FBJ-holding is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €167k and a net result of €74k. Equity is growing by ~119.9% per year across the filed fiscal years. Its solvency ranks better than 6% of 5498 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 6% of 5498 sector peers (2025).
NBB · sector comparisonPosition among 5498 sector peers
Solvency
better than 6%
← weakest
strongest →
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 16-07-2026, 15 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
15 d early
2024
23 d early
2023
71 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€167k▲ 140%
2024 · €70k
2023: €24
2024: €70k
2023 → 2025
Net result
€74k▲ 7.0%
2024 · €69k
2023: €-50k
2024: €69k
2023 → 2025
Total assets
€10.23M▲ 2.3%
2024 · €10.00M
2023: €9.26M
2024: €10.00M
2023 → 2025
Solvency
1.6%▲ 0.9pp
2024 · 0.7%
2023: 0.0%
2024: 0.7%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€24-€70k▲ 290,604%€167k▲ 140%
Operating result€18k-€739k▲ 3,985%€770k▲ 4.2%
Net result€-50k-€69k€74k▲ 7.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 4% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10.23M
Fixed assets
€3.88M▲ 23.6%
Current assets
€6.35M▼ 7.4%
Equity and liabilities €10.23M
Equity
€167k▲ 140%
Debt
€10.06M▲ 1.3%
The debt ratio falls from 99.3% to 98.4%. Equity and debt are higher.
Key figures and ratios
Solvency
1.6%▲
2024 · 0.7%
ROE
44.6%▼
2024 · 100.0%
ROA
0.7%▲
2024 · 0.7%
Debt
€10.06M▲
2024 · €9.93M
Debt ≤ 1 year
€386k▼
2024 · €451k
Debt > 1 year
€9.16M▲
2024 · €9.05M
Income taxes
€19k▲
2024 · €7k
Staff costs
€13k
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€10.00M€10.23M▲
Fixed assets21/28€3.14M€3.88M▲
Tangible fixed assets22/27€3.10M€3.84M▲
Land and buildings22€3.10M€3.84M▲
Furniture and vehicles24-€501
Financial fixed assets28€36k€38k▲
Current assets29/58€6.86M€6.35M▼
Amounts receivable after more than one year29€3.43M€5.16M▲
Other amounts receivable291€3.43M€5.16M▲
Amounts receivable within one year40/41€3.03M€417k▼
Trade receivables40€492k€379k▼
Other amounts receivable41€2.54M€39k▼
Cash at bank and in hand54/58€227k€416k▲
Deferred charges and accrued income490/1€174k€361k▲
Equity and liabilities
Total equity and liabilities10/49€10.00M€10.23M▲
Equity10/15€70k€167k▲
Contributions10/11€50k€73k▲
Reserves13€20k€94k▲
Distributable reserves133€20k€94k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€9.93M€10.06M▲
Amounts payable after more than one year17€9.05M€9.16M▲
Financial debts170/4€9.05M€9.16M▲
Amounts payable within one year42/48€451k€386k▼
Trade debts44€15k€28k▲
Suppliers440/4€15k€28k▲
Advances received on contracts in progress46€529€0▼
Taxes, remuneration and social security45€54k€74k▲
Taxes450/3€54k€74k▲
Other amounts payable47/48€382k€284k▼
Accrued charges and deferred income492/3€430k€519k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€13k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€62k€95k▲
Other operating charges640/8€23k€27k▲
Gross operating margin9900€825k€906k▲
Operating profit (loss)9901€739k€770k▲
Financial income75/76B€118k€76k▼
Recurring financial income75€118k€76k▼
Financial charges65/66B€781k€753k▼
Recurring financial charges65€781k€753k▼
Profit (loss) for the period before taxes9903€76k€94k▲
Income taxes67/77€7k€19k▲
Profit (loss) for the period9904€69k€74k▲
Profit (loss) for the period to be appropriated9905€69k€74k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€74k▲
Profit (loss) brought forward from the previous period14P€-50k€0▲
Transfer to equity691/2€20k€74k▲
To other reserves6921€20k€74k▲
The notes to these accounts (18 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2023net €74k ▲7%
Operating result €770k, net result €74k, both a record.
31-12
Financial
Equity above €150kEq €167k ▲140%
2 profitable years in a row build equity to €167k.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €69k
Net result €69k after one loss-making year.
10-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 71 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, Merksplas · 2 establishment units since 2022
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.
Koekhoven 382330 MerksplasGround area
4,371 m²
Building footprint
371 m²
Volume, LiDAR
2,096 m³
2 parcels, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
FBJ-holding
since 20222.341.844.472
FBJ-Holding
since 20232.353.409.644
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13023C0033/00G002 | Flanders | 2,545 m² | 1 · 117 m² | 8.4 m · 2 fl. |
| 13023C0084/00X006 | Flanders | 1,826 m² | 1 · 254 m² | 8.4 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 4,245 EUR awarded · 4,245 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 4,245 EUR | 4,245 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 13,386 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2022
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
41001General construction of residential buildings
41003General construction of other non-residential buildings
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.