D&J
ActiveD&J has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €101k and a net result of €23k. Equity is growing by ~23.6% per year across the filed fiscal years. Its solvency ranks better than 67% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▼-5
Solvency80▼-7
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.96 against 2.43 in 2024; short-term debt: 44.8% and cash: 61.5% of total assets), and 45.5% 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
54.5%
Return on assets
12.4%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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
19 d late
2024
55 d late
2023
36 d early
2022
34 d early
2021
25 d early
2020
23 d late
2019
31 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€101k▼ 10.5%
2024 · €113k
2018: €38k
2019: €27k
2020: €42k
2021: €46k
2022: €58k
2023: €84k
2024: €113k
2018 → 2025
Total assets
€185k▲ 2.3%
2024 · €181k
2018: €65k
2019: €79k
2020: €98k
2021: €106k
2022: €131k
2023: €175k
2024: €181k
2018 → 2025
Net result
€23k▼ 20.1%
2024 · €29k
2018: €812
2019: €-11k
2020: €16k
2021: €4k
2022: €31k
2023: €42k
2024: €29k
2018 → 2025
Working capital
€79k▼ 11.3%
2024 · €90k
2018: €11k
2019: €5k
2020: €21k
2021: €30k
2022: €38k
2023: €64k
2024: €90k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€58k▲ 26.6%€84k▲ 44.3%€113k▲ 34.4%€101k▼ 10.5%
Operating result€11k-€53k▲ 400%€68k▲ 29.5%€50k▼ 26.9%€41k▼ 17.6%
Net result€4k-€31k▲ 757%€42k▲ 33.7%€29k▼ 30.9%€23k▼ 20.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €185k
Fixed assets
€23k▼ 21.5%
Current assets
€162k▲ 6.8%
Equity and liabilities €185k
Equity
€101k▼ 10.5%
Debt
€84k▲ 23.3%
The debt ratio rises from 37.7% to 45.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€50k▼
2024 · €57k
Cash flow
€32k▼
2024 · €36k
Solvency
54.5%▼
2024 · 62.3%
Current ratio
1.96▼
2024 · 2.43
Quick ratio
1.73▼
2024 · 2.20
Debt / equity
0.83▲
2024 · 0.61
ROE
22.8%▼
2024 · 25.6%
ROA
12.4%▼
2024 · 15.9%
Interest coverage
11.85▲
2024 · 10.97
Debt
€84k▲
2024 · €68k
Debt ≤ 1 year
€83k▲
2024 · €62k
Debt > 1 year
€1k▼
2024 · €6k
Income taxes
€14k▼
2024 · €16k
Staff costs
€49k▲
2024 · €45k
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€181k€185k▲
Fixed assets21/28€29k€23k▼
Tangible fixed assets22/27€29k€23k▼
Furniture and vehicles24€10k€8k▼
Other tangible fixed assets26€18k€14k▼
Financial fixed assets28€25€25=
Current assets29/58€152k€162k▲
Stocks and contracts in progress3€14k€19k▲
Stocks30/36€14k€19k▲
Amounts receivable within one year40/41€989€18k▲
Trade receivables40€989€5k▲
Other amounts receivable41-€13k
Cash at bank and in hand54/58€127k€114k▼
Deferred charges and accrued income490/1€9k€12k▲
Equity and liabilities
Total equity and liabilities10/49€181k€185k▲
Equity10/15€113k€101k▼
Contributions10/11€7k€7k=
Reserves13€106k€94k▼
Distributable reserves133€106k€94k▼
Amounts payable17/49€68k€84k▲
Amounts payable after more than one year17€6k€1k▼
Financial debts170/4€6k€1k▼
Amounts payable within one year42/48€62k€83k▲
Current portion of amounts payable after more than one year42€5k€5k▼
Trade debts44€10k€7k▼
Suppliers440/4€10k€7k▼
Taxes, remuneration and social security45€45k€36k▼
Taxes450/3€40k€30k▼
Remuneration and social security454/9€4k€6k▲
Other amounts payable47/48€2k€35k▲
Income statement
Code20242025
Remuneration, social security and pensions62€45k€49k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€9k▲
Other operating charges640/8€6k€6k▲
Gross operating margin9900€108k€105k▼
Operating profit (loss)9901€50k€41k▼
Financial income75/76B€99€58▼
Recurring financial income75€99€58▼
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€45k€37k▼
Income taxes67/77€16k€14k▼
Profit (loss) for the period9904€29k€23k▼
Profit (loss) for the period to be appropriated9905€29k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€29k€23k▼
Transfer from equity791/2-€35k
Transfer to equity691/2€29k€23k▼
To other reserves6921€29k€23k▼
Profit to be distributed694/7-€35k
Return on contributions (dividend)694-€35k
The notes to these accounts (9 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 55 days late
2024
31-12
Financial
Equity above €100kEq €113k ▲34.4%
5 profitable years in a row build equity to €113k.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €42k ▲33.7%
Operating result €68k, net result €42k, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €-11k ▼1480%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sint-Pieters-Woluwe · 1 establishment unit since 2014
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.
Kerkstraat 96/a1150 Sint-Pieters-WoluweGround area
141 m²
Building footprint
82 m²
Volume, LiDAR
1,093 m³
Parcel 21683D0033/00T007, Brussels · tallest building 15.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
LEONIDAS
since 20142.225.428.042
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21683D0033/00T007 | Brussels | 141 m² | 1 · 82 m² | 15.4 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Pieters-Woluwe2.225.428.042
Similar companies · same sector, comparable size
DOUCEUR CHOCOLAT
BE 0673.912.943
Courcelles · Eq €101k
G. BASTIN
BE 0438.725.456
Antwerpen · Eq €100k
PRALINESSENCE
BE 0502.731.796
Waterloo · Eq €100k
Choc’o coeur
BE 0800.926.030
Manage · Eq €101k
BON BON BALLON
BE 0816.855.608
Menen · Eq €100k
Of 899 companies in sector 47242 we hold annual accounts for 339. 300 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-12-2013
Fiscal year end31-12
Activities, NACEBEL
47242Retail sale of chocolate and confectionery
Sources
Crossroads Bank for EnterprisesNational Bank · 12 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.