F.J.A.
ActiveF.J.A. has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €58k and a net result of €36k. Equity is growing by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 52% of 13270 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▲+59
Solvency58▼-7
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.44 against 1.67 in 2024; short-term debt: 54.1% and cash: 69.7% of total assets), and 67.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 56
Relative position
BE, all sectors
reference
Sector 56
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
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
32.6%
Return on assets
20.4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-05-2026, 73 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
73 d early
2024
51 d early
2023
58 d early
2022
11 d early
2021
41 d early
2020
66 d early
2019
73 d early
← 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
€58k▲ 3.7%
2024 · €56k
2018: €28k
2019: €28k
2020: €38k
2021: €58k
2022: €56k
2023: €60k
2024: €56k
2018 → 2025
Total assets
€177k▲ 28.4%
2024 · €138k
2018: €80k
2019: €96k
2020: €94k
2021: €121k
2022: €111k
2023: €155k
2024: €138k
2018 → 2025
Net result
€36k
2024 · €-5k
2018: €-524
2019: €12k
2020: €12k
2021: €20k
2022: €-2k
2023: €15k
2024: €-5k
2018 → 2025
Working capital
€42k▲ 15.5%
2024 · €37k
2018: €-4k
2019: €3k
2020: €19k
2021: €34k
2022: €36k
2023: €41k
2024: €37k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€58k-€56k▼ 3.5%€60k▲ 8.7%€56k▼ 8.0%€58k▲ 3.7%
Operating result€24k-€43▼ 99.8%€19k▲ 43,181%€-493€44k
Net result€20k-€-2k€15k€-5k€36k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €44k after a loss of €493 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €177k
Fixed assets
€39k▼ 16.8%
Current assets
€138k▲ 51.4%
Equity and liabilities €177k
Equity
€58k▲ 3.7%
Debt
€119k▲ 45.1%
The debt ratio rises from 59.6% to 67.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€56k▲
2024 · €11k
Cash flow
€48k▲
2024 · €6k
Solvency
32.6%▼
2024 · 40.4%
Current ratio
1.44▼
2024 · 1.67
Quick ratio
1.33▼
2024 · 1.43
Debt / equity
2.06▲
2024 · 1.48
ROE
62.4%▲
2024 · -8.7%
ROA
20.4%▲
2024 · -3.5%
Interest coverage
19.09▲
2024 · 2.49
Debt
€119k▲
2024 · €82k
Debt ≤ 1 year
€96k▲
2024 · €54k
Debt > 1 year
€23k▼
2024 · €28k
Income taxes
€5k▲
2024 · €-5
Staff costs
€107k▲
2024 · €97k
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€138k€177k▲
Fixed assets21/28€46k€39k▼
Tangible fixed assets22/27€44k€33k▼
Land and buildings22€17k€12k▼
Plant, machinery and equipment23€9k€7k▼
Furniture and vehicles24€17k€14k▼
Other tangible fixed assets26€1k€585▼
Financial fixed assets28€3k€5k▲
Current assets29/58€91k€138k▲
Stocks and contracts in progress3€13k€11k▼
Stocks30/36€13k€11k▼
Amounts receivable within one year40/41€701€1k▲
Other amounts receivable41€701€1k▲
Cash at bank and in hand54/58€75k€123k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€138k€177k▲
Equity10/15€56k€58k▲
Contributions10/11€20k€20k=
Reserves13€39k€37k▼
Distributable reserves133€39k€37k▼
Profit (loss) carried forward14€-4k-
Amounts payable17/49€82k€119k▲
Amounts payable after more than one year17€28k€23k▼
Financial debts170/4€28k€23k▼
Amounts payable within one year42/48€54k€96k▲
Current portion of amounts payable after more than one year42€4k€4k▲
Trade debts44€11k€13k▲
Suppliers440/4€11k€13k▲
Taxes, remuneration and social security45€13k€18k▲
Taxes450/3€2k€6k▲
Remuneration and social security454/9€11k€12k▲
Other amounts payable47/48€26k€61k▲
Accrued charges and deferred income492/3-€11
Income statement
Code20242025
Remuneration, social security and pensions62€97k€107k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲
Other operating charges640/8€937€535▼
Gross operating margin9900€109k€163k▲
Operating profit (loss)9901€-493€44k▲
Financial income75/76B€11€9▼
Recurring financial income75€11€9▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€-5k€41k▲
Income taxes67/77€-5€5k▲
Profit (loss) for the period9904€-5k€36k▲
Profit (loss) for the period to be appropriated9905€-5k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€32k▲
Profit (loss) brought forward from the previous period14P-€-4k
Transfer from equity791/2€1k€14k▲
Transfer to equity691/2-€12k
To other reserves6921-€12k
Profit to be distributed694/7-€34k
Return on contributions (dividend)694-€14k
Directors or managers695-€20k
The notes to these accounts (13 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
19-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €36k
Net result €36k after one loss-making year.
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-5k ▼133%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
19-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Trois-Ponts · 2 establishment units since 1991
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.
Route de Coo 14980 Trois-PontsGround area
1,490 m²
Parcel 63082A0044/00K000, Wallonia. Linked by address, not a title deed.
2 establishment units
Route de Coo 1, 4980 Trois-Ponts
since 19912.054.704.577
Route de Coo 1, 4980 Trois-Ponts
since 19992.054.704.676
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63082A0044/00K000indicative | Wallonia | 1,490 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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 siteTrois-Ponts2.054.704.577
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 8,331 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-05-1991
Fiscal year end31-12
Activities, NACEBEL
55302
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
25999Manufacture of fabricated metal products, except machinery and equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 35 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.