/9€16k€12k▼
Other amounts payable47/48€1.22M€99k▼
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Remuneration, social security and pensions62€103k€59k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€122k€143k▲
Other operating charges640/8€69k€27k▼
Gross operating margin9900€1.14M€955k▼
Operating profit (loss)9901€850k€725k▼
Financial income75/76B€132k€436k▲
Recurring financial income75€132k€154k▲
Non-recurring financial income76B-€283k
Financial charges65/66B€84k€111k▲
Recurring financial charges65€84k€111k▲
Profit (loss) for the period before taxes9903€898k€1.05M▲
Income taxes67/77€258k€169k▼
Profit (loss) for the period9904€640k€882k▲
Transfer from tax-exempt reserves789€19k-
Profit (loss) for the period to be appropriated9905€658k€882k▲
Appropriation of the result
Profit (loss) to be appropriated9906€658k€882k▲
Profit (loss) brought forward from the previous period14P€170€17▼
Transfer from equity791/2€17k-
Transfer to equity691/2€658k€882k▲
To other reserves6921€658k€882k▲
Profit to be distributed694/7€17k-
Return on contributions (dividend)694€17k-
Social balance
Average headcount (FTE)90872.21.3▼
The notes to these accounts (16 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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Highest result since 2019net €882k ▲37.9%
Net result €882k, the highest in the series.
31-03
Financial
Liquidity triplescurrent ratio 1.39
Current ratio from 0.52 to 1.39; short-term debt falls from €2.74M to €515k.
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
26-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Liquidity doublescurrent ratio 7.58
Current ratio from 3.51 to 7.58; short-term debt falls from €403k to €165k.
2022
03-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
06-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Equity above €2MEq €2.17M ▲19.1%
3 profitable years in a row build equity to €2.17M.
2020
16-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2019
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 6 days late
2018
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
30-09-2025
Resigned as Director
Location & real-estate footprint
Registered office, Brugge · 6 establishment units since 2016
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.
De Linde 658310 BruggeGround area
1.4 ha
Building footprint
4,386 m²
Volume, LiDAR
11,683 m³
6 parcels, Flanders · tallest building 28.0 m, ±8 floors. Linked by address, not a title deed.
6 establishment units
De Linde 65, 8310 Brugge
since 20162.258.400.718
Monnikenwerve 194, 8000 Brugge
since 20172.347.520.754
Ravenbosstraat 22, 8020 Oostkamp
since 20212.317.232.109
Monnikenwerve 94/96, 8000 Brugge
since 20232.347.520.655
CK&J
since 20232.363.878.023
Residentie Portino
since 20232.347.520.853
6 parcels
Flanders
6
(100%)
| 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 | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 5
6 of 6 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 9,041 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-10-2016
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.