CMJ GESTION
ActiveCMJ GESTION has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €846. Equity is shrinking by ~20.8% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 11% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▲+34
Solvency29▲+2
Growth32=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 11%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
1 d early
2023
3 d late
2022
6 d early
2021
3 d early
2020
10 d late
2019
21 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€846
2024 · €-3k
2019: €5k
2020: €4k
2021: €11k
2022: €-6k
2023: €-3k
2024: €-3k
2019 → 2025
Working capital
€4k▼ 38.3%
2024 · €6k
2019: €5k
2020: €9k
2021: €9k
2022: €-11k
2023: €-15k
2024: €6k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€9k▼ 40.9%€6k▼ 34.2%€3k▼ 56.3%€3k▲ 31.9%
Operating result€9k-€-7k€-2k▲ 78.2%€138€4k▲ 3,123%
Net result€11k-€-6k€-3k▲ 50.7%€-3k▼ 8.4%€846
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 3,123% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €81k
Fixed assets
€6k▼ 35.8%
Current assets
€75k▼ 26.5%
Equity and liabilities €81k
Equity
€3k▲ 31.9%
Debt
€78k▼ 28.8%
The debt ratio falls from 97.6% to 95.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€8k▲
2024 · €4k
Cash flow
€4k▲
2024 · €905
Solvency
4.3%▲
2024 · 2.4%
Current ratio
1.05▼
2024 · 1.06
Quick ratio
1.05▼
2024 · 1.06
Debt / equity
22.22▼
2024 · 41.14
ROE
24.2%▲
2024 · -128.6%
ROA
1.0%▲
2024 · -3.1%
Interest coverage
4.52▲
2024 · 1.07
Debt
€78k▼
2024 · €109k
Debt ≤ 1 year
€71k▼
2024 · €96k
Debt > 1 year
€6k▼
2024 · €13k
Income taxes
€2k▲
2024 · €0
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€112k€81k▼
Fixed assets21/28€10k€6k▼
Tangible fixed assets22/27€10k€6k▼
Plant, machinery and equipment23€7k€4k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€102k€75k▼
Amounts receivable within one year40/41€79k€74k▼
Trade receivables40€79k€74k▼
Cash at bank and in hand54/58€23k-
Deferred charges and accrued income490/1€74€877▲
Equity and liabilities
Total equity and liabilities10/49€112k€81k▼
Equity10/15€3k€3k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-18k€-17k▲
Amounts payable17/49€109k€78k▼
Amounts payable after more than one year17€13k€6k▼
Financial debts170/4€13k€6k▼
Amounts payable within one year42/48€96k€71k▼
Current portion of amounts payable after more than one year42€7k€7k▲
Financial debts43-€4k
Credit institutions430/8-€4k
Trade debts44€59k€46k▼
Suppliers440/4€59k€46k▼
Taxes, remuneration and social security45€8k€5k▼
Taxes450/3€8k€5k▼
Other amounts payable47/48€22k€9k▼
Accrued charges and deferred income492/3-€128
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€4k
Other operating charges640/8€4k€2k▼
Gross operating margin9900€8k€14k▲
Operating profit (loss)9901€138€4k▲
Financial income75/76B€627€27▼
Recurring financial income75€627€27▼
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€-3k€3k▲
Income taxes67/77€0€2k▲
Profit (loss) for the period9904€-3k€846▲
Profit (loss) for the period to be appropriated9905€-3k€846▲
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€-17k▲
Profit (loss) brought forward from the previous period14P€-14k€-18k▼
The notes to these accounts (7 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €846
Net result €846 after 3 loss-making years.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 3 days late
2023
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €-6k ▼156%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €11k ▲199%
Operating result €9k, net result €11k, both a record.
10-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 10 days late
2020
21-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 21 days late
2019
27-02
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
09-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 9 days late
2017
22-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 22 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, Oupeye · 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.
Rue du Panorama 304680 OupeyeGround area
3,231 m²
Building footprint
59 m²
Volume, LiDAR
493 m³
2 parcels, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de la Paix 87, 4683 Oupeye
since 20032.126.963.837
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62079A0777/00H000 | Wallonia | 2,348 m² | - | - |
| 62109B0435/00N002 | Wallonia | 884 m² | 1 · 59 m² | 10.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
G & D RENOVATION
BE 0752.839.170
Sint-Pieters-Leeuw · Eq €3k
Stig
BE 0797.926.750
Brecht · Eq €3k
SPLENDEUR DU BOIS
BE 0474.970.891
Sint-Lambrechts-Woluwe · Eq €3k
HENSE KRAANWERKEN
BE 0801.697.674
Kalmthout · Eq €3k
Bouw- en Tuinwerken Reynaers
BE 1029.770.806
Dilbeek · Eq €3k
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 2,095 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-03-2003
Fiscal year end30-06
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
45250
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.