ESTJ
ActiveESTJ has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €-3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 1613 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▼-17
Solvency37▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 19.67 against 6.11 in 2024; short-term debt: 0.4% and cash: 7.2% of total assets), but 88.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 2025Solvency, return and age of the figures
Solvency
11.9%
Return on assets
-1.8%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 1613 sector peers (2025).
NBB · sector comparisonPosition among 1613 sector peers
Solvency
better than 23%
← 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 23-12-2025, 39 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
39 d early
2024
43 d early
2023
2 d early
2022
54 d early
2021
39 d early
2020
4 d early
2019
on the day
← 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 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-3k
2024 · €8k
2019: €-3k
2021: €-4k
2022: €6k
2023: €22k
2024: €8k
2019 → 2025
Working capital
€11k▼ 13.1%
2024 · €13k
2019: €-101k
2021: €-142k
2022: €-88k
2023: €-63k
2024: €13k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-14k-€-8k▲ 43.0%€14k€22k▲ 61.6%€19k▼ 13.2%
Operating result€-2k-€7k€22k▲ 217%€12k▼ 47.8%€-3k
Net result€-4k-€6k€22k▲ 260%€8k▼ 61.0%€-3k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €12k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €162k
Fixed assets
€150k=
Current assets
€12k▼ 23.4%
Equity and liabilities €162k
Equity
€19k▼ 13.2%
Debt
€142k▼ 0.4%
The debt ratio rises from 86.6% to 88.1%. Equity and debt are lower.
Key figures and ratios
Solvency
11.9%▼
2024 · 13.4%
Current ratio
19.67▲
2024 · 6.11
Quick ratio
19.67▲
2024 · 6.11
Debt / equity
7.38▲
2024 · 6.44
ROE
-15.1%▼
2024 · 38.1%
ROA
-1.8%▼
2024 · 5.1%
Debt
€142k▼
2024 · €143k
Debt ≤ 1 year
€590▼
2024 · €2k
Debt > 1 year
€142k▲
2024 · €141k
Income taxes
€0▼
2024 · €1k
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€165k€162k▼
Fixed assets21/28€150k€150k=
Financial fixed assets28€150k€150k=
Current assets29/58€15k€12k▼
Cash at bank and in hand54/58€15k€12k▼
Equity and liabilities
Total equity and liabilities10/49€165k€162k▼
Equity10/15€22k€19k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€4k€801▼
Amounts payable17/49€143k€142k▼
Amounts payable after more than one year17€141k€142k▲
Other amounts payable178/9€141k€142k▲
Amounts payable within one year42/48€2k€590▼
Trade debts44€1k€490▼
Suppliers440/4€1k€490▼
Taxes, remuneration and social security45€1k€0▼
Taxes450/3€1k€0▼
Other amounts payable47/48€100€100=
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Other operating charges640/8€974€460▼
Gross operating margin9900€12k€-2k▼
Operating profit (loss)9901€12k€-3k▼
Financial charges65/66B€2k€46▼
Recurring financial charges65€2k€46▼
Profit (loss) for the period before taxes9903€10k€-3k▼
Income taxes67/77€1k€0▼
Profit (loss) for the period9904€8k€-3k▼
Profit (loss) for the period to be appropriated9905€8k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€801▼
Profit (loss) brought forward from the previous period14P€-5k€4k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (14 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
23-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Liquidity triplescurrent ratio 19.67
Current ratio from 6.11 to 19.67; short-term debt falls from €2k to €590.
2024
19-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Liquidity times 89current ratio 6.11
Current ratio from 0.07 to 6.11; short-term debt falls from €68k to €2k.
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Highest result since 2019net €22k ▲260%
Operating result €22k, net result €22k, both a record.
2022
08-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-06
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
30-06
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
15-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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-Genesius-Rode · 1 establishment unit since 2015
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.
Waterloose Steenweg 331640 Sint-Genesius-RodeGround area
4,018 m²
Building footprint
687 m²
Volume, LiDAR
3,094 m³
2 parcels, Flanders, Wallonia · tallest building 14.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ESTJ
since 20152.246.108.739
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22552G0003/00S009 | Flanders | 2,413 m² | 1 · 501 m² | 14.3 m · 2 fl. |
| 25743K0002/00A010 | Wallonia | 1,605 m² | 1 · 186 m² | 7.9 m · 2 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.
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Of 13,426 companies in sector 73300 we hold annual accounts for 6,900. 4,674 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-09-2015
Fiscal year end30-06
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.