FEJ
ActiveFEJ 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 €146.20M and a net result of €151.78M. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 88% of 2619 sector peers (fiscal year 2023). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. 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 11-05-2026, 81 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
81 d early
2024
28 d early
2023
97 d early
2022
98 d early
2021
115 d early
2020
95 d early
2019
108 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, unclassified schema
Equity
€146.20M▼ 33.5%
2024 · €219.92M
2018: €215.63M
2019: €218.49M
2020: €221.02M
2021: €223.07M
2022: €225.92M
2023: €225.91M
2024: €219.92M
2018 → 2025
Net result
€151.78M▲ 924%
2024 · €14.82M
2018: €6.43M
2019: €7.10M
2020: €7.77M
2021: €7.67M
2022: €9.26M
2023: €9.98M
2024: €14.82M
2018 → 2025
Total assets
€146.29M▼ 37.5%
2024 · €234.06M
2018: €230.03M
2019: €230.59M
2020: €229.68M
2021: €233.65M
2022: €235.33M
2023: €235.94M
2024: €234.06M
2018 → 2025
Solvency
99.9%▲ 6.0pp
2024 · 94.0%
2018: 93.7%
2019: 94.7%
2020: 96.2%
2021: 95.5%
2022: 96.0%
2023: 95.7%
2024: 94.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€223.07M-€225.92M▲ 1.3%€225.91M=€219.92M▼ 2.6%€146.20M▼ 33.5%
Operating result€-397k-€-356k▲ 10.4%€-332k▲ 6.8%€-430k▼ 29.3%€-583k▼ 35.7%
Net result€7.67M-€9.26M▲ 20.8%€9.98M▲ 7.8%€14.82M▲ 48.4%€151.78M▲ 924%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €583k in 2025 against €430k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €146.29M
Fixed assets
€139.97M▼ 38.5%
Current assets
€6.33M▼ 4.3%
Equity and liabilities €146.29M
Equity
€146.20M▼ 33.5%
Debt
€90k▼ 99.4%
The debt ratio falls from 6.0% to 0.1%: debt falls faster than equity shrinks.
Key figures and ratios
Solvency
99.9%▲
2024 · 94.0%
ROE
103.8%▲
2024 · 6.7%
ROA
103.8%▲
2024 · 6.3%
Debt
€90k▼
2024 · €14.14M
Debt ≤ 1 year
€90k▼
2024 · €14.14M
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€234.06M€146.29M▼
Fixed assets21/28€227.46M€139.97M▼
Financial fixed assets28€227.46M€139.97M▼
Companies linked by participating interests282/3€188.00M€105.02M▼
Participating interests282€188.00M€105.02M▼
Other financial fixed assets284/8€39.45M€34.95M▼
Shares284€39.45M€34.95M▼
Current assets29/58€6.61M€6.33M▼
Amounts receivable within one year40/41€388k€489k▲
Other amounts receivable41€388k€489k▲
Current investments50/53-€1.92M
Other investments51/53-€1.92M
Cash at bank and in hand54/58€6.22M€3.91M▼
Deferred charges and accrued income490/1€39-
Equity and liabilities
Total equity and liabilities10/49€234.06M€146.29M▼
Equity10/15€219.92M€146.20M▼
Contributions10/11€169.62M€146.98M▼
Reserves13€3.36M-
Distributable reserves133€3.36M-
Profit (loss) carried forward14€46.95M€-779k▼
Amounts payable17/49€14.14M€90k▼
Amounts payable within one year42/48€14.14M€90k▼
Trade debts44€73k€72k▼
Suppliers440/4€73k€72k▼
Taxes, remuneration and social security45€25k€18k▼
Taxes450/3€25k€15k▼
Remuneration and social security454/9-€4k
Other amounts payable47/48€14.04M-
Accrued charges and deferred income492/3€3k-
Income statement
Code20242025
Operating charges60/66A€430k€583k▲
Services and other goods61€420k€579k▲
Other operating charges640/8€10k€4k▼
Operating profit (loss)9901€-430k€-583k▼
Financial income75/76B€16.31M€155.56M▲
Recurring financial income75€11.65M€12.78M▲
Income from financial fixed assets750€11.42M€12.54M▲
Income from current assets751€225k€238k▲
Other financial income752/9-€2
Non-recurring financial income76B€4.66M€142.78M▲
Financial charges65/66B€1.06M€3.20M▲
Recurring financial charges65€83k€18k▼
Debt charges650€26k€53k▲
Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651-€-43k
Other financial charges652/9€57k€8k▼
Non-recurring financial charges66B€977k€3.18M▲
Profit (loss) for the period before taxes9903€14.82M€151.78M▲
Profit (loss) for the period9904€14.82M€151.78M▲
Profit (loss) for the period to be appropriated9905€14.82M€151.78M▲
Appropriation of the result
Profit (loss) to be appropriated9906€67.75M€198.73M▲
Profit (loss) brought forward from the previous period14P€52.93M€46.95M▼
Transfer from equity791/2-€3.36M
From reserves792-€3.36M
Profit to be distributed694/7€20.80M€202.87M▲
Return on contributions (dividend)694€20.80M€202.87M▲
The notes to these accounts (40 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
11-05
NBB filing
Annual accounts filed
fiscal year 2025 · unclassified schema
2025
31-12
Financial
Highest result since 2018net €151.78M ▲924%
Net result €151.78M, the highest in the series.
31-12
Financial
Liquidity times 150current ratio 70.00
Current ratio from 0.47 to 70.00; short-term debt falls from €14.14M to €90k.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2024
25-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
24-04
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
07-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
27-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
14-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
11-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
17-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
27-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Brussel · 1 establishment unit since 1995
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.
Louizalaan 2401050 BrusselGround area
9.2 ha
Building footprint
2,093 m²
Volume, LiDAR
33,759 m³
2 parcels, Brussels, Wallonia · tallest building 31.4 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Rue Gaston Bary 89, 1310 La Hulpe
since 19952.073.641.452
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25050E0033/00V002 | Wallonia | 9.1 ha | 1 · 609 m² | 15.2 m · 4 fl. |
| 21807G0121/00A008 | Brussels | 975 m² | 1 · 1,484 m² | 31.4 m · 6 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.
Recognitions · licences · registrations
Legal Entity Identifier
9676002AC6TUXETJQH20
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 1,420 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-09-1995
Fiscal year end31-12
Activities, NACEBEL
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.