GJ-SAN-CV
ActiveGJ-SAN-CV has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €269k and a net result of €27k. Equity is growing by ~18.9% per year across the filed fiscal years. Its solvency ranks better than 65% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+12
Solvency86▼-14
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 2.5 against 8.19 in 2024; short-term debt: 39.4% and cash: 18.9% of total assets), and 39.4% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
60.6%
Return on assets
6.2%
Age of the figures
9 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 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 filingsDeviation from the deadline
2025
27 d late
2024
28 d late
2023
16 d late
2022
3 d early
2021
3 d early
2020
25 d late
2019
14 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€269k▼ 29.3%
2024 · €380k
2018: €135k
2019: €144k
2020: €184k
2021: €230k
2022: €270k
2023: €380k
2024: €380k
2018 → 2025
Total assets
€443k▲ 2.7%
2024 · €432k
2018: €192k
2019: €201k
2020: €265k
2021: €323k
2022: €341k
2023: €478k
2024: €432k
2018 → 2025
Net result
€27k
2024 · €-293
2018: €45k
2019: €32k
2020: €63k
2021: €68k
2022: €68k
2023: €110k
2024: €-293
2018 → 2025
Working capital
€261k▼ 29.5%
2024 · €371k
2018: €83k
2019: €100k
2020: €144k
2021: €202k
2022: €258k
2023: €367k
2024: €371k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€230k-€270k▲ 17.7%€380k▲ 40.8%€380k▼ 0.1%€269k▼ 29.3%
Operating result€93k-€96k▲ 3.7%€163k▲ 69.3%€2k▼ 98.7%€40k▲ 1,839%
Net result€68k-€68k▼ 0.6%€110k▲ 62.3%€-293€27k
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 1,839% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €443k
Fixed assets
€8k▼ 19.5%
Current assets
€436k▲ 3.1%
Equity and liabilities €443k
Equity
€269k▼ 29.3%
Debt
€174k▲ 238%
The debt ratio rises from 11.9% to 39.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€44k▲
2024 · €9k
Cash flow
€31k▲
2024 · €7k
Solvency
60.6%▼
2024 · 88.1%
Current ratio
2.50▼
2024 · 8.19
Quick ratio
2.50▼
2024 · 8.19
Debt / equity
0.65▲
2024 · 0.14
ROE
10.2%▲
2024 · -0.1%
ROA
6.2%▲
2024 · -0.1%
Interest coverage
49.15▲
2024 · 5.43
Debt
€174k▲
2024 · €52k
Debt ≤ 1 year
€174k▲
2024 · €52k
Income taxes
€14k▲
2024 · €3k
Staff costs
€49k▲
2024 · €48k
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€432k€443k▲
Fixed assets21/28€9k€8k▼
Tangible fixed assets22/27€9k€8k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€2k€2k▼
Other tangible fixed assets26€4k€3k▼
Current assets29/58€422k€436k▲
Amounts receivable after more than one year29€47k€47k=
Other amounts receivable291€47k€47k=
Amounts receivable within one year40/41€317k€304k▼
Trade receivables40€72k€41k▼
Other amounts receivable41€245k€263k▲
Cash at bank and in hand54/58€58k€84k▲
Deferred charges and accrued income490/1€813€1k▲
Equity and liabilities
Total equity and liabilities10/49€432k€443k▲
Equity10/15€380k€269k▼
Contributions10/11€6k€6k=
Reserves13€374k€263k▼
Tax-exempt reserves132€268€268=
Distributable reserves133€374k€262k▼
Amounts payable17/49€52k€174k▲
Amounts payable within one year42/48€52k€174k▲
Financial debts43€8k-
Credit institutions430/8€8k-
Trade debts44€38k€32k▼
Suppliers440/4€38k€32k▼
Taxes, remuneration and social security45€5k€11k▲
Taxes450/3-€7k
Remuneration and social security454/9€5k€4k▼
Other amounts payable47/48-€132k
Income statement
Code20242025
Remuneration, social security and pensions62€48k€49k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€4k▼
Other operating charges640/8€1k€8k▲
Gross operating margin9900€58k€102k▲
Operating profit (loss)9901€2k€40k▲
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€2k€887▼
Recurring financial charges65€2k€887▼
Profit (loss) for the period before taxes9903€2k€41k▲
Income taxes67/77€3k€14k▲
Profit (loss) for the period9904€-293€27k▲
Profit (loss) for the period to be appropriated9905€-293€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-293€27k▲
Transfer from equity791/2€293€139k▲
Transfer to equity691/2-€27k
To other reserves6921-€27k
Profit to be distributed694/7-€139k
Return on contributions (dividend)694-€139k
The notes to these accounts (8 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €-293 ▼100%
Net result drops to €-293, the lowest in the series; recovery starts the following year.
16-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 16 days late
2023
31-12
Financial
Highest result since 2018net €110k ▲62.3%
Operating result €163k, net result €110k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €230k ▲24.9%
4 profitable years in a row build equity to €230k.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Equity above €150kEq €184k ▲27.9%
3 profitable years in a row build equity to €184k.
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
06-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 6 days late
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Beerse · 2 establishment units since 2000
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.
Gorenstraat 262340 BeerseGround area
3.2 ha
Building footprint
2,121 m²
Volume, LiDAR
11,853 m³
2 parcels, Flanders · tallest building 18.0 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
Gorenstraat 26, 2340 Beerse
since 20002.097.473.065
Industrieweg 10, 2330 Merksplas
since 20232.347.023.678
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13023G0169/00V005 | Flanders | 3.2 ha | 1 · 1,978 m² | 18.0 m · 1 fl. |
| 13004B0417/00P003 | Flanders | 329 m² | 1 · 143 m² | 6.3 m · 1 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.
Similar companies · same sector, comparable size
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BE 0439.196.994
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DACO
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JPAL
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Liège · Eq €268k
FRANK SERNEELS
BE 0480.079.229
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CHARLES GOUSSEAU SANITAIR EN VERWARMING
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Denderleeuw · Eq €268k
Of 7,042 companies in sector 43221 we hold annual accounts for 3,469. 2,751 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-05-2000
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
45332
Sources
Crossroads Bank for EnterprisesNational Bank · 26 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.