FAJO
InactiveInactive since 02-06-2026; last annual accounts for fiscal year 2025.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 28-04-2026, 94 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
94 d early
2024
49 d late
2023
28 d early
2022
11 d early
2021
11 d early
2020
23 d late
2019
45 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€502k▲ 14.5%
2024 · €439k
2018: €65k
2019: €69k
2020: €72k
2021: €80k
2022: €82k
2023: €86k
2024: €439k
2018 → 2025
Total assets
€518k▲ 18.2%
2024 · €439k
2018: €164k
2019: €143k
2020: €120k
2021: €103k
2022: €83k
2023: €87k
2024: €439k
2018 → 2025
Net result
€64k▼ 81.9%
2024 · €352k
2018: €-2k
2019: €4k
2020: €4k
2021: €8k
2022: €2k
2023: €4k
2024: €352k
2018 → 2025
Working capital
€502k▲ 826%
2023 · €54k
2018: €41k
2019: €32k
2020: €21k
2021: €26k
2022: €37k
2023: €54k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€80k-€82k▲ 2.1%€86k▲ 5.5%€439k▲ 408%€502k▲ 14.5%
Operating result€9k-€2k▼ 75.8%€5k▲ 101%€500k▲ 10,965%€92k▼ 81.5%
Net result€8k-€2k▼ 78.1%€4k▲ 160%€352k▲ 7,784%€64k▼ 81.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 82% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €518k
Equity
€502k ▲ 14.5%
Debt
€16k ▲ 42,795%
Debt's share of the balance-sheet total rises from 0.0% to 3.1%. Equity and debt are higher.
Key figures and ratios
Current ratio
31.93
Debt to equity
0.03▲
2024 · 0.00
ROE
12.7%▼
2024 · 80.3%
ROA
12.3%▼
2024 · 80.3%
Debt ≤ 1 year
€16k
Income taxes
€30k▼
2024 · €148k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€439k€518k▲
Fixed assets21/28€4k-
Tangible fixed assets22/27€4k-
Land and buildings22€4k-
Current assets29/58€434k€518k▲
Amounts receivable within one year40/41€29k€29k▼
Other amounts receivable41€29k€29k▼
Cash at bank and in hand54/58€405k€489k▲
Deferred charges and accrued income490/1€297€256▼
Equity and liabilities
Total equity and liabilities10/49€439k€518k▲
Equity10/15€439k€502k▲
Contributions10/11€75k€75k=
Capital10€75k€75k=
Issued capital100€75k€75k=
Reserves13€360k€423k▲
Non-distributable reserves130/1€8k€8k=
Legal reserve130€8k€8k=
Distributable reserves133€352k€416k▲
Profit (loss) carried forward14€4k€4k=
Amounts payable17/49€38€16k▲
Amounts payable within one year42/48-€16k
Trade debts44-€7k
Suppliers440/4-€7k
Taxes, remuneration and social security45-€10k
Taxes450/3-€10k
Accrued charges and deferred income492/3€38€25▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€500-
Other operating charges640/8€7k€2k▼
Gross operating margin9900€508k€94k▼
Operating profit (loss)9901€500k€92k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€254€543▲
Recurring financial charges65€254€543▲
Profit (loss) for the period before taxes9903€500k€94k▼
Income taxes67/77€148k€30k▼
Profit (loss) for the period9904€352k€64k▼
Profit (loss) for the period to be appropriated9905€352k€64k▼
Appropriation of the result
Profit (loss) to be appropriated9906€356k€68k▼
Profit (loss) brought forward from the previous period14P€4k€4k=
Transfer to equity691/2€352k€64k▼
To other reserves6921€352k€64k▼
The notes to these accounts (2 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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €500kEq €502k ▲14.5%
7 profitable years in a row build equity to €502k.
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 49 days late
2024
31-12
Financial
Highest result since 2018net €352k ▲7784%
Operating result €500k, net result €352k, both a record.
31-12
Financial
Equity above €200kEq €439k ▲408%
6 profitable years in a row build equity to €439k.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity times 45current ratio 105.47
Current ratio from 2.36 to 105.47; short-term debt falls from €19k to €357.
20-07
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
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
Show earlier events
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-05
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
7 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, Jalhay
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 Verviers 1014845 JalhayGround area
100 m²
Building footprint
92 m²
Volume, LiDAR
535 m³
Parcel 63038D0028/00T000, Wallonia · tallest building 11.6 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63038D0028/00T000 | Wallonia | 100 m² | 1 · 92 m² | 11.6 m · 2 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.
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded04-05-1972
Fiscal year end31-12
Abbreviation FR
Ascover
Sources
Crossroads Bank for EnterprisesNational Bank · 50 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.