FJW
ActiveFJW has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €621k and a net result of €12k. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 80% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
76
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability10▲+2
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 7.32 against 6.36 in 2024), and 17% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
83%
Return on assets
1.6%
Age of the figures
8 mo
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
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 26-07-2026, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
30 d early
2023
29 d late
2022
13 d early
2021
24 d early
2020
9 d late
2019
116 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€621k▲ 2.0%
2024 · €609k
2018: €310k
2019: €309k
2020: €277k
2021: €573k
2022: €589k
2023: €599k
2024: €609k
2018 → 2025
Total assets
€748k▼ 3.5%
2024 · €775k
2018: €439k
2019: €430k
2020: €390k
2021: €813k
2022: €858k
2023: €804k
2024: €775k
2018 → 2025
Net result
€12k▲ 19.5%
2024 · €10k
2018: €32k
2019: €-881
2020: €-32k
2021: €475k
2022: €92k
2023: €9k
2024: €10k
2018 → 2025
Working capital
€433k▲ 4.3%
2024 · €415k
2018: €139k
2020: €112k
2021: €398k
2022: €385k
2023: €400k
2024: €415k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€573k-€589k▲ 2.9%€599k▲ 1.6%€609k▲ 1.7%€621k▲ 2.0%
Operating result€106k-€97k▼ 8.1%€-9k€-25k▼ 190%€-24k▲ 4.0%
Net result€475k-€92k▼ 80.7%€9k▼ 89.7%€10k▲ 7.2%€12k▲ 19.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €24k in 2025 against €25k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €748k
Fixed assets
€246k▼ 12.9%
Current assets
€502k▲ 1.8%
Equity and liabilities €748k
Equity
€621k▲ 2.0%
Debt
€127k▼ 23.7%
The debt ratio falls from 21.5% to 17.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€-10k▲
2024 · €-10k
Cash flow
€27k▲
2024 · €26k
Solvency
83.0%▲
2024 · 78.5%
Current ratio
7.32▲
2024 · 6.36
Quick ratio
7.32▲
2024 · 6.36
Debt / equity
0.20▼
2024 · 0.27
ROE
1.9%▲
2024 · 1.7%
ROA
1.6%▲
2024 · 1.3%
Interest coverage
-2.71▲
2024 · -3.72
Debt
€127k▼
2024 · €167k
Debt ≤ 1 year
€69k▼
2024 · €77k
Debt > 1 year
€59k▼
2024 · €68k
Income taxes
€194▼
2024 · €5k
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€775k€748k▼
Fixed assets21/28€283k€246k▼
Tangible fixed assets22/27€16k€1k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€14k€100▼
Financial fixed assets28€267k€245k▼
Current assets29/58€492k€502k▲
Amounts receivable after more than one year29€254k€411k▲
Trade receivables290€238k€411k▲
Other amounts receivable291€16k-
Amounts receivable within one year40/41€1k€204▼
Other amounts receivable41€1k€204▼
Current investments50/53€107k€71k▼
Cash at bank and in hand54/58€130k€19k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€775k€748k▼
Equity10/15€609k€621k▲
Contributions10/11€14k€14k=
Reserves13€595k€607k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€593k€605k▲
Amounts payable17/49€167k€127k▼
Amounts payable after more than one year17€68k€59k▼
Financial debts170/4€68k€59k▼
Amounts payable within one year42/48€77k€69k▼
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€1k€7k▲
Suppliers440/4€1k€7k▲
Taxes, remuneration and social security45€5k€230▼
Taxes450/3€5k€230▼
Other amounts payable47/48€62k€52k▼
Accrued charges and deferred income492/3€21k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€-8k€-8k▲
Operating profit (loss)9901€-25k€-24k▲
Financial income75/76B€43k€40k▼
Recurring financial income75€43k€40k▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€15k€12k▼
Income taxes67/77€5k€194▼
Profit (loss) for the period9904€10k€12k▲
Profit (loss) for the period to be appropriated9905€10k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€12k▲
Transfer to equity691/2€10k€12k▲
To other reserves6921€10k€12k▲
The notes to these accounts (7 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
26-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €475k
Net result €475k after 2 loss-making years.
31-12
Financial
Equity above €500kEq €573k ▲107%
Equity rises from €277k to €573k.
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
31-12
Financial
Weakest financial yearnet €-32k
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
24-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 116 days late
2019
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 56 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Schoten · 1 establishment unit since 2012
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.
Frans Reinemundlei 82900 SchotenGround area
2,101 m²
Building footprint
300 m²
Volume, LiDAR
1,539 m³
Parcel 11040D0160/03R004, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Frans Reinemundlei 8, 2900 Schoten
since 20122.209.814.705
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11040D0160/03R004 | Flanders | 2,101 m² | 1 · 300 m² | 8.1 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.
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,393. 32,665 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-05-2012
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.