Skip to content

FJK

Active
Private limited companyfounded 200125 yrs activeKapellaan 33, 8301 Knokke-Heist, BelgiumKBO/BCE: BE 0475.310.193
Summary

FJK has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €73,127 and a net result of €26,336. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 12788 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability18▼-15
Solvency43▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 3.05 against 1.87 in 2024; short-term debt: 7% and cash: 0.6% of total assets), but 81.7% of the assets are financed with debt.
Credit check for your own amount and term

Open the credit simulator : see how the verdict changes with amount, term and advance.

Signals

Five 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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 25 years 0 30 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
18.3%
Return on assets
6.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 12788 sector peers (2025).
NBB · sector comparison
Position among 12788 sector peers
Solvency
better than 19%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 filings
Deviation from the deadline
2025
27 d late
2024
31 d late
2023
30 d late
2022
31 d late
2021
31 d late
2020
286 d late
2019
651 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 155 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)
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 months
Position in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

FJK was incorporated on 30 July 2001.1 Total assets fell from EUR 451,973 in 2018 to EUR 400,385 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

Go further with this company

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Turnover
€24,975
EBIT margin
-79.4%
Net result
€26,336
2024 · -€21,348
Working capital
€57,367▲ 139%
2024 · €23,990
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Turnover€24,975
Operating result€42,245▼ 30.8%€25,113▼ 40.6%€112,985▲ 350%-€1,824-€19,838▼ 988%
Net result€11,406▼ 79.1%-€259,428€71,125-€21,348€26,336
EBIT margin-79.4%
Equity€321,444▲ 3.7%€62,015▼ 80.7%€93,140▲ 50.2%€71,792▼ 22.9%€73,127▲ 1.9%
Total assets€551,306▼ 16.0%€420,697▼ 23.7%€474,623▲ 12.8%€381,981▼ 19.5%€400,385▲ 4.8%
Debt€229,862▼ 33.6%€358,682▲ 56.0%€381,483▲ 6.4%€310,189▼ 18.7%€327,258▲ 5.5%
Working capital€103,386▼ 16.3%€18,669▼ 81.9%€55,809▲ 199%€23,990▼ 57.0%€57,367▲ 139%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€300,000-€200,000-€100,000€0€100,000Operating result 2021: €42,245€42,245Net result 2021: €11,406€11,406Operating result 2022: €25,113€25,113Net result 2022: -€259,428-€259,428Operating result 2023: €112,985€112,985Net result 2023: €71,125€71,125Operating result 2024: -€1,824-€1,824Net result 2024: -€21,348-€21,348Operating result 2025: -€19,838-€19,838Net result 2025: €26,336€26,33620212022202320242025-€50,000€0€50,000€100,000Operating result 2023: €112,985€113,000Net result 2023: €71,125€71,100Operating result 2024: -€1,824-€1,820Net result 2024: -€21,348-€21,300Operating result 2025: -€19,838-€19,800Net result 2025: €26,336€26,300202320242025
The operating result stays negative: a loss of €19,838 in 2025 against €1,824 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €400,385
Fixed assets €315,000 ▼ 4.7%
Current assets €85,385 ▲ 65.8%
Equity and liabilities €400,385
Equity €73,127 ▲ 1.9%
Debt €327,258 ▲ 5.5%
Debt's share of the balance-sheet total rises from 81.2% to 81.7%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
-€4,347▼
2024 · €19,889
Cash flow
€41,826▲
2024 · €364
Current ratio
3.05▲
2024 · 1.87
Debt to equity
4.48▲
2024 · 4.32
ROE
36.0%▲
2024 · -29.7%
ROA
6.6%▲
2024 · -5.6%
Interest coverage
-0.78▼
2024 · 2.56
Debt ≤ 1 year
€28,018▲
2024 · €27,501
Debt > 1 year
€299,240▲
2024 · €282,688
Income taxes
€8,234▼
2024 · €11,748
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet Code20242025
Assets
Total assets20/58€381,981€400,385▲
Fixed assets21/28€330,490€315,000▼
Tangible fixed assets22/27€15,490€0▼
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€15,490€0▼
Financial fixed assets28€315,000€315,000=
Current assets29/58€51,491€85,385▲
Amounts receivable within one year40/41€51,491€82,874▲
Trade receivables40€49,505€19,156▼
Other amounts receivable41€1,987€63,719▲
Cash at bank and in hand54/58-€2,511
Equity and liabilities
Total equity and liabilities10/49€381,981€400,385▲
Equity10/15€71,792€73,127▲
Contributions10/11€18,600€18,600=
Capital10€18,600-
Issued capital100€18,600-
Reserves13€32,860€32,860=
Non-distributable reserves130/1€1,860-
Legal reserve130€1,860-
Distributable reserves133€31,000€32,860▲
Profit (loss) carried forward14€20,332€21,667▲
Amounts payable17/49€310,189€327,258▲
Amounts payable after more than one year17€282,688€299,240▲
Financial debts170/4€282,688€299,240▲
Amounts payable within one year42/48€27,501€28,018▲
Financial debts43€170-
Credit institutions430/8€170-
Trade debts44€2,522€1,374▼
Suppliers440/4€2,522€1,374▼
Taxes, remuneration and social security45€24,810€1,645▼
Taxes450/3€24,810€1,645▼
Other amounts payable47/48-€25,000
Income statement Code20242025
Turnover70-€24,975
Goods, raw materials, services and sundry goods60/61-€27,382
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21,712€15,490▼
Other operating charges640/8€1,964€1,940▼
Gross operating margin9900€21,853-€2,407▼
Operating profit (loss)9901-€1,824-€19,838▼
Financial income75/76B-€60,000
Recurring financial income75-€60,000
Financial charges65/66B€7,776€5,593▼
Recurring financial charges65€7,776€5,593▼
Profit (loss) for the period before taxes9903-€9,600€34,570▲
Income taxes67/77€11,748€8,234▼
Profit (loss) for the period9904-€21,348€26,336▲
Profit (loss) for the period to be appropriated9905-€21,348€26,336▲
Appropriation of the result
Profit (loss) to be appropriated9906€20,332€46,667▲
Profit (loss) brought forward from the previous period14P€41,680€20,332▼
Profit to be distributed694/7-€25,000
Directors or managers695-€25,000

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Turnover70----€24,975-
Goods, raw materials, services and sundry goods60/61----€27,382-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22,060€21,944€21,944€21,712€15,490▼ 28.7%
Other operating charges640/8€1,252€316€996€1,964€1,940▼ 1.2%
Gross operating margin9900€65,556€47,373€135,925€21,853-€2,407▼ 111%
Operating profit (loss)9901€42,245€25,113€112,985-€1,824-€19,838▼ 988%
Financial income75/76B----€60,000-
Recurring financial income75----€60,000-
Financial charges65/66B€439€161,501€14,419€7,776€5,593▼ 28.1%
Recurring financial charges65€439€922€14,419€7,776€5,593▼ 28.1%
Non-recurring financial charges66B-€160,579----
Profit (loss) for the period before taxes9903€41,806-€136,388€98,567-€9,600€34,570▲ 460%
Income taxes67/77€30,400€123,040€27,442€11,748€8,234▼ 29.9%
Profit (loss) for the period9904€11,406-€259,428€71,125-€21,348€26,336▲ 223%
Profit (loss) for the period to be appropriated9905€11,406-€259,428€71,125-€21,348€26,336▲ 223%
Line20212022202320242025Change
Assets
Total assets20/58€551,306€420,697€474,623€381,981€400,385▲ 4.8%
Fixed assets21/28€396,090€374,147€352,203€330,490€315,000▼ 4.7%
Tangible fixed assets22/27€81,090€59,147€37,203€15,490€0▼ 100%
Plant, machinery and equipment23€1,268€768€268€0€0-
Furniture and vehicles24€79,822€58,378€36,934€15,490€0▼ 100%
Financial fixed assets28€315,000€315,000€315,000€315,000€315,000=
Current assets29/58€155,215€46,551€122,420€51,491€85,385▲ 65.8%
Amounts receivable within one year40/41€155,210€35,236€96,092€51,491€82,874▲ 60.9%
Trade receivables40€129,974-€96,000€49,505€19,156▼ 61.3%
Other amounts receivable41€25,236€35,236€92€1,987€63,719▲ 3,108%
Cash at bank and in hand54/58€6€11,315€26,329-€2,511-
Equity and liabilities
Total equity and liabilities10/49€551,306€420,697€474,623€381,981€400,385▲ 4.8%
Equity10/15€321,444€62,015€93,140€71,792€73,127▲ 1.9%
Contributions10/11€18,600€18,600€18,600€18,600€18,600=
Capital10---€18,600--
Issued capital100---€18,600--
Reserves13€1,860€1,860€32,860€32,860€32,860=
Non-distributable reserves130/1€1,860€1,860€1,860€1,860--
Legal reserve130---€1,860--
Reserves not available under the articles1311€1,860€1,860€1,860---
Distributable reserves133--€31,000€31,000€32,860▲ 6.0%
Profit (loss) carried forward14€300,984€41,555€41,680€20,332€21,667▲ 6.6%
Amounts payable17/49€229,862€358,682€381,483€310,189€327,258▲ 5.5%
Amounts payable after more than one year17€178,033€330,800€314,871€282,688€299,240▲ 5.9%
Financial debts170/4€178,033€330,800€314,871€282,688€299,240▲ 5.9%
Amounts payable within one year42/48€51,829€27,882€66,611€27,501€28,018▲ 1.9%
Financial debts43€14,446--€170--
Credit institutions430/8---€170--
Other loans439€14,446-----
Trade debts44€2,929€15,708€27,891€2,522€1,374▼ 45.5%
Suppliers440/4€2,929€15,708€27,891€2,522€1,374▼ 45.5%
Taxes, remuneration and social security45€34,454€10,516€38,720€24,810€1,645▼ 93.4%
Taxes450/3€34,454€10,516€32,720€24,810€1,645▼ 93.4%
Remuneration and social security454/9--€6,000---
Other amounts payable47/48-€1,658--€25,000-
Line20212022202320242025Change
Profit (loss) for the period9904€11,406-€259,428€71,125-€21,348€26,336▲ 223%
+ Depreciation and write-downs630€22,060€21,944€21,944€21,712€15,490▼ 28.7%
Operating cash flow (approximation)€33,465-€237,484€93,069€364€41,826▲ 11,386%
Investment in fixed assets (approximation)-€0€0€0€0-
Change in cash-€11,309€15,014---

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
27-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial Back to profitnet €26,336
Net result €26,336 after one loss-making year.
31-08
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
30-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial Back to profitnet €71,125
Net result €71,125 after one loss-making year.
31-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial Weakest financial yearnet -€259,428
Net result drops to -€259,428, the lowest in the series; recovery starts the following year.
31-08
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
13-05
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 286 days late
13-05
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 651 days late
2019
31-12
Financial Highest result since 2018net €151,563 ▲29.1%
Operating result €178,792, net result €151,563, both a record.
31-12
Financial Equity above €200,000Eq €255,429 ▲67.4%
2 profitable years in a row build equity to €255,429.
Show earlier events
24-11
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 116 days late
23-11
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 480 days late
23-11
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema · 1026 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Knokke-Heist · 1 establishment unit since 2001
seat establishment The establishment unit on the map
Ground area
963 m²
Building footprint
160 m²
Volume, LiDAR
988 m³
Parcel 31338E0392/00B000, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
FJK
Kapellaan 33, 8301 Knokke-HeistFinancial service activities, except insurance and pension funding
since 20012.116.576.919
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
31338E0392/00B000 Flanders 963 m² 1 · 160 m² 10.3 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Structure & network

Owners and holdings

1 holding

Owners 0

The accounts to 31-12-2023 list no shareholders, and no other source names one.

Holdings 1

According to the 2023 annual accounts of FJK and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector, comparable size

Of 2,264 companies in sector 69209 we hold annual accounts for 1,098. 828 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded30-07-2001
Fiscal year end31-12
Activities, NACEBEL 2025
69209Other tax advisory services
70200Business and other management consultancy
73300Public relations and communication consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:0475310193
Also 9925:BE0475310193
Registered 12-08-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.