FJ INFO
ActiveFJ INFO has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €108k and a net result of €30k. Equity is growing by ~12% per year across the filed fiscal years. Its solvency ranks better than 36% of 7962 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+39
Solvency64▼-22
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.49 against 1.79 in 2024), and 65.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
34.1%
Return on assets
9.5%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
13 d late
2024
37 d early
2023
30 d late
2022
31 d late
2021
31 d late
2020
9 d late
2019
21 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€108k▼ 12.6%
2024 · €124k
2018: €53k
2019: €61k
2020: €79k
2021: €91k
2022: €107k
2023: €116k
2024: €124k
2018 → 2025
Total assets
€318k▲ 17.8%
2024 · €270k
2018: €118k
2019: €163k
2020: €170k
2021: €190k
2022: €218k
2023: €262k
2024: €270k
2018 → 2025
Net result
€30k▲ 99.2%
2024 · €15k
2018: €7k
2019: €8k
2020: €18k
2021: €12k
2022: €16k
2023: €16k
2024: €15k
2018 → 2025
Working capital
€93k▼ 19.5%
2024 · €115k
2018: €42k
2019: €33k
2020: €57k
2021: €72k
2022: €92k
2023: €106k
2024: €115k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€91k-€107k▲ 17.2%€116k▲ 8.8%€124k▲ 6.5%€108k▼ 12.6%
Operating result€16k-€23k▲ 41.0%€30k▲ 28.6%€20k▼ 32.5%€37k▲ 83.3%
Net result€12k-€16k▲ 30.3%€16k▲ 4.6%€15k▼ 7.7%€30k▲ 99.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 83% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €318k
Fixed assets
€35k▲ 305%
Current assets
€282k▲ 8.2%
Equity and liabilities €318k
Equity
€108k▼ 12.6%
Debt
€209k▲ 43.6%
The debt ratio rises from 54.1% to 65.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€42k▲
2024 · €25k
Cash flow
€35k▲
2024 · €21k
Solvency
34.1%▼
2024 · 45.9%
Current ratio
1.49▼
2024 · 1.79
Quick ratio
1.28▼
2024 · 1.51
Debt / equity
1.93▲
2024 · 1.18
ROE
27.8%▲
2024 · 12.2%
ROA
9.5%▲
2024 · 5.6%
Interest coverage
18.61▲
2024 · 14.11
Debt
€209k▲
2024 · €146k
Debt ≤ 1 year
€190k▲
2024 · €146k
Debt > 1 year
€20k▲
2024 · €0
Income taxes
€4k▲
2024 · €3k
Staff costs
€229k▲
2024 · €190k
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€270k€318k▲
Fixed assets21/28€9k€35k▲
Tangible fixed assets22/27€9k€35k▲
Plant, machinery and equipment23€0-
Furniture and vehicles24€9k€4k▼
Leasing and similar rights25-€31k
Financial fixed assets28€180€180=
Current assets29/58€261k€282k▲
Stocks and contracts in progress3€41k€40k▼
Stocks30/36€41k€40k▼
Amounts receivable within one year40/41€124k€149k▲
Trade receivables40€85k€115k▲
Other amounts receivable41€39k€34k▼
Cash at bank and in hand54/58€96k€93k▼
Equity and liabilities
Total equity and liabilities10/49€270k€318k▲
Equity10/15€124k€108k▼
Contributions10/11€20k€20k=
Reserves13€79k€64k▼
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€77k€64k▼
Profit (loss) carried forward14€25k€25k=
Amounts payable17/49€146k€209k▲
Amounts payable after more than one year17€0€20k▲
Financial debts170/4€0€20k▲
Amounts payable within one year42/48€146k€190k▲
Current portion of amounts payable after more than one year42€4k€7k▲
Trade debts44€69k€75k▲
Suppliers440/4€69k€75k▲
Taxes, remuneration and social security45€65k€65k▼
Taxes450/3€28k€25k▼
Remuneration and social security454/9€37k€39k▲
Other amounts payable47/48€7k€43k▲
Income statement
Code20242025
Non-recurring operating income76A€56€0▼
Remuneration, social security and pensions62€190k€229k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Other operating charges640/8€592€590▼
Non-recurring operating charges66A-€640
Gross operating margin9900€216k€271k▲
Operating profit (loss)9901€20k€37k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€18k€35k▲
Income taxes67/77€3k€4k▲
Profit (loss) for the period9904€15k€30k▲
Profit (loss) for the period to be appropriated9905€15k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€40k€55k▲
Profit (loss) brought forward from the previous period14P€25k€25k=
Transfer from equity791/2€8k€46k▲
Transfer to equity691/2€15k€30k▲
To other reserves6921€15k€30k▲
Profit to be distributed694/7€8k€46k▲
Return on contributions (dividend)694€8k€46k▲
The notes to these accounts (15 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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
2025
31-12
Financial
Highest result since 2018net €30k ▲99.2%
Operating result €37k, net result €30k, both a record.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €100kEq €107k ▲17.2%
5 profitable years in a row build equity to €107k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 22 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Plombières · 1 establishment unit since 2007
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.
Bambusch(MTZ) 744850 PlombièresGround area
992 m²
Building footprint
149 m²
Volume, LiDAR
1,354 m³
2 parcels, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Selps Invest & Services
since 20072.164.948.839
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63054B0158/00S000 | Wallonia | 799 m² | 1 · 86 m² | 11.0 m · 3 fl. |
| 63032A0253/00D000 | Wallonia | 193 m² | 1 · 63 m² | 10.3 m · 3 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 29,885 companies in sector 62200 we hold annual accounts for 18,321. 15,494 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-08-2007
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
64200Holdings
64210Activities of holding companies
74151
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.
Contact details
1 entryPhone:087883587