FOUR-J has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.46M and a net result of €227k. Equity is growing by ~38% per year across the filed fiscal years. Its solvency ranks better than 60% of 14056 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
on the day
2023
30 d late
2022
32 d late
2021
39 d early
2020
40 d early
2019
53 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.46M▲ 18.5%
2024 · €1.23M
2018: €171k
2019: €215k
2020: €334k
2021: €623k
2022: €745k
2023: €941k
2024: €1.23M
2018 → 2025
Total assets
€3.44M▲ 9.0%
2024 · €3.16M
2018: €876k
2019: €839k
2020: €2.00M
2021: €1.80M
2022: €1.83M
2023: €1.90M
2024: €3.16M
2018 → 2025
Net result
€227k▼ 21.0%
2024 · €288k
2018: €38k
2019: €44k
2020: €119k
2021: €349k
2022: €241k
2023: €196k
2024: €288k
2018 → 2025
Working capital
€-101k▲ 49.6%
2024 · €-201k
2018: €-111k
2019: €-161k
2020: €-420k
2021: €-220k
2022: €-292k
2023: €-252k
2024: €-201k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€623k-€745k▲ 19.5%€941k▲ 26.3%€1.23M▲ 30.6%€1.46M▲ 18.5%
Operating result€172k-€313k▲ 82.5%€276k▼ 11.9%€426k▲ 54.5%€354k▼ 16.8%
Net result€349k-€241k▼ 30.8%€196k▼ 18.9%€288k▲ 47.1%€227k▼ 21.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.44M
Fixed assets
€2.58M=
Current assets
€867k▲ 48.6%
Equity and liabilities €3.44M
Equity
€1.46M▲ 18.5%
Debt
€1.99M▲ 2.9%
The debt ratio falls from 61.1% to 57.7%. Equity and debt are higher.
Key figures and ratios
Solvency
42.3%▲
2024 · 38.9%
ROE
15.6%▼
2024 · 23.4%
ROA
6.6%▼
2024 · 9.1%
Debt
€1.99M▲
2024 · €1.93M
Debt ≤ 1 year
€969k▲
2024 · €785k
Debt > 1 year
€905k▼
2024 · €1.12M
Income taxes
€71k▼
2024 · €93k
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€3.16M€3.44M▲
Fixed assets21/28€2.58M€2.58M=
Tangible fixed assets22/27€101k€100k▼
Plant, machinery and equipment23€668€330▼
Other tangible fixed assets26€100k€100k=
Financial fixed assets28€2.48M€2.48M=
Current assets29/58€584k€867k▲
Amounts receivable within one year40/41€580k€866k▲
Trade receivables40€155k€246k▲
Other amounts receivable41€425k€619k▲
Cash at bank and in hand54/58€2k€0▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€3.16M€3.44M▲
Equity10/15€1.23M€1.46M▲
Contributions10/11€100k€100k=
Reserves13€1.13M€1.36M▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€1.13M€1.35M▲
Amounts payable17/49€1.93M€1.99M▲
Amounts payable after more than one year17€1.12M€905k▼
Financial debts170/4€1.12M€905k▼
Amounts payable within one year42/48€785k€969k▲
Current portion of amounts payable after more than one year42€217k€224k▲
Financial debts43€100k€192k▲
Credit institutions430/8€100k€192k▲
Trade debts44€34k€6k▼
Suppliers440/4€34k€6k▼
Taxes, remuneration and social security45€15k€45k▲
Taxes450/3€15k€28k▲
Remuneration and social security454/9-€17k
Other amounts payable47/48€419k€502k▲
Accrued charges and deferred income492/3€24k€114k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€373€339▼
Other operating charges640/8€10k€11k▲
Gross operating margin9900€437k€365k▼
Operating profit (loss)9901€426k€354k▼
Financial income75/76B€14k€24k▲
Recurring financial income75€14k€24k▲
Financial charges65/66B€59k€80k▲
Recurring financial charges65€59k€80k▲
Profit (loss) for the period before taxes9903€382k€299k▼
Income taxes67/77€93k€71k▼
Profit (loss) for the period9904€288k€227k▼
Profit (loss) for the period to be appropriated9905€288k€227k▼
Appropriation of the result
Profit (loss) to be appropriated9906€288k€227k▼
Transfer to equity691/2€288k€227k▼
To other reserves6921€288k€227k▼
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €1MEq €1.23M ▲30.6%
7 profitable years in a row build equity to €1.23M.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 32 days late
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €349k ▲193%
Net result €349k, the highest in the series.
31-12
Financial
Equity above €500kEq €623k ▲86.4%
4 profitable years in a row build equity to €623k.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 53 days late
2019
31-12
Financial
Equity above €200kEq €215k ▲25.9%
2 profitable years in a row build equity to €215k.
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro 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, Destelbergen · 1 establishment unit since 2016
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.
Bommelsrede(HEU) 409070 DestelbergenGround area
3,332 m²
Building footprint
296 m²
Volume, LiDAR
1,927 m³
Parcel 44028D0529/00P000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bommelsrede(HEU) 40, 9070 Destelbergen
since 20162.258.771.395
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44028D0529/00P000 | Flanders | 3,332 m² | 1 · 296 m² | 8.4 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 9,140 companies in sector 68201 we hold annual accounts for 6,769. 4,593 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-08-2016
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.